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Summary

Let’s recap on your choice of an Amplify Qantas Signature card – before you start your application.

The important numbers

Annual card fee $295   
Annual Qantas Rewards Program fee $155
Variable purchase rate 23.98% p.a. 
Variable cash advance rate 23.99% p.a. 
Minimum credit limit $15,000

New cards only.

Earn up to 150,000 bonus Qantas Points

90,000 Qantas Points in year 1 if you spend $6k+ on eligible purchases† within 90 days of new card approval and an extra 60,000 points with $6k+ spend on eligible purchases† within 90 days of card anniversary in year 2>.

Offer not available if you've held a Bank of Melbourne, St.George or BankSA rewards card in the last 24 months. New cards only. T&Cs Apply.

 

What you'll get

  • 1.5 Qantas Points per $1 on international spend
  • 0.8 Qantas Points per $1 on everyday spend
  • 0.4 Qantas Points per $1 spend on all other purchases ^^
  • Once you spend $10,000 in a statement cycle, you will earn 0.25 Qantas Points per $1 on further eligible purchases †

  • Complimentary travel and purchase insurances⁴

  • 2 complimentary Qantas Club Lounge passes⁷, if you select Qantas Rewards

  • Concierge Services⁸

  • Up to 45 days interest-free on purchases¹


     

Considerations

  • A higher interest rate on purchases than our Vertigo card

  • Our highest annual card fee

  • Our Amplify Qantas cards have a higher Rewards Program Fee than our Amplify Rewards cards

See if you’re likely to be approved

Answer these questions to see if your application is more or less likely to be approved.

Have you received a regular income in the last 3 months?

Do you have at least $100 remaining each month after covering your expenses?

Have you paid all your bills and loans on time in the last 12 months?

Without a steady and reliable income, we’re unlikely to approve your application. Consider applying when your circumstances change.

As part of your application, Bank of Melbourne makes enquiries with credit reporting bodies. The enquiry will go on your credit file and could affect future credit applications with other institutions. While these questions will give you an indication of approval, credit card applications are still subject to a full assessment against Bank of Melbourne’s credit criteria.

 

If you can’t cover your expenses with a little to spare, we’re unlikely to approve your application. Consider applying when your circumstances change.

As part of your application, Bank of Melbourne makes enquiries with credit reporting bodies. The enquiry will go on your credit file and could affect future credit applications with other institutions. While these questions will give you an indication of approval, credit card applications are still subject to a full assessment against Bank of Melbourne’s credit criteria.

 

If you've missed repayments in the last 12 months, we're less likely to approve your application. Consider applying when your circumstances change.

As part of your application, Bank of Melbourne makes enquiries with credit reporting bodies. The enquiry will go on your credit file and could affect future credit applications with other institutions. While these questions will give you an indication of approval, credit card applications are still subject to a full assessment against Bank of Melbourne’s credit criteria.

 

Based on your answers, we’re more likely to approve your application.

As part of your application, Bank of Melbourne makes enquiries with credit reporting bodies. The enquiry will go on your credit file and could affect future credit applications with other institutions. While these questions will give you an indication of approval, credit card applications are still subject to a full assessment against Bank of Melbourne’s credit criteria.

 

Before continuing

A final check that this is the right credit option for you. Credit cards are a secure payment method for short-term borrowing needs such as everyday purchases or unplanned expenses, with some cards offering additional features like rewards. However, there are instances where it might be worth considering another form of credit:

  • You have a longer-term or specific borrowing need, like a car or home renovations. In this case, view our Personal loans
  • You want a repayment schedule with fixed repayments and a defined loan end-date. In this case, view our Personal loans
The Detail

Key Facts Sheet

Credit Card Terms and Conditions (PDF 268KB)

Amplify Terms and Conditions (PDF 181KB)

Credit Card Accounts Fees and Charges (PDF 151KB)

Credit Card Complimentary Insurance Terms and Conditions (PDF 339KB)

Conditions, fees and credit criteria apply. Standard rates and fees applicable for new cards. May not apply for existing credit card accounts. This card is issued as a Visa card. Before making a decision read the Terms and Conditions and consider if the product is right for you.

Switches, upgrades, or Westpac Group staff are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

>Amplify Qantas Signature Bonus Qantas Points Offer: Offer commenced 1st May 2026. To be eligible for bonus Qantas Points, you must apply and be approved for a new Amplify Qantas Signature credit card before the offer is withdrawn. You will receive an initial 90,000 bonus points if you spend $6k or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active. In your second year, spend a minimum of $6k on eligible purchases within 90 days of your card opened date anniversary, and you'll earn an additional 60,000 bonus points. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. Eligible purchases do not include interest, fees and charges, cash, or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Existing customers who currently hold an Amplify, Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, or who have held one in the last 24 months, or Credit Card Product Switches, upgrades or Westpac group staff are not eligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

Amplify Qantas: To earn and redeem points, you must be a member of the applicable rewards program. Annual Rewards Program fees apply and vary by rewards program. See the applicable card product page for details.

† Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

^^If you choose to make any payment in any category using an intermediary service (such as Afterpay, PayPal or similar services), these transactions will be categorised as 'all other purchases'. We classify transactions using information provided to us by the card scheme (Visa or Mastercard), which tells us about the main type of business conducted by the Merchant. 

1 Interest free period: is available when you pay the Closing Balance (or the Monthly Payment Balance if you have a Balance Transfer or Plan&Pay) in full by the payment due date.

The earning and redeeming of Qantas Points is subject to the Amplify Terms and Conditions (PDF 181KB). You must be a member of the Qantas Frequent Flyer program to earn and redeem points. Purchases that are not eligible to earn points include interest, fees and charges, cash, or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Qantas Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis.

4 Complimentary Insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Bank of Melbourne cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the Complimentary Insurance Policy Information booklet (PDF 339KB) which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.

7 Qantas Club Complimentary Lounge Invitations: As a Bank of Melbourne Amplify Qantas Signature cardholder earning Qantas Points, you are eligible for two Qantas Club Complimentary Invitations within each 12-month period of your card opening date, provided you meet the eligibility criteria: you must first register your Bank of Melbourne Amplify Qantas Signature credit card via loungepass.bankofmelbourne.com.au and use your card in Australia to purchase selected Qantas products and services within the current 12-month period. Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number), Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas.

Qantas Club Complimentary Invitations will be made available within 14 business days of meeting eligible spend via the Complimentary Lounge Invitations Portal, provided you are not in breach of the Credit Card Terms and Conditions (PDF 268KB) and your account remains open. Log in to the portal using your Qantas Frequent Flyer account to access your invitation, link it with an eligible Qantas flight booking, or to find out more information. To receive your Complimentary Invitations, you must have provided Bank of Melbourne with your Qantas Frequent Flyer Number. If you have not yet registered for your complimentary Qantas Frequent Flyer Membership, you may join at qantaspoints.com/ffjoinbom.

Qantas Club Complimentary Invitations are provided courtesy of Bank of Melbourne, and are valid for Qantas Club and Qantas operated International Business Lounges only (excluding Los Angeles Tom Bradley Airport lounge). Each Complimentary Lounge Invitation is valid for a single visit by one guest to a Qantas Club domestic lounge, Qantas International or Qantas International Business Lounge, and must not be used prior to expiry.

Access and use are subject to the Complimentary Lounge Invitation Terms and Conditions and the Lounge Entry Terms and Conditions.

8 Concierge Services are provided by a third party supplier. For further details including terms and conditions visit www.bankofmelbourne.tenconcierge.com