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IMPORTANT NOTICE: From 4 July 2024, some of our credit card rates will increase, find out more.

Quick snapshot

Our highest Qantas Points earn rate, complimentary insurances, lounge passes and much more.

Bank of Melbourne Amplify Qantas Signature credit card
$295 Annual card fee
$75 Annual Qantas Rewards Program fee
0.75 Qantas Points Per dollar on eligible purchases, up to $250k p.a.1
19.49% p.a. Variable interest rate on purchases
Up to 55 days Interest free on purchases2
$15,000 Minimum credit limit

New cards only.

See below for standard rates and fees.

Amplify Qantas Signature offer


Bonus Qantas Points


When you spend $6k+ on eligible purchases in the first 90 days from new card approval>.

Already with Bank of Melbourne? Sign in and apply to get a $139 card fee for the first year (reverts to $295)~.

Offer not available if you’ve held a Bank of Melbourne, St.George or BankSA rewards card in the last 12 months. New cards only. T&Cs Apply.


Apply via the App
Logon and tap Products (at the bottom of the screen) > Credit cards > Amplify Qantas Signature card > Apply now

Apply via Internet Banking
Logon and select Products, Tools and Calculators > Credit cards > Amplify Qantas Signature card > Apply now

Qantas Frequent Flyer

Qantas Points lover? Then you’ll love our Qantas rewards cards. Earn 0.75 Qantas Points for every dollar spent on eligible purchases, right up to $250k p.a.1 with those points going straight to your Qantas Frequent Flyer account. Build your points balance to use on flights and upgrades3, shopping4 and more. Use the points calculator to see where you could go with your bonus Qantas Points from our current offer. 


Where could your Qantas Points take you?

The Classic Syd-Mel*

Return economy seat Sydney – Melbourne 16k Qantas Points. Taxes, fees and carrier charges apply.

Byron Bay and back

Return economy seat Sydney – Byron (Ballina) 16k Qantas Points. Taxes, fees and carrier charges apply.

Hamilton – the island

Return economy seat Sydney – Hamilton Island 24k Qantas Points. Taxes, fees and carrier charges apply.

Why you’ll love the Amplify Qantas Signature card

Qantas Points

Earn 0.75 Qantas Points for every dollar spent on eligible purchases, up to $250k p.a.1.

2 Qantas lounge passes

Enjoy 2 complimentary Qantas lounge visits each year when you register your details at

Shop through ShopBack. Get Cashback

Link and pay with your eligible Bank of Melbourne credit card to get exclusive bonus Cashback when you shop on the new Bank of Melbourne Lounge on the ShopBack app.

Other reasons to choose

Exclusive to Amplify Signature cardholders, our Concierge Service allows you to explore and book experiences online, including hard-to-find tickets, last-minute reservations and more7. Find out more.

Key rates and fees

$295 annual card fee
19.49% p.a. variable interest rate on purchases
21.49% p.a. variable cash advance interest rate
$15 fee applied for each late payment or missed payment
$75 annual Qantas Rewards Program fee
3% of each cash advance amount
3% of the Australian dollar value for transactions with merchants based overseas


New cards only.

Fees and rates are subject to change. Read our credit card key facts sheet.

Before you apply

Follow this section to improve the likelihood your application is approved.

  • You’re aged 18 or over
  • You have permanent residency in Australia/NZ OR;
  • You’re a non-resident or migrant and hold an acceptable Visa, with a minimum 1 year before expiry
  • You have a regular, verifiable Australian taxable income
  • You have a fixed, verifiable residential address in Australia.
The Detail
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: The respective bonus Qantas Points promotion is available when you apply and are approved for a new Amplify Qantas Signature credit card between 7th November 2023 and 31st July 2024, and spend the minimum amount of $6k on eligible purchases on an Amplify Qantas Signature credit card within 90 days from card approval in one or more transactions. 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 to the card account. Existing customers who currently hold an Amplify, Amplify Platinum or Amplify Signature card issued by Bank of Melbourne, St.George or BankSA, or who have held one in the last 12 months, or Credit Card Product Switches, upgrades or Westpac group staff are not eligible for this offer. The bonus Qantas Points will be credited to your Points balance within 12 weeks after the eligible spend criteria is met.

~Existing Customer Amplify Qantas Signature Discounted First Year Fee: The discounted first year card fee promotion is available for existing customers when you apply and are approved for a new Amplify Qantas Signature credit card between 7th November 2023 and 31st July 2024. The first year card fee at the special promotional rate will be debited to your card account on your Card Fee date and the full card fee will be debited annually thereafter.

Amplify Qantas: In order to earn and redeem points, you must be a member of Qantas Frequent Flyer program. An annual $75 Amplify Qantas Rewards Program fee applies for customers who choose Amplify Qantas.

1 The earning and redeeming of Qantas Points is subject to the Amplify Terms and Conditions (PDF 124KB). 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.

For Amplify Qantas Platinum cards, earn 0.5 Qantas Points per $1 up to a maximum of $100,000 spent on eligible purchases annually. For Amplify Qantas Signature cards, earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. This annual limit resets in January each year, based on your statement date. Bonus Points earned are not part of your annual cap.

55 Days Interest Free: Receive up to 55 days interest free on your purchases if your Monthly Payment Balance is paid in full by the due date shown each month. This amount is calculated as the main account balance minus the balance transfer amount plus any Plan&Pay instalments for this month. If you do not have any Plan&Pay instalments or a balance transfer, the Monthly Payment Balance will be the same as the Closing Balance.

Qantas and Jetstar Any Seat Awards are available on any flight with a QF or JQ flight number. The points required will be quoted when booked. There is no fixed relationship between the cash price charged by the applicable airline for a seat and the points required to redeem an Any Seat Award through Qantas Frequent Flyer. Special promotional fares may not apply. Award flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply). For more information see The Jetstar Any Seat Awards booking service is operated by Carlson Marketing Group (Aust) Pty Ltd trading as Carlson Leisure Travel Service Licence No. 2TA 5778, IATA 02-3 59523 For more information on the Qantas Frequent Flyer program, visit

Qantas Marketplace products are for delivery in Australia and New Zealand only (and different products are available in each delivery location). Redemption of points through Qantas Marketplace is subject to terms and conditions (including Marketplace terms of use and voucher terms and conditions). See for details.

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.

Qantas Club Complimentary Lounge Invitations: As a Bank of Melbourne Amplify Signature cardholder earning Qantas Points, you are eligible for two Qantas Club Complimentary Lounge Invitations for each 12-month period of your anniversary registration date when you register your Amplify Signature credit card via and you have made a transaction of more than $1 within the last 12 months.

Qantas Club Complimentary Lounge Invitations will be made available via the Complimentary Invitations Portal, within 14 business days of you meeting eligible spend. To access your invitation, log-in to the portal using your QFF details. Once there you can link it with an eligible flight booking. To receive your Complimentary Lounge Invitations, you must have given Westpac your QFF number. If you aren’t already a QFF Member, head to to join without charge.

Qantas Club Complimentary Lounge Invitations are provided courtesy of Bank of Melbourne and are valid for Qantas Club and Qantas-operated International Business Lounges (excluding Los Angeles Tom Bradley Airport lounge). Each invitation is for a single visit when travelling with a Qantas (QF) or Jetstar (JQ, 3K, GK, BL) flight number and is valid until its expiry date. 

Access and use is subject to Qantas Club rules and T&Cs, and at the full discretion of lounge staff. Entry may not be available if a lounge is full or near capacity. Invitations are not valid in International First Class lounges, Chairman's Lounge, Qantas Domestic Business, oneworld® alliance airline, partner airline or associated lounges. Invitations must not be resold. Qantas reserves the right to cancel invitations and disqualify future invitations if you are in breach of this policy. Note Qantas Club Lounge Invitations can only be issued if you comply with the Credit Card Terms and Conditions (PDF 288KB) and your account remains open.

7Concierge Services are provided by a third party supplier. For further details including terms and conditions visit

Bonus Qantas Points earned on selected Qantas products and services on Qantas passenger flights (with a QF flight number) booked directly with Qantas, Qantas Club and Qantas Frequent Flyer memberships, and purchases from Qantas Travel - excludes Jetstar flights and services. You do not earn bonus points on Qantas Freight, Qantas Business Travel, Jetset Travelworld channels and Qantas Staff Travel.

10 Any offer through Visa Luxury Hotel Collection is valid at participating properties and Visa Platinum and Signature cardholders in the Australia/Pacific, Europe, Middle East and Africa (APCEMEA) regions. Offer is only valid when you pay with a valid and eligible Visa card. Best Available Rate applicable. Not applicable on discounted rates or combined with other offers at time of enquiry/booking. One daily breakfast per person during stay. Excludes all applicable taxes, services, gratuities and charges, and must be a valid and eligible Visa card. Void where prohibited, taxed or restricted by law. All reservations are subject to availability at time of confirmation. Visa and participating properties reserve the right to vary the terms and conditions of this offer. For updated list of participating properties, please visit or call Visa Concierge for details.

11 An additional credit card can be issued on the primary cardholder's account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. All Qantas Points remain the benefit of the primary cardholder.

12 Fraud Money Bank Guarantee: Our Bank of Melbourne Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Bank of Melbourne promptly. Refer to the Credit Card Terms and Conditions (PDF 288KB) for full details, including when a customer will be liable.

*Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Classic Flight Reward seats are subject to capacity controls, availability is limited and some flights may not have any Classic Flight Rewards available.  The Qantas Points, taxes, fees and carrier charges stated are accurate as at 24 April 2022 but may vary at the time of booking. Status Credits and Qantas Points will not be earned on Classic Flight Rewards. Visit Classic Flight Rewards for more information.

Read the Apple Pay Terms and Conditions (PDF 31KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card, and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Read the Google Pay Terms and Conditions before making a decision and consider if it is right for you. Available for eligible cards. To use Google Pay you will need to use a compatible device with a supported operating system. See our Google Pay FAQs for more information.

Read the Samsung Pay Terms and Conditions before making a decision and consider if it is right for you. To use Samsung Pay you will need to use a compatible device with a supported operating system. See our Samsung Pay FAQs for more information.

Internet connection may be needed to make purchases using Google Pay, Samsung Pay and normal mobile data charges apply.

Android, Google Pay and Google Play are trademarks of Google Inc.

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.