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Key Facts Sheet

Credit Card Terms and Conditions (PDF 268KB)

Amplify Terms and Conditions (PDF 124KB)

Credit Card Accounts Fees and Charges (PDF 144KB)

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This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

#Advantage Package - Receive No Annual or Monthly Card Fee (based on the Card you hold) for every year while linked to your Advantage Package:

• You will be linked to one eligible credit card to your eligible fee paying package and receive no annual or monthly card fee while you remain on the Package. Refer to the Terms & Conditions (PDF 276KB) for more information.
• A $395 annual package fee applies and is payable from an eligible Bank of Melbourne transaction account. Before deciding to acquire a Bank of Melbourne transaction account, read the terms & conditions, and consider if the product is right for you.
• A credit card that is not in good standing is not eligible for inclusion in a package. If you are unsure of the status of your card, or would like to discuss your financial situation, please call us. 
• If you have an existing credit card that is already linked to your Advantage Package, you will not be eligible for an annual or monthly card fee waiver. 
• It can take up to 60 days for us to apply a card fee waiver. However, if your credit card annual or monthly fee is charged in error, please contact us and we will refund that fee charge. 
• All other fees, charges and interest rates applicable to your credit card, such as any Reward Program Fees, are not waived as part of the package. 
• If your package comes to an end or is cancelled the card fee waiver will no longer apply and the credit card that was linked to your package will become subject to the standard advertised fees, interest rates and charges that apply to that credit card product. You can visit our website to see our current credit card standard interest rates and charges. If the card you hold is subject to a monthly card fee and your card is no longer part of a package, the card fee will be charged on a monthly basis from here on.

^>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 Platinum Bonus Qantas Points Offer: Offer commenced 27th November 2025. To be eligible for bonus Qantas Points, you must apply and be approved for a new Amplify Qantas Platinum card before the offer is withdrawn. You will receive an initial 70,000 bonus points if you spend $4k 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. In your second year, spend a minimum of $4k on eligible purchases within 90 days of your card opened date anniversary, and you'll earn an additional 30,000 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 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 24 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. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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.

^*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.

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.

³ 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 Lounge Invitations for each 12-month period when you register your Bank of Melbourne Amplify Qantas Signature credit card via loungepass.bankofmelbourne.com.au and you have made a transaction of more than $1 within the last 12 months. The 12-month period is based on the date you register your Amplify Qantas Signature credit card via loungepass.bankofmelbourne.com.au. Qantas Club Complimentary Lounge Invitations will be made available via the Complimentary Lounge Invitations Portal, within 14 business days of you meeting the eligible spend.

Qantas Club Complimentary Lounge Invitations will be made available within 14 business days of meeting the eligibility criteria, provided you are not in breach of the Credit Card Terms and Conditions and your account remains open. Log in to your Qantas Frequent Flyer Account or use the Qantas App to access your Complimentary Lounge Invitation, and link it with an eligible Qantas flight booking. To receive your Complimentary Lounge Invitations, you must have provided Westpac 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 Lounge 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).

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