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Why choose the Amplify card?

Earn rewards points

Get rewarded just for using your card as normal. Earn 1 Amplify Point for each dollar spent on eligible purchases, uncapped.1 Earn points even faster by adding one other cardholder (16 years or older) at no extra cost.4

Lower fee

At $79, it’s the lowest annual card fee of our rewards cards.

Up to 55 days

Interest free when you pay the closing balance by the statement due date each month. Note: interest free days don't apply to balance transfers.

What could you use Amplify Points for?

Frequent flyer
Redeem them for frequent flyer points on programs including Virgin Australia’s Velocity, Malaysia Airlines’ Enrich and Singapore Airlines’ KrisFlyer.5
Gift cards
Buy prepaid gift cards from a wide range of retailers, department stores and supermarkets.1
Shopping
Head to the Amplify Store to buy electronics, homewares, experiences, beauty products, sports and camping gear and much more.1
Travel
You can also book flights, hotels, car hire and activities or create your own travel packages, 24/7 via our new Amplify Travel online booking platform.6

Rates

  • 19.74% p.a. variable interest rate on purchases
  • 21.49% p.a. variable cash advance interest rate
  • 2% of each cash advance amount (minimum of $2.50 capped at $150 per transaction)
  • 3% of the Australian dollar value for transactions with merchants based overseas

Key fees

  • $79.00 Annual card fee
  • $15.00 Fee applied for each late payment or missed payment
  • $9.00 For each dishonour of a payment under the automatic payment plan
  • $0 Card replacement fee within Australia ($52.50 outside Australia; $45 emergency replacement fee)

Complimentary services

  • Linking to Bank of Melbourne bank account
  • 24/7 fraud monitoring
  • Phone and Internet Banking
  • Automatic repayment plan
  • SMS and email alerts
  • Visa payWave contactless payments for transactions under $100

How to apply for a credit card

1.
You apply online in 10 minutes.
2.
We review your application and may ask for supporting documents.
3.
If approved, you'll receive all the information you need to activate and make the most of your new card.

The Detail

Before making a decision, please read these documents to ensure you're aware of all fees, charges and interest rates.
Credit Card Conditions of Use
All you need to know about our cards.
Credit Card Accounts Fees and Charges
A complete list of card-related costs.
Rewards Terms and Conditions
All you need to know about rewards.
Ride the rewards wave with Amplify.

The Detail

Conditions, fees and credit criteria apply.

This card is issued as a Visa card.

Credit Card Conditions of Use (PDF 1MB)
Credit Card Accounts Fees and Charges (PDF 478KB)
Amplify Rewards and Amplify Qantas Terms and Conditions (PDF 143KB)

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

1.  Earn Amplify Points through the use of an Amplify, Amplify Platinum or Amplify Signature card as set out in the Amplify Rewards and Amplify Qantas Terms and Conditions (PDF 143KB). Points are not earned on cash advances and balance transfers or in other specified circumstances. Minimum 3,000 Amplify points is needed to redeem for any reward. Specific conditions may apply to the redemption of particular rewards. Refer to amplify.bankofmelbourne.com.au.

2. Amplify Travel gives you access to most major domestic and international airlines within and from Australia and their connecting partner airlines. As with booking through a travel agent, in certain circumstances seats may not be available on the airline or flight of your choice at the time you wish to travel. Terms and conditions apply. For further details call Amplify Travel on 1300 489 586.

4. An additional card can be issued on the primary cardholders’ credit card account to any nominated person over the age of 16 years provided the account is not a joint account. All transactions using an additional card will be the responsibility of the primary cardholder. All Amplify Points remain the benefit of the primary cardholder.

5. You must be a member of the relevant frequent flyer program to redeem Amplify Points for frequent flyer points. The Amplify Rewards and Amplify Qantas Terms and Conditions (PDF 143KB) and the terms and conditions of the relevant frequent flyer program apply. A joining fee may apply. Availability of award flights may be limited. For more information on the Amplify Rewards program, visit amplify.bankofmelbourne.com.au.

6. Amplify Travel is operated by Mastercard Travel Solutions Australia Pty Ltd. ABN 70 003 745 999. All offers are correct as per date stipulated in individual offer terms and conditions, and are subject to change and availability at any time without notice. Blackout dates may apply to the offers. Offers may vary according to itinerary options, currency fluctuations and taxes at the time of booking. Prices quoted may be subject to surcharges of up to 2.5% if paying by a card product which will be calculated based upon the card product selected. We accept MasterCard, Visa, American Express and Diners Club. For validity dates, full itinerary details, conditions and all other enquiries visit call Amplify Travel on 1300 489 586.