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Earn Amplify Points with every eligible purchase, and enjoy a range of complimentary insurances.

Bank of Melbourne Amplify Rewards Platinum credit card
$99 Annual card fee
1 Amplify Point Per dollar on eligible purchases – uncapped1
19.49% p.a. Variable interest rate on purchases
Up to 55 days Interest free on purchases2
$6,000 Minimum credit limit

See below for standard rates and fees.

100,000 bonus Amplify points

That could be worth up to $450 in eGift cards<, when you spend $3k+ on eligible purchases within 90 days of new card approval*, plus: 

  • $29 card fee for the first year (saving $70)**
  • 0% p.a. interest for 24 months on balance transfers###  
    When requested at card application. 1% balance transfer fee applies if you make a balance transfer. The variable cash advance rate will apply after the promotional period. 

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. Must sign up by 30th June 2022. T&Cs apply.

What is Amplify Rewards?

The Bank of Melbourne Amplify Rewards program offers flexibility in how you can use your points. For starters, the points you earn never expire, giving you as much time as needed to build your balance.

When you are ready to redeem, you can choose from merchant gift cards, travel options, shopping at our own online store - you can even transfer them to one of our partner airline frequent flyer programs3 or donate to one of our listed charities. The choice is yours.

For example, 11,100 Amplify Points currently gets you a $50 e-gift card from a range of merchants such as David Jones, Myer, JB Hi-Fi, Bunnings and others<.



Bank of Melbourne Amplify Rewards

Why you'll love the Amplify Rewards Platinum card

Amplify Points

Earn 1 point for every dollar spent on eligible purchases – uncapped1.

Complimentary Insurances

Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 3 months' complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance. (terms, conditions, exclusions and eligibility criteria apply).4

Up to 55 days interest-free

That’s more time to pay your purchase balance and avoid interest charges on your purchases2. The interest-free days don’t cover cash advances.

Other reasons to choose

Access to Visa’s Luxury Hotel Collection, giving you the best available rate guarantee and upgrade benefits when available5.

Key rates and fees

  • 19.49% p.a. variable interest rate on purchases
  • $99 annual card fee
  • 21.49% p.a. variable cash advance interest rate
  • $15 fee applied for each late payment or missed payment
  • 3% of each cash advance amount
  • 3% of the Australian dollar value for transactions with merchants based overseas

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. 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.

<Converting Amplify Points: You can convert the points earned on your Amplify Rewards Signature or Amplify Rewards Platinum credit card to e-gift cards via your Amplify Rewards Account, which can be accessed via Bank of Melbourne Internet or Mobile Banking. The estimated e-Gift card value in the above examples are based on current redemption rates as at 4th April 2022 and is subject to change without notification. All redemption of Amplify Points are subject to availability and the Amplify Terms and Conditions (PDF 123KB).

*Amplify Platinum Bonus Amplify Points Offer: The bonus Amplify Points promotion is available when you apply and are approved for a new Amplify Rewards Platinum credit card between 3rd March 2022 and 30th June 2022, and spend the minimum amount of $3,000 on eligible purchases 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 from 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, are not eligible for this offer. The bonus Amplify Points will be added to your points balance within 12 weeks of the eligible spend criteria being met.

**Amplify Rewards Platinum Discounted First Year Fee: The discounted first year card fee promotion is available when you apply and are approved for a new Amplify Rewards Platinum credit card between 3rd March 2022 and 30th June 2022. The first year card fee at the special promotional rate will be debited to your card account on your first transaction and the full card fee will be debited annually thereafter.

###Amplify Rewards Platinum Balance Transfer Promotion: The promotional balance transfer rate is available when you apply and are approved for a new Amplify Rewards Platinum credit card between 3rd March 2022 and 30th June 2022, and request at card application to transfer balance(s) from up to 3 non-Bank of Melbourne, St.George and BankSA Australian issued credit, charge or store cards. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Activating your card triggers the processing of the balance transfer. A balance transfer fee of 1% of the transferred balance(s) will apply to balance(s) transferred to a Amplify Rewards Platinum credit card. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. Bank of Melbourne will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.

The earning and redemption of Amplify Points is subject to the Amplify Terms and Conditions. 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.

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.

You must be a member of the relevant frequent flyer program to redeem Amplify Points for frequent flyer points. The Amplify Terms and Conditions (PDF 123KB) and the terms and conditions of the relevant frequent flyer program apply. A joining fee may apply. Availability of award flights may be limited.

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 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.

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 www.visaluxuryhotels.com or call Visa Concierge for details.

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 Amplify Points remain the benefit of the primary cardholder.

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 181KB) for full details, including when a customer will be liable.

Read the Apple Pay Terms and Conditions (PDF 40KB) 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.