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Bank of Melbourne Amplify Platinum Credit Card
Bank of Melbourne Amplify Platinum Credit Card

Bank of Melbourne Credit Cards

Bank of Melbourne Amplify Platinum Credit Card

Updated 19 November 2019

Get a $400 eGift card (Sunglass Hut, Sephora or Uber) when you spend $3,000 on eligible purchases on your new Bank of Melbourne Amplify Platinum Credit Card within 90 days of card approval. Earn 1 point per $1 spent on eligible purchases with Australian and overseas merchants. Redeem your points on frequent flyer programs such as Virgin Australia’s Velocity, Malaysia Airlines’ Enrich and Singapore Airlines’ KrisFlyer programs, gift cards, retail vouchers, homewares, travel and more. You can also opt-in to automatically convert Amplify Points to Velocity Frequent Flyer points.

T&Cs apply. Offer ends 12 February 2020

Points Earn Rate (per $1 spent)

1 point

Amplify

Rewards Program

Amplify Rewards

Bonus Points

N/A

0 points over 12 months spend

My monthly card spend

Pros and cons

  • Get a $400 eGift Card when you spend $3,000 on eligible purchases in 90 days. Your choice of a Sunglass Hut, Sephora or Uber $400 eGift Card
  • Earn 1 Amplify point per $1 spent on eligible purchases with Australian and overseas merchants
  • Redeem your points on frequent flyer programs such as Virgin Australia’s Velocity, Malaysia Airlines’ Enrich and Singapore Airlines’ KrisFlyer programs, gift cards, retail vouchers, homewares, travel and more.
  • $99 annual card fee
  • Overseas Travel Insurance on trips up to 3 months for you, your spouse and/or dependent children
  • Get an additional cardholder at no extra cost
  • Up to 55 days interest free on purchases
  • Eligible with Samsung Pay & Google Pay

  • 3% foreign transaction fee

Creditcard.com.au review

Editor Review

Bank of Melbourne Amplify Platinum Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The Bank of Melbourne Amplify Platinum Card with a $400 eGift Card

If you’re thinking about applying for a rewards card but you’re not sure which rewards program would benefit you most, the Bank of Melbourne Amplify Platinum Card could be the card for you.

Giving you the option to earn and redeem points on either the Amplify program or the Qantas program, the Bank of Melbourne Amplify Platinum Card provides a decent earn rate and plenty of platinum perks, alongside a pretty terrific $400 eGift Card offer.

If that sounds like it might be right up your street, read on to find out all the need-to-know on this entirely appealing piece of plastic.

What we love...

Before we get into the nitty gritty on this card, first we need to discuss that eGift Card offer. If you sign up for a Bank of Melbourne Amplify Platinum Card and spend $3,000 on eligible purchases within first 90 days you'll get a $400 eGift card. You will be sent an email asking you to choose an eGift Card from either Sunglass Hut, Sephora or Uber within 60 days of meeting minimum spend criteria. Existing St.George, Bank of Melbourne and BankSA customers who currently hold an Amplify, Amplify Platinum or Amplify Signature credit card, or who have held one in the last 12 months and Westpac Group staff are not eligible for this offer.If you want to earn Qantas points, click here to see the Bank of Melbourne Amplify Platinum Credit Card with Qantas Rewards.

Putting aside the introductory offer, let’s talk about those two rewards programs. If you opt to earn on the Amplify program, you could earn 1 point per $1 spent on eligible purchases within Australia and overseas.

Your points can be redeemed on frequent flyer programs such as Virgin Australia’s Velocity, Malaysia Airlines’ Enrich and Singapore Airlines’ KrisFlyer programs, or on gift cards, retail vouchers, homewares, travel and more.

If you choose the Qantas program, you could earn 0.5 Qantas points per $1 spent on eligible purchases, to be redeemed for flights and upgrades with Qantas and its 35 partner airlines, or on more than 3,000 products, experiences and vouchers from the Qantas Store.

What’s not so great...

We all know credit cards come with small print attached. When you apply for the Bank of Melbourne Amplify Platinum Card, you should know that it comes with a fairly hefty purchase rate and cash advance rate.

As for the introductory offer, be sure to check what those points equate to within your rewards program of choice. It’s also worthwhile making sure you actually need to make the required $3,000 spend on eligible purchases within the first 90 days.

Why should you choose this card?

As long as you need to make those purchases, this card – and its eGift Card offer – could be perfect for you. For a reasonable annual fee, you can also benefit from a number of other features as well.

These include complimentary travel insurance and extended warranty insurance, up to 55 days interest free on purchases, 24/7 fraud monitoring, and one free additional cardholder to help you earn points faster.

Overall Rating

A platinum rewards card with a reasonable annual fee, which offers a decent earn rate on a choice of two rewards programs, plus a $400 eGift Card.

User reviews

Bank of Melbourne Amplify Platinum Credit Card ( based on 2 Creditcard.com.au user reviews )

77% rating based on 2 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 19.74% p.a.

Cash advance rate 21.49% p.a.

Interest free period on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 6 months

Balance transfer revert rate 21.49% p.a.

Balance transfer from personal loan No

Balance transfer fee No fee

Balance transfer limit 80% of approved credit limit

Banks you can't balance transfer from Bank of Melbourne, BankSA, St.George

Credit limits

Minimum credit limt $6,000

Maximum credit limit $80,000

Fees & repayments

Annual fee $99 p.a.

Additional card holder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment 2%

Cash advance fee 2%

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Amplify Rewards Amplify Rewards

Bonus points N/A

Annual points cap uncapped

Bonus points spend criteria N/A

Earning points with this card

Amplify Rewards points 1 point per $1 spent

Points cap per month N/A

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance Yes - up to 3 months

Flight Inconvenience Insurance No

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance No

Extras

Eligible with Samsung Pay & Google Pay

$400 eGift card (when you spend $3,000 on eligible purchases in 90 days)

Overview

Bank of Melbourne Amplify Platinum Credit Card

If you are interested in earning Qantas points instead please see the Bank of Melbourne Amplify Platinum Credit Card with Qantas Rewards.

Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. 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.

Key features

  • Get a $400 eGift Card when you spend $3,000 on eligible purchases in 90 days. Your choice of a Sunglass Hut, Sephora or Uber $400 eGift Card
  • Earn 1 Amplify point per $1 spent on eligible purchases with Australian and overseas merchants
  • Redeem your points on frequent flyer programs such as Virgin Australia’s Velocity, Malaysia Airlines’ Enrich and Singapore Airlines’ KrisFlyer programs, gift cards, retail vouchers, homewares, travel and more.
  • $99 annual card fee
  • Overseas Travel Insurance on trips up to 3 months for you, your spouse and/or dependent children
  • Get an additional cardholder at no extra cost
  • Up to 55 days interest free on purchases
  • Eligible with Samsung Pay & Google Pay

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Australian permanent resident. Temporary residents are eligible

  • Minimum income of $35,000 p.a.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

5 questions (showing the latest 10 Q&As)

Sarah

Sarah

25 September 2019
I have 87,000 points. How can I use these points?
steve

steve

15 May 2018
Am I eligible for a Ampilfy platinum card I am retired on part pension with an annuity total income aprox $58K
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    16 May 2018
    Hi Steve, this card has a minimum income of $35,000 p.a. At 58k you are well ahead on that level. If you have good credit and are a permanent resident or citizen then I would have a go. Best of luck with your application.
Sharon

Sharon

6 July 2017
How many points are earned for each $ spent?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 July 2017
    Hi Sharon, the earn rate is 1 point per $1 spent.
Lisa Merrill

Lisa Merrill

16 June 2017
What's the conversion rate for qantas points from amplify points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    19 June 2017
    Hi Lisa, you choose either to Qantas points earning or to earn Amplify points. If you select to earn Qantas points then the bonus will be delivered in Qantas points. Earn rate is 0.5 points/$ for the Qantas program with this card.
Bronwyn Pech

Bronwyn Pech

14 June 2017
What are the 'criteria' for earning the 60,000 bonus points? We don't have a current card with this bank.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 June 2017
    Hi Bronwyn, I have grabbed the terms from the BOM site. The Bonus points promotion is available when you apply for a new Amplify Platinum credit card between 3rd May 2017 and 20th September 2017 and spend the minimum amount of $3,000 on eligible purchases within 90 days from card approval on one or more transactions. Eligible purchases do not include BPAY, fees, cash, cash equivalent transactions, refunds and balance transfers debited from the card account. The bonus points depend on your choice of Rewards Program. 40,000 bonus Qantas Points or Amplify Points will be credited to your points balance within 12 weeks after the spend criteria is met. An additional 20,000 bonus Qantas Points or Amplify Points will be credited to your points balance within 6 weeks of: (1) the anniversary of your first eligible purchase transaction and (2) payment of your annual credit card fee.

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