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90,000 Spend $6,000 on eligible purchases within 90 days
Bank of Melbourne Amplify Signature Credit Card – Qantas
Bank of Melbourne Amplify Signature Credit Card – Qantas

Bank of Melbourne Credit Cards

Bank of Melbourne Amplify Signature Credit Card – Qantas

Updated 7 November 2023

Receive 90,000 bonus Qantas Points when you apply for a new Bank of Melbourne Amplify Signature Card by 30 April 2024 and spend $6,000 on eligible purchases in the first 90 days from card approval. Plus, enjoy 0% p.a. interest on balance transfers for 24 months, 1% BT fee applies. Earn more points with 0.75 Qantas Points per $1 spent on eligible purchases*. This rewarding credit card is packed with benefits which include complimentary insurance, lounge passes, and much more.

Points Earn Rate (per $1 spent)

0.75 points

Capped at $250,000 per year. Bonus Qantas Points excluded in the cap.

Rewards Program

Qantas Frequent Flyer

Bonus Points

90,000 pts

Spend $6,000 on eligible purchases within 90 days

Pros and cons

  • Earn 90,000 bonus Qantas points when you spend $6,000 on eligible purchases using your new card within 90 days of card approval
  • 0% p.a. interest on balance transfers for 24 months when requested at card application, 1% BT fee applies and reverts to cash advance rate. New cards only
  • Earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases per year*
  • Earn points twice on purchases with Qantas Frequent Flyer Program partners – once with your card and once with the program partner
  • Range of complimentary insurances such as interstate flight inconvenience insurance, up to 4 months purchase security cover, and transit accident insurance
  • Complimentary International and Domestic Travel Insurance (including COVID-19 coverage effective 30 June 2022, T&Cs apply)
  • 2 complimentary Qantas lounge visits each year
  • Birthday bonus: Within 4 weeks of your birthday, receive an additional 10% of the points earned in the last 12 months
  • Get an additional cardholder at no extra cost
  • Up to 55 days interest free on purchases
  • Visa Luxury Hotel Collection
  • Exclusive Concierge Services
  • Eligible with Apple Pay, Google Pay and Samsung Pay

  • High cash advance rate
  • $75 annual Qantas Rewards fee

Creditcard.com.au review

Editor Review

Bank of Melbourne Amplify Signature Credit Card – Qantas

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. about this card.

The Bank of Melbourne Amplify Signature Credit Card - Qantas

Tantalising new cardholders with 90,000 bonus Qantas Points plus 0% p.a. for 24 months on balance transfers, the Bank of Melbourne Amplify Signature Credit Card is a great points earner, offering plenty of benefits and perks on the side. New cardholders can benefit from extras such as birthday bonus points, Qantas Lounge access and complimentary insurance covers.

Point calculations are accurate as of 7 November 2023 but may be subject to change without notice. All routes may have additional taxes and charges. Check on the official Bank of Melbourne page for the updated calculations.

What we love...

Before we talk about anything else, we need to look at that bonus points offer in more detail. With the Bank of Melbourne Amplify Signature Credit Card, new cardholders who apply and are approved by 30 April 2024 can take home 90,000 bonus Qantas Points. To qualify, all you need to do is spend $6,000 on eligible purchases within 90 days of card approval.

After making that minimum spend, your bonus points will hit your account within 12 weeks. Then it’s simply a matter of what you’ll do with them. You could fly from Melbourne to New York for 55,200 Qantas Points, or to Honolulu for 57,500 Qantas Points. As they say, the world is your oyster.

Dubbed Bank of Melbourne’s ‘most rewarding credit card’, the Bank of Melbourne Amplify Signature Credit Card offers an earn rate of 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases per year, both domestic and overseas. You can also double your points with Qantas Frequent Flyer Program partners, earning once with your card and once with the program partner.

As for those birthday bonus points, you will receive an additional 10% of the points you earned over the preceding 12 months, each year, within four weeks of your birthday. And to help you earn even more points over the year, you can add one additional cardholder to the account at no extra charge.

Aside from rewards, Bank of Melbourne Amplify Signature Credit Card also offers 0% p.a. for 24 months on balance transfers requested at new card application with 1% balance transfer fee. Rate reverts to the variable cash advance rate after the promotional period ends. This offer allows you to transfer balances up to 80% of your approved available credit limit (minimum of $200) from up to 3 non-St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards.

What’s not so great...

While it may be Bank of Melbourne’s most rewarding credit card, the Bank of Melbourne Amplify Signature Credit Card doesn’t offer the highest Qantas earn rate in town. While the card does offer high points-earning potential, new cardholders should work out the value they will get in rewards and features, to weigh that against the card’s annual fee.

In addition, cardholders should work to avoid high interest charges on cash advances. As this card has a relatively high rate of interest – as most rewards cards do – it’s best to avoid cash advances. And also, be aware that the balance transfer offer reverts to the cash advance rate. Therefore it's best to clear your balances at the end of each period if you want to get the most value from what’s on offer.

As of July 2023, Bank of Melbourne has introduced an annual $75 Qantas Rewards fee if you earn Qantas Points through the Amplify Qantas rewards program.

Why should you choose this card?

With a great selection of features, the Bank of Melbourne Amplify Signature Credit Card would suit cardholders who find value in extras, while earning rewards on day-to-day spending. Making it easy to earn Qantas points on everyday purchases and Qantas spending, the card also provides extras that work well for frequent travellers.

As a cardholder, you can enjoy Qantas Lounge access, with two Qantas Lounge passes each year alongside complimentary insurance covers. These provide cover on overseas travel for you, your spouse and your dependent children, on trips up to six months. Additional cover comes in the form of extended warranty insurance and price guarantee cover.

Overall Rating

Offering 90,000 bonus Qantas Points, the Bank of Melbourne Amplify Signature Credit Card allows cardholders to earn Qantas Points day-to-day, while enjoying ease in paying debts for a long time with 0% p.a. for 24 months on balance transfers. Also serves extras such as insurance cover, birthday bonus points and Qantas Lounge access.

User reviews

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

75% rating based on 2 reviews

Rates
Fees
Rewards
Customer Service
Value
90%

lxbfYeaa

24 April 2022

1

Does not recommend this card

Rates and fees

Interest rates



Purchase rate 19.49% 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 24 months

Balance transfer revert rate 21.49% p.a.

Balance transfer from personal loan No

Balance transfer fee 1% one off

Balance transfer limit 80% of approved credit limit

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

Credit limits

Minimum credit limit $15,000

Maximum credit limit $80,000

Fees & repayments

Annual fee $295 p.a.

Additional cardholder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment 2% or $10, whichever is greater

Cash advance fee 3%

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Qantas Frequent Flyer Qantas Frequent Flyer

Bonus points 90,000 points

Annual points cap 187,500

Bonus points spend criteria Spend $6,000 on eligible purchases within 90 days

Earning points with this card

Qantas Rewards points 0.75 points per $1 spent

Points cap per month Capped at $250,000 per year. Bonus Qantas Points excluded in the cap.

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance Yes - up to 6 months

Flight Inconvenience Insurance Yes

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance Yes

Extras

2 Qantas Lounge Passes per year

Celebrate birthdays with a 10% points bonus

Visa Luxury Hotel Collection

Eligible with Apple Pay, Google Pay and Samsung Pay

Overview

Bank of Melbourne Amplify Signature Credit Card – Qantas

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

*From 1 January 2022, earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. Bonus Qantas Points are not included in the cap.

Key features

  • Earn 90,000 bonus Qantas points when you spend $6,000 on eligible purchases using your new card within 90 days of card approval
  • 0% p.a. interest on balance transfers for 24 months when requested at card application, 1% BT fee applies and reverts to cash advance rate. New cards only
  • Earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases per year*
  • Birthday bonus: Within 4 weeks of your birthday, receive an additional 10% of the points earned in the last 12 months
  • Earn points twice on purchases with Qantas Frequent Flyer Program partners – once with your card and once with the program partner
  • 2 complimentary Qantas lounge visits each year
  • Range of complimentary insurances such as interstate flight inconvenience insurance, up to 6 months overseas travel insurance, extended warranty, up to 4 months purchase security cover, and transit accident insurance
  • Up to 55 days interest free on purchases
  • $75 annual Qantas Rewards fee
  • Visa Luxury Hotel Collection
  • Exclusive Concierge Services
  • Eligible with Apple Pay, Google Pay and Samsung Pay

Minimum criteria to apply for this card

  • Be over 18 years old

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

  • Permanent resident in Australia/NZ OR; Non-resident or migrant that holds an acceptable Visa, with a minimum 1 year before expiry

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

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

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

3 questions (showing the latest 10 Q&As)

Vuzilla

Vuzilla

6 January 2020
Is buying gift cards count towards the $6000 eligible purchase?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 January 2020
    Hi Vuzilla, sure as long as they are not cash cards and used for general purchases then they should be eligible. Cards such as JB Hifi or Bunnings etc. Not cash gift cards that are basically a perpaid visa or mastercard.
timtohty taulke johnson

timtohty taulke johnson

3 October 2019
Dear Sir,Please may I ask do you have to spend 4000$ in 2 months.... or 6000$ in three months.. to qualify for the frequent flyer points.How soon after you have spent the money will I receive thefrequent flyer points.thankyou.tim
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 October 2019
    Hi Tim, with the Amplify Signature credit card bonus points offer. You need to spend at least $6,000 on eligible purchases made with the card within 90 days of card approval. Its a much lower $2,000 on eligible purchases on an Amplify Platinum Qantas credit card to receive the points. The bonus points will be credited to your points balance within 12 weeks after the eligible spend criteria is met.
Garry

Garry

29 May 2019
How do you get the 2 Qantas Lounge Passes per year. Do you have to apply for them or is it automatically sent to you. I have had an Amplify Signature credit card for several years an never have been prvided with these passes. ??
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 May 2019
    Hi Gary, just checking the terms. Qantas Club Lounge Invitations is offered to Qantas Rewards Cardholders who must enrol via loungepass.bankofmelbourne.com.au. Access and use is subject to Qantas Club Rules. For full terms and conditions visit qantas.com/qantasclub and some exclusions apply.

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