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75,000 spend $4,000 on eligible purchases within 90 days of card approval.
Bank of Melbourne Amplify Platinum Credit Card – Qantas
Bank of Melbourne Amplify Platinum Credit Card – Qantas
1 review
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Bank of Melbourne Credit Cards

Bank of Melbourne Amplify Platinum Credit Card – Qantas

Updated 22 August 2025

The Bank of Melbourne Amplify Platinum lets you earn 75,000 bonus Qantas Points when you spend $4,000 or more on eligible purchases within the first 90 days of new card approval. New cards only. Earn 0.5 Qantas Points per $1 on everyday spend (capped at $60,000 per year), 0.75 Qantas Points per $1 on international spend, and 0.35 Qantas Points per $1 on all other purchases. Includes Complimentary International Travel Insurance for trips up to 3 months (T&Cs apply).

Points Earn Rate (per $1 spent)

0.5 points

Capped at $5,000 spend per statement cycle. Further eligible purchases in that cycle earn 0.2 Qantas Points per $1. Bonus Qantas Points excluded in the cap.

Rewards Program

Qantas Frequent Flyer

Bonus Points

75,000 pts

spend $4,000 on eligible purchases within 90 days of card approval.

Pros and cons

  • Earn 75,000 bonus Qantas Points when you spend $4,000 or more on eligible purchases within the first 90 days of new card approval. New cards only
  • Earn 0.5 Qantas Points per $1 on everyday spend capped at $60,000 per year (bonus points excluded), 0.75 Qantas Points per $1 on international spend, and 0.35 Qantas Points per $1 on all other purchases
  • Complimentary International Travel Insurance on trips up to 3 months for you, your spouse and dependent children (T&Cs apply)
  • Get an additional cardholder at no extra cost
  • Up to 55 days interest free on purchases
  • Eligible with Apple Pay, Google Pay and Samsung Pay
  • Purchase rate 20.99% p.a. (variable)

  • Annual card fee: $175 (or $49 for the first year if already a Bank of Melbourne customer, reverts to $175 p.a. thereafter)
  • $75 Annual Qantas Rewards Program fee

Creditcard.com.au review

Editor Review

Bank of Melbourne Amplify Platinum Credit Card – Qantas

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. about this card.

Compare cards with the same features as the Bank of Melbourne Amplify Platinum Qantas card

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The Bank of Melbourne Amplify Platinum Credit Card - Qantas

Delivering 75,000 bonus Qantas Points, the Bank of Melbourne Amplify Platinum Credit Card is a great option for cardholders who want to earn Qantas Points while enjoying a competitive annual fee and platinum perks. Benefits include extended warranty insurance and complimentary International Travel Insurance for trips up to three months.

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

What we love...

First up on our love list is that bonus points offer. With 75,000 Qantas Points, you have the world at your feet – or at least as far as the western coast of North America. For 41,900 Qantas Points, you could fly from Melbourne to Los Angeles or from Sydney to San Francisco. Want to go further? Check out the Qantas site to see how far you could go.

Point calculations are accurate as of 22 August 2025 but may be subject to change without notice. All routes may have additional taxes and charges. Check on the official BankSA page for the updated calculations.

To get your hands on those bonus points, all you need to do is apply and be approved, and then spend $4,000 on eligible purchases within the first 90 days. Bear in mind, existing customers who currently hold an Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne, or BankSA, or who have held one in the past 12 months, are not eligible for this offer.

One of the standout features of the Bank of Melbourne Amplify Platinum Credit Card is that it earns rewards on the Qantas Frequent Flyer program. Cardholders can earn 0.5 Qantas Points per $1 spent capped at $60,000 per year (bonus Qantas Points excluded) at home and 0.75 Qantas points overseas while picking up extra points when using the card with Qantas partners. With this, you earn once with the card and once with the program partner.

Earning points on the Qantas program offers cardholders an array of rewards options. From flights and upgrades with Qantas and its airline partners, to gift cards and merchandise from Qantas Store. where you can pick up anything from a Nespresso machine to an iPhone. Want to earn points faster? You can do so, by adding one additional cardholder at no extra cost.

What’s not so great...

Big spenders may look to cards with higher annual fees offering a higher earn rate. But, if you want to spend less in annual fees during the first year while earning Qantas Points, this could be the card for you.

It’s also worth noting that this card has a fairly high rate of interest on cash advances and purchases. Like so many other platinum rewards cards, this is a card that you want to clear your balance on month-to-month, so you can make the most of the features and rewards on offer.

Why should you choose this card?

The Bank of Melbourne Amplify Platinum Credit Card could work perfectly for you if you want an affordable Qantas rewards card with some nice features on the side plus, great introductory offers. Keeping it simple, the card has an easy-to-understand earn rate, and a few platinum perks to keep you interested.

The card offers complimentary extended warranty insurance, which extends the standard manufacturer’s warranty on items purchased on the card by up to 12 months. If you purchase travel on the card, you may also benefit from the card’s travel insurance, which provides cover for you, your spouse and your dependent children on trips up to three months.

Overall Rating

An appealing platinum rewards card, the Bank of Melbourne Amplify Platinum Credit Card keeps things fairly simple, offering a decent earn rate and complimentary insurance covers, with a very enticing intro offers of 75,000 bonus Qantas Points.

User reviews

Bank of Melbourne Amplify Platinum Credit Card – Qantas ( based on 1 Creditcard.com.au user review )

56% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 20.99% p.a.

Cash advance rate 21.99% p.a.

Interest free period on purchases up to 55 days

Credit limits

Minimum credit limit $6,000

Maximum credit limit $80,000

Fees & repayments

Annual fee $175 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 75,000 points

Annual points cap uncapped

Bonus points spend criteria spend $4,000 on eligible purchases within 90 days of card approval.

Earning points with this card

Qantas Rewards points 0.5 points per $1 spent

Points cap per month Capped at $5,000 spend per statement cycle. Further eligible purchases in that cycle earn 0.2 Qantas Points per $1. Bonus Qantas Points excluded in the cap.

Overseas earn rate 0.75 points per $1 spent

Additional features

Complimentary insurance

International Travel Insurance Yes - up to 3 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

Eligible with Apple Pay, Google Pay and Samsung Pay

Travel insurance underwritten by Allianz Australia Insurance Limited

Overview

Bank of Melbourne Amplify Platinum Credit Card – Qantas

Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. To be entitled to it, you must pay the “monthly payment balance” in full by the due date as shown on your statement.

Earn 0.5 Qantas Points per $1 on everyday spend, capped at $60,000 per year (bonus points excluded). Earn 0.75 Qantas Points per $1 on international spend and 0.35 Qantas Points per $1 on all other purchases.

Key features

  • Earn 75,000 bonus Qantas Points when you spend $4,000 or more on eligible purchases within the first 90 days of new card approval. New cards only
  • Earn 0.5 Qantas Points per $1 on everyday spend capped at $60,000 per year (bonus points excluded), 0.75 Qantas Points per $1 on international spend, and 0.35 Qantas Points per $1 on all other purchases
  • Complimentary International Travel Insurance on trips up to 3 months for you, your spouse and dependent children (T&Cs apply)
  • Up to 55 days interest free on purchases
  • Purchase rate 20.99% p.a. (variable)
  • Get an additional cardholder at no extra cost
  • 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

  • You have permanent residency in Australia/NZ OR; You’re a non-resident or migrant and hold an acceptable Visa, with a min 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 9 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)

peter

peter

10 February 2023
can you have the amplify platinum credit card - quantas as part of the Advantage package?
    Pauline - CreditCard.com.au

    Pauline

    13 February 2023
    Hi Peter! I’m not sure if Bank of Melbourne includes this card in its packages. You can check their website or it’d probably be best to contact them directly. Bank of Melbourne’s customer service number is 13 22 66. Hope that helps!
kornel

kornel

25 June 2021
Hi please let me know what is the minimum income criteria for say a $ 16000.00 credit limit . Looking forward to hear from You . Thanks and regards Kornel
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    29 June 2021
    Hi Kornel, thank you for your question. The minimum credit limit one can be approved for by Bank of Melbourne Amplify Platinum credit card is $6,000 and the maximum $80,000. Credit card providers, like Bank of Melbourne will set a credit limit based on their internal eligibility factors, such as yearly income, credit score, payment history to name a few. Banks are known to be quite vague when it comes to these factors.
Austin

Austin

13 June 2021
if I had a similar card with st.George bank previously, am i still eligible for the 60k bonus points from BOA?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 June 2021
    Hi Austin, thanks for your question. We looked into this and saw that you’ll still be recognised as a ‘new customer’ if you haven’t had any Bank of Melbourne branded credit card. Hope this helps.

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