- 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 for every $1 spent on eligible purchases, uncapped*
- 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 6 months overseas travel insurance, extended warranty, up to 4 months purchase security cover, and transit accident insurance
- 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
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Bank of Melbourne Credit Cards
Bank of Melbourne Amplify Signature Credit Card – Qantas
Updated 9 November 2021
Receive 90,000 bonus Qantas Points when you apply for a new Bank of Melbourne Amplify Signature Card 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, uncapped*. This rewarding credit card is packed with benefits which include complimentary insurances, lounge passes and much more.
T&Cs apply. Offer ends 24 February 2022
Points Earn Rate (per $1 spent)
0.75 points
From 1 January 2022, Qantas Points are 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
- High cash advance rate
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 Ask Pauline a Question 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.
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 24 February 2022 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 66,200 Qantas Points, to Moscow for 80,500 Qantas Points, or to Stavanger for 230,000 Qantas Points. As they say, the world is your oyster. Point calculations accurate at the time of publishing (which may be subject to change without notice). All routes may have additional taxes and charges.
Dubbed Bank of Melbourne’s ‘most rewarding credit card’, the Bank of Melbourne Amplify Signature Credit Card offers an uncapped earn rate of 0.75 Qantas Points per $1 on eligible purchases, 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.
*From 1 January 2022, Qantas Points are capped at $250,000 per year. Bonus Qantas Points excluded in the cap.
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 uncapped 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.
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. You can also benefit from complimentary Qantas Frequent Flyer membership, saving you $99.50, 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
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
Banks 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 $279 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
Bonus points 90,000 points
Annual points cap uncapped
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 From 1 January 2022, Qantas Points are 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 0.5 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 for every $1 spent on eligible purchases, uncapped*
- 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
- 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
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 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
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