- Earn up to 120,000 Bonus Amplify Rewards Points. Receive 90,000 bonus Qantas Points when you spend $6,000 on eligible purchases+ within 120 days of approval. Plus earn an additional 30,000 points after making the first eligible purchase in the second year of your account being active.
- 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
- 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
Hi, I’m a personal finance expert who loves to help you out! I’ll answer your question within a business day. Pinky swear.
Bank of Melbourne Credit Cards
Bank of Melbourne Amplify Signature Credit Card – Qantas
Updated 8 July 2025
Earn up to 120,000 Bonus Amplify Rewards Points. 130,000 Rewards Points if you meet the $12k+ minimum spend in the first year and an extra 50,000 points after your first eligible purchase in the second year. 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. New cards only. T&Cs apply.
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
120,000 pts
+ 30,000 after your first eligible purchase in the second year. T&Cs apply.
Pros and cons
- 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 9 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 Up to 120,000 bonus Qantas Points, 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 Qantas Lounge access and complimentary insurance covers.
If you are interested in earning Amplify points instead please see the Bank of Melbourne Amplify Signature Credit Card with Amplify Rewards.
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 can take home Up to 120,000 bonus Qantas Points. To qualify, all you need to do is spend $6,000 on eligible purchases within 120 days of card approval and keep your account open and continue to use the card in the second year.
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 or to Honolulu for 55,200 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.
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.
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 up to 120,000 bonus Qantas Points, the Bank of Melbourne Amplify Signature Credit Card allows cardholders to earn Qantas Points day-to-day, while enjoying extras such as insurance cover and Qantas Lounge access.
User reviews
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 $15,000
Maximum credit limit N/A
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
Bonus points 120,000 points
Annual points cap 187,500
Bonus points spend criteria + 30,000 after your first eligible purchase in the second year. T&Cs apply.
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
Travel insurance underwritten by Allianz Australia Insurance Limited
Visa Luxury Hotel Collection
Eligible with Apple Pay, Google Pay and Samsung Pay
2 Qantas Lounge Passes per year
Overview
Bank of Melbourne Amplify Signature Credit Card – Qantas
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 up to 120,000 Bonus Amplify Rewards Points. Receive 90,000 bonus Qantas Points when you spend $6,000 on eligible purchases+ within 120 days of approval. Plus earn an additional 30,000 points after making the first eligible purchase in the second year of your account being active.
- 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
- 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 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.
Ask a question4 questions (showing the latest 10 Q&As)
Amplify Signature Credit Card – Qantas, possible for balance transfer
Hi Brett, this card doesn't offer a balance transfer feature, it’s more designed for points earning. You can explore our Balance Transfer Cards—there are plenty of options that might suit your needs. Thanks!
Is buying gift cards count towards the $6000 eligible purchase?
Hi Vuzilla, sure as long as they are not cash cards and used for general purchases then they should be eligible. Cards such as JB Hifi or Bunnings etc. Not cash gift cards that are basically a perpaid visa or mastercard.
Dear Sir,Please may I ask do you have to spend 4000$ 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
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.
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. ??
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.
lxbfYeaa
24 April 20221
Does not recommend this card