Bank of Melbourne Amplify Card

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Earn points with your choice of Amplify Rewards or Qantas Points and save with a 0% interest rate for 14 months on purchases.

Collect either Amplify Rewards or Qantas Points and take advantage of competitive cost-saving features with the Bank of Melbourne Amplify credit card.

0% p.a.

Purchase rate

for the first 14 months (reverts to 19.74% p.a.)


Reward point

Per $ spent (Visa/Mastercard)

$79 p.a.

Annual fee

55 days

Interest free period


Product NameBank of Melbourne Amplify Card
Rewards ProgramQantas Frequent Flyer
Amplify Rewards
Purchase Rate0% for 14 months (reverts to 19.74% p.a.)
Annual Fee$79
Interest Free Period55 days
Cash Advance Rate21.49% p.a.
Minimum Credit Limit$500
Maximum Credit Limit$80,000
Card TypeVisa
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Complimentary Travel InsuranceNo
Minimum Age18 years of age
Available to Temporary ResidentsNo
Joint ApplicationYes


  • 0% p.a. interest on purchases for the first 14 months
  • Flexibility to choose from 2 reward programs, Amplify Rewards or Qantas Frequent Flyer and have membership fee waived for new cardholders


  • After the introductory period ends, purchases attract the relatively high interest rate of 19.74% p.a. (variable).
Rewards ProgramQantas Frequent Flyer
Amplify Rewards
Rewards Points per $ spent (Visa/Mastercard)1
Annual Fee$79
Minimum Monthly Repayment2% of the closing balance or $10, whichever is greater
Late Payment Fee$15
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Cash Advance Fee2% or $2.50, whichever is greater
Overseas Cash Advance Fee2% or $2.50, whichever is greater
Additional Cardholder Fee$0
Number of Additional Cardholders1

Expert review

Sally McMullen

Review by

Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.

Expert review

The Amplify credit card is Bank of Melbourne’s entry-level rewards credit card. It’s one of the few credit cards on the market that combines a 0% purchase interest rate offer with a rewards program.

While it doesn’t offer bonus points or as competitive earn rates as some other cards, it does charge a lower annual fee than some other more premium frequent flyer offers.

How to apply

You can apply for the Bank of Melbourne Amplify credit card online in 10 minutes and receive a response instantly.

Eligibility criteria

  • Age. This card is only available to applicants who are at least 18 years of age.
  • Residency. You must be a permanent resident of Australia.

Card benefits

  • 0% p.a. on purchases for 14 months. Enjoy a 0% purchase interest rate for the first 14 months when you apply and get approved by 02 October 2019. After the promotional period is over, any remaining balance will attract interest at the 19.74% p.a. purchase interest rate, so you should aim to pay your balance in full before that time.
  • Rewards for your spending. You will earn Amplify Point per $1 spent if you link your card to the Amplify Rewards program. With the Amplify Qantas program, you will earn 0.5 Qantas Points per $1 spent. The earn rates are uncapped for both programs.

Rates & fees

  • Interest rate. The variable interest rate that applies to purchases is purchases is 19.74% p.a.
  • Annual fee. The card attracts an annual fee of $79.

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  1. Default Gravatar
    December 18, 2017

    Hello, we have a NAB AMEX/Visa card and we pay our balance off each month. I am 70yrs and hubby 75yrs. Can we apply for Bank of Melbourne Amplify Card and can we earned Qantas points on the card.

    • AvatarStaff
      December 19, 2017

      Hi Joan,

      Thanks for reaching out.

      You may go ahead and check on the eligibility criteria of Bank of Melbourne Amplify Card to make sure you meet the requirements.

      Requirements listed on the page above are:
      *Be at least 18 years of age
      *Be a permanent Australian resident
      *Have a good credit rating
      *Be looking for a credit limit that is between $500 and $80,000

      This card has the feature called “Amplify Qantas”. With this program, you will earn 0.5 Qantas Points for every $1 spent on your card.

      Hope this helps,

  2. Default Gravatar
    September 15, 2015

    Hi, please clarify –

    if we apply today and its take 10 days to approve, after the 23rd, does this mean we miss out on the Balance transfer.

    Both comments relating to this are contradictory. See below. Under Promo info it simply state that we have to apply, not also approved to be eligible for the balance transfer @ 0% for 16 months,

    Apply before the 23 September 2015 – To be eligible for the balance transfer offer with the Bank of Melbourne Amplify Credit Card, you need to apply and get approved for the account before the 23 September 2015.

    Promotional purchase rate

    0% p.a. on purchases for 3 months – Apply by 23 September 2015 and you won’t pay any interest on purchases you make with the card for 3 months. The standard purchase rate will apply to any outstanding balance after the 90-day period.

    • AvatarStaff
      September 16, 2015

      Hi Indigo, thanks for your inquiry.

      We can confirm that you may still be able to avail the promotional balance transfer rate, provided that you have requested an application to transfer balances from existing credit cards and if your application is submitted before 23 September 2015. The introductory purchase rate of 0% for 3 months is also available if you apply before 23 September 2015.

      I hope this has helped.



  3. Default Gravatar
    May 7, 2013

    In your terms and conditions, 3.2 says: Subject to the exclusions set out in clause 4.4, under Amplify Rewards, Amplify points are earned whenever goods or services are purchased using a Card or
    the Card Account. So – if i apply for this card and add an additional cardholder, do the purchases made by the additional card qualify to earn Amplify Rewards points on the primary cardholders account (if I choose that option) and is there a fee payable (annual or otherwise)in order for those additional card purchases to qualify. Thanks

    • AvatarStaff
      May 7, 2013

      Hi Kerry. Thanks for your question. You’re correct with what you say about the additional cardholder earning points for the primary card account. The way it works is once you have an additional cardholder added to an account, the supplementary card will earn points on the primary account when an eligible purchase is made with the card. There is no fee for adding an additional cardholder to this account (you can have one additional cardholder) and there is no fee for allowing this card to earn points to the primary account. Let me know if this has answered your question and whether you need more information. Jacob.

  4. Default Gravatar
    February 12, 2013

    Hi, I was just wondering can I apply for this card if I’ve
    never owned a credit card before? Thanks

    • AvatarStaff
      February 12, 2013

      Hi Christine. Thanks for your question. Provided that you meet the minimum income requirements for this card, there should be no issues if you’ve never owned a credit card before.

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