In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert
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Bank of Melbourne Amplify Platinum

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Bank of Melbourne Amplify Platinum
Terms and conditions apply
Balance transfer rate for 24 months with 1% balance transfer fee
0% p.a.
Bonus points
Purchase rate
19.49% p.a.
Reward point per $ spent

Our verdict

Offers 100,000 bonus Amplify Points and a discounted first-year annual fee – with a 19.49% p.a. interest rate for purchases.

The Bank of Melbourne Amplify Platinum is a mid-tier rewards card that earns 1 Amplify Point per $1 on eligible spending, which you can redeem for rewards including eGift cards, retail items and frequent flyer points with Velocity Frequent Flyer or Singapore Airlines KrisFlyer. As an example, its current 100,000 bonus points offer would give you enough for $450 worth of eGift cards or 50,000 Velocity Points.


  • 100,000 bonus Amplify Points
  • Reduced annual fee of $49 in the first year
  • 0% p.a. balance transfer for 24 months
  • Uncapped rewards points on eligible purchases


  • Charges a one-time 1% balance transfer fee
  • Charges a 3% foreign transaction fee

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert

The Bank of Melbourne Amplify Platinum is suited to people who want to earn points on their credit card spending and like having a choice of different rewards – including gift cards, retail items, travel and frequent flyer points. If you apply for this card by 30 April 2024, you’ll earn 100,000 bonus Amplify Points by spending $3,000 in the first 90 days.


Product details

Product Name Bank of Melbourne Amplify Platinum
Balance transfer rate p.a. 0% for 24 months with 1% balance transfer fee, then 21.49%
Balance transfer limit 80% of available limit
Purchase rate p.a. 19.49%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 21.49%
Min credit limit $6,000
Max credit limit $80,000
Card type Visa


Available to temporary residents Yes - Conditions apply
Joint application No


Rewards program Amplify Rewards
Bonus points 100,000
Rewards points per $ spent 1


Annual fee $49 first year ($124 after)
Minimum monthly repayment 2% of the closing balance or $10, whichever is greater
Late payment fee $15
Foreign currency conversion fee 3%
Cash advance fee 3%
Overseas cash advance fee 3% of each cash advance amount
Additional cardholder fee $0
Number of additional cardholders 1

How to apply

You can apply for the Bank of Melbourne Amplify Platinum card online in 10 minutes and receive a response instantly. Just make sure you've met the eligibility criteria and have the necessary information to complete the application.

Eligibility criteria

  • New cardholder. To be eligible for the promotions, you must apply for a new card and cannot hold or have held an Amplify Platinum or Amplify Signature issued by St.George, Bank of Melbourne or BankSA in the previous 12 months.
  • Age. You must be at least 18 years of age to apply.

Card benefits

  • Bonus Amplify Points offer. Receive 100,000 bonus Amplify Points if you apply for a Bank of Melbourne Amplify Platinum card by 30 April 2024, get approved and spend $3,000 within the first 90 days of card approval.
  • First-year annual fee discount. The Bank of Melbourne Amplify Platinum credit card offers a reduced annual fee of $49 for the first year (reverts to $124 p.a. thereafter). This offer is valid until 30 April 2024.

Rates & fees

  • Annual fee. Outside of any promotions, this card charges an annual fee of $124 p.a..
  • Purchase rate. This card charges a 19.49% p.a. variable interest rate on purchases.

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August 28, 2023

if im on pension can i get credit card..


Amy Bradney-George Finder

September 03, 2023

Hi Ian,

Yes, there are banks and other lenders in Australia that accept credit card applications from people on a pension. You can compare cards in Finder’s guide to credit cards for pensioners, which also has more details on what you need to provide for an application. I hope this helps.

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