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.
Bank of Melbourne Amplify Platinum

- Balance transfer rate for 24 months with 1% balance transfer fee
- 0% p.a.
- Bonus points
- 100,000
- Purchase rate
- 19.49% p.a.
- Reward point per $ spent
- 1
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.
Pros
-
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
Cons
-
Charges a one-time 1% balance transfer fee
-
Charges a 3% foreign transaction fee
Details
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 |
Eligibility
Available to temporary residents | Yes - Conditions apply |
Joint application | No |
Rewards
Rewards program | Amplify Rewards |
Bonus points | 100,000 |
Rewards points per $ spent | 1 |
Fees
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 |
Your reviews

Amy Finder
Editor
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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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ian
August 28, 2023
if im on pension can i get credit card..