Bank of Melbourne Amplify Platinum

Offers 130,000 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 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 24 February 2022, you’ll earn 130,000 bonus Amplify Points by spending $3,000 in the first 90 days.

0% p.a.

Balance transfer rate

for 24 months with 1% balance transfer fee


Bonus points

19.49% p.a.

Purchase rate


Reward point

Per $ spent

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Product NameBank of Melbourne Amplify Platinum
Rewards programAmplify Rewards
Balance transfer rate0% p.a. for 24 months with 1% balance transfer fee
Balance transfer revert rateCash Advance Rate (21.49% p.a.)
Balance transfer limit80% of available limit
Purchase rate19.49% p.a.
Annual fee$49 annual fee for the first year ($99 p.a. thereafter)
Interest-free periodUp to 55 days on purchases
Cash advance rate21.49% p.a.
Min credit limit$6,000
Max credit limit$80,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • 130,000 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
Rewards programAmplify Rewards
Bonus points130,000
Rewards points per $ spent1
Annual fee$49 annual fee for the first year ($99 p.a. thereafter)
Minimum monthly repayment2% of the closing balance or $10, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%
Cash advance fee3%
Overseas cash advance fee2%
Additional cardholder fee$0
Number of additional cardholders1

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Bank of Melbourne Amplify Platinum currently has a competitive bonus points offer, which you could use to get Woolworths WISH eGift cards, retail items through the Amplify Rewards website or 65,000 frequent flyer points with Velocity Frequent Flyer or Singapore Airlines KrisFlyer.

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 130,000 bonus Amplify Points if you apply for a Bank of Melbourne Amplify Platinum card by 24 February 2022, 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 $99 p.a. thereafter). This offer is valid until 24 February 2022.

Rates & fees

  • Annual fee. Outside of any promotions, this card charges an annual fee of $99.
  • Purchase rate. This card charges a 19.49% p.a. variable interest rate on purchases.

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