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Bank of Melbourne Amplify Signature Credit Card – Rates and Fees

Receive 90,000 bonus Amplify Points or Qantas Points when you apply by 26 September 2018 and meet the spend requirement.

BoM Amplify Signature comes with a range of benefits, offering 90,000 bonus Qantas or Amplify Points when you apply by 26 September 2018 and spend $4,000 on eligible purchases within 90 days. In addition to the bonus points, the BoM Amplify Signature card is packed with perks for travellers and points collectors alike.

The credit card also comes with complimentary airport lounge passes for two every year, a personal concierge service, premium insurance covers and much more.

Product NameBank of Melbourne Amplify Signature
Rewards ProgramAmplify Rewards / Qantas Frequent Flyer
Purchase rate (p.a.)19.49% p.a.
Offer end date26 September 2018
Annual fee$279 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 55 days on purchases
Cash advance rate (p.a.)20.24% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$15,000
Max credit limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$80,000
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Complimentary Travel InsuranceYes
Minimum Age18 years of age
Available To Temporary ResidentsYes - Conditions apply
Joint ApplicationYes
Annual fee$279 p.a.
Minimum Monthly Repayment2% or $10, whichever is greater
Late Payment Fee$15
Cash Advance Fee2%
Overseas Cash Advance Fee2% of the value of the transaction or minimum charge of $2.50
Foreign Currency Conversion Fee
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You'll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3%
of transaction value
Gambling Transactions AllowedYes
Additional Cardholder Fee$0
Number of Additional Cardholders1
Rewards ProgramAmplify Rewards / Qantas Frequent Flyer
Bonus Points90,000 bonus points
Rewards Points per $ spent (VISA/MC)0.75
Rewards Points per $ (VISA/MC) CapUncapped

Bank of Melbourne Amplify Signature Credit Card review

The Bank of Melbourne Amplify Signature Credit Card gives new applicants a chance to enjoy bonus Qantas or Amplify Points, two complimentary lounge passes per year, bonus points opportunities and complimentary insurance covers.

Check out the full list of features and applicable fees to determine if the credit card is a valuable option for your needs.

Benefits of the Bank of Melbourne Amplify Signature Credit Card

  • Bonus points. Enjoy 90,000 bonus Amplify or Qantas Points when you apply by 26 September 2018, are approved for a BoM Amplify Signature Credit Card and spend $4,000 on eligible purchases within the first 90 days from card approval.
  • Amplify Rewards Program. With the Amplify Signature Card, you earn 1.5 points for every dollar spent on eligible purchases in Australia and overseas, uncapped.
  • Amplify Qantas Rewards Program. If you choose Amplify Qantas Rewards, your reward points are transferred to your Qantas Frequent Flyer account which means that you need to be a member of the program. You will earn 0.75 points for each dollar spent in Australia and overseas, uncapped. Plus, double points with Qantas Frequent Flyer Program partners.
  • Airport lounge passes. If you choose Amplify Rewards, you will receive 2 Priority Pass lounge visits per year when you enrol online. If you choose Qantas Points, you will be able to take advantage of 2 Qantas Lounge passes per year.
  • Overseas travel insurance. This travel insurance is eligible for persons up to the age of 80 years. It covers the cardholder, spouse and dependent children. The insurance policy is provided when the cardholder pays for return tickets and prepaid travel costs worth $500 using the credit card. Also available is a transit accident insurance policy.
  • Purchase security insurance. Purchase security insurance covers personal goods that have been purchased using the Signature Amplify card anywhere in the world. This insurance policy covers against accidental damage, loss and theft.
  • Extended warranty insurance. Extended warranty insurance is simply an extension of the Australian warranty and this is applied when the goods purchased have a warranty of fewer than 5 years.
  • Price guarantee cover. The cardholder is entitled to get the best rate and they can claim a refund on the price difference if an item they purchased is sold at a cheaper rate within a radius of 25km. This cover is valid for 21 days.

Features of the BoM Amplify Signature Credit Card

The Amplify Signature Credit Card has various beneficial features available for cardholders, some of these include:

  • Annual fee. This card charges an annual fee of $279.
  • Interest rate. The standard variable purchase rate of the Amplify Signature is 19.49% p.a.
  • Interest-free period. When you pay your statement balance in full, you can take advantage of up to 55 days interest-free on purchases.
  • Foreign transaction fee. If you use this card overseas or online with international merchants, you will be charged a 3% foreign currency conversion fee.
  • Additional cardholder. Get an additional cardholder for $0.

How to apply for the BoM Amplify Signature Credit Card

You can apply for the BoM credit card online in just 15 minutes. If you already hold an account with the bank, your online banking credentials will pre-populate the application form.

Eligibility criteria

You can find the application criteria in the table below. To apply for the credit card, you will need to be:

  • An Australian resident
  • 18 years and above

Required documents

The following information is required to proceed with your application:

  • Your driver's license number (if available)
  • Income details (after tax)
  • Details of your savings, investments or assets
  • Liabilities
  • Tax information

You can save your application and complete it within a period of 30 days. If you wish to update your personal details as an existing account holder, you need to get in touch with the bank's customer care to make changes. Complete the online application to apply for this card.

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4 Responses

  1. Default Gravatar
    SarahMarch 13, 2018

    Hi There,

    Just wondering if anyone knows whether it is ok to do the Qantas bonus points offers across St George, Bank of Melbourne? I read the fine print and it’s not excluded specifically, but only now refers to “Amplify” program so not sure if this is across their entire group.

    Thanks!

    • Staff
      JeniMarch 13, 2018Staff

      Hi Sarah,

      Thanks for getting in touch with finder.

      Since you are enquiring about earning Qantas bonus points if not an Amplify Signature Credit Card user, you can also refer to this link https://www.finder.com.au/credit-cards/bank-of-melbourne-credit-cards. As you can read from the said page, cards which are not Amplify are not earning Qantas bonus points. You can see them when you look at the table to compare the credit cards and check under Rewards Program tab.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Jeni

    • Default Gravatar
      March 13, 2018

      Hi jeni,

      Thanks for your reply. My question was more linked to whether you can have both the st George amplify qantas card and also the bank of Melbourne amplify Qantas card and they be considered separate and therefore you could get both 90,000 sign up bonuses if you had both cards.

      Thanks

    • Staff
      JeniMarch 16, 2018Staff

      Hi Sarah,

      Yes. You could get 90,000 points each on both new cards.
      Please see links for your reference BOM https://www.finder.com.au/bank-of-melbourne-amplify-signature-credit-card and St. George https://www.finder.com.au/st-george-amplify-signature-qantas

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Jeni

Credit Cards Comparison

Rates last updated June 18th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
American Express Westpac Altitude Platinum Bundle - Qantas - Exclusive Offer
20.24% p.a.
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
Up to 90,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).
HSBC Platinum Credit Card
19.99% p.a.
0% p.a. for 22 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($129 p.a. thereafter)
Offers a 0% p.a. for 22 months balance transfer, $0 annual fee for the first year and an annual fee refund each year when you spend $6,000.
NAB Low Fee Card
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$30 p.a.
Receive complimentary purchase protection insurance, a 18 month balance transfer offer and special offers from Visa Entertainment.
Citi Platinum Credit Card - 100k Bonus Points
20.99% p.a.
0% p.a. for 15 months with 1% balance transfer fee
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 100,000 reward Points, enjoy a long-term balance transfer offer, a discounted first year annual fee and complimentary travel insurance.

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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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