Bank of Melbourne Amplify Signature Credit Card

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Rewards program
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Bank of Melbourne Amplify Signature Credit Card
Apply by 26 sep 18
1 review
Up to 90,000 points. Conditions Apply.
No cap on the number of points you can earn.
Every year get a birthday bonus with a 10% extra points of the total points earned in the previous year.
Add to comparison
Amplify QantasAmplify Rewards
Amplify Qantas or Amplify Rewards
0.75 pts
per $1 spent
after spend criteria

Pros & cons

What's good?

What's not so good?

Earn up to 90,000 bonus Qantas or Amplify points when you spend $4,000 within 90 days from card approval. Exclusions apply.
Every year get a birthday bonus with a 10% extra points of the total points earned in the previous year.
No cap on the number of points you can earn.
Complimentary overseas travel insurance and extended warranty insurance.
2 x complimentary airport lounge passes per year.
Exclusive Signature benefits including membership to Visa Luxury Hotel Collection.
Overseas transactions get charged a 3% foreign transaction fee of the Australian dollar value.
Not the best points earning ratio for each dollar you spend.

Our review

Our review of the Bank of Melbourne Amplify Signature Credit CardReviewed by Yvonne Taylor

Avid points collectors will no doubt give serious consideration to the Bank of Melbourne Amplify Signature Credit Card, especially since it comes with a host of benefits to tempt the sort of regular traveller who derives the greatest benefit from card points and rewards schemes. With a $279 p.a. annual fee it’s Bank of Melbourne’s most expensive card, but since it’s easy to recoup the cost of the fee in rewards points plus complimentary insurance value, there’s more than one reason to give it a try.

Huge bonus points sweeteners

This card comes with a range of juicy benefits for new cardholders. Provided you are able to spend $4,000 in 90 days of holding the card, you’ll get a liberal 90,000 bonus points credited to your rewards account.

The 90,000 points will put you well on the way to earning an economy reward flight to Europe or New York (120,000 points). Or, if you choose the Amplify Rewards program instead, they’re almost enough for $450 in retail gift cards (99,900 points).

If you’re not already a member of the Qantas Frequent Flyer program, it won’t cost you a cent to join because Bank of Melbourne will pay the $89.50 joining fee on your behalf.

Other points benefits – ongoing and temporary

St. George will help you celebrate your birthday every year with an additional 10% of the points – Amplify or Qantas – earned in the last 12 months.

You can choose between Amplify Rewards Points (1.5pts per $1 spent) or Qantas Frequent Flyer Points (0.75pts per $1 spent).

Unlike some other cards, there is no cap on the points you can earn each month.

Perks for international travellers

  • Lounge passes: Regular travellers may be lured by the fact that the Bank of Melbourne is offering two single-visit airport lounge passes every year – for Qantas lounges if you choose QFF points, and Priority Pass lounges if you prefer Amplify Rewards.
  • Overseas travel cover: International travellers will also enjoy the complimentary multi-trip overseas travel insurance provided for the cardholder and their family, every year. It includes unavoidable trip cancellation cover and car rental excess as well as the usual emergency medical expenses and personal items insurance. Activate it by using the card for at least $500 of your pre-paid travel expenses for each trip.
  • Visa Luxury Hotel Collection: Yet another traveller’s bonus is the complimentary membership of the Visa Luxury Hotel Collection (late checkout, room upgrade, free continental breakfast).
  • Concierge service: If you like to indulge in luxury travel options, you may be able to make use of the 24/7 Visa Concierge for recommendations and bookings for your accommodation and entertainment.

Further insurance cover

Other insurance cover provided free of charge with the card will prove useful even if you never leave Australia. It includes:

  • Purchase security insurance: Four months cover against loss, theft or accidental damage, for items purchased with the card.
  • Extended warranty insurance: Doubles the manufacturer’s warranty, up to a maximum of 12 months extra cover.
  • Price guarantee cover: Purchase price difference refunded if you see your item advertised at a lower price in a printed store catalogue within 21 days of buying it with the card.
  • Rental vehicle excess in Australia, not just overseas (few cards have this cover).
  • Interstate flight inconvenience cover: For flight delays, cancellation, property loss or damage.
  • Transit accident insurance: For when you travel by plane, train, bus or ferry.

The benefit of choice

Although it’s generally accepted that frequent flyer points are more cost effective than ordinary rewards program points, not everyone wishes to collect, or is able to use, QFF points. This card gives you the flexibility of deciding between QFF points and Amplify Rewards. The Amplify Rewards points, instead of being redeemed for gifts or gift vouchers, can be converted into frequent flyer points with other airlines: Virgin Velocity, Singapore Airlines Krisflyer or Malaysian Airlines Enrich miles.

Who should consider this card?

Regular international travellers will be able to extract the best value from this card, with its suite of free insurance policies, the complementary airport lounge passes, the concierge service and the hotel benefits. With an annual fee of $279 p.a., it’s less expensive than many of its competitors.

The card will also appeal to anyone who would like to flip between QFF points and a bank’s in-house rewards program, and everyone who likes the idea of a free birthday gift.

User reviews

5.0 out of 5.0 based on 1 review100% of reviewers would recommend this card

Rates and fees
Customer service

Reviews from users

Easy to use all over the world

Reviewed and recommended by Ben on 02 Dec 2016

This card is the best credit card i have ever owned. You get great customer support from the Bank of Melbourne. It’s super easy to use when travelling all over the world.

I would highly recommend this card to anyone who is looking for a rewards-based credit card. I would definitely recommend using the bank as well, in conjunction with the card

Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

The basics

About this card

Card setup
Card tier
Card type
Card use
Credit rating
Gambling transactions allowed
Joint application
Minimum age
18 years old
Minimum income
Minimum income for pensioners
Same as standard
Rewards program
Amplify Qantas or Amplify Rewards
Temporary residents


Additional cardholders
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
Maximum credit limit


Interest charged from
Purchase date
Interest free period
Up to 55 days on purchases
Minimum repayment

Rates & fees

Ongoing interest rates

Cash advances 1.69% 20.24% p.a.
Purchases 1.62% 19.49% p.a.


Annual fee
$279 p.a.
Cash advance fee
Dishonour fee
Duplicate statement fee
Foreign exchange fee
Late payment fee
Over limit fee
Overseas ATM balance fee
Overseas ATM withdrawal fee
Overseas emergency card replacement fee
Transaction verification fee

Rewards & points

Cool stuff you can get with your points

Disclaimer: Points required accurate as of the 31st March 2018.

Rewards program basics

First purchase bonus
90,000 points
Reward points expiry
Never as long as you keep your account active
Rewards program
Amplify Qantas or Amplify Rewards
Spend required for bonus points
$4,000 in 90 days

Earning points with this card

Frequent flyer points
0.75 pts per $1 spent
Overseas earn rate
0.75 pts per $1 spent (QFF)
Points cap per month
Points cap per year
Points earned on ATO payments
Reward points
1.5 pts per $1 spent

Additional benefits

Airport lounge access
Complimentary flight voucher
Concierge service

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Earn a regular any weekly income
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Joint applications are allowed
Temporary residents are eligible
Age Pension, Disability Pension and Widower's Pension are acceptable.
Family Tax Benefits and Parenting Payments is acceptable.
Austudy, Carer's Allowance, Child Support Payments and Foster Care Allowance are not acceptable.
Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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