[Skip to main content](#content) [Skip to main navigation](#main-nav) Skip to accessibility page [Skip to search input](#search) [Rewards Cards chevron-left viewBox="0 0 18 30" style="enable-background:new 0 0 18 30;" xml:space="preserve">](https://www.bankofmelbourne.com.au/personal/credit-cards/rewards) # Amplify Rewards Platinum Amplify Rewards Platinum Our mid-tier credit card that lets you earn Amplify Points * [Quick snapshot](#snapshot) * [Special offer](#offers) * [Why?](#why) * [Key rates & fees](#rates) * [Before you apply](#beforeyouapply) Jump to * [Quick snapshot](#snapshot) * [Special offer](#offers) * [Why?](#why) * [Key rates & fees](#rates) * [Before you apply](#beforeyouapply) Apply now * [Already with us? Sign in to apply ](https://www.cmsservices.bankofmelbourne.com.au/app/banking/action?ActionType=wdpui&context=Logon&targetpath=https%3A%2F%2Fwww.ui.bankofmelbourne.com.au%2Forigin%2Fetb0%2Fcontent%2Fproducts%2Fcredit-cards%2Famplify-platinum-rewards%2Fsummary%3FpromoCode%3DRRBX5&webfallback=https%3A%2F%2Fibanking.bankofmelbourne.com.au%2Fmb%2F%3FActionType%3Damplify-platinum-rewards%26promoCode%3DRRBX5 "Already with us? Sign in to apply") * [Not yet with us? Apply here](https://www.bankofmelbourne.com.au/personal/credit-cards/rewards/amplify-platinum/summary "Not yet with us? Apply here") Apply now * [Already with us? Sign in to apply ](https://ibanking.bankofmelbourne.com.au/ibank/?actionType=amplify-platinum-rewards&promoCode=RRBX5 "Already with us? Sign in to apply") * [Not yet with us? Apply here](https://www.bankofmelbourne.com.au/personal/credit-cards/rewards/amplify-platinum/summary "Not yet with us? Apply here") Info ### Important notice From **22 August 2025**, there will be changes to how you earn Points on your Amplify Rewards Credit Card. [Find out more](https://www.bankofmelbourne.com.au/personal/credit-cards/rewards-changes). ## Quick snapshot #### Earn Amplify Points with every eligible purchase, and enjoy a range of complimentary insurances. ![Bank of Melbourne Amplify Rewards Platinum credit card](/content/dam/bom/images/Personal/Credit%20Card/BOM-Amplify-Platinum-Card-Art-588x300.png) | **$124** | Annual card fee | | ------------------- | ------------------------------------------- | | **1 Amplify Point** | Per dollar on eligible purchases – uncapped | | **20.99% p.a.** | Variable interest rate on purchases | | **Up to 55 days** | Interest free on purchases | | **$6,000** | Minimum credit limit | New cards only. See below for standard rates and fees. ## Amplify Rewards Platinum offer --- ### Up to 120K ### BonusAmplify Points 90,000 Amplify Points in year 1 if you spend $3k+ on eligible purchases within 90 days of new card approval and an extra 30,000 points after your first eligible purchase in year 2\. Plus, a $99 first year card fee (reverts to $124 p.a. thereafter). **Already with Bank of Melbourne? Sign in to apply for a $49 first year card fee (reverts to $124 p.a. thereafter).** Offer not available if you’ve held a Bank of Melbourne, St.George or BankSA rewards card in the last 24 months. New cards only. T&Cs Apply. [Already with us? Sign in to apply ](https://ibanking.bankofmelbourne.com.au/ibank/?actionType=amplify-platinum-rewards&promoCode=RRBX5)[Already with us? Sign in to apply ](https://www.cmsservices.bankofmelbourne.com.au/app/banking/action?ActionType=wdpui&context=Logon&targetpath=https%3A%2F%2Fwww.ui.bankofmelbourne.com.au%2Forigin%2Fetb0%2Fcontent%2Fproducts%2Fcredit-cards%2Famplify-platinum-rewards%2Fsummary%3FpromoCode%3DRRBX5&webfallback=https%3A%2F%2Fibanking.bankofmelbourne.com.au%2Fmb%2F%3FActionType%3Damplify-platinum-rewards%26promoCode%3DRRBX5)[Not yet with us? Click here to apply](https://www.bankofmelbourne.com.au/personal/credit-cards/rewards/amplify-platinum/summary)[Not yet with us? Click here to apply](https://www.bankofmelbourne.com.au/personal/credit-cards/rewards/amplify-platinum/summary) # What is Amplify Rewards? The Bank of Melbourne Amplify Rewards program offers flexibility in how you can use your points. For starters, the points you earn never expire, giving you as much time as needed to build your balance. When you are ready to redeem, you can choose from merchant gift cards, travel options, shopping at our own online store - you can even transfer them to one of our transfer partner reward programs and partner airline frequent flyer programs or donate to one of our listed charities. The choice is yours. For example, 11,100 Amplify Points currently gets you a $50 e-gift card from a range of merchants such as David Jones, Myer, JB Hi-Fi, Bunnings and others. ![Bank of Melbourne Amplify Rewards](/content/dam/bom/images/Personal/Credit%20Card/BOM-Amplify-Platinum-Redemption-588x196.png) ## Why you'll love the Amplify Rewards Platinum card ### Amplify Points Earn 1 point for every dollar spent on eligible purchases – uncapped. ### Complimentary Insurances Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 3 months' complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance. (terms, conditions, exclusions and eligibility criteria apply). ### Shop through ShopBack. Get Cashback. Link and pay with your eligible Bank of Melbourne credit card to get exclusive bonus Cashback when you shop on the new Bank of Melbourne Lounge on the [ShopBack app](https://www.bankofmelbourne.com.au/online-services/shopback). ![](/content/dam/bom/images/Personal/credit-cards/BOM_home_everyday_rewards_sep_1844x790.jpg) ## Put a 'yay' in Everyday Turn your Amplify points into Everyday Rewards points and get more value at the checkout. [Learn more](https://www.bankofmelbourne.com.au/personal/credit-cards/everydayrewards) _Eligibility, min and max points transfer and T&Cs apply._ ## Other reasons to choose [Visa Luxury hotels](#accordion-STABLE-1) Access to Visa’s Luxury Hotel Collection, giving you the best available rate guarantee and upgrade benefits when available. [Up to 55 days interest-free](#accordion-STABLE-2) That’s more time to pay your purchase balance and avoid interest charges on your purchases. The interest-free days don’t cover cash advances. [Complimentary additional cardholder](#accordion-STABLE-3) Add a second cardholder (16 or over) for free, while keeping all the spend and points on the one account. And your points balance will grow even faster. Additional cardholders cannot redeem rewards. [Secure ways to pay](#accordion-STABLE-4) Make purchases with your smartphone using your choice of mobile wallet, including [Apple Pay](https://www.bankofmelbourne.com.au/online-services/ways-to-pay/apple-pay), [Google Pay](https://www.bankofmelbourne.com.au/online-services/ways-to-pay/google-pay) and [Samsung Pay](https://www.bankofmelbourne.com.au/online-services/ways-to-pay/samsung-pay). [Fraud protection](#accordion-STABLE-5) Feel confident using our cards, with 24/7 [fraud monitoring](https://www.bankofmelbourne.com.au/online-services/security-centre/we-protect-you/our-security-measures), [Secure Online Shopping Service](https://www.bankofmelbourne.com.au/online-services/security-centre/protect-yourself/secure-online-shopping), and the Bank of Melbourne [Fraud Money Back Guarantee](https://www.bankofmelbourne.com.au/online-services/security-centre/protect-yourself/fraud-money-back-guarantee). [Access to My Offers Hub](#accordion-STABLE-6) A space filled with [offers and benefits](https://www.bankofmelbourne.com.au/online-services/my-offers-hub) to make your life a little sweeter, every single day. [Visa Offers and Perks](#accordion-STABLE-7) When you’re with Visa, you also get access to [discounts and offers](https://www.visa.com.au/en%5Fau/visa-offers-and-perks/) that can be personalised to your own taste. [Useful tools](#accordion-STABLE-8) Manage your repayments with options like [Plan&Pay](https://www.bankofmelbourne.com.au/personal/credit-cards/manage/plan-and-pay), [Autopay](https://www.bankofmelbourne.com.au/personal/credit-cards/manage/autopay), [SMS and email alerts](https://www.bankofmelbourne.com.au/online-services/internet-banking/sms-email-alerts) and more. ![](/content/dam/bom/images/Personal/Credit%20Card/bom-fc-p-credit-cards_rewards_amplify-platinum_290x475.jpg) ## Key rates and fees #### | $124 | annual card fee | | ------ | ----------------------------------------------------------------------------- | | 20.99% | p.a. variable interest rate on purchases | | 21.99% | p.a. variable cash advance interest rate | | $15 | fee applied for each late payment or missed payment | | 3% | of each cash advance amount | | 3% | of the Australian dollar value for transactions with merchants based overseas | New cards only. Fees and rates are subject to change. Read our [credit card key facts sheet](https://www.bankofmelbourne.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet). ## Before you apply Check whether you’re more likely to be approved [Check whether you’re more likely to be approved](#accordion-STABLE-1) * Aged 18 or over * Australian or New Zealand citizen * Or hold an acceptable Australian visa, with a minimum of 1 year before expiry * Have a fixed residential address in Australia * Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed) * You’re up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.) [Review your credit history](#accordion-STABLE-2) You’ll be assessed on your ability to repay the money you borrow. Three things you can do to help: 1\. Make sure you’re meeting your current repayment obligations for \- other credit cards or loans (including lenders such as afterpay and zip pay) \- rent as well as utilities such as your phone, internet and electricity. 2\. Check the details on your credit report are correct before applying. Head to [CreditSmart.org.au](https://www.creditsmart.org.au/) and follow the links to a free credit report. [More about credit reports](https://www.bankofmelbourne.com.au/online-services/security-centre/we-protect-you/comprehensive-credit-reporting "Credit reports"). 3\. Don’t make multiple applications (with us or any other lender). Every application is listed as an enquiry on your credit report. Too many can be seen as a red flag and reduce your chances of approval. [What you’ll need](#accordion-STABLE-3) * An Australian mobile number (have your mobile handy as we’ll be sending you verification codes) * At least two forms of ID * Australian driver licence, Medicare card, Passport, Australian birth certificate * Foreign tax identification number (if you’re a tax resident of another country) * Current debts * Home loan, personal loans, other credit or store cards as well as instalment purchases like Zip Pay * If you want to transfer the balance of another credit card, you’ll need to include those other cards in your application (even if you intend to close them after the balances are transferred) * Regular monthly expenses * Frequent flyer number (if applying for an Amplify Qantas Platinum or Amplify Qantas Signature card) Sometimes, we might need more information and will ask you to provide certain documents. We’ll let you know at the end of your application which (if any) documents are required. These may be documents for: * Proof of income * Such as recent payslips, Government statements, rental income proof. For self-employed, recent business bank statements and previous ATO Notice of Assessment * Confirmation of the closure of any debts * Visa and residency status. ## Not right? Try these [ Amplify Qantas Platinum Our mid-tier credit card for Qantas Points lovers chevron-left viewBox="0 0 18 30" style="enable-background:new 0 0 18 30;" xml:space="preserve"> ](https://www.bankofmelbourne.com.au/personal/credit-cards/frequent-flyer/amplify-platinum) ![](/content/dam/bom/images/Personal/Credit%20Card/bom-nr-p-credit-cards_rewards_amplify-platinum_580x748.jpg) [ Amplify Rewards Signature Our top-tier credit card that lets you earn Amplify Points chevron-right viewBox="0 0 18 30" style="enable-background:new 0 0 18 30;" xml:space="preserve"> ](https://www.bankofmelbourne.com.au/personal/credit-cards/rewards/amplify-signature) [View all cards](https://www.bankofmelbourne.com.au/personal/credit-cards) ### Help me choose Use our selector to find a card that’s right for you. [ Let's begin](https://www.bankofmelbourne.com.au/personal/credit-cards/help-me-choose) [ Let's begin](https://www.bankofmelbourne.com.au/personal/credit-cards/help-me-choose) ### Compare cards Use our compare cards tool so that you feel confident in your decision. [ Get started](https://www.bankofmelbourne.com.au/personal/credit-cards/compare-credit-cards) [ Get started](https://www.bankofmelbourne.com.au/personal/credit-cards/compare-credit-cards) ### Offer hub Make the most of a Bank of Melbourne credit card with these amazing offers. [ Browse offers](https://www.bankofmelbourne.com.au/personal/credit-cards/credit-card-offers) [ Browse offers](https://www.bankofmelbourne.com.au/personal/credit-cards/credit-card-offers) ##### ##### The Detail [Key Facts Sheet](https://www.bankofmelbourne.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet?appAction=exit) [ PDF-file Credit Card Terms and Conditions (PDF 268KB)](https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/credit-cards/bom%5Fcredit%5Fcard%5Fterms%5Fand%5Fconditions.pdf?appAction=exit) [ PDF-file Amplify Terms and Conditions (PDF 124KB)](https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/credit-cards/bom%5Famplify%5Fterms%5Fand%5Fconditions.pdf?appAction=exit) [ PDF-file Credit Card Accounts Fees and Charges (PDF 72KB)](https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts%5Fand%5Fcards/bom-cc-fee-charges.pdf?appAction=exit) [ PDF-file Credit Card Complimentary Insurance Terms and Conditions (PDF 339KB)](https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts%5Fand%5Fcards/BOM%5FConsumer%5FCredit%5FCard%5FComplimentary%5FInsurance%5FAllianz.pdf?appAction=exit) Conditions, fees and credit criteria apply. Standard rates and fees applicable for new cards. May not apply for existing credit card accounts. This card is issued as a Visa card. Before making a decision read the Terms and Conditions and consider if the product is right for you. Switches, upgrades, or Westpac Group staff are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion. **