[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">](/personal/credit-cards/rewards) # Amplify Platinum Card Amplify Platinum Card Our platinum credit card has a lower annual fee and the ability to earn points. Enjoy travel related benefits designed to make your journey safe and convenient. * [Special offer](#offers) * [Why?](#why) * [Key rates & fees](#rates) * [Before you apply](#beforeyouapply) Jump to * [Special offer](#offers) * [Why?](#why) * [Key rates & fees](#rates) * [Before you apply](#beforeyouapply) Info ### Important notice From **30 September 2026**, we’re making changes to some Bank of Melbourne Credit Card fees and rates, including updates to the Rewards points program. [Find out more](/personal/credit-cards/credit-card-changes). ![Bank of Melbourne Amplify Rewards Platinum credit card](/content/dam/bom/images/Personal/Credit%20Card/BOM-Amplify-Platinum-Card-Art-588x300.png) ## Why choose an Amplify Platinum card? | **20.99% p.a.** | Variable interest rate on purchases | | ----------------- | ----------------------------------- | | **Up to 55 days** | Interest free on purchases | | **$6,000** | Minimum credit limit | See below for standard rates and fees. ## Choose your Amplify Rewards Program Choose to earn Amplify Rewards points if you want the flexibility of redeeming your points on a range of gift cards, travel, saving on groceries and more. If you prefer to earn Qantas Points straight to your Frequent Flyer account each month, select Amplify Qantas. __Amplify Rewards Platinum__ | Amplify Rewards Platinum **Special offer:** Earn up to 100,000 bonus Amplify Points plus a $99 first year card fee (reverts to $175 p.a. thereafter) . **Already with Bank of Melbourne?** Sign in to apply and get a $49 first year card fee (reverts to $175 p.a. thereafter) . New cards only. **Card features** $0 annual Rewards Program Fee 2 Amplify points per $1 on international spend 1.25 Amplify points per $1 on everyday spend 1 Amplify point per $1 spend on all other purchases Once you spend $5,000 in a statement cycle, you will earn 0.5 Amplify points per $1 on further eligible purchases **Plus extra benefits** Bank of Melbourne Bonus Cashback on [ShopBack](/online-services/shopback) Complimentary insurances Discounted gift cards and special deals on the [My Offers Hub](/online-services/my-offers-hub) | | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | [ Not yet with us? ](/personal/credit-cards/rewards/amplify-platinum/summary) [ Not yet with us? ](/personal/credit-cards/rewards/amplify-platinum/summary) [ 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) | __Amplify Qantas Platinum__ | Amplify Qantas Platinum **Special offer:** Earn up to 100,000 bonus Qantas Points— 70,000 Qantas Points in year 1 if you spend $4k+ on eligible purchaseswithin 90 days of new card approval and an extra 30,000 points with $4k+ spend on eligible purchaseswithin 90 days of card anniversary in year 2\. New cards only. **Already with Bank of Melbourne?** Sign in to apply and get a $99 first year card fee (reverts to $175 p.a. thereafter). A $75 annual Qantas Rewards Program fee still applies. New cards only. **Card features** $75 annual Qantas Rewards Program fee 0.75 Qantas Points per $1 on international spend 0.5 Qantas Points per $1 on everyday spend 0.35 Qantas Points per $1 spend on all other purchases Earn more Qantas Points when making a purchase with Qantas partners including Woolworths and BP Once you spend $5,000 in a statement cycle, you will earn 0.2 Qantas Points per $1 on further eligible purchases **Plus extra benefits** 'Double dip' for more Qantas Points Bank of Melbourne Bonus Cashback on [ShopBack](/online-services/shopback) Complimentary insurances Discounted gift cards and special deals on the [My Offers Hub](/online-services/my-offers-hub) | | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | [ Not yet with us? ](/personal/credit-cards/frequent-flyer/amplify-platinum/summary) [ Not yet with us? ](/personal/credit-cards/frequent-flyer/amplify-platinum/summary) [ Already with us? Sign in to apply ](https://ibanking.bankofmelbourne.com.au/ibank/?actionType=amplify-platinum-qantas&promoCode=RRBA1) [ 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-qantas%2Fsummary%3FpromoCode%3DRRBA1&webfallback=https%3A%2F%2Fibanking.bankofmelbourne.com.au%2Fmb%2F%3FActionType%3Damplify-platinum-qantas%26promoCode%3DRRBA1) | ### What kind of businesses are included in the new 'everyday spend' category? Our 'everyday spend' category consists of 5 sub-categories: supermarkets, department stores, petrol stations, dining and utilities. Below is a list of examples of merchants included in these 5 categories: * **Supermarkets** include stores such as Woolworths, Coles, IGA, Harris Farm and ALDI * **Department stores** include stores such as Kmart, Target, Big W, David Jones and Myer * **Petrol stations** include stores such as 7-Eleven, Shell, Ampol, Caltex and BP * **Dining** includes restaurants, cafes, fast food, bars, hotels and entertainment venues * **Utilities** include payments for water, gas, electricity, internet, mobile and streaming services (excluding BPAY® payments). ## Why you'll love the Amplify Platinum card ### Amplify Points Earn up to 2 Amplify points per $1 spent on eligible purchases , when you select Amplify Rewards Earn up to 0.75 Qantas Points per $1 spent on eligible purchases, when you select Qantas Rewards ### 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](/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](/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](/online-services/ways-to-pay/apple-pay), [Google Pay](/online-services/ways-to-pay/google-pay) and [Samsung Pay](/online-services/ways-to-pay/samsung-pay). [Fraud protection](#accordion-STABLE-5) Feel confident using our cards, with 24/7 [fraud monitoring](/online-services/security-centre/we-protect-you), [Secure Online Shopping Service](/online-services/security-centre/protect-yourself/secure-online-shopping), and the Bank of Melbourne [Fraud Money Back Guarantee](/online-services/security-centre/we-protect-you). [Access to My Offers Hub](#accordion-STABLE-6) A space filled with [offers and benefits](/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](/personal/credit-cards/manage/plan-and-pay), [Autopay](/personal/credit-cards/manage/autopay), [SMS and email alerts](/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) ## Rates, minimum requirements and fees [Rates](#accordion-STABLE-1) Variable purchase rate – **20.99% p.a.** Variable cash advance rate – **21.99% p.a.** [Minimum requirements](#accordion-STABLE-2) Minimum credit limit - **$6,000** [Fees](#accordion-STABLE-3) | Annual card fee | **$175** | | ------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | Annual rewards program fee for Qantas | **$75** | | Foreign transaction fee | **3%** Payable as a percentage of the Australian dollar value of any foreign transaction. Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. | | Cash advance fee | **3.5%** of the value of the transaction will apply to each cash advance made on your card account. These charges will appear on your credit card statement directly below the relevant cash advance. | | Missed payment fee | **$20** each statement cycle that the minimum monthly payment is not paid by the statement due date. | New cards only. Fees and rates are subject to change. Read our [credit card key facts sheet](/personal/credit-cards/tools/credit-card-key-facts-sheet). ### Looking for something else? Our premier credit card offers the highest earn rate for rewards points. Enjoy exclusive extras like lounge passes, travel insurance and concierge support. [ Amplify Signature Card ](/personal/credit-cards/rewards/amplify-signature) [ Amplify Signature Card ](/personal/credit-cards/rewards/amplify-signature) ## 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 **AND** * Live at a fixed Australian address **AND** * Receive a regular and verifiable Australian taxable income **AND** * Meet ONE of the following three requirements: * Be an Australian or New Zealand citizen **OR** * Be an Australian permanent resident **OR** * Hold a valid temporary residence visa with a minimum of 1 year before expiry. See [ PDF-file eligible Australian Visa (PDF 618KB)](/content/dam/bom/downloads/personal/credit-cards/bom-eligible-australian-visa-list.pdf) [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. ### Help me choose Use our selector to find a card that’s right for you. [ Let's begin](/personal/credit-cards/help-me-choose) [ Let's begin](/personal/credit-cards/help-me-choose) ### Compare cards Use our compare cards tool so that you feel confident in your decision. [ Get started](/personal/credit-cards/compare-credit-cards) [ Get started](/personal/credit-cards/compare-credit-cards) ### Offer hub Make the most of a Bank of Melbourne credit card with these amazing offers. [ Browse offers](/personal/credit-cards/credit-card-offers) [ Browse offers](/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 144KB)](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. **