Bank of Melbourne Amplify Credit Card | Review & Apply

Bank of Melbourne Amplify Credit Card

Offer
Card features
balance transfer
purchase rate
annual fee
Apply
Bank of Melbourne Amplify Credit Card
Apply by 02 oct 19
4 reviews
Bank of Melbourne Amplify Credit Card
0% p.a. for 14 months on purchases.
Flexibility to choose the rewards program that better suits you.
Up to 55 days on purchases.
Add to comparison
-
14 months
0% p.a.
then 19.74%
$79
ongoing

Pros & cons

What's good?

What's not so good?

0% p.a. for 14 months on purchases.
Flexibility to choose the rewards program that better suits you.
Up to 55 days on purchases.
No cap on the number of points you can earn.
Get an extra card for an additional cardholder at no extra cost.
Not the best points earning ratio for each dollar you spend for Qantas.
Disclaimer: Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

User reviews

4.4 out of 5.0 based on 4 reviews100% of reviewers would recommend this card

Rates and fees
Rewards
Customer service
Convenience
Trust

Reviews from users

Great rates and good rewards

Reviewed and recommended by Stephen on 04 Dec 2016

This card is well worth it for the bonuses and the rates offered when you have a bank account with them. The rate is quite good compared to other cards out there in the marketplace.

There are good ties into Virgin Velocity, with automatic monthly transfers.

The app is easy to use, as is the website.

Convenience, trust, and rewards

Reviewed and recommended by Philip on 26 Jun 2016

This is a great credit card from a trusted bank that earns us Qantas points at the same time. It has tap-and-go, which we love. I originally got it as part of a home loan package. Since refinancing home loans to another provider, we’ve kept this card. I’ve got a joint credit card with my wife for extra convenience. Friendly and helpful customer service

Remarkable rewards!

Reviewed and recommended by Elizabeth Byrne on 25 Sep 2015

Collecting points means collecting things we actually need and they’re free! An electric juicer for all the freshly squeezed organic oranges for my son in the mornings, iTunes vouchers for my passionate music loving partner, a new toaster when the old one burnt out, Bunnings vouchers for the ever expanding organic garden.

This credit card is mother’s little helper, or should I say spoiler!

Pretty good for a first credit card

Reviewed and recommended by amplifying on 06 Aug 2013

Pretty good for a first credit card. First months of low interest and reasonable annual fee….very flexible and handy. Didn’t like customer service phone calls a lot. I had the card for emergency but it became too accessible and handy, good tho because I chose a low limit. Good online banking too.

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
Single
Card tier
Standard
Card type
Visa
Card use
Personal
Credit rating
Any
Gambling transactions allowed
No
Joint application
Yes
Minimum age
18 years old
Minimum income
N/A
Minimum income for pensioners
Same as standard
Pensioners
Rewards program
Amplify Qantas or Amplify Rewards
Temporary residents
Yes

Cardholders

Additional cardholders
1
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
$500
Maximum credit limit
$25,000

Repayments

Interest charged from
Purchase date
Interest free period
Up to 55 days on purchases
Minimum repayment
2%

Rates & fees

Promotional interest rates

Interest ratePeriodFeeLimitRevert rate
Balance transfersN/AN/AN/AN/A N/A
Purchases0% p.a.14 monthsN/AN/A 19.74% p.a.

Ongoing interest rates

MonthlyAnnually
Cash advances 1.79% 21.49% p.a.
Purchases 1.65% 19.74% p.a.

Fees

Annual fee
$79 p.a.
Cash advance fee
2%
Dishonour fee
$9
Duplicate statement fee
$7.50
Foreign exchange fee
3%
Late payment fee
$15
Over limit fee
N/A
Overseas ATM balance fee
$0
Overseas ATM withdrawal fee
$5
Overseas emergency card replacement fee
$52.50
Transaction verification fee
$0

Rewards & points

Cool stuff you can get with your points

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

Rewards program basics

Reward points expiry
Never as long as you keep your account active
Rewards program
Amplify Qantas or Amplify Rewards
Sign up bonus
N/A
Spend required for bonus points
N/A

Earning points with this card

Frequent flyer points
0.5 pts per $1 spent
Overseas earn rate
Same as standard earn rate
Points cap per month
Unlimited
Points cap per year
Unlimited
Points earned on ATO payments
N/A
Reward points
1 pt per $1 spent

Additional benefits

Airport lounge access
No
Complimentary flight voucher
No
Concierge service
No

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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