Bank of Melbourne Amplify Platinum Credit Card (Qantas)

The basics

• Additional cardholders. You can add up to 1 additional cardholder for free. You will be responsible for the account's management and any repayments.
• Digital wallets. This card is compatible with Apple Pay, Google Pay, and Samsung Pay.
• Gambling transactions. Gambling transactions are not allowed on the Bank of Melbourne Amplify Platinum Credit Card (Qantas).

Rewards and benefits

• Complimentary travel insurance. Complimentary international travel insurance is available with the Bank of Melbourne Amplify Platinum Credit Card (Qantas). To activate the cover, the card must have been used to pay for travel costs related to your trip before you leave.
• Concierge services. The Bank of Melbourne Amplify Platinum Credit Card (Qantas) does not come with access to a concierge service.
• Rewards points. Bank of Melbourne Amplify Platinum Credit Card holders can earn 0.5 Qantas Points per $1 spent on eligible purchases in Australia, and 1 Qantas Point per $1 spent overseas. Points earned are uncapped and do not expire until the account is closed.
• Sign-up bonus. Bank of Melbourne provides a signup bonus of up to 60,000 points when you spend $3000 on eligible purchases within the initial 90 days. Additionally, earn an extra 10,000 points after your first eligible purchase in the second year.

Rates and fees

• Annual fee. Enjoy a discounted first-year annual fee of $99 which reverts to $124 thereafter.
• Balance transfers. This credit card offers a balance transfer with 0% p.a. for 24 months from account opening, with a 1% balance transfer fee. After the introductory period, the revert rate of 21.49% p.a will apply to any remaining balance. Balance transfers are not available from personal loans or cash advances and cannot exceed 80% of your approved credit limit.
• Cash advances. This card has a cash advance rate of 21.49% p.a., which will be charged immediately from the date of the cash advance. In addition to the interest rate, Bank of Melbourne will charge a one-off fee to process any cash advances made with this card.
• Foreign exchange fee. Transactions made in a foreign currency will be subject to a 3% foreign transaction fee.
• Interest-free period. This card offers up to 55 days interest-free on purchases (except cash advances). To qualify, you must have paid off your previous balance or made the minimum required payment.
• Purchases. This card does not have any introductory offer on purchases. Cardholders will pay an interest of 19.49% p.a. for purchases made with this card.