Bank of Melbourne Amplify Platinum Credit Card (Qantas)
4.9
Highlights
- Earn 50,000 Qantas Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
- Earn 0.5 points for every $1 spent on eligible domestic and overseas purchases.
- Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
- Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes
Eligibility
Joint Application Accepted
Yes
Minimum Age
18 years
Minimum Credit Rating
Below Average, Fair, Good, Very Good, Excellent
Minimum Income
N/A
Temporary Residents Accepted
Yes
Additional cardholders
Additional Cardholders
1
Additional Card Fee Ongoing
$0.00
Credit limits
Minimum Credit Limit
$6,000.00
Maximum Credit Limit
$80,000.00
Repayments
Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
2%
Balance transfers
Balance transfer offer
Balance Transfer Rate
N/A
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A
Balance transfer conditions
Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A
Rates, fees, charges
Cash advances
Cash Advance Rate
21.99% p.a.
Cash Advance Fee
N/A
Cash Advance Fee Percentage
3%
Cash Advance Fee Threshold
N/A
Purchases
Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
20.99% p.a.
Account fees
Annual Fee Initial Year
$99.00
Annual Fee Ongoing
$124.00
Dishonour Fee
N/A
Duplicate Statement Fee
N/A
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$15.00
Rewards
Rewards program basics
Rewards Program
Amplify Qantas
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
None
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
0.50
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
0.50
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
Yes
Cardholder's International Travel Insurance
Yes
Cardholder's Interstate Flight Inconvenience
Yes
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
Yes
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
Yes
Travel and lifestyle
Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
No
Our review
Convenience
Customer service
Rates and fees
Rewards
Trust
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 earn 0.5 Qantas Points for every $1 spent on eligible purchases in Australia and overseas. Points are capped at $100,000 per year and remain valid until the account is closed.
- Sign-up bonus. Bank of Melbourne provides a signup bonus of up to 50,000 points when you spend $3000 on eligible purchases within the initial 90 days.
Rates and fees
- Annual fee. Enjoy a discounted first-year annual fee of $99 which reverts to $124 thereafter.
- Balance transfers. There is no introductory balance transfer offer on this card at the moment.
- Cash advances. This card has a cash advance rate of 21.99% p.a., which will be charged immediately from the date of the cash advance. In addition to the interest rate, the 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 20.99% p.a. for purchases made with this card.
Reviewed by Credit Card Compare Staff
History
User reviews
Convenience
Customer service
Rates and fees
Rewards
Trust
Helpful staff
Reviewed by Monica
Use it for everything to earn more points
Reviewed by Monica
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