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Bank of Melbourne Amplify Classic

The details shown below are for a card with Amplify Rewards

The details shown below are for a card with Qantas Frequent Flyer

Choose the version of this credit card that suits you best

  • Amplify Classic (Amplify Rewards)

    Rewards: Amplify Rewards

  • Amplify Classic (Qantas Frequent Flyer)

    Rewards: Qantas Frequent Flyer

Purchase rate
19.74% p.a.
Balance transfer rate
6.99% p.a. for 12 months and then 21.49% p.a.
Annual fees
$79
Interest free days on purchases
55
Purchase rate
19.74% p.a.
Balance transfer rate
6.99% p.a. for 12 months and then 21.49% p.a.
Annual fees
$79
Interest free days on purchases
55

Mozo editorial review Bank of Melbourne Amplify Classic

Last updated: 2 July 2020.

binocular icon
What's hot
  • No cap on points
  • Low $79 annual fee
  • 55 interest free days
What's not
  • 21.49% p.a. cash advance rate (2% cash advance fee)
Mozo snapshot

With uncapped points earning potential, the Bank of Melbourne’s Amplify Classic credit card is a top low cost option that will put a smile on the face of anyone looking to earn Amplify points or Qantas points through their card. 

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Key features

Do you love earning points for making everyday purchases? Well then, the Amplify Classic credit card from the Bank of Melbourne could be the card for you, with an uncapped earnings the sky's the limit! 

With the card, you can opt to earn either Amplify rewards points or Qantas Frequent Flyer points. With Amplify you can earn 1 point for every per dollar, while with Qantas you earn 0.5 points rate for every dollar you spend. However, you’ll even be able to earn double points when you make purchases with Qantas Frequent Flyer Program partners.

While the card comes with a low $79 annual fee, just be mindful of the 19.74% purchase rate and 21.49% cash advance rate (2% cash advance fee). The card also features a 55 day interest free period for you to pay off any purchases (so long as you pay your balance in full each month), though it’s a good idea to keep on top of your purchases to avoid the purchase rate.

Fancy taking the Amplify Classic credit card with you on your next holiday? As part of the Visa network you’ll be able to use it at millions of outlets worldwide, but just watch out for the 3% foreign exchange margin if you do use it overseas.

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Who is it good for

With its low annual fee, the Bank of Melbourne Amplify Classic credit card could be a good choice for anyone looking for a low cost way to earn Amplify or Qantas points.

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Any catches

Steer clear of the ATM, as cash withdrawals will be charged interest at the high 21.49% p.a. cash advance rate and a 2% cash advance fee on top. 


Also be sure to set up an automatic payment plan o this card as there is a $15 late payment fee if you miss a minimum repayment. 

Rewards program details

Rates and fees information correct as at 25 September 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
What your points get you

Fly Sydney to London return

212,000 points

Fly Sydney to Melbourne one-way

-

$100 Giftcard

22,200 points

$100 Cash

18,000 points

Points earning

1 point per dollar on Visa, uncapped

Rewards scheme

Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.

You can get flights via Enrich or KrisFlyer programs.

Value of rewards points

Spend $18,182 (Visa)

Spend $22,200 (Visa)

Spend $212,000 (Visa)

Uncapped

Never

How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,

  • figure out how many flights or gift cards or cashback credits you could get for those points,

  • work out what that's actually worth to you,

  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.

  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.

  • In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.

  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.

  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.

  • Shopping rewards are based on $100 gift cards from a major national department store.

  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Close

Rate and fee details

Rates
  • 19.74% p.a.

  • none

  • 6.99% p.a. for 12 months and then 21.49% p.a.

  • yes

  • 21.49% p.a.

  • 55

Fees
  • $79.00

  • none

  • none

  • none

  • $15.00

  • 2%, Min $2.50

  • 3.00%

  • $2.00

  • $10.50

  • $0.00

Features
  • $10.00

  • 2.0

  • 1

  • none

Payment options

Apple Pay, Google Pay, PayID, Samsung Pay

Rewards program details

Rates and fees information correct as at 25 September 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
What your points get you

Fly Sydney to London return

110,400 points

Fly Sydney to Melbourne one-way

8,000 points

$100 Giftcard

18,690 points

$100 Cash

-

Points earning

0.5 points per dollar on Visa, uncapped

Rewards scheme

Points are automatically credited to the Qantas Frequent Flyer program.

All rewards are redeemed via Qantas Frequent Flyer.

Value of rewards points

Spend $37,380 (Visa)

Spend $16,000 (Visa)

Spend $220,800 (Visa)

Uncapped

Never

How do we calculate the rewards?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,

  • figure out how many flights or gift cards or cashback credits you could get for those points,

  • work out what that's actually worth to you,

  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.

  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.

  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.

  • In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.

  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.

  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.

  • Shopping rewards are based on $100 gift cards from a major national department store.

  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Close

Rate and fee details

Rates
  • 19.74% p.a.

  • none

  • 6.99% p.a. for 12 months and then 21.49% p.a.

  • yes

  • 21.49% p.a.

  • 55

Fees
  • $79.00

  • none

  • none

  • none

  • $15.00

  • 2%, Min $2.50

  • 3.00%

  • $2.00

  • $10.50

  • $0.00

Features
  • $10.00

  • 2.0

  • 1

  • none

Payment options

Apple Pay, Google Pay, PayID, Samsung Pay

Customer Reviews

How are Bank of Melbourne credit cards rated by the Mozo community?

Overall
7.4/10
Price
6.7/10
Features
6.2/10
Customer service
7.3/10
Convenience
7.4/10
Trust
7.5/10

Latest reviews of Bank of Melbourne Amplify Classic

  • Overall 9/10
    Really good customer service and good looking card

    I like the Bank of Melbourne because relatives use it, it is efficient and easy to use. Great customer service from inside the branch.

    Read full review

    I like the Bank of Melbourne because relatives use it, it is efficient and easy to use. Great customer service from inside the branch.

    Price
    10/10
    Features
    6/10
    Customer service
    9/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Rachael, Victoria reviewed 3 months ago
  • Overall 8/10
    Great credit card to earn points.

    Great credit card, however BOM interest rate is high and balance should be paid off monthly to avoid hefty interest bill. Annual fee is reasonable. BOM are one of the only banks that offer joint credit cards. I have a joint account with my partner and we earn points for everyday expenses and purchases.

    Read full review

    Great credit card, however BOM interest rate is high and balance should be paid off monthly to avoid hefty interest bill. Annual fee is reasonable. BOM are one of the only banks that offer joint credit cards. I have a joint account with my partner and we earn points for everyday expenses and purchases.

    Price
    5/10
    Features
    9/10
    Customer service
    9/10
    Convenience
    6/10
    Trust
    10/10
    Less
    Benjamin, New South Wales reviewed 11 months ago
  • Overall 10/10
    Very helpful

    Answered all related enquirers

    Read full review

    Answered all related enquirers

    Price
    10/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -
    Less
    Sheri, Victoria reviewed about 3 years ago
  • Overall 2/10
    It isn't convinient oversea

    It's ok but not convinient use in oversea

    Read full review

    It's ok but not convinient use in oversea

    Price
    1/10
    Features
    2/10
    Customer service
    0/10
    Convenience
    4/10
    Trust
    1/10
    Less
    Ngoc, Victoria reviewed almost 5 years ago
  • Overall 10/10
    Great Staff, Great Bank

    Bank of Melbourne has never let me down. Its easy, convenient, ATM locations seem to be on the rise, and best of all the staff are all awesome. As a 22 year old it can be daunting to visit a bank where employees are generally much older, but Bank of Melbourne has amazing staff.

    Read full review

    Bank of Melbourne has never let me down. Its easy, convenient, ATM locations seem to be on the rise, and best of all the staff are all awesome. As a 22 year old it can be daunting to visit a bank where employees are generally much older, but Bank of Melbourne has amazing staff.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Sebastian, Victoria reviewed about 6 years ago
Bank of Melbourne

About Bank of Melbourne

Formerly St.George in Victoria, The Bank of Melbourne provides a banking alternative to customers with its large range of products in home, personal and business banking. Based in Victoria the Bank of Melbourne offers its customers bank accounts, credit cards, term deposits, private banking services, home loans and personal loans.

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