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 credit card that suits you best

  • Amplify Classic (Amplify Rewards)

    Rewards: Amplify Rewards

  • Amplify Classic (Qantas Frequent Flyer)

    Rewards: Qantas Frequent Flyer

19.49% p.a.

0% p.a. for 14 months and then 20.24% p.a.

$79

Amplify Rewards

Bank of Melbourne Amplify Classic

19.49% p.a.

0% p.a. for 14 months and then 20.24% p.a.

$79

Amplify Rewards

19.49% p.a.

0% p.a. for 14 months and then 20.24% p.a.

$79

Qantas Frequent Flyer

Bank of Melbourne Amplify Classic

19.49% p.a.

0% p.a. for 14 months and then 20.24% p.a.

$79

Qantas Frequent Flyer

Mozo Review   Bank of Melbourne Amplify Classic Review

Last updated: 17 October 2018.

What's hot:
  • No cap on points

  • 0% balance transfer for 14 months

What's not:
  • 20.24% p.a. cash advance rate

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 Qantas points through their card. 

Key features:

Do you love earning Qantas 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 earning rate of 0.5 Qantas points for every dollar you spend and a $79 annual fee. You’ll even be able to earn double points when you make purchases with Qantas Frequent Flyer Program partners.

If you’ve already got debt on an existing card you’ll be able to make use of the 0% balance transfer offer for the first 14 months. If you do decide to make the switch, just make sure you pay off that debt before the balance transfer period ends, because the balance transfer rate reverts to the high 20.24% cash advance rate.

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 19.49% 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.

Who it's good for:

With it’s 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 Qantas points.

Any catches?

If you do plan to take advantage of the balance transfer offer, just make sure you pay off any debt within the 36 month period before the rate reverts back to the high 20.24% p.a. cash advance rate.

Rewards program details

Rates and fees information correct as at 19 October 2018.

What your points get you

Fly Sydney to London

239,200 points

Fly Sydney to Melbourne

15,600 points

$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 Velocity, Enrich or Krisflyer programs.

Value of rewards points

Spend $18,182 (Visa)

Spend $22,200 (Visa)

Spend $15,600 (Visa)

Spend $239,200 (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
  • 19.49% p.a.

  • none

  • 0% p.a. for 14 months and then 20.24% p.a.

  • yes

  • 20.24% 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

Samsung Pay

Rewards program details

Rates and fees information correct as at 19 October 2018.

What your points get you

Fly Sydney to London

120,000 points

Fly Sydney to Melbourne

8,000 points

$100 Giftcard

16,160 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 $32,320 (Visa)

Spend $16,000 (Visa)

Spend $240,000 (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
  • 19.49% p.a.

  • none

  • 0% p.a. for 14 months and then 20.24% p.a.

  • yes

  • 20.24% 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

Samsung Pay

Customer Reviews

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

Overall customer rating
7.6/10
Price
6.8/10
Features
6.4/10
Customer service
7.6/10
Convenience
7.7/10
Trust
7.6/10

Latest reviews of Bank of Melbourne Amplify Classic

  • Overall
    10/10
    Very helpful

    Answered all related enquirers

    Answered all related enquirers

    Price
    10/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -

    Sheri | Victoria

    reviewed over 1 year ago

  • Overall
    2/10
    It isn't convinient oversea

    It's ok but not convinient use in oversea

    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

    Ngoc | Victoria

    reviewed almost 3 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...

    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

    Sebastian | Victoria

    reviewed about 4 years ago

  • Overall
    8/10
    Inviting branches and customer focused

    Bank of Melbourne have very up to date branches. They are comfortable and relaxing and don't look...

    Bank of Melbourne have very up to date branches. They are comfortable and relaxing and don't look like a bank! Staff have always been friendly and helpful with their advice, without being too pushy or 'sales-y'. Our credit card is free with our home loan package and we do all our purchases through it, allowing us to accrue a bunch of frequent flyer points which we'll be using to fly to our wedding :)

    Price
    7/10
    Features
    8/10
    Customer service
    7/10
    Convenience
    9/10
    Trust
    7/10

    Matt | Victoria

    reviewed over 4 years ago

  • Overall
    9/10
    Boutique service with a genuine smile

    The BOM branches are very personal and inviting with staff who are willing and happy to service...

    The BOM branches are very personal and inviting with staff who are willing and happy to service your needs (with a smile). The lack of queues and personal attention is appreciated and there's a general feeling that you are the customer & that's important.

    Price
    8/10
    Features
    8/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    8/10

    David | Victoria

    reviewed almost 5 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.

See Bank of Melbourne credit cards

Promoted

Bank of Melbourne

Bank of Melbourne

Vertigo Platinum

12.74% p.a.

0% p.a. for 26 months and then 19.49% p.a. (2.00% balance transfer fee)

$99 $0 in the first year

Promoted

Bank of Melbourne

Bank of Melbourne

Vertigo

13.74% p.a.

0% p.a. for 16 months and then 19.49% p.a.

$55

Promoted

Bank of Melbourne

Bank of Melbourne

No Annual Fee

20.49% p.a.

0% p.a. for 12 months and then 20.49% p.a. (1.00% balance transfer fee)

$0

Promoted

Bank of Melbourne

Bank of Melbourne

Amplify Platinum

19.49% p.a.

No current offer

$99 $0 in the first year

Promoted

Bank of Melbourne

Bank of Melbourne

Amplify Signature

19.49% p.a.

No current offer

$279 $179 in the first year

Promoted

Woolworths

Woolworths

Everyday Platinum Credit Card

0% p.a. for 14 months and then 21.99% p.a.

19.99% p.a.

$49 $0 in the first year

Promoted

ME

ME

frank Credit Card

No current offer

11.99% p.a.

$0

Promoted

American Express

American Express

Qantas Ultimate Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

20.74% p.a.

$450

Promoted

ANZ

ANZ

Frequent Flyer Black

No current offer

19.99% p.a.

$425

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 6 months and then 20.99% p.a.

0% p.a. for 14 months then 20.74% p.a.

$129

Promoted

American Express

American Express

Explorer Credit Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

20.74% p.a.

$395

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)

0% p.a. for 13 months then 12.99% p.a.

$99

Promoted

Westpac

Westpac

Altitude Platinum with American Express

No current offer

20.24% p.a.

$199 $0 in the first year

Promoted

Woolworths

Woolworths

Everyday Platinum Credit Card

1 point per dollar on Visa, uncapped

19.99% p.a.

$49 $0 in the first year

Promoted

American Express

American Express

Explorer Credit Card

2 points per dollar on Amex, uncapped

20.74% p.a.

$395

Promoted

ANZ

ANZ

Rewards Platinum

1.5 points per dollar on Visa, up to $2,000 per month, then
0.5 points per dollar on Visa, uncapped

18.79% p.a.

$95

Promoted

American Express

American Express

Velocity Escape Card

1 point per dollar on Amex, uncapped

20.74% p.a.

$0

Promoted

Westpac

Westpac

Altitude Platinum with American Express

1 point per dollar on Amex, 0.5 points per dollar on Visa, uncapped

20.24% p.a.

$249 $50 in the first year

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0.66 points per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped

20.74% p.a.

$129

Promoted

Bankwest

Bankwest

Qantas Platinum Mastercard

0.5 points per dollar on Mastercard, up to 200000 points per year

20.49% p.a.

$160

Promoted

ANZ

ANZ

Frequent Flyer Black

1 point per dollar on Visa, up to $7,500 per month, then
0.5 points per dollar on Visa, uncapped

19.99% p.a.

$425

Promoted

Woolworths

Woolworths

Everyday Platinum Credit Card

0% p.a. for 14 months and then 21.99% p.a.

$49 $0 in the first year

19.99% p.a.

Promoted

American Express

American Express

Velocity Escape Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$0

20.74% p.a.

Promoted

Suncorp

Suncorp

Clear Options Platinum

0% p.a. for 18 months and then 21.99% p.a.

$178

20.74% p.a.

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)

$99

0% p.a. for 13 months then 12.99% p.a.

Promoted

American Express

American Express

Explorer Credit Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$395

20.74% p.a.

Promoted

28 Degrees

28 Degrees

Platinum Mastercard

4.99% p.a. for 6 months and then 21.99% p.a.

$0

21.99% p.a.

Promoted

NAB

NAB

Low Rate Platinum Card

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$100

0% p.a. for 9 months then 13.99% p.a.

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0% p.a. for 18 months and then 20.99% p.a.

$129 $64 in the first year

20.74% p.a.

Promoted

ME

ME

frank Credit Card

11.99% p.a.

$0

No current offer

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 13 months then 12.99% p.a.

$99

0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)

Promoted

American Express

American Express

Essential Credit Card

14.99% p.a.

$0

0% p.a. for 12 months and then 14.99% p.a. (3.00% balance transfer fee)

Promoted

NAB

NAB

Low Rate Platinum Card

0% p.a. for 9 months then 13.99% p.a.

$100

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

Promoted

ANZ

ANZ

Low Rate

12.49% p.a.

$58

0% p.a. for 15 months and then 21.74% p.a.

Promoted

Citi

Citi

Clear Platinum

12.99% p.a.

$99 $0 in the first year

0% p.a. for 14 months and then 21.74% p.a.

Promoted

Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 13 months then 12.99% p.a.

$79

0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)

Promoted

St.George

St.George

Vertigo

13.74% p.a.

$55

0% p.a. for 16 months and then 19.49% p.a.

Promoted

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 14 months then 20.74% p.a.

0% p.a. for 6 months and then 20.99% p.a.

$129

Promoted

Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 13 months then 12.99% p.a.

0% p.a. for 13 months and then 12.99% p.a. (2.00% balance transfer fee)

$99

Promoted

ANZ

ANZ

Rewards Platinum

18.79% p.a.

No current offer

$95

Promoted

Bendigo Bank

Bendigo Bank

Low Rate Platinum Mastercard

11.99% p.a.

No current offer

$89

Promoted

American Express

American Express

Essential Credit Card

14.99% p.a.

0% p.a. for 12 months and then 14.99% p.a. (3.00% balance transfer fee)

$0

Promoted

NAB

NAB

Low Rate Platinum Card

0% p.a. for 9 months then 13.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$100

Promoted

ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 15 months and then 21.74% p.a.

$58