How to apply for your Bank of Melbourne Amplify Rewards Signature Credit Card

The Bank of Melbourne Amplify Rewards Signature Credit Card is designed for individuals who want to earn reward points on their spending while enjoying premium lifestyle and travel benefits. The card is part of the Amplify Rewards Program, allowing users to redeem points for various rewards.

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Benefits of the Bank of Melbourne Amplify Rewards Signature Credit Card

Benefit 1: High reward points earning rate

Earn 1.5 Amplify Points for every $1 spent on eligible purchases, with no points cap and no expiry. Ideal for high spenders, this earning rate allows rewards to accumulate rapidly and be redeemed for travel, gift cards, merchandise, cashback and more — offering true long-term value.

Benefit 2: Airport lounge access and premium travel perks

Enjoy two complimentary Priority Pass lounge visits per year, granting you access to relaxing airport lounges worldwide. Plus, the card unlocks benefits through the Visa Luxury Hotel Collection, including room upgrades, late check-out, and complimentary breakfast — perfect for frequent travellers seeking comfort and exclusivity.

Benefit 3: Points transfer to frequent flyer programs

Amplify Points can be transferred to selected airline frequent flyer programs, letting you convert everyday spending into air miles. This feature is a major advantage for those who prefer flying rewards over traditional redemptions — enhancing flexibility and travel opportunities.

Benefit 4: Complimentary international travel insurance

Cardholders receive free overseas travel insurance covering medical emergencies, lost luggage, trip cancellations, and rental car excess in Australia. This coverage, available for trips up to 6 months, provides peace of mind and added value when travelling abroad (T&Cs apply).

Benefit 5: Exclusive entertainment and lifestyle offers

Get access to exclusive experiences, including dining deals, shopping promotions, event tickets, and more. The 24/7 concierge service assists with reservations, travel planning, and personal requests — elevating your lifestyle with premium support and convenience.

Benefit 6: Cashback via ShopBack Integration

Link your card to the ShopBack app and enjoy exclusive cashback offers through the Bank of Melbourne Lounge. This makes everyday shopping more rewarding with real savings from popular Australian retailers.

Benefit 7: Secure and smart payment features

Enjoy 24/7 fraud protection, including zero liability for unauthorised transactions, along with secure payments via Apple Pay, Google Pay, and Samsung Pay. The card also supports tools like Plan&Pay, Autopay, and real-time alerts, giving you control over your finances.

Benefit 8: Additional free cardholders

Add up to three additional cardholders (16+) at no extra cost, helping you accumulate points faster — with all rewards credited to the primary cardholder’s account.

Who is this card for?

The Bank of Melbourne Amplify Rewards Signature Credit Card is ideal for:

• Frequent travelers who want access to airport lounges and travel insurance.
• High spenders looking to accumulate and redeem reward points quickly.
• Individuals who enjoy exclusive lifestyle and entertainment benefits.

Positives of the Bank of Melbourne Amplify Rewards Signature Credit Card

Here’s a more detailed version of the Positives and Negatives of the Bank of Melbourne Amplify Rewards Signature Credit Card section:

1. Flexible rewards program

One of the standout features of the Amplify Rewards Signature Credit Card is its versatile rewards program. Cardholders earn Amplify Points on eligible purchases, which can be redeemed for a variety of rewards, including flights, hotel stays, merchandise, gift cards, and cashback. Unlike some credit cards that restrict points to a single airline or specific partners, this card allows users to transfer points to multiple airline programs, making it an attractive choice for frequent travelers.

Additionally, the Amplify Rewards program ensures that points never expire, allowing users to accumulate them over time for bigger and better redemptions.

2. Complimentary airport lounge access

Travelers will appreciate the complimentary airport lounge access included with the Amplify Rewards Signature Credit Card. Cardholders can enjoy access to select domestic and international airport lounges, allowing them to relax in comfort before their flights.

For frequent flyers, this perk adds significant value, making travel more enjoyable and stress-free.

3. Comprehensive travel insurance coverage

The Bank of Melbourne Amplify Rewards Signature Credit Card comes with extensive travel insurance benefits, providing peace of mind for travelers.This insurance coverage can save cardholders hundreds of dollars annually, making it an excellent benefit for those who frequently travel abroad.

4. Premium concierge service

The card includes 24/7 concierge services, offering personalized assistance for travel, dining, entertainment, and lifestyle needs. Whether cardholders need help booking flights, securing event tickets, making restaurant reservations, or planning special occasions, the concierge service is designed to offer convenience and VIP treatment.

For busy professionals and luxury seekers, this service provides exclusive access to special deals, priority reservations, and tailored experiences, enhancing the overall value of the card.

Negatives of the Bank of Melbourne Amplify Rewards Signature Credit Card

1. High annual fee

While the Amplify Rewards Signature Credit Card offers premium benefits, it comes with a high annual fee that may not be justifiable for all users. The annual fee is $295.
For individuals who don’t frequently travel or maximize rewards, this fee could outweigh the benefits. To make the most of this card, users should ensure they are taking full advantage of the bonus points, lounge access, and travel perks.

2. Foreign transaction fees

Unlike some premium credit cards that waive foreign transaction fees, the Amplify Rewards Signature Credit Card charges a transaction fee of 3% on purchases – of the Australian dollar value for transactions with merchants based overseas.

For international travelers or online shoppers who frequently buy from overseas merchants, these fees can quickly add up. In contrast, other travel-focused credit cards offer zero foreign transaction fees, making them a more cost-effective choice for frequent global spenders.

3. Strict eligibility requirements

The Bank of Melbourne Amplify Rewards Signature Credit Card has strict eligibility criteria. This makes the card less accessible to those who have lower incomes, are self-employed with fluctuating income, or have a limited credit history. For individuals who don’t meet these requirements, a lower-tier rewards card may be a better alternative.

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Fees and interest rates

• Annual fee: $279
• Purchase interest rate: 20.99% p.a.
• Cash advance rate: 21.99% p.a.
• Cash advance amount: 3%
• Foreign transaction fee: 3% – of the Australian dollar value for transactions with merchants based overseas.

Customer support and contact details

• Phone Support: 13 22 66 (within Australia)
• International Contact: +61 3 8536 7870
• Website: Bank of Melbourne Credit Cards https://www.bankofmelbourne.com.au/personal/credit-cards

Step-by step guide to applying

1. Visit the official website

Go to the Bank of Melbourne Credit Cards page and select the card that suits your needs — such as the Amplify Rewards Signature or No Fee Credit Card. Click on “Apply Now” to begin your application.

2. Check your eligibility

Before proceeding, confirm that you meet the key eligibility criteria:

• Minimum age: 18 years
• Residency: Australian or New Zealand citizen, or holding an eligible Australian visa
• Stable income: Regular, taxable, and verifiable income (at least 3 months for employees or 18 months for self-employed)
• Good credit history and up-to-date payments on existing financial obligations

3. Prepare and complete the online application

Have the following ready:

• Personal details: Full name, date of birth, contact info
• Employment and income details: Employer name, job title, recent payslips or tax returns
• Financial information: Monthly expenses, existing debts, and other credit cards
• Identification: Driver’s licence, passport, Medicare card

Fill out the form carefully, ensuring all information is accurate to avoid delays.

4. Submit and wait for approval

• Once submitted, the bank will assess your application.
• You may receive an instant decision, or it may take a few business days if further verification is needed.
• If additional documents are required, respond promptly to speed up the process.

5. Receive and activate your card

If approved, you will receive:

• An email or SMS notification with approval details
• Your physical card by mail
• Activate your card via Internet Banking or the Bank of Melbourne app, and you’re ready to start using it.

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Final thoughts

The Bank of Melbourne Amplify Rewards Signature Credit Card is an excellent choice for individuals looking for a high-value rewards program, premium travel benefits, and exclusive lifestyle perks. With bonus points, flexible redemption options, and comprehensive travel insurance, this card stands out among premium rewards credit cards in Australia. However, the high annual fee and foreign transaction costs may not suit all users, making it essential to evaluate personal spending habits before applying.

For those who spend frequently on their credit card and enjoy redeeming points for travel and lifestyle benefits, the Amplify Rewards Signature Credit Card offers great value. If you’re looking for a versatile rewards credit card with extensive perks, this could be the perfect fit.