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Amplify Classic (Amplify Rewards)



Electronic Wallet Service

Important Rates


Balance Transfer

Overseas spending



Earn Rates

RateCard TypeEarnsCondition
1 point for $1 spentVisauncappedeligible purchases
  • Free Supplementary Cards


The Bank of Melbourne Amplify Classic credit card allows cardholders to earn points with Amplify Rewards, a rewards program issued by Bank of Melbourne, St George and BankSA. Cardholders can redeem these points on frequent flyer rewards, homewares, gift cards, travel and more.

The Bank of Melbourne Amplify Classic credit card also provides a moderate amount of interest-free days and the ability to add an additional cardholder at no extra cost. New cardholders can also take advantage of this credit card’s balance transfer offer, with a no-interest period for the first 18 months.

This credit card has a moderately high interest rate, and an even higher rate on cash advances. The annual fee is moderate, and there is also a moderately low late payment fee, which also includes an additional fee for each payment dishonour.

  • Earn Amplify Rewards points
  • Free additional cardholder
  • 24/7 fraud monitoring
  • Moderately high interest rate
  • Moderate annual fee
  • Fee for card replacement


Who is it good for?

The Bank of Melbourne Amplify Classic credit card could be a good option for current Bank of Melbourne customers who are shopping around for a rewards program and rewards credit card to match. Amplify points can be redeemed with a number of travel, retail, financial and even charitable services, but it is always worth shopping around to make sure this is the right rewards program for you.

As with many rewards credit cards, the interest rate on the Bank of Melbourne Amplify Classic credit card is moderately high, so this card is best suited for customers who already pay off their credit cards in full each month.

The additional fees for card replacement, and even higher fees if you are overseas (even in an emergency), also mean that this card is better suited to people who do not have a history of losing or misplacing their credit cards.

What RateCity says

The Bank of Melbourne Amplify Classic credit card is a rewards card with few additional perks or benefits. The main value proposition of this credit card is the ability to earn Amplify Rewards points, a rewards program issued by Bank of Melbourne, St George and BankSA. For this reason, potential customers should look into the Amplify Rewards program to see if it is right for them.

For consumers who are not already Bank of Melbourne customers, or who are already members of another rewards program, this credit card offers little more than many other credit cards in the market – many of which have lower interest rates and annual fees. This can be expected with no-frills credit cards such as these, which are more likely to appeal to a smaller, more specific market. 


To apply for the Bank of Melbourne Amplify Classic credit card, you must be at least 18 years old, an Australian citizen or permanent resident, and meet any other serviceable criteria. Current Bank of Melbourne customers can apply online in just five minutes, and for new customers it should take about 10 minutes. When you are ready to apply, make sure to have a form of identification, income and employment details, and details of any financial commitments on hand.

About the lender

Bank of Melbourne was established in 1989, and has been headquartered in Melbourne since its inception. In 1997, it was acquired by Westpac Banking Corporation, and in 2004 all branches were rebranded as Westpac. In 2011, Westpac resurrected the brand, which now operates as a separate entity to its parent company. Today, Bank of Melbourne employs over 1,200 people, and is in over 100 locations in Australia, including Melbourne, Shepparton, Ballarat, Geelong and Bendigo.

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