Understanding the Amplify Rewards Program
For Bank of Melbourne customers, utilizing a rewards credit card is one of the most effective ways to extract value from everyday financial transactions. The bank's flagship loyalty program, Amplify Rewards, allows cardholders to accumulate points on all eligible everyday purchases, from weekly groceries to utility bills. Depending on the specific tier of your card—such as the Amplify Platinum or Amplify Signature—your earning rate will vary, significantly impacting how quickly you can claim premium rewards.
When applying for a Bank of Melbourne rewards card, customers are typically presented with a choice between two distinct earning paths: the flexible Amplify Rewards program or the specialized Qantas Frequent Flyer program. Choosing the right option is important, as the Amplify program allows redemption of points for eGift cards, cashback, merchandise, and transfers to selected airline loyalty programs such as Velocity or KrisFlyer (where available).
Amplify Rewards Program Features
| Category | Details |
|---|---|
| Program Options | Choose between Amplify Rewards or Qantas Frequent Flyer points. |
| Earning Methods | Points earned per dollar spent on eligible domestic and international purchases. |
| Redemption Catalog | eGift cards, physical merchandise, cashback, and airline point transfers. |
| Points Expiration | Amplify Points do not expire as long as your credit card account remains active. |
How to Check and Redeem Your Points: Step-by-Step
Amplify Rewards:
Online: via your Amplify Rewards Account which can be accessed via Internet or Mobile Banking
Call us: Bank of Melbourne Amplify Rewards Centre – 1300 600 266 (8am – 8pm, AEST, Monday to Friday excluding National Public Holidays).
Qantas Points:
To redeem Qantas Points, visit qantas.com/frequentflyer or call 13 11 31 for further information.
Troubleshooting Portal and Login Pain Points
- MFA Code Delays: When bridging to the Amplify portal, the system may trigger a secure SMS check. If the code does not arrive, do not close the window. Wait 60 seconds and ensure your phone has strong cellular reception, as banking SMS gateways do not operate exclusively over Wi-Fi. If it repeatedly fails, verify your phone number in your primary banking profile.
- Browser Errors and Blocked Portals: Because the Amplify Rewards catalog is hosted on a separate secure server, clicking the rewards link opens a new tab. If nothing happens, your browser's pop-up blocker is preventing access. Look for the blocked icon in your URL bar, click it, and select Always allow pop-ups for the Bank of Melbourne domain.
- Locked Account ID: Entering your internet banking password incorrectly multiple times while trying to check your points balance will lock your entire banking profile. If you trigger a security lock, you will not be able to view your credit card or redeem points. You must use the Forgotten Password link or call 13 22 66 to restore your access.
Pro-Tip: To maximize the financial return on your points, focus on redeeming them for Digital eGift Cards (such as Woolworths or Coles) rather than physical merchandise. eGift cards consistently offer the highest "cents-per-point" value in the Amplify catalog and are delivered to your email inbox almost instantly, allowing you to use them immediately at the checkout to offset your grocery inflation.
Frequently Asked Questions
Do my Bank of Melbourne Amplify points ever expire?
No. Your Amplify Rewards points will not expire for the life of the account. However, if you close your credit card account or if the bank cancels it due to default, you will forfeit any unredeemed points remaining on the balance within 90 days.
Can I switch from Amplify Rewards to Qantas Points later?
Switching between the two reward programs is not a simple toggle. In most cases, you cannot transfer existing Amplify Points directly to Qantas Points. If you wish to change your earning structure entirely, you generally need to contact the bank to request a product switch to the specific Qantas-branded version of the credit card.
Why didn't I earn points on a recent large transaction?
Not all transactions are eligible to earn points. Standard exclusions apply to cash advances, balance transfers, BPAY payments, ATO (Australian Taxation Office) payments, and casino or gambling transactions. Check your card's specific Terms & Conditions for a full list of excluded purchases.
