Flight value
$489 after fees
39,000 Velocity points, estimated value · 75,000 Amplify points · spend $3,000 in 90 days
Available
I'd like to use my bonus for:
39,000 Velocity points at 1.7¢ − $174 first-year fees. Flight value is an estimate, not cash. Assumes you earn the bonus and pay in full.
These terms are currently available (site published 11 Oct 2026).
What this calculation assumes
- You make the required purchases and the bonus is paid.
- You pay the balance in full — any interest changes the outcome.
- The required spend is ordinary planned spending, not extra cost.
- Gift-card rates are the recorded redemption catalogue, rechecked at renewal.
Did this help you make a decision?
Can I get this?
This is a public offer.
Can I get this bonus if I have held a card before?
The bonus holding rule for this offer is unverified. Check the offer terms before applying.
See exclusion periods for every Australian issuer →What must I spend?
$3,000 within 90 days — about $1,000 per month. The terms on this page don't record when the clock starts or how long the bonus takes to arrive after you qualify — check the issuer terms for both.
Can I get the card?
$6,000 minimum credit limit — a lending commitment, not a reward fact.
No minimum income recorded — this does not mean there is none.
Lending approval is separate from bonus eligibility: approval gets you the card, the conditions above get you the bonus.
How long is this available?
No recorded end date — this does not mean it never ends. Availability is rechecked against the issuer page.
What else makes the card useful?
Reward use
Ways to turn points into value.
- Points Transfer Benefits Compare across cards →Amplify Points can be redeemed for e-gift cards, travel and Everyday Rewards points, or transferred to airline/frequent flyer and hotel transfer partner programs (joining fee may apply)
Check membership, transfer ratios, minimums, and fees before choosing gift cards or flights.
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Amplify Points can be redeemed for e-gift cards, travel and Everyday Rewards points, or transferred to airline/frequent flyer and hotel transfer partner programs (joining fee may apply)
No source recorded for this benefit.
Purchase protection
Cover on things you buy with the card. Limits, excesses, and activation conditions apply.
- Purchase Protection Insurance Compare across cards →Covers eligible items purchased on the card against loss, theft or damage for up to 4 months from the date of purchase
Check the cover period, the card-payment condition, claim limits, and excess.
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Covers eligible items purchased on the card against loss, theft or damage for up to 4 months from the date of purchase
- Extended Warranty Insurance Compare across cards →Extends the Australian manufacturer's warranty on eligible new domestic appliance products bought on the card (covered products with a 6 months to 5 year manufacturer's warranty)
Check how much extra cover it adds, which warranty lengths qualify, limits, and excess.
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Extends the Australian manufacturer's warranty on eligible new domestic appliance products bought on the card (covered products with a 6 months to 5 year manufacturer's warranty)
Travel
Travel cover and perks. Most need qualifying bookings or payment with the card.
- Hotel Benefits Compare across cards →Access to Visa Luxury Hotel Collection: best available rate guarantee, room upgrade when available and one daily breakfast per person at participating properties
Check qualifying bookings and availability.
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Access to Visa Luxury Hotel Collection: best available rate guarantee, room upgrade when available and one daily breakfast per person at participating properties
No source recorded for this benefit.Learn more - Travel Insurance Compare across cards →Complimentary international travel insurance for cardholders, spouse and dependants (aged under 81) for journeys up to 3 consecutive months when at least $500 of prepaid travel costs are charged to the card and a return overseas ticket is held; includes unlimited overseas…
Check the cover period, the activation condition, and who counts as an insured person.
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Complimentary international travel insurance for cardholders, spouse and dependants (aged under 81) for journeys up to 3 consecutive months when at least $500 of prepaid travel costs are charged to the card and a return overseas ticket is held; includes unlimited overseas emergency medical, evacuation & repatriation, cancellation, luggage, $5,500 rental vehicle excess and $2,500,000 personal liability. Also includes Interstate Flight Inconvenience Insurance (up to $3,000 cancellation) for domestic flights charged to the card
- Rental Vehicle Insurance Compare across cards →Rental vehicle excess cover up to $5,500 overseas, plus separate Rental Vehicle Excess in Australia cover, where the rental agreement specifies an excess and the vehicle is damaged or stolen in your custody
Check overseas rental excess separately from Australian cover, plus limits and activation for each.
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Rental vehicle excess cover up to $5,500 overseas, plus separate Rental Vehicle Excess in Australia cover, where the rental agreement specifies an excess and the vehicle is damaged or stolen in your custody
- Transit Accident Insurance Compare across cards →Overseas Transit Accident Insurance pays a lump sum (up to $750,000 loss of life, $250,000-$500,000 for specified injuries) for accidental injury while travelling on public transport overseas when the trip was charged to the card
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Overseas Transit Accident Insurance pays a lump sum (up to $750,000 loss of life, $250,000-$500,000 for specified injuries) for accidental injury while travelling on public transport overseas when the trip was charged to the card
Everyday savings
Discounts and cashback on spending. Activation and caps vary.
- Shopping Benefits Compare across cards →Bonus Cashback when shopping via the Bank of Melbourne Lounge on the ShopBack app (Cashback paid by ShopBack), plus discounted gift cards and special deals on the My Offers Hub and personalised Visa Offers and Perks
Check activation and purchase conditions. Amounts here don't add to the bonus calculation.
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Bonus Cashback when shopping via the Bank of Melbourne Lounge on the ShopBack app (Cashback paid by ShopBack), plus discounted gift cards and special deals on the My Offers Hub and personalised Visa Offers and Perks
No source recorded for this benefit.
Account management
Tools for running the account — repayment helpers, not reward value.
- Digital Wallet Integration Compare across cards →Supports Apple Pay, Google Pay and Samsung Pay for mobile-wallet payments
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Supports Apple Pay, Google Pay and Samsung Pay for mobile-wallet payments
No source recorded for this benefit. - Online Banking Features Compare across cards →Manage repayments and the account via Plan&Pay, Autopay, SMS and email alerts and Bank of Melbourne internet/mobile banking
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Manage repayments and the account via Plan&Pay, Autopay, SMS and email alerts and Bank of Melbourne internet/mobile banking
No source recorded for this benefit. - No Additional Cardholder Fee Compare across cards →Add a second cardholder aged 16 or over for free, with all spend and points kept on the one account (additional cardholders cannot redeem rewards)
Check account liability and age or redemption restrictions.
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Add a second cardholder aged 16 or over for free, with all spend and points kept on the one account (additional cardholders cannot redeem rewards)
No source recorded for this benefit. - Interest Free Periods Compare across cards →Up to 55 interest-free days on purchases when the Monthly Payment Balance is paid in full by the due date each month; does not cover cash advances
Recorded here as 55 days, but the issuer page currently advertises 45 days (Oct 2026 audit) — recheck in progress. Confirm with the issuer before applying.
Issuer interest-free terms →More detailsLess details
Up to 55 interest-free days on purchases when the Monthly Payment Balance is paid in full by the due date each month; does not cover cash advances
No source recorded for this benefit. - Installment Plans Compare across cards →Plan&Pay lets eligible purchase balances be split into fixed monthly instalments
Check applicable charges and eligibility — a repayment plan, not reward value.
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Plan&Pay lets eligible purchase balances be split into fixed monthly instalments
No source recorded for this benefit.
Should I keep it after the first year?
Renewal costs $250 each year ($175 annual fee + $75 program fee) — first year was $174.
Second year pays 25,000 Amplify points if you still hold the card into year two. The recorded terms don't detail the exact second spend hurdle — check the issuer terms before counting on it.
Ongoing earn: 1.00x Amplify points per $1.
Keeping pays off only if you meet the second-year conditions and use the points and benefits enough to cover $250/yr.
Year-two points aren't dollar-valued here: the redemption catalogue may change before renewal, so recheck the rate then.
Terms and evidence
Full current terms
Offer terms
First Year Points
75,000 points
Amplify
Second Year Points
25,000 points
With $175 annual fee
Minimum Spend
$3,000
within 90 days (about 3 months)
Ongoing Earn Rate
1.00x points per $1 spent
Fees
First Year Annual Fee
$99
Ongoing Annual Fee
$175
From year 2 onwards
Program Fee
$75
Additional fee for reward program participation
Purchase Interest Rate
23.98% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefit history (9 changes)
- Travel InsuranceUpdated May 2026
- Points Transfer BenefitsUpdated May 2026
- Hotel BenefitsUpdated May 2026
- Interest Free PeriodsUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
- No Additional Cardholder FeeUpdated May 2026
- Transit Accident InsuranceUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
Offer terms history
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 11 Oct 2026
Availability changed from ended to available; conditions unchanged.
Changes from terms version 9
Changes from terms version 8
Changes from terms version 7
No recorded term changes from the previous version.
No recorded term changes from the previous version.
Changes from terms version 4
Changes from terms version 3
Changes from terms version 2
Changes from terms version 1
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Archived notes
Earlier notes about this offer, kept as an archive — not current terms. Note dates are separate from terms publication dates.
- Expiration changed from 30/04/24 to 31/07/243 years ago
- Expiration changed from 06/11/23 to 30/04/24, Bonus from 90K to 100K3 years ago
- Offer expiry moved from 30/11 to 6/113 years ago
- Annual fee increased from $99 to $1243 years ago
- Offer extended to 19 july 20233 years ago
- Annual fee increased from $29 to $49. Bonus lowered from 100k to 90k4 years ago
- Bonus reduced from 130k to 100k, first year annual fee reduced from $49 to $295 years ago
- Offer extended from 24/02/22 to 02/03/225 years ago
- This card is now added and tracked.5 years ago
Discussion
About the current terms (published 11 Oct 2026).
Community and personal tools
Track this card, or suggest a correction. Sign-in required.