{ "brand": "Bank of Melbourne", "brand_label": "Bank of Melbourne", "brand_slug": "bank-of-melbourne", "legal_entity_abn": "33007457141", "public_base_uri": "https://digital-api.bankofmelbourne.com.au", "logo_uri": "https://www.bankofmelbourne.com.au/content/dam/bom/images/home/BOM-logo_1200x1200.jpg", "status": "ok", "stale": false, "bank_last_updated": "2026-11-05T02:44:44Z", "at_a_glance": { "note": "This bank's entry per customer segment (personal, business) and ranking kind (low_rate, no_annual_fee, balance_transfer, rewards), one line each: its card in the best/{segment}/{kind}.json slice (student cards, companion cards and occupation-limited lenders left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. conditions is a key into condition_sets. unranked counts the cards no slice ranks, by reason. Every card follows in products and rows.", "rates": [ {"segment":"personal","kind":"low_rate","rank":40,"of":52,"product_label":"Vertigo","card_type":"credit","purchase_rate_pct":13.99,"annual_fee":84.0,"fee_period":"monthly","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":500.0,"max_credit_limit":80000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":20,"bt_fee_pct":3.0,"bt_revert_rate_pct":21.99,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"personal","kind":"balance_transfer","rank":9,"of":22,"product_label":"Vertigo","card_type":"credit","purchase_rate_pct":13.99,"annual_fee":84.0,"fee_period":"monthly","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":500.0,"max_credit_limit":80000.0,"bt_promo_rate_pct":0.0,"bt_promo_months":20,"bt_fee_pct":3.0,"bt_revert_rate_pct":21.99,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"personal","kind":"rewards","rank":18,"of":24,"product_label":"Amplify Rewards Platinum","card_type":"credit","purchase_rate_pct":23.98,"annual_fee":175.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":45,"min_credit_limit":6000.0,"max_credit_limit":80000.0,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":"Amplify Platinum Rewards","conditions":"k2","restrictions":[],"record_stale":false}, {"segment":"business","kind":"low_rate","rank":1,"of":13,"product_label":"Business Vantage","card_type":"credit","purchase_rate_pct":9.99,"annual_fee":55.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":null,"max_credit_limit":null,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k3","restrictions":[],"record_stale":false}, {"segment":"business","kind":"rewards","rank":2,"of":9,"product_label":"Amplify Business","card_type":"credit","purchase_rate_pct":19.49,"annual_fee":89.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":null,"max_credit_limit":null,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":"Amplify Rewards","conditions":"k4","restrictions":[],"record_stale":false} ], "condition_sets": { "k1": [ "0.00% on balance transfers for 20 months, 3% transfer fee, then 21.99% (the cash advance rate); new cards", "the first-year fee waiver in the feed is for the bank's existing customers only", "credit limit $500 to $80,000", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia", "$450 cashback not for anyone who has held a Bank of Melbourne, St.George or BankSA credit card in the last 24 months", "from 30 November 2026 the purchase rate rises to 14.99% and the cash advance rate to 24.24%, and the minimum payment becomes 2.5% or $25", "balance transfer minimum $200, up to 80% of the approved limit, from up to 3 non-group cards; the other card's issuer must accept BPAY" ], "k2": [ "credit limit $6,000 to $80,000", "rewards programme fee $75 a year on top of the card fee", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia", "bonus points not for anyone who has held a Bank of Melbourne, St.George or BankSA rewards card in the last 24 months", "earn rate drops to 0.5 Amplify points per $1 once $5,000 is spent in a statement cycle" ], "k3": [ "business: Intend to use the card predominantly for business expenditure", "business: Should have business registered in Australia", "$55 card fee for each card, up to 99 cards (each additional card costs $55)" ], "k4": [ "no card fee in the first year, as the feed's discount states", "business: Intend to use the card predominantly for business expenditure" ] }, "unranked": { "products": 0 } }, "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), credit and charge cards category", "licence_note": "Rates and fees are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates, fees and offers change without notice; promotional balance transfer and purchase rates end after their months; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "BOMCCBusAmplifyBusiness", "product_name": "Amplify Business", "product_label": "Amplify Business", "product_slug": "amplify-business", "page": "/au/finance/credit-cards/cards/bank-of-melbourne/amplify-business/", "product_url": "https://www.bankofmelbourne.com.au/business/credit-card/rewards", "terms_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/small_business/bom_amplify_business_cc_conditions_of_use.pdf", "fees_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/bom-cc-fee-charges.pdf", "eligibility_url": "https://www.bankofmelbourne.com.au/business/credit-card/rewards", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "business" ], "segment": "business", "description": "Amplify Business is a personal liability business credit card that rewards you for your business expenses. Earn something more rewarding with uncapped points on eligible business purchases.", "purchase_rate_pct": 19.49, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "Purchase Rate", "cash_advance_rate_pct": 20.24, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 55, "annual_fee": 89.0, "fee_period": "annual", "fee_as_stated": 89.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Card Fee", "fee_offers": [ "Card Fee Waiver" ], "first_year_fee_waived": true, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.0, "cash_advance_fee": null, "late_payment_fee": 0.0, "additional_cardholder_fee": null, "balance_transfer": null, "rewards_program": "Amplify Rewards", "rewards_programs": [ "Amplify Rewards", "Amplify Qantas" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [ "Complimentary insurance: Including Transit Accident Insurance and Unauthorised Transactio…" ], "digital_wallets": [], "instalment_plan": false, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": null, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "no card fee in the first year, as the feed's discount states", "business: Intend to use the card predominantly for business expenditure" ], "eligibility": [ "business: Intend to use the card predominantly for business expenditure" ], "ranked": true, "unranked_reason": null, "rankings": [ { "segment": "business", "kind": "rewards", "rank": 2, "of": 9, "hidden_by_default": null } ], "source_kind": "feed", "record_stale": false, "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMCCBusAmplifyBusiness", "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-melbourne/BOMCCBusAmplifyBusiness.json", "snapshot_at": "2026-10-30T23:40:12Z", "bank_last_updated": "2026-10-29T01:03:02Z", "from_issuer_page": null }, { "product_id": "BOMCCAmplifyPlatinumcardFrequentFlyer", "product_name": "Amplify Qantas Platinum", "product_label": "Amplify Qantas Platinum", "product_slug": "amplify-qantas-platinum", "page": "/au/finance/credit-cards/cards/bank-of-melbourne/amplify-qantas-platinum/", "product_url": "https://www.bankofmelbourne.com.au/personal/credit-cards/frequent-flyer/amplify-platinum/summary", "terms_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/credit-cards/bom_credit_card_terms_and_conditions.pdf", "fees_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/bom-cc-fee-charges.pdf", "eligibility_url": "https://www.bankofmelbourne.com.au/personal/credit-cards/frequent-flyer/amplify-platinum", "card_type": "credit", "scheme": "visa", "tier": "platinum", "segments": [ "personal" ], "segment": "personal", "description": "Our mid-tier credit card for Qantas point lovers", "purchase_rate_pct": 23.98, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "Interest on purchases", "cash_advance_rate_pct": 23.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 175.0, "fee_period": "annual", "fee_as_stated": 175.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual Card Fee", "fee_offers": [ "Existing Reduced First year Annual Card Fee" ], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.5, "cash_advance_fee": null, "late_payment_fee": 20.0, "additional_cardholder_fee": null, "balance_transfer": null, "rewards_program": "Amplify Platinum Qantas", "rewards_programs": [ "Amplify Platinum Qantas" ], "rewards_program_fee": 125.0, "bonus_offer": "30000 Earn 30,000 bonus Qantas Points if you spend $6k+ on eligible purchases within 90 days of new card approval. Already with BankSA? Sign in to apply for a $99 card fee for the first year (reverts to $175 p.a. thereafter). Offer not available if you've held a BankSA, St.George or Bank of Melbour…", "cashback_offer": null, "insurances": [ "Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australi…" ], "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 6000.0, "max_credit_limit": 80000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "credit limit $6,000 to $80,000", "rewards programme fee $125 a year on top of the card fee", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia", "bonus points not for anyone who has held a Bank of Melbourne, St.George or BankSA rewards card in the last 24 months", "earn rate drops to 0.2 Qantas Points per $1 once $5,000 is spent in a statement cycle" ], "eligibility": [ "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia" ], "ranked": true, "unranked_reason": null, "rankings": [], "source_kind": "feed", "record_stale": false, "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMCCAmplifyPlatinumcardFrequentFlyer", "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-melbourne/BOMCCAmplifyPlatinumcardFrequentFlyer.json", "snapshot_at": "2026-10-30T23:40:12Z", "bank_last_updated": "2026-10-29T01:03:01Z", "key_facts_sheet_url": "https://www.bankofmelbourne.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "document_links_source": { "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "from_issuer_page": null }, { "product_id": "BOMCCAmplifySignaturecardFrequentFlyer", "product_name": "Amplify Qantas Signature", "product_label": "Amplify Qantas Signature", "product_slug": "amplify-qantas-signature", "page": "/au/finance/credit-cards/cards/bank-of-melbourne/amplify-qantas-signature/", "product_url": "https://www.bankofmelbourne.com.au/personal/credit-cards/frequent-flyer/amplify-signature/summary", "terms_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/credit-cards/bom_credit_card_terms_and_conditions.pdf", "fees_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/bom-cc-fee-charges.pdf", "eligibility_url": "https://www.bankofmelbourne.com.au/personal/credit-cards/frequent-flyer/amplify-signature", "card_type": "credit", "scheme": "visa", "tier": "signature", "segments": [ "personal" ], "segment": "personal", "description": "Our top-tier credit card for Qantas point lovers", "purchase_rate_pct": 23.98, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "Interest on purchases", "cash_advance_rate_pct": 23.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 295.0, "fee_period": "annual", "fee_as_stated": 295.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual Card Fee", "fee_offers": [ "Existing Reduced First year Annual Card Fee" ], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.5, "cash_advance_fee": null, "late_payment_fee": 20.0, "additional_cardholder_fee": null, "balance_transfer": null, "rewards_program": "Amplify Signature Qantas", "rewards_programs": [ "Amplify Signature Qantas" ], "rewards_program_fee": 155.0, "bonus_offer": "60000 Earn 60,000 bonus Qantas Points if you spend $9k+ on eligible purchases within 90 days of new card approval. Offer not available if you've held a BankSA, St.George or Bank of Melbourne rewards card in the last 24 months. New cards only. T&Cs Apply.", "cashback_offer": null, "insurances": [ "Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australi…" ], "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 15000.0, "max_credit_limit": 80000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "credit limit $15,000 to $80,000", "rewards programme fee $155 a year on top of the card fee", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia", "bonus points not for anyone who has held a Bank of Melbourne, St.George or BankSA rewards card in the last 24 months", "earn rate drops to 0.25 Qantas Points per $1 once $10,000 is spent in a statement cycle" ], "eligibility": [ "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia" ], "ranked": true, "unranked_reason": null, "rankings": [], "source_kind": "feed", "record_stale": false, "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMCCAmplifySignaturecardFrequentFlyer", "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-melbourne/BOMCCAmplifySignaturecardFrequentFlyer.json", "snapshot_at": "2026-10-30T23:40:12Z", "bank_last_updated": "2026-10-29T01:03:01Z", "key_facts_sheet_url": "https://www.bankofmelbourne.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "document_links_source": { "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "from_issuer_page": null }, { "product_id": "BOMCCAmplifyPlatinumcardRewards", "product_name": "Amplify Rewards Platinum", "product_label": "Amplify Rewards Platinum", "product_slug": "amplify-rewards-platinum", "page": "/au/finance/credit-cards/cards/bank-of-melbourne/amplify-rewards-platinum/", "product_url": "https://www.bankofmelbourne.com.au/personal/credit-cards/rewards/amplify-platinum/summary", "terms_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/credit-cards/bom_credit_card_terms_and_conditions.pdf", "fees_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/bom-cc-fee-charges.pdf", "eligibility_url": "https://www.bankofmelbourne.com.au/personal/credit-cards/rewards/amplify-platinum", "card_type": "credit", "scheme": "visa", "tier": "platinum", "segments": [ "personal" ], "segment": "personal", "description": "Our mid-tier credit card that lets you earn Amplify points", "purchase_rate_pct": 23.98, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "Interest on purchases", "cash_advance_rate_pct": 23.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 175.0, "fee_period": "annual", "fee_as_stated": 175.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual Card Fee", "fee_offers": [ "Reduced First year Annual Card Fee - New", "Existing Reduced First year Annual Card Fee" ], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.5, "cash_advance_fee": null, "late_payment_fee": 20.0, "additional_cardholder_fee": null, "balance_transfer": null, "rewards_program": "Amplify Platinum Rewards", "rewards_programs": [ "Amplify Platinum Rewards", "Amplify Rewards Points" ], "rewards_program_fee": 75.0, "bonus_offer": "50000 Earn 50,000 bonus Amplify Points if you spend $6k+ on eligible purchases within 90 days of new card approval. Plus, a $99 first year card fee (reverts to $175 p.a. thereafter). A $75 annual Amplify Rewards Program fee still applies. Offer not available if you've held a BankSA, St.George or Ba…", "cashback_offer": null, "insurances": [ "Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australi…" ], "digital_wallets": [ "Apple Pay", "Google Pay", "Samsung Pay" ], "instalment_plan": false, "additional_cards": 1, "additional_cards_offered": true, "min_credit_limit": 6000.0, "max_credit_limit": 80000.0, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "credit limit $6,000 to $80,000", "rewards programme fee $75 a year on top of the card fee", "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia", "bonus points not for anyone who has held a Bank of Melbourne, St.George or BankSA rewards card in the last 24 months", "earn rate drops to 0.5 Amplify points per $1 once $5,000 is spent in a statement cycle" ], "eligibility": [ "Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)", "You're up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)", "Have a fixed residential address in Australia" ], "ranked": true, "unranked_reason": null, "rankings": [ { "segment": "personal", "kind": "rewards", "rank": 18, "of": 24, "hidden_by_default": null } ], "source_kind": "feed", "record_stale": false, "source_url": "https://digital-api.bankofmelbourne.com.au/cds-au/v1/banking/products/BOMCCAmplifyPlatinumcardRewards", "source_snapshot": "/au/finance/credit-cards/v1/source/bank-of-melbourne/BOMCCAmplifyPlatinumcardRewards.json", "snapshot_at": "2026-10-30T23:40:12Z", "bank_last_updated": "2026-10-29T01:03:01Z", "key_facts_sheet_url": "https://www.bankofmelbourne.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet", "document_links_source": { "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "from_issuer_page": null }, { "product_id": "BOMCCAmplifySignaturecardRewards", "product_name": "Amplify Rewards Signature", "product_label": "Amplify Rewards Signature", "product_slug": "amplify-rewards-signature", "page": "/au/finance/credit-cards/cards/bank-of-melbourne/amplify-rewards-signature/", "product_url": "https://www.bankofmelbourne.com.au/personal/credit-cards/rewards/amplify-signature/summary", "terms_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/credit-cards/bom_credit_card_terms_and_conditions.pdf", "fees_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/bom-cc-fee-charges.pdf", "eligibility_url": "https://www.bankofmelbourne.com.au/personal/credit-cards/rewards/amplify-signature", "card_type": "credit", "scheme": "visa", "tier": "signature", "segments": [ "personal" ], "segment": "personal", "description": "Our top-tier credit card that lets you earn Amplify points", "purchase_rate_pct": 23.98, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "Interest on purchases", "cash_advance_rate_pct": 23.99, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 45, "annual_fee": 295.0, "fee_period": "annual", "fee_as_stated": 295.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual Card Fee", "fee_offers": [ "Amplify Rewards Signature Discounted First Year Fee:", "Existing Reduced First year Annual Card Fee" ], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": 3.5, "cash_advance_fee": null, "late_payment_fee": 20.0, "additional_cardholder_fee": null, "balance_transfer": null, "rewards_program": "Amplify Signature Rewards", "rewards_programs": [ "Amplify Signature Rewards", "Amplify Rewards Points" ], "rewards_program_fee": 75.0, "bonus_offer": "90000 Earn 90,000 Rewards bonus Points if you spend $9k+ on eligible purchases within 90 days of card approval. $199 first year card fee (reverts to $295 p.a. thereafter). 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