Amplify Rewards Credit Cards

Compare cards linked to the Amplify Rewards program. Which card is the best match for you?

3 reviews
Up to 60,000 points. Conditions Apply.
Flexibility to choose the rewards programs that better suits you: Amplify or Qantas.
No cap on the number of points you can earn.

Amplify Rewards is a credit card loyalty program operated by three banks: St.George, Bank of Melbourne and BankSA. All three are in fact divisions of Westpac Banking Corporation.

Types of Amplify Rewards credit card

Loyalty points can be earned by the three banks’ credit card customers who hold a card with the word ‘Amplify’ included in its name. Each bank issues three separate cards, named Amplify, Amplify Platinum and Amplify Signature, with varying annual fees, points earning rates and other complimentary benefits. All three card levels have the same interest rates applied to overdue payments for purchases, and the same interest rates for cash advances.

How Amplify points are earned

Amplify Rewards points are earned on each dollar spent on eligible purchases made by primary and supplementary cardholders when using the card. Points are credited to the account of the primary cardholder. Eligible purchases include all normal personal and household expenses and bill payments, such as groceries, petrol, clothing, technology, household goods, travel and utility bills. Transactions which do not earn points include government charges (such as payments to the ATO or local government rates), interest charges, bank fees, cash advances, balance transfers, and any payments made by BPAY.

Points earning rates

The three levels of card – Amplify, Amplify Platinum and Amplify Signature – have points earning rates which tend to increase when a higher annual fee is charged. For example, at the time of writing, Amplify and Amplify Platinum cards earn 1.0 Amplify Rewards points per dollar spent, while Amplify Signature cards earn 1.5 points per dollar spent. These earning rates are, however, subject to change.

There is currently no limit to the number of points you can earn in any month or year (i.e. no points cap). No matter how long you wait before redeeming points, they will not expire provided you hold any Amplify card in good standing.

Bonus points

From time to time the banks may offer bonus points for new cardholders. The award of bonus points may be conditional on a target spending level being reached within a set time period, for example 60,000 points for spending $3,000 with the card in the first 90 days. Further bonus points may be awarded if the card account is renewed for a second year.

Signature level primary cardholders can currently qualify for a bonus of 10% of the points earned during the 12 months prior to their birthday. If 25,000 points were earned during the preceding 12 months, an additional 2,500 birthday bonus points would be credited.

Switching between Amplify Rewards and Qantas Frequent Flyer points

Although the three banks do not have dedicated cards for earning Qantas Frequent Flyer points, the various Amplify cards can effectively become QFF points earning cards if the cardholder chooses to link the card to the Amplify Qantas program rather than the Amplify Rewards program.

This choice is reversible. That is, a cardholder can switch between the two programs at will (subject to the time required to process the request) for an unlimited number of times. Any points earned in each program will, however, remain in that program. That is, Amplify points cannot be converted to Qantas points, and vice versa.

Qantas points are earned at 50% of the rate applicable to Amplify points earned with each card. Therefore, if the Amplify points earning rate were 1.0 points per dollar spent, the QFF points earning rate for the same card would be 0.5 points per dollar spent. However, where bonus points are granted to new cardholders, Amplify points and Qantas points are awarded in the same quantity: 60,000 bonus points means 60,000 points in whichever program you have chosen.

Qantas points earned with Amplify cards are identical to any other type of Qantas points. They are credited to the primary cardholder’s standard Qantas Frequent Flyer account. If new cardholders opting for the Qantas points program are not already QFF members, the bank may pay the QFF joining fee on the cardholder’s behalf.

Ways to redeem Amplify Rewards points

Amplify points can be redeemed for merchandise from an online catalogue, including homewares, fashion, technology and more. (In other words, most types of product you would expect to find in a retail department store.) Points can also be exchanged for retail gift cards and entertainment experiences, including movie tickets, as well as domestic and international airline flights and hotel accommodation.

Further options include charity donations or offsetting points against the cost of the annual card fee.

Additionally, Amplify points can be converted to frequent flyer points with Virgin Australia, Singapore Airlines and Malaysian Airlines, currently at the rate 1.0 Amplify points = 0.5 converted airline points.

Ways to redeem Qantas Frequent Flyer points

To derive the best value from Qantas points, use them to book airline flights or upgrades with Qantas, Jetstar or Qantas partner airlines. Long-haul flights and premium fare types usually deliver a better return per point.

Qantas also has an online store with the same types of products and experiences as found the Amplify Rewards online catalogue. However, the number of points required for these products usually calls for far greater card spending than if the same items were to be purchased using Amplify points.

Other complimentary benefits attached to Amplify cards

As well as rewards points, Amplify cards also offer other complimentary benefits. As expected, the higher-level, higher-fee cards offer the most benefits. The complimentary items offered may vary from time to time. They may include any of:

  • Domestic and overseas travel insurance
  • Airport lounge passes
  • Rental vehicle excess waiver
  • Extended warranty cover
  • Purchase protection insurance
  • Price guarantee cover
  • Concierge service
  • Luxury hotel discounts and privileges

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Bank of Melbourne Amplify Credit Card
Apply by 18 apr 18
4 reviews
Flexibility to choose the rewards program that better suits you.
0% p.a. for 18 months on balance transfers. (1% balance transfer fee applies).
Up to 55 days on purchases.
More info
Add to comparison
Amplify QantasAmplify Rewards
Amplify Qantas or Amplify Rewards
0.5 pts
per $1 spent
-
Bank of Melbourne Amplify Platinum Credit Card
Apply by 18 apr 18
3 reviews
Up to 60,000 points. Conditions Apply.
Flexibility to choose the rewards programs that better suits you: Amplify or Qantas.
No cap on the number of points you can earn.
More info
Add to comparison
Amplify QantasAmplify Rewards
Amplify Qantas or Amplify Rewards
0.5 pts
per $1 spent
60,000
points
after spend criteria
Bank of Melbourne Amplify Signature Credit Card
Apply by 18 apr 18
1 review
Up to 90,000 points. Conditions Apply.
No cap on the number of points you can earn.
Every year get a birthday bonus with a 10% extra points of the total points earned in the previous year.
More info
Add to comparison
Amplify QantasAmplify Rewards
Amplify Qantas or Amplify Rewards
0.75 pts
per $1 spent
90,000
points
after spend criteria
BankSA Amplify Credit Card
Apply by 18 apr 18
4 reviews
0% p.a. for 18 months on balance transfers. (1% balance transfer fee applies).
Earn 1 Amplify point per $1 spent.
Flexibility to choose between Amplify Rewards or Amplify Qantas.
More info
Add to comparison
Amplify QantasAmplify Rewards
Amplify Qantas or Amplify Rewards
0.5 pts
per $1 spent
-
BankSA Amplify Platinum Credit Card
Apply by 18 apr 18
Up to 60,000 points. Conditions Apply.
Earn 1 Amplify point per $1 spent.
Complimentary overseas travel insurance.
More info
Add to comparison
Amplify QantasAmplify Rewards
Amplify Qantas or Amplify Rewards
0.5 pts
per $1 spent
-
BankSA Amplify Signature Credit Card
Apply by 18 apr 18
1 review
Up to 90,000 points. Conditions Apply.
Earn 1.5 Amplify Points per $1 spent in Australia.
2 x complimentary airport lounge passes per year upon enrollment.
More info
Add to comparison
Amplify QantasAmplify Rewards
Amplify Qantas or Amplify Rewards
0.75 pts
per $1 spent
-
St.George Amplify Credit Card
Apply by 18 apr 18
8 reviews
3% p.a. for 36 months on balance transfers with no balance transfer fee.
$0 p.a. annual fee for the first year (save $79).
Earn points into either the Amplify Rewards program or Amplify Qantas program.
More info
Add to comparison
Amplify QantasAmplify Rewards
Amplify Qantas or Amplify Rewards
0.5 pts
per $1 spent (QFF)
-
St.George Amplify Platinum Credit Card
Apply by 18 apr 18
4 reviews
Up to 60,000 points. Conditions Apply.
No cap on the number of points you can earn.
Flexibility to choose the rewards programs that better suits you.
More info
Add to comparison
Amplify QantasAmplify Rewards
Amplify Qantas or Amplify Rewards
0.5 pt
per $1 spent (QFF)
-
St.George Amplify Signature Credit Card
Apply by 18 apr 18
5 reviews
Up to 90,000 points. Conditions Apply.
Boost your Amplify Qantas or Amplify account with 1.5 points per $1 you spend with double points earned on international spend.
Receive a birthday points bonus of 10% of the points earned in the last 12 months.
More info
Add to comparison
Amplify QantasAmplify Rewards
Amplify Qantas or Amplify Rewards
0.75 pts
per $1 spent (QFF)
-
 

Q&As about Amplify Rewards Credit Cards from customers

Q: Which banks issue Amplify credit cards?

St George Bank, Bank of Melbourne and BankSA. They are all divisions of Westpac.

Q: What are the three types of Amplify credit card?

It’s a tiered suite of cards with three levels: Amplify, Amplify Platinum and Amplify Signature. Each level has a different annual fee and varying attached benefits. Amplify has the lowest fee and benefits, Amplify Signature the highest.

Q: What benefits are attached to Amplify credit cards?

Rewards points and complimentary benefits like travel insurance and airport lounge passes. The higher the card level, the higher the annual fee and the greater the number of attached benefits.

Q: Do all Amplify credit cards charge the same annual fee?

No. The standard Amplify card has a relatively low fee, the Amplify Platinum card has a moderate fee, and the Amplify Signature card has the highest fee and benefits.

Q: How are Amplify Rewards points earned?

Each dollar spent using the card earns points at a given rate, e.g. 1.0 points per dollar. Points earning rates vary between card levels.

Q: Can you swap between Amplify Rewards and Qantas Frequent Flyer points?

Yes. When you apply for the card you will need to nominate which points program you wish to join: Amplify or Qantas. After that, you can swap between the two programs as often as you like, although it may take a little while to process your request. And any points earned stay in the program where they were earned. You can’t convert Amplify points to Qantas points, or vice versa.

Q: How are Qantas points earned?

Qantas points are earned at a set rate per dollar spent on eligible purchases, but the rate will be half of the Amplify points earning rate on the same card. (i.e. a card which earns 1.0 Amplify points per dollar will earn only 0.5 Qantas points per dollar.)

Q: Can I earn points on every single credit card transaction?

No. All regular purchases and bill payments earn points. But no points are earned on government charges (such as payments to the ATO or local government rates), interest charges, bank fees, cash advances, balance transfers, and any payments made by BPAY.

Q: What are new cardholder bonus points?

From time to time the banks may have a special offer intended to make one or more of the card types more attractive to new cardholders. This usually takes the form of bonus points, often conditional on reaching a spending target within a specified time period, e.g. 60,000 bonus points for spending $3,000 in the first 90 days. Additional bonus points may be offered in return for paying the second year’s annual fee at the end of the first 12 months.

Q: Is the number of new cardholder bonus points the same for both Amplify Rewards and Qantas?

Yes. Whichever program you select when you apply for the card, if bonus points are payable, the number given will be the same whether you choose Amplify Rewards or Qantas. The Qantas points are potentially more valuable.

Q: What are birthday bonus points?

Birthday bonus points are given only to Amplify Signature cardholders. They will receive a bonus points quantity equivalent to 10% of the points earned in the 12 months immediately preceding the primary cardholder’s birthday. This may be either Amplify points or Qantas points, or a combination of both.

Q: Can both primary and supplementary cardholders earn points?

Yes. All eligible purchases earn points, no matter which card is used.

Q: Can both primary and supplementary cardholders operate the points account?

No. All points earned are credited to the account of the primary cardholder, who is the only person able to operate the points account and make redemptions.

Q: How much is an Amplify or Qantas point worth?

It depends on which form of redemption you choose. As a general rule, a rewards or frequent flyer point redeemed for merchandise or gift cards is worth 0.5 cents or less. A frequent flyer point (including Amplify points converted to Virgin, Singapore or Malaysian airline points) redeemed for domestic economy flights could be worth around 0.9 cents. Long-haul flights or premium fares may return 1.5 cents per point, or even more.

Q: What can Amplify points be redeemed for?

There are a number of options, including:

  • Merchandise from an online catalogue
  • Retail vouchers and gift cards
  • Movie tickets and other entertainment
  • Frequent flyer points with Virgin Australia, Singapore Airlines and Malaysian Airlines
  • Domestic and international flights with a wide range of airlines
  • Hotel accommodation and tours
  • Charity donations
  • The annual card fee
Q: What can Qantas points be redeemed for?

Qantas points are redeemable for the following and more:

  • Qantas and Jetstar domestic and international award flights
  • Qantas seat upgrades
  • Award flights with Qantas partner airlines
  • Merchandise from an online catalogue
  • Retail vouchers and gift cards
  • Movie tickets and other entertainment
  • Hotel accommodation
  • Qantas Club membership
  • Car hire with Avis and Budget
  • Qantas health and travel insurance
  • Charity donations
Q: What if I don’t have enough points for my chosen redemption?

Both the Amplify and Qantas Frequent Flyer programs have a Points + Pay option. That is, if you don’t have enough points for the item you want, you can choose to pay the balance in cash.

Q: Do Amplify Points expire?

Your Amplify Points will not expire as long as your card account remains open.

Q: Is there a limit to how many Amplify Points I can earn?

There is no limit on the number of points you can earn in any month or year.

Q: What other benefits are available with Amplify cards?

The standard Amplify card has the fewest complimentary benefits, while the top-tier Amplify Signature card has the most benefits. Depending on your card level, you may find some of the following complimentary benefits attached to your card:

  • Travel insurance: domestic and international
  • Two single-entry airport lounge passes: Priority Pass or Qantas
  • Rental vehicle excess waiver
  • Extended warranty: up to 12 months extra cover
  • Purchase protection insurance
  • Price guarantee cover
  • Concierge service
  • Luxury hotel discounts and privileges

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