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Compare cards linked to the Amplify Rewards program. Which card is the best match for you?
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.
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:
St George Bank, Bank of Melbourne and BankSA. They are all divisions of Westpac.
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.
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.
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.
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.
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.
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.)
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.
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.
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.
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.
Yes. All eligible purchases earn points, no matter which card is used.
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.
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.
There are a number of options, including:
Qantas points are redeemable for the following and more:
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.
Your Amplify Points will not expire as long as your card account remains open.
There is no limit on the number of points you can earn in any month or year.
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: