Amplify Rewards Credit Cards

Compare cards from Bank of Melbourne, BankSA, and St.George linked to the Amplify Rewards program.

By   |   Verified by David Boyd   |   Updated 27 May 2024

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Comparing Amplify Rewards credit cards

St.George Amplify Signature Credit Card (Amplify)

On website

Apply by 31 July 2024

St.George Amplify Signature Credit Card (Amplify)

Rewards program

Amplify Rewards, Amplify Qantas

Points per $1 spent

1.5 points

Sign up bonus

150,000 points

Annual fee

$199.00 for 1st year

Highlights

  • Up to 150,000 Bonus Amplify Rewards Points earned upon spending $12,000 on eligible purchases within the first 12 months from card approval.
  • Initial card fee of $199 for the first year ($295 p.a. thereafter).
  • 0% p.a. interest for 24 months on balance transfers with a 1% balance transfer fee applied to transferred amounts.
  • Comes with complimentary overseas travel insurance coverage for up to 6 months.

Pros

  • The 150,000 bonus Amplify Rewards Points.
  • Save $96 with the $199 card fee for the first year.
  • Enjoy 2 complimentary Priority Pass lounge visits each year when you enroll in Priority Pass.
  • Comes with concierge services.

Cons

  • After the initial year, the annual fee is $295 p.a.
  • There is a 1% balance transfer fee.
St.George Amplify Platinum Credit Card (Amplify)

On website

Rewards program

Amplify Rewards

Points per $1 spent

1 point

Sign up bonus

100,000 points

Annual fee

$49.00 for 1st year

Highlights

  • Earn 100,000 bonus Amplify Points upon spending $3,000 on eligible purchases within 90 days from card approval, potentially valued at up to $450 in eGift cards. Exclusions apply.
  • 0% interest for 24 months on balance transfers with a 1% balance transfer fee, which then reverts to the cash advance rate of 21.49% p.a.
  • Enjoy a discounted annual fee of $49 p.a. for the first year ($124 p.a. annual fee thereafter).

Pros

  • The 100,000 bonus Amplify Points.
  • Earn uncapped Amplify Points per dollar on eligible purchases.
  • 0% p.a. for 24 months on balance transfers.
  • Comes with complimentary insurance (terms, conditions, exclusions, and eligibility criteria apply).
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • There is a 1% balance transfer fee. Other cards offer 0% balance transfer free.
BankSA Amplify Platinum Credit Card (Amplify)

On website

Rewards program

Amplify Rewards

Points per $1 spent

1 point

Sign up bonus

100,000 points

Annual fee

$99.00 for 1st year

Highlights

  • Earn up to 100,000 bonus Amplify Points when you spend $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • 0% for 24 months on balance transfers with a 1% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
  • $49 p.a. annual fee for the first year ($124 p.a. annual fee thereafter)

Pros

  • The 100,000 bonus Amplify Points.
  • 0% for 24 months on balance transfers.
  • Comes with complimentary insurance (terms, conditions, exclusions, and eligibility criteria apply).
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • There is a 1% balance transfer fee. Other cards offer 0% balance transfer free.
BankSA Amplify Signature Credit Card (Amplify)

On website

Rewards program

Amplify Rewards

Points per $1 spent

1.5 points

Sign up bonus

150,000 points

Annual fee

$199.00 for 1st year

Highlights

  • Earn up to 150,000 Bonus Amplify Rewards Points over 2 years when you spend $12,000 on eligible purchases within the first 12 months from card approval.
  • 0% p.a. for 24 months on balance transfers with a 1% balance transfer fee on amounts transferred.
  • $199 p.a. annual fee for the first year ($295 p.a. annual fee thereafter)

Pros

  • The 150,000 bonus Amplify Rewards Points.
  • 0% p.a. for 24 months on balance transfers.
  • Includes complimentary overseas travel insurance for up to 6 months

Cons

  • There is a 1% balance transfer fee.
  • The annual fee reverts to $295 p.a. after the initial year.
Bank of Melbourne Amplify Platinum Credit Card (Amplify)

On website

Rewards program

Amplify Rewards

Points per $1 spent

1 point

Sign up bonus

100,000 points

Annual fee

$49.00 for 1st year

Highlights

  • Earn up to 100,000 bonus Amplify Points when you spend $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • 0% for 24 months on balance transfers with a 1% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
  • $49 p.a. annual fee for the first year ($124 p.a. annual fee thereafter)

Pros

  • The 100,000 bonus Amplify Points.
  • 0% for 24 months on balance transfers.
  • Comes with complimentary insurance (terms, conditions, exclusions, and eligibility criteria apply).
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • There is a 1% balance transfer fee. Other cards offer 0% balance transfer free.
St.George Amplify Signature Credit Card (Qantas)

On website

Rewards program

Amplify Qantas

Points per $1 spent

0.75 points

Sign up bonus

90,000 points

Annual fee

$279.00 p.a. ongoing

Highlights

  • Earn up to 90,000 bonus Qantas Points when you spend $6,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • 0% p.a. for 24 months on balance transfers with 1% balance transfer fee on amounts transferred.
  • Includes complimentary overseas travel insurance for up to 6 months


From 1 January 2022, earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. Bonus Qantas Points not included in the cap.


Pros

  • The 90,000 bonus Qantas Points.
  • 0% p.a. for 24 months on balance transfers.
  • Includes complimentary overseas travel insurance for up to 6 months

Cons

  • There is a 1% balance transfer fee.
  • The ongoing annual fee is high at $279 p.a.
St.George Amplify Platinum Credit Card (Qantas)

On website

Apply by 31 July 2024

St.George Amplify Platinum Credit Card (Qantas)

Rewards program

Amplify Qantas

Points per $1 spent

1 point

Sign up bonus

70,000 points

Annual fee

$49.00 for 1st year

Highlights

  • Up to 70,000 bonus Qantas Points earned upon spending $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • 0% p.a. interest for 24 months on balance transfers with a 1% balance transfer fee, which then reverts to the cash advance rate.
  • Earn 0.5 points per $1 spent (uncapped). Additionally, receive a complimentary Qantas membership fee, saving you $99.50!

Pros

  • The 70,000 bonus Qantas Points.
  • Discounted annual fee on the first year.
  • Complimentary travel and purchase insurance.

Cons

  • There is a 1% balance transfer fee.
  • Points earning rate of 0.5 points is lower than others.
BankSA Amplify Signature Credit Card (Qantas)

On website

Rewards program

Amplify Qantas

Points per $1 spent

0.75 points

Sign up bonus

90,000 points

Annual fee

$295.00 p.a. ongoing

Highlights

  • Receive up to 90,000 bonus Qantas Points upon spending $6,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • Enjoy 0% p.a. for 24 months on balance transfers with a 1% balance transfer fee on transferred amounts.
  • Benefit from complimentary overseas travel insurance for up to 6 months.

Pros

  • The 90,000 bonus Qantas Points.
  • 0% p.a. for 24 months on balance transfers.
  • Includes complimentary overseas travel insurance for up to 6 months

Cons

  • There is a 1% balance transfer fee.
  • The annual fee of $295 p.a.
BankSA Amplify Platinum Credit Card (Qantas)

On website

Rewards program

Amplify Qantas

Points per $1 spent

0.5 points

Sign up bonus

60,000 points

Annual fee

$99.00 for 1st year

Highlights

  • Receive up to 70,000 bonus Amplify Points. Acquire 60,000 Qantas Points in the first year upon spending $3k+ on eligible purchases within the initial 90 days from new card approval, and an additional 10,000 points after your first eligible purchase in the second year.
  • Enjoy 0% p.a. for 24 months on balance transfers with a 1% balance transfer fee, reverting to the cash advance rate.
  • Earn 0.5 points per $1 spent (uncapped) and receive a complimentary Qantas membership fee, saving you $99.50!

Pros

  • The 70,000 bonus Qantas Points.
  • Discounted annual fee on the first year.
  • Complimentary travel and purchase insurances.

Cons

  • There is a 1% balance transfer fee.
  • Points earning rate of 0.5 points is lower than others.
Bank of Melbourne Amplify Platinum Credit Card (Qantas)

On website

Rewards program

Amplify Qantas

Points per $1 spent

0.5 points

Sign up bonus

60,000 points

Annual fee

$99.00 for 1st year

Highlights

  • Receive up to 70,000 bonus Amplify Points. Acquire 60,000 Qantas Points in the first year upon spending $3k+ on eligible purchases within the initial 90 days from new card approval, and an additional 10,000 points after your first eligible purchase in the second year.
  • Benefit from 0% interest for 24 months on balance transfers with a 1% balance transfer fee, reverting to the cash advance rate of 21.49% p.a.
  • Pay an annual fee of $99 for the first year ($124 thereafter).
  • Earn 0.5 points per $1 spent (uncapped). Plus, get a complimentary Qantas membership fee. Saving you $99.50!


From 1 January 2022, earn 0.5 Qantas Points per $1 up to a maximum of $100,000 spent on eligible purchases annually. Bonus Qantas Bonus Qantas Points not included in the cap.


Pros

  • The 70,000 bonus Qantas Points.
  • 0% p.a. for 24 months on balance transfers.
  • Complimentary travel and purchase insurance.

Cons

  • There is a 1% balance transfer fee.
  • Points earning rate of 0.5 points is lower than others.

Amplify Rewards is a loyalty program operated by St.George, Bank of Melbourne, and BankSA, which are subsidiaries of Westpac.

Types of Amplify Rewards credit cards

Each bank offers two cards: Amplify Platinum and Amplify Signature.

  • Annual fees, points earning rates, and benefits vary between cards.
  • Both cards have the same interest rates for overdue payments and cash advances.

Earning Points with Amplify Rewards Credit Cards

Amplify Rewards points are earned on each dollar spent on eligible purchases by both primary and supplementary cardholders. Points are credited to the primary cardholder’s account.

Eligible purchases include regular personal and household expenses such as groceries, petrol, clothing, technology, household goods, travel, and utility bills. Transactions that do not earn points include government charges (e.g., ATO payments), interest charges, bank fees, cash advances, balance transfers, and BPAY payments.

Amplify Rewards Points earn rates

  • Amplify Platinum: Earns 1 Amplify Rewards point per dollar spent.
  • Amplify Signature: Earns 1.5 points per dollar spent.

Points do not expire as long as the card account is in good standing, and there is no cap on the amount of points you can earn.

Bonus points for signing up

Occasionally, sign-up bonus points are offered to new cardholders who meet spending targets within a set period, such as 60,000 points for spending $3,000 in the first 90 days. Signature cardholders can also earn a 10% bonus on points earned 12 months before their birthday.

Switching between Amplify Rewards and Qantas Frequent Flyer Points

While there are no dedicated cards for Qantas Frequent Flyer points, Amplify cards can be linked to Amplify Rewards or the Amplify Qantas program. Cardholders can switch between the two programs as needed. Points earned in each program remain within that program and cannot be converted.

  • Qantas Points earn rate: Typically, Qantas Points are earned at half the rate of Amplify points. For example, a card earning 1.0 Amplify points per dollar would earn 0.5 Qantas points per dollar.
  • Bonus points: The same bonus points are awarded regardless of the chosen program.

Complimentary Benefits of Amplify Cards

Higher-level cards with higher fees offer more benefits. These may include:

Help choosing an Amplify Rewards credit card

Unlock the best rewards for your spending with expert guidance on choosing the right Amplify Rewards credit card.

  • FAQs

Do all Amplify credit cards charge the same annual fee?

No. Amplify Platinum has a moderate fee, while Amplify Signature has the highest fee and offers the most benefits.

Can I earn points on every single credit card transaction?

No. Points are earned on regular purchases and bill payments but not on government charges, interest charges, bank fees, cash advances, balance transfers, or BPAY payments.

What are birthday bonus points?

Amplify Signature cardholders receive a bonus of 10% of the points earned in the 12 months prior to the primary cardholder’s birthday.

Can both primary and supplementary cardholders earn points?

Yes. Points are earned on eligible purchases made by both primary and supplementary cardholders.

Can both primary and supplementary cardholders operate the points account?

No. Only the primary cardholder can operate the points account and make redemptions.

Do balance transfers to an Amplify Rewards credit card earn points?

No. Balance transfers do not earn points.

Do cash advances earn Amplify Rewards points?

No. Cash advances and equivalent transactions do not earn points.