Amplify Rewards Credit Cards

Editor’s note: All rates, fees and offers are correct and updated on 28 January 2026

A snapshot of Amplify Rewards

Amplify Rewards is the points program for Bank of Melbourne, St.George and BankSA credit cards.

Each of those brands offer two tiers of Amplify cards: Platinum and Signature. So, you can choose the bank you like and the tier that suits your rewards goals and budget.

Here’s what the two tiers offer:

Amplify Platinum

• A more basic card than the Signature
• Earns up to 1.25 points per dollar (limits may apply)
• Often includes complimentary travel insurance
• Has a lower annual fee

Amplify Signature

• Has more features than the Platinum
• Earns up to 3 points per dollar (limits may apply)
• Includes complimentary travel insurance
• Often includes hotel discounts and complimentary lounge passes
• Has a higher annual fee

Rewards program highlights:

• Points can be converted to partner airlines Virgin Australia and Singapore Airlines (or Qantas Points via conversion to Everyday Rewards Points first).
• You can choose to earn Amplify Rewards points or Qantas Points by choosing one of Amplify’s Qantas-partner credit cards (a $75 Qantas Rewards fee applies per year).
• Points can be redeemed for merchandise, gift cards, travel, and as a rebate on your annual fee.
• Points won’t expire as long as you have an active Amplify Rewards credit card.

Choosing an Amplify Rewards credit card

Since you have two decisions to make (Bank of Melbourne, St. George or BankSA) and Platinum or Signature, let’s do a quick dive into comparing the options. Just remember each credit card has its own features and points rates, so most likely you’ll choose by features rather than the brand of bank.

Comparing banks

You may want to choose a specific bank if:

• You already hold a bank account with St.George, Bank of Melbourne of BankSA and want to keep things streamlined
• You are offered a discount or benefit for signing up if you’re an existing customer
• Branch access matters to you, in which case you may want see where the local bank locations are

Comparing credit cards

To compare properly, we’re going to break down a few important features of the Amplify Rewards program and the range of credit cards. We’ll look at how many points you can earn, how to redeem them and other features of Amplify’s cards.

Earning points on Amplify Rewards credit cards

Points are the big feature on Amplify Rewards credit cards. These cards don’t keep it simple though; points are often tiered or vary depending on the purchase.

Here’s an example of tiered points:

Bank of Melbourne Amplify Platinum earns 1.25 points per dollar on everyday spending, until you’ve spent $5000 in a month - then it switches to 0.5 points per dollar until the statement cycle resets.

Here’s an example of variable points:

Per dollar, the St.George Amplify Signature earns 3 points on international purchases, 2 on everyday spend*, and 1 on everything else. It also tiers all points down to 0.5 per dollar after $10,000 is spent in a month.

Bonus Introductory Offers

Introductory offers (also called sign-up bonus points) are often included on rewards credit cards. It gives you the chance to earn a lump sum of reward points within weeks of signing up, once you’ve met the eligibility criteria.

Here are some Amplify Rewards introductory offers:

The Bank of Melbourne Amplify Platinum includes up to 100,000 bonus Amplify points. You can earn 75,000 bonus Amplify Points when you spend $3,000 on eligible purchases within 90 days of card approval, plus 25,000 bonus points after your first eligible purchase in year 2.

The BankSA Amplify Signature Credit Card offers up to 160,000 bonus Amplify Points, split into 120,000 Rewards Points in year 1 when you spend over $12k on eligible purchases and an extra 40,000 points in year 2.

The St.George Amplify Platinum Credit Card has a 100,000 bonus points offer of 75,000 Amplify Points in year 1 if you spend $3000 on eligible purchases within 90 days of approval and an extra 25,000 after your first eligible purchase in year 2.

Note: these offers change regularly, so check the specific card for the most up-to-date offer.

Annual fee discounts

Amplify Rewards is actually great at annual fee discounts, offering it on most of its credit cards. It usually comes in the form of a discount for the first year. For example, the Bank of Melbourne Amplify Platinum card is $99 the first year, then $175 each year after that.

Annual fee discounts - especially combined with introductory bonus points - can really help you squeeze the value out of your credit card for the first 12 months.

Travel extras

The Platinum and Signature cards will generally include travel insurance. The main difference will be the length of insurance (for instance, the Signature covers 6 months of international travel, where the Platinum covers 3). Some Signature cards also include domestic travel cover and rental vehicle cover. You must meet the eligibility criteria to be covered by travel insurance.

You can also look out for lounge passes. These are a great extra for frequent travellers. Amplify partners with Priority Pass and Qantas Lounge (for Qantas-earning credit cards only), and offers 2 complimentary entries per year.

Signature cards may also include access to luxury hotel programs, which can include room upgrades, best-rate guarantees, late check-out and complimentary breakfast. Some offer concierge services, where you can request a concierge to book travel experience, source items or make hard-to-get reservations.

Other features

Amplify Rewards credit cards includes the My Offers Hub, which lets you access special offers, discounts and deals for travel, entertainment, shopping and gift cards.

To use MyOffersHub, you log in via internet banking or the card’s app. Go to “My offers and benefits” to browse the current offers from major brands like The Iconic, Myer, Lorna Jane, Sephora and Rebel. These deals are also available to additional cardholders.

Balance transfers

You won’t find too many balance transfer offers on premium rewards cards like Amplify’s. If you’re looking for a way to pay down a debt using a balance transfer, you might be better off looking at cards that are more suited for the job. Balance transfers are for paying off debt, while rewards credit cards are about smart spending.

Redeeming points

If you choose to earn Qantas Points:

Qantas Points can be redeemed for flights and upgrades, hotel stays and car rental with Qantas partners. You can shop the Qantas Store for gift cards, merchandise and experiences, to cover Qantas Club membership or Qantas health and travel insurance, or to buy goodies at Qantas Wine. Choosing to earn Qantas Points directly will cost an extra $75 per year on top of your annual fee.

If you choose to earn Amplify Rewards points:

Amplify rewards points vary in value depending on where you spend them.

Gift cards:

• 100,000 Amplify Rewards points = $450 in eGift cards
• Minimum redemption starts from 4450 points (around $20)
• Choose from major brands such as Bunnings, JB HiFi, Woolworths, Myer and Harvey Norman

You can also use your points to make charitable donations, or pay back some of your annual fee.

Travel:

• Flights and upgrades typically get the best value
• Points can be redeemed for hotel stays, activities and car hire

Transferring points to airline partners

Amplify Rewards partners with Virgin Australia and Singapore Airlines. Here’s how Amplify converts:

• Velocity Frequent Flyer (Virgin Australia)
  2 Amplify Points = 1 Velocity Point
  Often the best value for flights around Australia and short-haul international routes.
• Singapore Airlines KrisFlyer
  3 Amplify Points = 1 KrisFlyer Mile
  Great for premium cabin redemptions (e.g., Singapore Airlines business/first).

💡 You can also indirectly earn Qantas Points by converting 3000 Amplify Points to 2000 Everyday Rewards points, and then converting the Everyday Rewards points to 1000 Qantas Points.

Frequently Asked Questions

Do Amplify Rewards points expire?

No, they don’t expire while you have an active account. However once you close your account, you have 90 days to use your points.

Can you add an additional cardholder to earn more points?

Yes, you can add an extra cardholder at no extra cost. Adding extra cardholders can bump up your points, but make sure you’re able to pay it all off each month. Otherwise, you’ll pay interest which eats into the value of your points.

Can you switch between Amplify Rewards and Amplify Qantas?

Yes, you can opt into the Qantas Points program for an additional $75 per year. Your points earnings will change to reflect the switch to Qantas Points from Amplify Points.

Do the cards include international transaction fees?

Yes, Amplify Rewards cards include a 3% international transaction fee.

Which banks issue Amplify Rewards cards?

The Amplify Rewards program is offered on cards from St.George, Bank of Melbourne and BankSA. Each of these banks is a subsidiary of Westpac (which has its own program called Altitude). You’ll typically find the same features and offers on each bank’s offering, but it’s a good idea to check the small print on each regardless.