Amplify Rewards Credit Cards

Pauline Hatch     

St.George, Bank of Melbourne and BankSA are subsidiaries of Westpac and share the same rewards program: Amplify Rewards. The three cards within the Amplify range are tiered to suit different types of cardholders. They offer different rates for points per dollar, and a variety of features.

The Amplify Rewards Visa Card is a simple rewards card with basic extras. On the next tier up, the Amplify Rewards Platinum Visa Card provides the same earn rate (rewards points per dollar), with some more features on the side. On the top tier is the Amplify Rewards Signature Visa Card. This offers the highest earn rate and an array of extra perks, such as airport lounge passes and access to the Visa Luxury Hotels program.

Amplify Rewards is a flexible program with the option to choose Qantas Points instead, if you're more inclined to want points for travel with Qantas. With the Amplify Rewards program you can book travel through Amplify Travel, or redeem your points within the Amplify Store for gift cards, merchandise and more. You also have the option to transfer your points to partner programs Velocity, Singapore Airlines’ KrisFlyer and Malaysia Airlines’ Enrich.

Time to compare? On this page, you can compare Amplify Rewards cards quickly and easily, making use of our comparison tool to see how each card stacks up in terms of earn rate, bonus points, annual fee and more. Click on the card you like to read our full review, and apply online to be directed to the provider's website.
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Amplify Rewards And You

Want to find out more about the Amplify Rewards program? We can make that happen. On this page, you can find out all the important info regarding how the Amplify Rewards program works and what it has to offer. We’ll also look at the range of cards within the Amplify Rewards family to see what features each card provides, and who they work best for.

The Amplify Rewards Cards Range

Designed to suit the needs of different levels of cardholder, there are three cards on offer within the Amplify Rewards range. Within this tiered offering, there is the basic Amplify Rewards Visa Card, the mid-level Amplify Rewards Platinum Visa Card, and the top-of-the-pack Amplify Rewards Signature Visa Card. Here’s what each card has to offer.

Amplify Rewards Visa Card: With the range’s lowest annual fee, this entry-level card would likely work best for cardholders who want to earn rewards, but who don’t need any additional extras. It offers the same earn rate as its platinum cousin, earning 1 Amplify Point for every $1 spent on eligible purchases, uncapped.

Amplify Rewards Platinum Visa Card: Charging a slightly higher annual fee, this card provides the same earn rate as the entry-level card at 1 Amplify Point per $1 uncapped, but sells itself on its extras. These focus on insurances, providing cover on overseas travel and retail purchases, with extended warranty, price guarantee and purchase protection.

Amplify Rewards Signature Visa Card: With a much higher annual fee than the other two options, this card provides an earn rate of 1.5 Amplify Points per $1, uncapped, with a host of extras thrown in as well. These include two Priority Pass invitations each year, access to the Visa Luxury Hotels program, the services of a Personal Concierge, and the range of insurance covers offered on the platinum card.

Amplify Rewards Introductory Offers

Aside from their tiered earn rates and extras, each of the cards within the Amplify Rewards range may also set itself apart with an introductory offer. Again, introductory offers tend to be tiered, with the Platinum and Signature cards providing bigger offers than their standard cousin. Here are some introductory offers to be on the lookout for.

Bonus Points: Amplify Rewards cards are rewards cards above all else. And what better way to entice new cardholders to sign up for a rewards card than with a bonus points offer? With this type of offer, new cardholders can get their hands on a chunk of bonus points, typically after making a minimum spend within the first few months. Those bonus points can be an amazing boost, with the option to receive them as Amplify Rewards or Qantas Points.

Reduced Annual Fee: Making a rewards card work means getting more value from the points you earn than you pay out in annual fees. With an introductory offer reducing the card’s standard annual fee, value is much easier to come by, in the first year at least. It can also work well for cardholders who want to give the card a ‘test drive’ before deciding if they want to keep it long term.

Balance Transfers: Within the Amplify Rewards range, you may find a balance transfer offer or two. These offers allow you to transfer the balance from your current credit card to take advantage of a much lower rate over an introductory period. While these offers can help you pay down your debt faster, they don’t always work well on rewards cards that entice you to spend – unless you know you can pay down both your new balance and your transferred balance.

0% Purchases: These are perhaps not as common as the other types of introductory offers, but it’s still possible to find offers on purchases now and then. With a 0% purchase offer, you will pay no interest on your purchases throughout the introductory period, making it a great way to save on interest.

The Amplify Rewards Program

One of the first things you will need to think about when you apply for an Amplify Rewards card is whether you want to earn Amplify Rewards or Qantas Points. Each card in the range allows cardholders to earn Amplify Rewards, or to opt in to earn Qantas Points either directly into their Qantas account or on a monthly sweep basis.

When making your choice, consider what kind of value your spending will provide on each program. If there are bonus points up for grabs, look at what each chunk of bonus points will equate to when redeemed.

Earning Points

When using your card day to day, all eligible spending will accrue points on your chosen program according to the earn rate on your card. As there is no points cap in place on any of the cards, you can earn as many points as your spending allows. It’s also nice to see that each card allows one extra cardholder at no extra cost, so points can stack up even faster.

If you have the Amplify Rewards Signature Visa Card, you can also benefit from birthday bonus points. With this feature, you receive a birthday bonus of 10% of the points you earned in the past year. So, say you earned 40,000 points in that year, you would receive 4,000 points as a birthday bonus. This may be either Amplify Points or Qantas Points, or a combination of both.

Redeeming Points

How you redeem your points will depend on which program you earn on.

Within the Amplify Rewards program, you can redeem your points in the Amplify Store on anything from gift cards to tech. You also have the option to use your points to cover your annual fee. If you’re more interested in travel, you can redeem points for travel using the program’s Amplify Travel portal, to cover everything from flights and accommodation to tours and car hire.

By opting into the Qantas program, you can redeem points for flights and upgrades, or for hotel stays and car rental with Qantas partners. You can shop 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.

Transferring Points

Earning on the Amplify Rewards program also provides you the option to transfer your points to any of the program’s three partners, Virgin Australia’s Velocity, Singapore Airlines’ KrisFlyer and Malaysia Airlines’ Enrich.

Currently, the transfer rate within each program is 2 to 1. That means, when you transfer out of the Amplify Rewards program, you would receive 1 point or mile within your chosen program for every 2 Amplify Rewards points transferred.

Choosing Amplify

Is Amplify Rewards for you? As a flexible rewards program, Amplify Rewards certainly has plenty to offer. With the option to earn Amplify Rewards, you have a host of redemption options open to you, including transfer to Velocity, KrisFlyer and Enrich. Alternatively, if you think you would get more out of the Qantas program, you can opt in to earn Qantas Points instead.

As for extras, these are on par with similar cards currently on the market. It’s up to you to choose the level of card that best suits your spending style, with the extras that provide value to you. Before you choose, simply work out the value of points you would earn on each card, and compare that to the card’s annual fee. Bear in mind, extras (that you will actually use) add extra value to the card.

Can you swap between earning Amplify Rewards and Qantas Points?

Whether you opt in to earn Amplify Rewards or Qantas Points when you first apply for an Amplify Rewards card, you still have the option to change your mind later on down the line. In fact, you can swap between the programs as often as you like.

In terms of intro offers, you may find that you get more value from opting in to the Qantas program to start with. As an example, on the Amplify Rewards Platinum Visa Card, you could earn 100,000 bonus points on the Amplify Rewards program, or 60,000 bonus points on the Qantas program.

Considering the fact that, according to the everyday earn rate on this card, you earn 1 point per $1 on the Amplify Rewards program and 0.5 points per $1 on the Qantas program, that bonus points offer would be more valuable taken in Qantas Points.

However, it’s worth remembering that points within each program always remain in the program in which they were earned. You can’t convert Amplify Rewards points to Qantas Points, or vice versa.

Can you add an additional cardholder to earn more points?

Each card within the Amplify Rewards range allows one extra cardholder at no extra cost. By adding a trusted friend or family member to the account, you can benefit from a bigger points earn thanks to their additional spending. And with no points cap in place on any of the cards, there is no limit to the number of points you can accrue.

Of course, you will need to be able to pay off all that spending before it starts attracting interest, or you’ll lower the value of the points you earn.

Which banks issue Amplify Rewards cards?

You will only find Amplify Rewards offered on cards issued by St.George, Bank of Melbourne and BankSA. Each of these banks is a subsidiary of Westpac. Comparing each card, you will usually 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.

Pauline Hatch

Pauline Hatch is a personal finance expert at with 8 years of finance writing under her belt. She loves turning complex money concepts into simple, practical actions so you can win financially. You can ask Pauline any questions by submitting a comment below and get a personal reply.

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3 questions (showing the latest 10 Q&As)



2 May 2023
does my amplify rewards cards have an international use fee?
    Pauline -


    3 May 2023
    Hi Val, I checked on the different Amplify Rewards credit cards, and yes, there’s a 3% foreign transaction fee when you use the card overseas (or online with merchants that process payment outside of Australia).


15 November 2022
I am on a age pension l would like to borrow $4000.00 to $5000.00 interest free do you think l would be approved.
    Pauline -


    16 November 2022
    Hi Josephine, approval depends on a variety of criteria. First, you could check your credit score online for a better idea of whether you’d be approved or not. You can also take a look at our page <a href="" rel=“noopener noreferrer” target=“_blank”>Top Cards for Pensioners to see cards that are better suited to people on low incomes or pensions. A few of the cards there offer a bonus interest-free period of around 20 months. All the best Josephine!


10 October 2020
How does one qualify for the "2nd" gift card reward thru Bellco Fed.Credit U.? How many days does it take to arrive.
    Roland B Bleyer - Founder


    12 October 2020
    Hi Ted, sorry we are an Australian credit card comparison site. The card you are talking about appears to be in the US. Reach out to someone at Bellco.
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