Amplify Rewards Credit Cards

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

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Updated 12 Dec 2024   |   Rates updated regularly

Comparing of 11 Amplify Rewards credit cards

Apply by 30 April 2025
St.George Amplify Signature Credit Card (Amplify)

On St.George's website

St.George Amplify Signature Credit Card (Amplify)

3.5

Rewards program

Amplify Rewards

Points per $1 spent

1.50 Amplify Rewards points

Sign up bonus

150,000 Amplify Rewards points

Annual fee

$199.00 for 1st year

Details

  • Earn 150,000 Bonus Amplify Rewards Points (equivalent to up to $675 in eGift cards) by spending $12,000 on eligible purchases in your first year. Terms and Conditions apply.
  • Earn 1.5 points for every $1 spent on eligible domestic and overseas purchases.
  • Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Get 2 free Priority Pass lounge visits each year.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros & cons

Pros
  • Earn 150,000 Bonus Amplify Points when you meet the criteria.
  • No limit on the points you can earn, which is great for high spenders.
  • The discounted annual fee for the first year.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • After the first year, the annual fee reverts to $295 p.a., so factor this into long-term costs.
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
Apply by 30 April 2025
St.George Amplify Platinum Credit Card (Amplify)

On St.George's website

St.George Amplify Platinum Credit Card (Amplify)

3.7

Rewards program

Amplify Rewards

Points per $1 spent

1 Amplify Rewards point

Sign up bonus

100,000 Amplify Rewards points

Annual fee

$49.00 for 1st year

Details

  • Earn 100,000 Bonus Amplify Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 1 point for every $1 spent on eligible domestic and overseas purchases.
  • You can use your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros & cons

Pros
  • Earn 100,000 Bonus Amplify Points when you meet the criteria.
  • No limit on the points you can earn, which is great for high-spenders.
  • The discounted annual fee for the first year.
  • Get access to Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
Apply by 30 April 2025
BankSA Amplify Platinum Credit Card (Amplify)

BankSA Amplify Platinum Credit Card (Amplify)

4.6

Rewards program

Amplify Rewards

Points per $1 spent

1 Amplify Rewards point

Sign up bonus

100,000 Amplify Rewards points

Annual fee

$49.00 for 1st year

Details

  • Earn 100,000 Bonus Amplify Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 1 point for every $1 spent on eligible domestic and overseas purchases.
  • You can use your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros & cons

Pros
  • Earn 100,000 Bonus Amplify Points when you meet the criteria.
  • No limit on the points you can earn, which is great for high-spenders.
  • The discounted annual fee for the first year.
  • Get access to Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
Apply by 30 April 2025
BankSA Amplify Signature Credit Card (Amplify)

BankSA Amplify Signature Credit Card (Amplify)

4.6

Rewards program

Amplify Rewards

Points per $1 spent

1.50 Amplify Rewards points

Sign up bonus

150,000 Amplify Rewards points

Annual fee

$199.00 for 1st year

Details

  • Earn 150,000 Bonus Amplify Rewards Points (equivalent to up to $675 in eGift cards) by spending $12,000 on eligible purchases in your first year. Terms and Conditions apply.
  • Earn 1.5 points for every $1 spent on eligible domestic and overseas purchases.
  • Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Get 2 free Priority Pass lounge visits each year.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros & cons

Pros
  • Earn 150,000 Bonus Amplify Points when you meet the criteria.
  • No limit on the points you can earn, which is great for high-spenders.
  • The discounted annual fee for the first year.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • After the first year, the annual fee reverts to $295 p.a., so factor this into long-term costs.
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
Apply by 30 April 2025
Bank of Melbourne Amplify Platinum Credit Card (Amplify)

Bank of Melbourne Amplify Platinum Credit Card (Amplify)

4.6

Rewards program

Amplify Rewards

Points per $1 spent

1 Amplify Rewards point

Sign up bonus

100,000 Amplify Rewards points

Annual fee

$49.00 for 1st year

Details

  • Earn 100,000 Bonus Amplify Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 1 point for every $1 spent on eligible domestic and overseas purchases.
  • You can use your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros & cons

Pros
  • Earn 100,000 Bonus Amplify Points when you meet the criteria.
  • No limit on the points you can earn, which is great for high-spenders.
  • The discounted annual fee for the first year.
  • Get access to Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
Apply by 30 April 2025
St.George Amplify Signature Credit Card (Qantas)

On St.George's website

St.George Amplify Signature Credit Card (Qantas)

4.6

Rewards program

Amplify Qantas

Points per $1 spent

0.75 Qantas Points

Sign up bonus

80,000 Qantas Points

Annual fee

$295.00 p.a. ongoing

Details

  • Earn 80,000 bonus Qantas points when you spend at least $6,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 0.75 points for every $1 spent on eligible domestic and overseas purchases.
  • Earn 2x points on purchases with Qantas Frequent Flyer partners—once with your card and once with the airline partner.
  • Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
  • Get 2 Qantas lounge passes each year, perfect for adding comfort to your travels.

Pros & cons

Pros
  • Earn 80,000 Bonus Qantas Points when you meet the criteria.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Includes fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • Earnings are capped at $250,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.75 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, which is worth it if you regularly earn points.
Apply by 30 April 2025
St.George Amplify Platinum Credit Card (Qantas)

On St.George's website

St.George Amplify Platinum Credit Card (Qantas)

4.2

Rewards program

Amplify Qantas

Points per $1 spent

0.50 Qantas Points

Sign up bonus

50,000 Qantas Points

Annual fee

$99.00 for 1st year

Details

  • Earn 50,000 Qantas Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 0.5 points for every $1 spent on eligible domestic and overseas purchases.
  • Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros & cons

Pros
  • Earn 50,000 bonus Qantas Points when you meet the criteria.
  • The discounted annual fee for the first year.
  • Get access to Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • Earnings are capped at $100,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.5 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, worth it if you regularly earn points.
Apply by 30 April 2025
BankSA Amplify Signature Credit Card (Qantas)

BankSA Amplify Signature Credit Card (Qantas)

4.2

Rewards program

Amplify Qantas

Points per $1 spent

0.75 Qantas Points

Sign up bonus

80,000 Qantas Points

Annual fee

$295.00 p.a. ongoing

Details

  • Earn 80,000 bonus Qantas points when you spend at least $6,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 0.75 points for every $1 spent on eligible domestic and overseas purchases.
  • Earn 2x points on purchases with Qantas Frequent Flyer partners—once with your card and once with the airline partner.
  • Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
  • Get 2 Qantas lounge passes each year, perfect for adding comfort to your travels.

Pros & cons

Pros
  • Earn 80,000 Bonus Qantas Points when you meet the criteria.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • Earnings are capped at $250,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.75 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, which is worth it if you regularly earn points.
Apply by 30 April 2025
BankSA Amplify Platinum Credit Card (Qantas)

BankSA Amplify Platinum Credit Card (Qantas)

4.6

Rewards program

Amplify Qantas

Points per $1 spent

0.50 Qantas Points

Sign up bonus

50,000 Qantas Points

Annual fee

$99.00 for 1st year

Details

  • Earn 50,000 Qantas Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 0.5 points for every $1 spent on eligible domestic and overseas purchases.
  • Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros & cons

Pros
  • Earn 50,000 bonus Qantas Points when you meet the criteria.
  • The discounted annual fee for the first year.
  • Get access to Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • Earnings are capped at $100,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.5 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, worth it if you regularly earn points.
Apply by 30 April 2025
Bank of Melbourne Amplify Platinum Credit Card (Qantas)

Bank of Melbourne Amplify Platinum Credit Card (Qantas)

4.9

Rewards program

Amplify Qantas

Points per $1 spent

0.50 Qantas Points

Sign up bonus

50,000 Qantas Points

Annual fee

$99.00 for 1st year

Details

  • Earn 50,000 Qantas Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 0.5 points for every $1 spent on eligible domestic and overseas purchases.
  • Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros & cons

Pros
  • Earn 50,000 bonus Qantas Points when you meet the criteria.
  • The discounted annual fee for the first year.
  • Get access to Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.
Cons
  • Earnings are capped at $100,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.5 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, worth it if you regularly earn points.
BankSA Amplify Business Credit Card (Amplify Rewards)

BankSA Amplify Business Credit Card (Amplify Rewards)

Rewards program

Amplify Rewards

Points per $1 spent

1 Amplify Point

Sign up bonus

N/A

Annual fee

$0.00 for 1st year

Details

  • Earn points without limits, no matter how much you spend.
  • Earn double Amplify points on eligible overseas transactions.
  • Includes Transit Accident Insurance and Unauthorised Transaction Insurance, ideal for business trips and transactions.

Pros & cons

Pros
  • The $0 annual card fee for the first year saves you money while enjoying the card's benefits.
  • Earn 1 Amplify point per $1 on domestic transactions and 0.5 Amplify points on government payments.
  • Share your account benefits with 3 additional cardholders at no extra cost.
  • Simplify tax reporting by exporting expenses directly into MYOB and BAS or through an Excel file.
  • Convert your points for appliances, gift cards, charitable donations, entertainment, and more.
  • Turn your points into travel opportunities by booking a domestic or international flight.
  • Use your points with leading frequent flyer programs such as Virgin Australia's Velocity program or Singapore Airlines' KrisFlyer program for added flexibility.
Cons
  • The cash advance rate is 20.24% p.a.
  • Foreign transactions incur a 3% fee but earn 2x points on eligible overseas spending, letting you maximize rewards.

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

Details on how to select and use Amplify Rewards credit cards for their lifestyle benefits and rewards.

  • 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.

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