Amplify Rewards Program
Amplify Rewards offers points for your spending with a St.George, Bank of Melbourne or BankSA credit card. Here's how the program works and what these points are worth.
Amplify Rewards is a credit card rewards program offered by St.George, Bank of Melbourne and BankSA. You earn points for every dollar you spend on eligible purchases, which you can redeem for rewards like gift cards or retail items.
You can transfer your Amplify points to Virgin's Velocity program or KrisFlyer, the Singapore Airlines frequent flyer program. While you can't transfer Amplify Points to Qantas Rewards Points you can choose to earn Qantas Points via an Amplify card instead.
How much are Amplify Points worth?
Amplify Rewards points don't have a set dollar value. This is because the amount of points you need and the value of different rewards varies.
For example, you can get a $50 gift card for retailers like Bunnings, Myer or JB Hi-Fi for 11,100 Amplify Points. Dividing the $50 retail value of the gift card by the number of points give you an effective value of 0.0045, or 4.5 cents.
Estimate the value with Finder's points to dollars calculator
Tip: If you're part of the rewards program, log in to your Amplify Rewards account to see details for what you can redeem. You can also and use Finder's guide to calculate the value of points for any reward.
Converting Amplify Points to frequent flyer points?
You can transfer Amplify Points into frequent flyer points at the following rates:
- Velocity Points. 1 Velocity Point for every 2 Amplify Points.
- KrisFlyer Miles. 1 KrisFlyer Mile for every 3 Amplify Points.
How to earn Amplify Rewards Points
Earning points is simple. You need to get an Amplify Rewards Platinum or Signature credit card from St.George, Bank of Melbourne or BankSA, and then you'll earn points for every $1 you spend on eligible purchases.
Earning Amplify Points
- With an Amplify Platinum Credit Card you earn points at a rate of 1 point per dollar.
- With an Amplify Signature Credit Card you earn points at a rate of 1.5 points per dollar.
Points are automatically added to your Amplify Rewards account. And unlike some credit card rewards programs, there is no cap and no expiry. If you don't already have an Amplify Rewards credit card, you can compare them by earn rates, bonus points, costs and other features.
Tip: If you want to earn Qantas Points instead, you can choose an Amplify Qantas Platinum or Signature credit card.
Introductory bonus point offers
If you don't have an Amplify Rewards credit card, you could boost your points balance by applying for one with a bonus points offer. These offers vary and don't run all year, but in some cases you could get 100,000 bonus points (or more) by meeting a spend requirement – so be sure to look at what bonus points are on offer when you're ready to apply.
To give you an idea of the points potential, here are some examples for St.George Amplify credit cards.
| Credit card | Earn rate | Sign-up bonus offer |
|---|---|---|
| St.George Amplify Platinum Credit Card | 1 point per $1 | 100,000 bonus points when you apply by 30 April 2025 and spend $3,000 in the first 90 days. |
| St.George Amplify Signature Credit Card | 1.5 points per $1 | 150,000 bonus points when you apply by 30 April 2025 and spend $12,000 on eligible purchases in the first 12 months. |
What are "eligible purchases"?
Most of your everyday spending with an Amplify Rewards credit card will earn points and count towards a bonus point spending requirement. This includes shopping at the supermarket or other retail stores, dining out or food delivery and paying for petrol.
Spending that doesn't earn points includes ATM cash advances, cash equivalent transactions, gambling transactions, government spending, BPAY and refunds. The Amplify Rewards terms and conditions have a full list if you want to check these details before using your card.
What rewards can you redeem?
Rewards are how you get value from the points you earn. With Amplify Rewards, there are 6 categories for you to choose from when you want to redeem your points:
- Frequent flyer point transfers. You can transfer points to Velocity Frequent Flyer and Singapore Airlines KrisFlyer, with a transfer rate of 2:1 and a minimum transfer of 3,000 points for both airline loyalty programs.
- Merchandise. Coffee machines, toasters, wireless headphones and wine are some of the retail items you could redeem with points.
- Gift cards. Amplify Rewards offers physical and digital gift cards for major brands like Ampol, Bunnings, JB Hi-Fi, Woolworths and Westfield.
- Travel. You can redeem points for flights, hotels, car hire and experiences directly through Amplify Rewards.
- Annual fee rebate. If you want to save on your account costs, you can redeem points to cover the annual fee on your card.
- Donations. Points can also be used to support charities, with details shown when you log in to your account.
How to redeem your points
You can redeem your points online, through the mobile banking app or over the phone using these steps.
Internet banking
- Log on to your account through internet banking
- Select your Rewards credit card
- Go to the Account Details page
- Click on Redeem Points
- Follow the prompts
Mobile banking
- Log on to the mobile banking app
- Select your Rewards credit card
- Go to Services
- Click on Redeem Points
- Follow the prompts
Phone
- St.George Amplify Rewards: 1300 489 586
- Bank of Melbourne Amplify Rewards: 1300 600 266
- BankSA Amplify Rewards: 1300 490 641
What to think about before getting an Amplify Rewards credit card
- Earn rates. Each credit card offers a different number of points per $1 on eligible spending. But the cards with higher earn rates also have higher annual fees.
- Annual fees. These annual fees are typically higher than those offered by more basic credit cards in Australia, so it's important to weigh this cost against the value you'll get from points.
- Other features. Complimentary travel insurance, airport lounge access and introductory offers can all add to the value of a card. But they're only worth it if you can make use of them.
- Spending and repayments. Ask yourself if you'll be able to earn enough points to justify the costs. You should also consider the potential interest charges if you don't pay off the total balance by each statement's due date as this cost can quickly outweigh the value of rewards.
- Type of points and rewards. If you want to use points for travel, a credit card that directly earns Qantas Points or Velocity Points could offer more value. But if you're a member of Singapore Airlines KrisFlyer, you'll typically find similar transfer rates with other rewards programs as no credit cards in Australia offer a direct earn rate for KrisFlyer Miles.
How does Amplify Rewards compare to other credit card reward programs?
The earn rates and frequent flyer point transfer values offered through Amplify Rewards are both similar to those offered by other credit card reward programs in Australia.
The fact that it doesn't publicly show all the reward values is also similar to rewards programs from major banks Westpac and CommBank. But in comparison, the rewards programs offered by ANZ, NAB, American Express and Citi all offer more details (although both Amex and Citi recommend logging in for accurate details). So when you're comparing rewards credit cards, you can consider these details along with the rates, fees and other card features to find one you want.
Compare credit cards with Amplify Rewards
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Ask a question
how many points do l need for a flight from melbourne london
Hi Kate,
The number of points required differs depends on the time of year you book the flights, the type of ticket and a few other factors like that. It might be helpful to note that Amplify Rewards Points can be redeemed at a rate of 2:1 to both Velocity Frequent Flyer and Singapore Airlines KrisFlyer.
You can search for flights in St.George Amplify’s Travel Booking platform to see the redemption rates.
Hope this helps,
Elizabeth