Finder makes money from featured partners, but editorial opinions are our own.
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 loyalty program offered by St.George, Bank of Melbourne and BankSA. It gives you a way to earn points per $1 on eligible spending, with rewards including gift cards, frequent flyer points, travel and retail items.
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.
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 prefer frequent flyer points, you can also earn Qantas Points through the Amplify Qantas credit card range.
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.
150,000 bonus points when you apply by 30 April 2024 and spend $12,000 on eligible purchases in the first 12 months.
10% of points earned in last 12 months on your birthday
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 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 and you need to log in to your account to see all the details.
But you can get an estimate with Finder's points to dollars calculator.
As another example, when we checked the St.George Amplify Rewards website in June 2023, you could redeem an Apple Watch Series 6 40mm in the merchandise category for 134,225 points. Based on a retail price of $499, each point would be worth $0.0037 or 3.7 cents.
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.
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.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Amplify Rewards Signature credit cards also offer a Birthday Bonus, which gives you an additional 10% of the points earned in the previous 12 months.
No, Amplify Rewards points do not expire while your credit card account is active. This means you can build your points up over time as you work towards your rewards goals. If you close your account, you have 90 days to use your points.
You can check how many St.George Amplify points you have by logging onto your mobile or Internet banking. You can also call the St.George Amplify Rewards Centre on 1300 489 586 (8am–8pm, AEST, Monday to Friday excluding national public holidays).
Amy Bradney-George is the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 14 years’ experience as a journalist, with a particular focus on personal finance, and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.
Well-known among frequent flyers and point chasers, this controversial strategy involves taking advantage of bonus point offers on different credit cards.
The Myer Credit Card earns MYER one Credits on eligible spending and interest-free offers at Myer, but it's not currently available for new applications.
Credit card rewards and other loyalty programs have the potential to offer you extra value for your spending – here’s how to work out if you are getting it.
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.
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan and read any disclosure documents (such as any Target Market Determination (TMD) and/or Product Disclosure Statement (PDS)) issued by the provider before making a decision.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
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