St.George, Bank of Melbourne and BankSA all share the same rewards program—Amplify Rewards—a flexible points program which should be considered if you’re looking for a rewards-based credit card. You can also choose to link the account to Qantas Frequent Flyer and earn Qantas Points.
In this guide, we cover the Amplify Rewards card range, the best partners to transfer your points to, and how to maximise your frequent flyer balances.
The Amplify Rewards Cards Range
There are three cards across the range—the Amplify Signature Visa offers the highest points earn on spend across the range plus a host of travel perks including lounge access, the Amplify Rewards Platinum Visa–a lower fee card with lower earn rates and some benefits, and the Amplify Rewards Visa – an entry level points-earning card with low annual fee.
Effective Frequent Flyer Program Point Earn Rates
Frequent Flyer Program | Effective earn rate |
---|---|
Qantas Points* | 0.75 point / $ |
Singapore Airlines KrisFlyer Miles | 0.75 mile / $ |
Malaysia Airlines Enrich Miles | 0.75 mile / $ |
* Qantas Points are only earned if selected upon receiving the card |
Effective Frequent Flyer Program Point Earn Rates
Frequent Flyer Program | Effective earn rate |
---|---|
Velocity Points | 0.5 point / $ |
Singapore Airlines KrisFlyer Miles | 0.5 mile / $ |
Malaysia Airlines Enrich Miles | 0.5 mile / $ |
The entry-level Amplify Rewards Visa offers the same earn rate on spend as the Amplify Rewards Platinum but comes with no extra benefits like insurances, which is in line with most other low fee cards in the market.
Qantas vs Amplify Rewards
When you first get your card, you’ll need to choose whether you want it to accrue points into Qantas Frequent Flyer directly, on a monthly sweep basis, or into the Amplify Rewards program.
Amplify Rewards
The benefit of Amplify Rewards is that you can accrue points which you can then have some flexibility in how you use them. There’s more on this approach to earning points in this overview of flexible points programs.
The transfer rate to Amplify Rewards’ frequent flyer partners— Singapore Airlines’ KrisFlyer and Malaysia Airlines’ Enrich program—is 2 Amplify points = 1 airline point/mile.
KrisFlyer is an excellent program to access redemptions in premium cabins on Singapore Airlines flights.

Enrich no longer offers much value for travellers in Australia.
You should allow at least three business days for your Amplify Points to be converted to frequent flyer points.
Qantas Frequent Flyer
Having said all of that, it is worth realising that while you’ll earn twice as many points outright (on spend) by accruing to Amplify than Qantas, they are not equivalent in value, given the rates at which they transfer to partner airline programs—making it an even points earn proposition between choosing Qantas or Amplify.
If you are loyal to Qantas and using Qantas Points for travel on Qantas and its partners like Emirates, Cathay Pacific and Japan Airlines, then locking your earning into Qantas Points may make more sense.

Choosing Qantas or Amplify Rewards for the sign-up bonus
It could be worth considering opting in for Qantas Points for the sign-up bonus (as Amplify often offer the same number of bonus Amplify Points as Qantas Points for new cardholders, but Amplify Points transfer to other most other frequent flyer programs at 1 Amplify point to 0.5 frequent flyer points), and then switch to Amplify Rewards for more flexibility.
You can make the switch online using this form (St.George version). A very important note for switching the other way around:
If you are switching from Amplify Rewards to Amplify Qantas, points earned under Amplify Rewards must be redeemed within 90 days of the program switch being processed or they will be forfeited.
However, switching from Qantas Points to Amplify Rewards won’t affect your previous balance:
If you are switching from Amplify Qantas to Amplify Rewards, Qantas Points earned before the program switch is processed will be transferred to the nominated Qantas Frequent Flyer membership account as usual.
Other redemption opportunities
You can also use your Amplify Rewards points on redemptions for purchases such as technology, baby products and appliances, as well as card fees, donations, gift cards and for travel through the Amplify portal but we would strongly suggest using your points for higher-value redemptions, i.e. transferring to frequent flyer partners.

Summing up
Unlike American Express Membership Rewards, which offers the widest range of transfer partners, Amplify Rewards matches the other major bank points programs like Westpac Altitude Rewards, ANZ Rewards and NAB Rewards in offering just a handful of airlines to transfer to. This makes it definitely worth considering if you have spend that you are planning to make, or have to make, on a Visa or Mastercard.
Compared to those other programs, Amplify offers favourable transfer rates, plus the option to switch between earning Amplify Rewards or Qantas Points—just be aware of your Amplify points expiring if you make the switch.
Finally, if this works for your points collecting strategy, taking your sign-up bonus in the form of Qantas Points and then switching to Amplify Rewards for ongoing points earn may also help to maximise your frequent flyer balances.
I was an additional card holder with my husband’s Amplify St George, if I applied as a principal card holder would I be still getting the bonus points?
Unfortunately I have not had an Amplify card myself previously, so am not able to comment from personal experience. Hopefully other readers will provide their views. But you are right, in terms of actual benefits, there is very little difference.
I know it states ‘within 12 wks’, but with the other cards (Amex, Virgin, ANZ etc), the bonus points were in almost Immediately after the min spend was met.
I have received St George Visa Signature Card last week and I have linked with Qantas. As I am planning to switch to Amplify rewards once I get the bonus 90k points credited, I want to know would I get the Priority Pass membership straight away or would I have to wait for anniversary year. As I am probably not going to use the Qantas Lounge(because I don’t envision myself taking a Qantas flight in near future) and would prefer PP. So, not looking to order 2 lounge passes if that’ll make me miss out on 2 free PP for this year. Can you please let me know?
Thoughts?
As i said im still new to this and trying to navigate and get set up. My bank (Bank of Melb) seems to be aligned with Qantas FF for everything except current Amplify balance transfers. All their credit card offers with bonus points are for Qantas and the only option other than earning Amplify Awards is to earn Qantas FF points.
Just feel like my best option is to focus mainly on Qantas FF. Thoughts?
Cheers
Just new to the whole frequent flier thing so apologies for the question if its a stupid one.
I currently have a balance of about 70k in Amplify rewards and am looking for a way to get them to my Qantas FF account as our family usually flies Jetstar
I can transfer to Malaysia Airlines. Can i then transfer to Qantas?
Thanks in advance