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Business rewards credit card

Amplify Business credit card
Amplify Business is a personal liability business credit card that rewards you for your business expenses. Earn something more rewarding with uncapped points on eligible business purchases.

Apply online now and receive an immediate response



Amplify Business features


Up to 4 cards

Enjoy the flexibility of a personal liability credit card with up to 3 additional cardholders.

Complimentary insurance

Including Transit Accident Insurance and Unauthorised Transaction Insurance, subject to the conditions set out in the T&Cs booklet1.

Simplified tax reporting

Export expenses directly into MYOB and BAS or download as an Excel file to make analysis of business transactions easy.

Uncapped points

Earn uncapped points on business purchases including double points on international spending. 



Choose between two rewards programs


Amplify Rewards

Redeem Amplify Points2 for:

Rewards from a wide range of categories including appliances, gift cards, charitable donations, entertainment expenses and more

Domestic and international flights on a variety of major airlines, as well as accommodation, holiday packages and car hire through Amplify Travel3

Airline points or miles through Virgin Australia's Velocity program and Singapore Airlines' KrisFlyer program.

Amplify Qantas

Redeem Qantas Points for:

Classic Award flights on Qantas and 35 partner airlines

Qantas and Jetstar Any Seat Award flights

Flight Upgrade Awards on eligible Qantas flights when available

Over 3,000 products, experiences and vouchers from the online Qantas Marketplace.

Points earned per $1

Amplify Rewards

Amplify Qantas

Overseas purchases 2 Amplify Points 1 Qantas Points
Australian purchases 1 Amplify Point 0.5 Qantas Points
Government payments 0.5 Amplify Point 0.25 Qantas Points



Rates and Fees


Interest rate


19.49% p.a. (variable)

Up to 55 days interest free on purchases when you pay the Closing Balance (or Monthly Payment Balance if you made a balance transfer(s) to your card) on time.

Cash advances 20.24% p.a. (variable)




Card Fee (per year)


$0 annual Card Fee for the first year^.
Foreign transaction Fee

3% of the Australian dollar value of any Foreign Transaction.

Foreign transaction is any transaction made using the Card:

  • in a currency other than Australian dollars; or
  • in Australian dollars or any other currency with a merchant located outside Australia; or
  • in Australian dollars or any other currency that is processed by an entity located outside Australia.

It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia.

Cash Advance Fee

3% of the cash advance amount.

These charges will appear on your credit card statement directly below the relevant cash advance.

Missed Payment Fee $0 applied for each missed payment
Card replacement fee

$0 (courier costs may apply)

Overlimit Fee $0 applied once per statement period if a transaction is made for an amount exceeding the available credit at the date the transaction is debited to your credit card account.
Automatic payment fee $0 applied once per statement period for each payment dishonoured made under the automatic payment plan.



How to apply

Intend to use the card predominantly for business expenditure?
Have an Australian residential address?
Are at least 18 years of age?

Find out what information you need to provide

Apply online in as little as 10 minutes and get an immediate response


Important information

Fees, charges and credit criteria apply.

Find out what information you need to provide to become a customer.

Before making a decision, it's best to read the terms and conditions.

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it’s right for you. If you need help, call 1800 804 411.

# Depending on your choice of rewards program, you can earn Amplify Points or Qantas Points on your eligible purchases.

The respective promotions are not availble in conjunction with any other offer or promotion.

^Discounted annual Card Fee in first year promotion Amplify Business: The first-year annual Card Fee waiver is available when you apply for a new Amplify Business credit card. The first annual Card Fee will be debited on the 12-month anniversary of the first transaction on your account and annually thereafter. This offer may be withdrawn at any time.

1. Complimentary Insurance covers : AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Bank of Melbourne cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the Amplify Business Complimentary Insurance Policy information booklet / BusinessVantage Visa Complimentary Insurance Policy information booklet which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.

2. The earning and redemption of Amplify Points through the use of an Amplify Business card is subject to the Amplify Business Credit Card Rewards Terms and Conditions. Amplify Points are not earned on cash advances, balance transfers and ATM withdrawals or if your card is in arrears and in other specified circumstances. You need a minimum of 3,000 Amplify Points before you can redeem any reward. Specific conditions may apply to the redemption of particular rewards.

3. The earning and redemption of Qantas Points through the use of an Amplify Business card is subject to the Amplify Business Credit Card Rewards Terms and Conditions. Qantas Points are not earned on cash advances, balance transfers and ATM withdrawals or if your card is in arrears and in other specified circumstances. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. Membership and Qantas Points are subject to the Terms and Conditions of the Qantas Frequent Flyer program. A joining fee usually applies but for a limited time BankSA has arranged for this to be waived for the nominated Amplify Business cardholder with a new card who is not already a member and chooses to link their card to Amplify Qantas. For more information on the Qantas Frequent Flyer program visit or call 13 11 31.