Variable rate changes for Personal banking products

Following the RBA’s cash rate increase, we will be increasing our interest rates across a number of our deposit products. This will impact customers who bank with us using AMP Bank GO or My AMP. Please check our AMP Bank interest rates and fees page for more details.





        

    • Earn points on your Everyday Account

      Earn Qantas Points on the money in your account with AMP Bank GO.

    • Free membership

      If you’re not already a Qantas Frequent Flyer member, your $99.50 membership fee is on us. Join free now.

    • No fees. Earn points.

      With no monthly account fees or ongoing spend requirements, you can earn more Qantas Points (and good times).

    Sign up to AMP Bank GO and link to earn double Qantas Points

    Turtle swimming along ocean floor

     

    Download AMP Bank GO

    Apply and open an Everyday Account

    Link your Qantas Frequent Flyer account

    Earn 2 Qantas Points for every $10 on your average monthly Everyday Account balance up to $500,000. Ends 31 January 2027. T&Cs apply.*
     

              

    Coastline landscape photography of the Twelve apostles


    Spending nothing. Gain something.

    What if that something could be a Classic Flight Reward, Flight Upgrade or hotel stay. AMP Bank GO gives you a different way to earn Qantas Points. 

    Earn 2 Qantas Points for every $10 on your average monthly Everyday Account balance*


    You can earn 2 Qantas Points for every $10 on your average monthly Everyday Account balance up to $500,000. Ends 31 January 2027. T&Cs apply.*

    The table shows the potential Qantas Points you could earn each month based on an average monthly account balance with the AMP Bank GO Everyday Account.

    Average monthly balance   Qantas Points earned per month Qantas Points earned per year
     $10,000  2,000 24,000

     

    Data last updated 1/10/26

     

     

    Ways to use your Qantas Points

    Flights
     

    Use your Qantas Points on every eligible flight with Qantas, Jetstar and over 30 oneworld members, partner airlines and their affiliates to more than 1,200 destinations globally.1

    Explore travel

    Classic Upgrade Rewards

    Use your Qantas Points to request an upgrade to Premium Economy, Business or First on Qantas marketed and operated flights and add a little luxury to your next trip.2

    Explore upgrades

    Hotels and Holiday

    Make your dream trip come true with Qantas Points and choose from over 500,000 hotels worldwide or our curated selection of exclusive holiday packages.3

    Explore hotels

    and more!
     

    Discover thousands of other amazing rewards waiting for you, from retail therapy to wine, entertainment and so much more.

    Find out more

    Still have questions?

    AMP Bank Go Qantas Rewards On Your Balance Promotion gives eligible customers the opportunity to earn double Qantas Points on qualifying balances held in their AMP Bank GO Everyday Account during the Promotional Period, subject to the AMP Bank Go Qantas Rewards On Your Balance Promotion terms and conditions. 
     

    When does the Promotion run?

    The Promotion ​Period ​runs from 12:00 am AEST on 1 October 2026 to 11:59 pm AEDT on 31 January 2027.
     

    Who is eligible to earn Qantas Points under the Promotion?
     

    To earn Qantas Points, you must be a member of the Qantas Frequent Flyer program and link your Qantas Frequent Flyer membership account by entering your membership number through the AMP Bank GO app. 
     

    How many Qantas Points can I earn during the Promotion?
     

    During the Promotion, eligible customers can earn 2 Qantas Points for every $10 of their average monthly account balance up to $500,000.
     

    Which account balances ​qualify for ​the Promotion? 
     

    Qantas Points are earned on eligible balances held in an AMP Bank GO Everyday Account, calculated in accordance with the AMP Bank GO Transaction Account Terms and Conditions and the AMP Bank GO Qantas Rewards On Your Balance Promotion Terms and Conditions.
     

    How is my average monthly account balance calculated? 
     

    Your average monthly account balance is calculated by adding the closing balance from each day in the month and dividing that total by the number of days in the month.
     

    When will Qantas Points be added to my Qantas Frequent Flyer account?
     

    Qantas Points are calculated at the end of each calendar month and applied to your Qantas Frequent Flyer account within 30 days. 
     

    Do I need to register separately for the Promotion?
     

    No​,​ separate registration is required under these terms. However, you must link your Qantas Frequent Flyer membership account through the AMP Bank GO app to be eligible to earn Qantas Points. 
     

    What happens if I do not link my Qantas Frequent Flyer account?
     

    If your Qantas Frequent Flyer account is not linked through the AMP Bank GO app, you will not earn Qantas Points on any balance in your AMP Bank GO Everyday Account under the AMP Bank GO Qantas Frequent Flyer Rewards Program or this Promotion.
     

    Can AMP Bank change or end the Promotion
     

    Yes. AMP Bank may modify, suspend or terminate the Promotion at any time, including where the Promotion is not capable of running as planned or for any reason set out in AMP Bank GO Qantas Rewards On Your Balance Promotion Terms and Conditions.

    Qantas Frequent Flyer is a loyalty program where members can earn Qantas Points to use on flights, hotels and holidays, wine, Marketplace and more. 

    If you are a Qantas Frequent Flyer member, you can earn Qantas Points by linking your Everyday Account to your Qantas Frequent Flyer account.  

     

    You can earn 1 Qantas Point for every $10 of your average monthly account balance, up to $5,000,000. For example, a $10,000 average balance earns 1,000 Qantas Points in that month.

     

    If you linked your Qantas Frequent Flyer membership on or before 31 May 2026, you will earn 2 Qantas Points for every $10 of your average monthly balance until 31 January 2027 up to $5,000,000 in balances. If this is you, the applicable terms and conditions can be found here. ​


    Qantas Points are calculated at the end of each calendar month and applied to your Qantas Frequent Flyer account within 30 days.   


    Not a Qantas Frequent Flyer member? AMP Bank customers can join for free here

    You can use your Qantas Points to choose from a wide range of rewards such as flights, hotels and holidays, shopping at Qantas Marketplace and more. 

    Customers who have AMP Bank GO can join Qantas Frequent Flyer for free by using this link. Once you have a Qantas Frequent Flyer account link it to your Everyday Account to start earning Qantas Points.  

    You can link your account by going to the 'Qantas Frequent Flyer' section within your Personal Profile in AMP Bank GO.    


    All you’ll need is your Qantas Frequent Flyer membership number.  

     

    If you do not know your Qantas Frequent Flyer number, it appears at the top of most emails sent to you by Qantas or you can find it in the Qantas App.  

     

    For more information about your Qantas Frequent Flyer account, you can call the Qantas Frequent Flyer Service Centre on 13 11 31.

    Your Everyday Account on AMP Bank GO is eligible to earn Qantas Points.

    Please check that your Qantas Frequent Flyer account is active, and that the surname on your Everyday Account matches the surname captured on your Qantas Frequent Flyer account.   


    If you're still experiencing difficulties, please call the Qantas Frequent Flyer Service Centre on 13 11 31. 

    You can view the Qantas Points earned on your AMP Bank GO Everyday Account in your Qantas Activity Statement or by logging into the Qantas App.

    Qantas Points are calculated at the end of each month and applied to your Qantas Frequent Flyer account within 30 days. It may take up to 30 days for points to appear on your Qantas Activity Statement.

    Qantas Points are earned on the monthly average balance. If your monthly average balance was below $10, you will not qualify to earn points for that month. If your monthly average balance was above $10, please check AMP Bank GO to ensure your Qantas Frequent Flyer account is correctly linked to your Everyday Account. You can do this by accessing the Qantas Frequent Flyer menu option ensuring your Qantas Frequent Flyer account is linked. If you're still experiencing issues, please get in touch with us via the ‘Help’ section of AMP Bank GO.

    If you unlink your Qantas Frequent Flyer account, you will no longer earn Qantas Points on your Everyday Account. You can re-link your Qantas Frequent Flyer number at any time to start earning Qantas Points again. 

    AMP Bank Go Qantas Rewards On Your Balance Promotion gives eligible customers the opportunity to earn double Qantas Points on qualifying balances held in their AMP Bank GO Everyday Account during the Promotional Period, subject to the AMP Bank Go Qantas Rewards On Your Balance Promotion terms and conditions. 
     

    When does the Promotion run?

    The Promotion ​Period ​runs from 12:00 am AEST on 1 October 2026 to 11:59 pm AEDT on 31 January 2027.
     

    Who is eligible to earn Qantas Points under the Promotion?
     

    To earn Qantas Points, you must be a member of the Qantas Frequent Flyer program and link your Qantas Frequent Flyer membership account by entering your membership number through the AMP Bank GO app. 
     

    How many Qantas Points can I earn during the Promotion?
     

    During the Promotion, eligible customers can earn 2 Qantas Points for every $10 of their average monthly account balance up to $500,000.
     

    Which account balances ​qualify for ​the Promotion? 
     

    Qantas Points are earned on eligible balances held in an AMP Bank GO Everyday Account, calculated in accordance with the AMP Bank GO Transaction Account Terms and Conditions and the AMP Bank GO Qantas Rewards On Your Balance Promotion Terms and Conditions.
     

    How is my average monthly account balance calculated? 
     

    Your average monthly account balance is calculated by adding the closing balance from each day in the month and dividing that total by the number of days in the month.
     

    When will Qantas Points be added to my Qantas Frequent Flyer account?
     

    Qantas Points are calculated at the end of each calendar month and applied to your Qantas Frequent Flyer account within 30 days. 
     

    Do I need to register separately for the Promotion?
     

    No​,​ separate registration is required under these terms. However, you must link your Qantas Frequent Flyer membership account through the AMP Bank GO app to be eligible to earn Qantas Points. 
     

    What happens if I do not link my Qantas Frequent Flyer account?
     

    If your Qantas Frequent Flyer account is not linked through the AMP Bank GO app, you will not earn Qantas Points on any balance in your AMP Bank GO Everyday Account under the AMP Bank GO Qantas Frequent Flyer Rewards Program or this Promotion.
     

    Can AMP Bank change or end the Promotion
     

    Yes. AMP Bank may modify, suspend or terminate the Promotion at any time, including where the Promotion is not capable of running as planned or for any reason set out in AMP Bank GO Qantas Rewards On Your Balance Promotion Terms and Conditions.

    Qantas Frequent Flyer is a loyalty program where members can earn Qantas Points to use on flights, hotels and holidays, wine, Marketplace and more. 

    If you are a Qantas Frequent Flyer member, you can earn Qantas Points by linking your Everyday Account to your Qantas Frequent Flyer account.  

     

    You can earn 1 Qantas Point for every $10 of your average monthly account balance, up to $5,000,000. For example, a $10,000 average balance earns 1,000 Qantas Points in that month.

     

    If you linked your Qantas Frequent Flyer membership on or before 31 May 2026, you will earn 2 Qantas Points for every $10 of your average monthly balance until 31 January 2027 up to $5,000,000 in balances. If this is you, the applicable terms and conditions can be found here. ​


    Qantas Points are calculated at the end of each calendar month and applied to your Qantas Frequent Flyer account within 30 days.   


    Not a Qantas Frequent Flyer member? AMP Bank customers can join for free here

    You can use your Qantas Points to choose from a wide range of rewards such as flights, hotels and holidays, shopping at Qantas Marketplace and more. 

    Customers who have AMP Bank GO can join Qantas Frequent Flyer for free by using this link. Once you have a Qantas Frequent Flyer account link it to your Everyday Account to start earning Qantas Points.  

    You can link your account by going to the 'Qantas Frequent Flyer' section within your Personal Profile in AMP Bank GO.    


    All you’ll need is your Qantas Frequent Flyer membership number.  

     

    If you do not know your Qantas Frequent Flyer number, it appears at the top of most emails sent to you by Qantas or you can find it in the Qantas App.  

     

    For more information about your Qantas Frequent Flyer account, you can call the Qantas Frequent Flyer Service Centre on 13 11 31.

    Your Everyday Account on AMP Bank GO is eligible to earn Qantas Points.

    Please check that your Qantas Frequent Flyer account is active, and that the surname on your Everyday Account matches the surname captured on your Qantas Frequent Flyer account.   


    If you're still experiencing difficulties, please call the Qantas Frequent Flyer Service Centre on 13 11 31. 

    You can view the Qantas Points earned on your AMP Bank GO Everyday Account in your Qantas Activity Statement or by logging into the Qantas App.

    Qantas Points are calculated at the end of each month and applied to your Qantas Frequent Flyer account within 30 days. It may take up to 30 days for points to appear on your Qantas Activity Statement.

    Qantas Points are earned on the monthly average balance. If your monthly average balance was below $10, you will not qualify to earn points for that month. If your monthly average balance was above $10, please check AMP Bank GO to ensure your Qantas Frequent Flyer account is correctly linked to your Everyday Account. You can do this by accessing the Qantas Frequent Flyer menu option ensuring your Qantas Frequent Flyer account is linked. If you're still experiencing issues, please get in touch with us via the ‘Help’ section of AMP Bank GO.

    If you unlink your Qantas Frequent Flyer account, you will no longer earn Qantas Points on your Everyday Account. You can re-link your Qantas Frequent Flyer number at any time to start earning Qantas Points again. 

         

    Important information

    The product issuer and credit provider is AMP Bank Limited ABN 15 081 596 009, AFSL and Australian credit licence 234517. This information is provided by AMP Bank Limited. Read our Financial Services Guide available at amp.com.au/fsg for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you.

    AMP Bank is a member of the Australian Banking Association (ABA) and is committed to the standards in the Banking Code of Practice.

     A target market determination for these products is available here.

    For accounts with BSB number 939 900, that you access via AMP Bank GO, the Terms and conditions that apply are available here.

    For accounts with BSB number 939 200, that you access via the My AMP mobile app, the Terms and conditions that apply are available here.

    *Qantas Frequent Flyer

    You must be a member of the Qantas Frequent Flyer program to earn and use Qantas Points. A joining fee usually applies. However, AMP Bank Limited has arranged for complimentary membership for new customers who join here . Membership and Qantas Points are subject to the Qantas Frequent Flyer program Terms and Conditions. Points will be earned on account balances in accordance with the AMP Bank GO Transaction Account Terms and Conditions. To determine the average monthly balance for your account, add the closing balance from each day in the month together, and then divide the total by the number of days in the month. Qantas Points are calculated at the end of each calendar month and applied to your Qantas Frequent Flyer account within 30 days.

    AMP Bank GO Qantas Rewards On Your Balance Promotion until 31 January 2027 

    Terms and conditions effective Thursday 1 October 2026.

    1. The promoter is AMP Bank Limited ABN 15 081 596 009 (AMP Bank), AFSL and Australian credit licence 234517.

    2. You can earn Qantas Points through the AMP Bank GO and Qantas Frequent Flyer Programs by: 

    • being a member of the Qantas Frequent Flyer (QFF) Program; and 
    • linking your QFF Account by entering your membership number via the AMP Bank GO app.

    Membership with the QFF Program is subject to the QFF Terms and Conditions, as applicable.

    3. Customers who link their QFF Account via the AMP Bank GO app will earn double Qantas Points on balances (earning 2 Qantas Points for every $10 of their average monthly account balance, up to $500,000) within their Everyday Account until 31 January 2027. (Promotion).

    4. Terms and conditions in relation to the: 

    • AMP Bank GO Everyday Accounts and
    • AMP Bank GO Qantas Frequent Flyer

    apply and can be viewed at  AMP Bank GO Transaction Account Terms and Conditions.

    5. AMP Bank reserves the right to modify, suspend or terminate the Promotion at any time, for any reason, including if any aspect of this Promotion is not capable of running as planned, due to computer virus, communications network failure, bugs, tampering, unauthorised intervention, fraud, technical failure or any cause beyond the control of AMP Bank.  

    Classic Flight Rewards & Classic Upgrade Rewards

    Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Seats are subject to capacity controls, availability is limited, and some flights may not have any Classic Flight Rewards available. Taxes, fees and carrier charges are payable to Qantas (excluding any amounts payable to third parties at the airport) by an Accepted Payment Card in addition to the points required on Classic Flight Reward flights. Qantas Points required and taxes, fees and carrier charges are subject to change and quoted at the time of booking. For more information, visit Classic Flight Rewards. 

    Classic Upgrade Rewards are available on Classic Flight Rewards in Economy and Premium Economy, Classic Plus Flight Rewards in Economy and Premium Economy, eligible paid and confirmed Qantas domestic and international flights with a Qantas (QF) flight number on your ticket, and from time to time on codeshare flights operated by another carrier that have a QF flight number on your ticket. Classic Upgrade Rewards are subject to capacity controls and availability is limited. Classic Upgrade Rewards are not available from all fare types. See Classic Upgrade Reward tables for details. 

    Hotel and Holidays

    Members will not be able to redeem points for, or earn points on, additional charges paid to the accommodation provider for extras (including cots, breakfasts and other incidentals) on check-in or check-out (as applicable). Cancellation and refund policies and conditions differ for each hotel, check at the time of booking. View full terms and conditions. Points Plus Pay: Points Plus Pay allows you to choose the number of Qantas Points you redeem above the specified minimum level of 2,000 and pay for the remainder of the booking value with an Accepted Payment Card (including VISA, MasterCard or American Express). Points Plus Pay is not available for Classic Hotel Rewards. Classic Hotel Reward must be booked using Qantas Points only.