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Our verdict

Offers 80,000 bonus Qantas Points, airport lounge passes and complimentary insurance, with a $370 annual fee.

The St.George Amplify Qantas Signature Card has a strong bonus points offer, Qantas Club Lounge invitations and complimentary insurance that makes it suited to frequent travellers. To give you an idea of the potential value of the 80,000 bonus Qantas Points, you could use them for a two return economy flights from Sydney to Auckland (72,000 points) or you could also redeem them for $375 worth of David Jones digital gift cards (a total of 75,200 points for one $250 gift card, two $50 gift cards and a $25 gift card).

This card doesn’t have the highest earn rate in the Qantas credit card category, but it’s still relatively competitive. But take note of the 20.99% p.a. variable interest rate that applies to purchases, which could add up if you don't pay the full balance listed by the due date (to get interest-free days on purchases).

Pros

80,000 bonus Qantas Points when you spend $6,000 within 90 days of card approval
Earn 0.75 Qantas Point per $1 spent
2 complimentary Qantas Club lounge passes per year
Shopping cashbacks through ShopBack

Cons

A relatively high standard annual fee of $370 p.a. applies
Charges a 3% foreign transaction fee

The St.George Amplify Qantas Signature Card offers a mix of frequent flyer perks and earns 0.75 Qantas Point per $1 on eligible spending.

Right now, you can also earn 80,000 bonus Qantas Points when you apply by 30 November 2024 and use your new card to spend $6,000 on eligible purchases in the first 90 days. It also offers 2 Qantas Club Lounge invitations each year and complimentary insurance for eligible travel and purchases – just make sure the points and perks give you enough value to justify its annual fee.

Details

Product details

Product Name	St.George Amplify Qantas Signature
Purchase rate p.a.	Purchase rate p.a. 20.99%
Interest-free period	Up to 55 days on purchases
Cash advance rate p.a.	21.99%
Min credit limit	$15,000
Max credit limit	$80,000
Card type	Visa

Eligibility

Available to temporary residents	Yes - Conditions apply
Joint application	No

Rewards

Rewards program	Qantas Frequent Flyer
Bonus points	80,000
Rewards points per $ spent	0.75
Rewards points cap	250,000

Fees

Annual fee	Annual fee $370
Minimum monthly repayment	2% of the closing balance or $10, whichever is greater
Late payment fee	$15
Foreign currency conversion fee	Foreign currency conversion fee 3%
Cash advance fee	3%
Overseas cash advance fee	3% of each cash advance amount
Additional cardholder fee	$0
Number of additional cardholders	1

"Lots to like about this card – the earn rate at 0.75 points per dollar is pretty good, you get up to 55 days interest free before needing to pay off the balance, and the free travel insurance was great. My only complaint is the Qantas lounge passes. To get them, you have to make a Qantas purchase using your card to activate the offer, then register for the lounge passes using a portal and after your application is processed, you'll receive 2 lounge passes. It was all too much effort, so I never got around to doing it."

David Megginson

Finder crew member

How to apply

You can apply for the St.George Amplify Qantas Signature Card online in 10 minutes. Before you get started, make sure you meet the eligibility requirements and have the necessary documents ready:

Eligibility criteria

New cardholder. To take advantage of the bonus points offer on this card, you must not currently hold an Amplify Platinum or Amplify Signature credit card from Bank of Melbourne, St.George or BankSA. You also must not have held any of these accounts within the past 12 months.
Residency. To apply online, you must be an Australian citizen or permanent resident.

Age. You must be at least 18 years of age.

Required documents

Personal information. This includes your full name, date of birth, residential address, email address and phone number. You also need a valid form of identification, such as your Australian driver's licence, Medicare card, passport or birth certificate.
Employment information. Provide your job title, salary information and employer's contact details. If you're self-employed, you may also be asked for your accountant's contact information.
Other financial details. This includes any other forms of income and assets such as savings or shares. You'll also need to share details of any existing debts and ongoing expenses such as rent, mortgage payments, bills and grocery shopping.
Qantas Frequent Flyer number. To ensure your Qantas Points are credited to your account, you need to provide your Qantas Frequent Flyer membership number.

Card benefits

Bonus points offer. Receive 80,000 bonus Qantas Points when you apply by 30 November 2024 and spend $6,000 on eligible purchases using your new card within the first 90 days from approval. Your points will be credited to your account within 12 weeks of meeting the spend requirement.
Points per $1 spent. With the Amplify Qantas program, you'll earn 0.75 Qantas Point per $1 spent on eligible purchases up to a maximum of $250,000 per year (bonus Qantas Points not included in the cap).

Airline lounge passes. You can relax before your next flight, enjoy complimentary food and beverages, and high-speed Wi-Fi thanks to 2 complimentary Qantas Club Lounge invitations per year. They're valid for Qantas Club and Qantas operated international business lounges, and you must register for the invitations on the St.George website to access them.
Overseas travel insurance. The cardholder and their family can access up to 6 months of coverage. You must use your card to cover at least AU$500 of your prepaid travel costs (such as flights or accommodation) to activate the cover.
Purchase cover insurance. You'll get up to four months of cover against the theft, loss or damage of selected new purchases.
Transit accident insurance. If you suffer an accidental injury or die when travelling by train, bus, plane or ferry outside Australia, this insurance provides cover.
Domestic flight inconvenience. This cover ensures you don't suffer a financial loss due to flight delays and cancellations.
Extended warranty insurance. When you use this card to make a purchase, you'll receive up to 12 additional months on the manufacturer's expressed Australian warranty.
Price guarantee cover. You can claim the difference if you find a product for sale cheaper within 21 days of purchasing.
Shopping cashbacks. Shop with your eligible St.George card on the online rewards platform ShopBack to receive cashbacks.
Concierge service. Save time on tasks like booking a restaurant, organising an event or ordering flowers by submitting a request to the 24/7 concierge service.
Mobile payments. You can make contactless payments with your eligible Apple, Android or Samsung device by adding this card to your Google Pay, Samsung Pay, or Apple Pay wallet.

Rates & fees

Annual fee. This card charges an annual fee of $370. This includes both $295 standard fee and $75 annual Qantas Rewards fee.
Interest rates. The variable interest for purchases is 20.99% p.a., while the cash advance rate is 21.99% p.a.

Interest-free days for purchases. This card offers up to 55 days interest-free on new purchases when you pay the monthly payment balance listed on your statement in full by the payment due date. Note that these interest-free days are separate from any longer-term interest rate promotions and the monthly payment balance excludes current balance transfers.
Cash advances. If you use your card for cash advances and cash equivalent transactions, you'll be charged 21.99% p.a. interest rate from the day the transaction is made, as well as a one-time fee of 3% of each cash advance amount.
Foreign transaction fee. Any transactions made overseas or online in a foreign currency are subject to a 3% currency conversion fee.

Sources

St.George Amplify Qantas Signature Card information PDF

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Amy Finder

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Birendra

September 02, 2023

If I am a Bank of Melbourne customer and don’t hold any Credit Card issued by either Bank od Melbourne or St George, do I qualify for the Qanats Bonus points if I apply

Amy Bradney-George Finder

September 03, 2023

Hi Birendra,

Yes, as long as you haven’t had an Amplify Platinum or Signature credit card issued by Bank of Melbourne, St.George or BankSA in the past 12 months, you would be considered a “new cardholder” and would qualify for this offer. Just remember to check the other offer requirements as well. I hope this helps.

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Allan

June 24, 2019

My wife & I are both retired and have combined super in 7 figures. No card company wants to know this as we don’t have a pay slip. Our credit rating is perfect. It almost seems impossible to get a new card with these Qantas specials. Any suggestions?

Nikki Angco

June 26, 2019

Hi Allan,

Thanks for getting in touch!

It’s great to know that your credit rating is perfect. While this may give high hopes of approval, the probability of being approved or not depends on how you match the eligibility requirements of the card so make sure to always check carefully.

If you are still looking to get a credit card, you may refer to our list of credit cards for pensioners and retirees. On the page, you’ll find:

a long list of providers along with retiree and pensioner application details

Mistakes to avoid when applying for a credit card

You can click the name of the bank if you wish to read our product review. When you’re ready to apply for the card, press the ‘Go to site’ button to be redirected to the bank’s main website.

As a friendly reminder, read the eligibility criteria, features, as well as the Product Disclosure Statement and Terms and Conditions of the card before making a decision and consider whether the product is right for you.

Hope this helps! For any further questions, feel free to reach out to us again, we’re here to help.

Best,

Nikki

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Vanessa

March 22, 2019

Hi, is there a minimum salary earning for this please?

Mai Finder

March 23, 2019

Hi Vanessa,

Thank you for visiting Finder and for leaving a question.

I’m afraid St.George Amplify Signature – Qantas Credit Card did not specify if there’s a minimum income requirement to be eligible for this card. Although, you still need to show your proof of income and employment as well as your financial commitments for their checking.

I suggest that you contact St. George first to check prior to application to make sure that your income is eligible for the credit card product you wish to have.

Hope this helps and please feel free to contact us back should you require further assistance.

Kind Regards,

Mai

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Chris

March 14, 2019

Does the St George Amplify Signature – Qantas card give supplementary cards for spouse?

Jeni Finder

March 16, 2019

Hi Chris,

Thank you for getting in touch with Finder.

This card accepts joint account application or you may have your spouse as your additional cardholder at no cost.

I hope this helps.

Thank you and have a wonderful day!

Cheers,

Jeni

John

February 21, 2019

Overseas travel insurance. The cardholder and their family have access of up to 6 months of coverage.

Could you please explain what is meant by access of up to 6 months for overseas travel insurance?

Jhezelyn Finder

February 22, 2019

Hello John,

Thank you for your comment.

It means that the coverage of your complimentary travel insurance will be provided for six months or until you return to your home in Australia, whichever occurs first.

Regards,

Jhezelyn

St.George Amplify Qantas Signature Card

Pros

Cons

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

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