St.George Amplify Rewards

From flights and travel options to shopping or gift cards, here’s what you need to know about Amplify Rewards points.

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Amplify Rewards allows you to collect points as you use your credit card and then redeem those points in exchange for a variety of rewards. Once you've racked up your points you can use them to purchase gift cards, flights or other merchandise.

Here, we outline everything you need to know about earning and redeeming Amplify Rewards points through St.George.

How to earn Amplify Rewards Points

Earning points with St.George is really simple. You need to own either an Amplify Rewards Platinum or an Amplify Rewards Signature credit card. You earn points for every dollar you spend. These points will build up 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, check out the range now and compare them by earn rates, bonus points, costs and other features.

You can also earn Qantas points through the Amplify Qantas credit card range.

Introductory bonus point offers

Signing up with Amplify Rewards Platinum can get you 100,000 bonus rewards points. If you sign up with Amplify Rewards Signature you can get up to 200,000 bonus rewards points. These offers don't run all year, so be sure to look at what bonus points are on offer.

The offers give you a way to boost your point balance and give you hundreds of dollars in value when you first get a card. However, you may need to meet a minimum spend requirement. For example, new customers signing up for the Platinum card before 30 June 2022 can get 100,000 bonus points, but a minimum spend of $3,000 applies.

Credit cardEarn rateSign-up bonus (minimum spends apply)Annual points bonusPoints cap per year
Amplify Rewards Platinum1 point per $1100,000N/AN/A
Amplify Rewards Signature1.5 points per $1Up to 200,00010% of points earned in last 12 months on your birthdayN/A
Amplify Qantas Platinum0.5 Qantas point per $160,000N/AUp to $100,000
Amplify Qantas Signature0.75 points per $190,00010% of points earned in last 12 months on your birthdayUp to $250,000

What rewards can you get with your points?

  • Gift cards
  • Technology
  • Flights, hotels and activities
  • Point transfers to Velocity Frequent Flyer and Singapore Airlines KrisFlyer
  • Homewares and appliances
  • Food and wine
  • Entertainment and experiences
  • Charity donations

How much are Amplify Points worth?

As set out in St.George's terms and conditions, Amplify Rewards points have no direct monetary value. If you are part of the rewards program and want to see how much a particular reward is worth in points, there is a calculation you can do.

Here are some examples of the value you can get through different rewards through the St.George Amplify Rewards program.

Points neededRewardRRP of rewardValue per 1,000 points
39,475Nutribullet Select$119.99$3.04
64,075Breville CitiZ&milk espresso machine$449$7
118,525Apple AirPods Pro$399$3.36

How to redeem your points

Internet banking

  1. Log on to your St.George account through Internet banking
  2. Select your Rewards credit card
  3. Go to the Account Details page
  4. Click on Redeem Points
  5. Follow the prompts

Mobile banking

  1. Log on to the St.George mobile banking app
  2. Select your Rewards credit card
  3. Go to Services
  4. Click on Redeem Points
  5. Follow the prompts

Phone

Call the Amplify Rewards centre on 1300 489 586.

6 ways to decide if the Amplify Rewards program is worth it

Although a rewards program sounds like a reason to jump on board with a credit card, there are things to note. For instance, the St.George Amplify credit cards have annual fees and pretty high minimum credit limits.

Here are some ways to help you decide if the rewards program is worth it.

  1. Different earn rates. Each credit card has different earn rates, but with a higher earn rate comes a higher annual fee.
  2. Type of points. If you're saving for a trip or you frequently travel, earning Qantas points could be of more benefit to you.
  3. Annual fees. Each card has an annual fee, but the annual fees for the Signature cards are considerably higher.
  4. Minimum credit limits. While some of the offers seem enticing, ask yourself whether you would really need that much credit.
  5. Use of the card. Would you be using the card enough to warrant the costs and earn enough points?
  6. Meeting repayments. If you can't meet your repayments, you may end up being worse off than if you had paid outright for the rewards you bought with your points.

Compare credit cards with Amplify Rewards

1 - 3 of 3
Name Product Bonus points Rewards program Rewards points per $ spent Purchase rate p.a. Annual fee
St.George Amplify Platinum
100,000
Amplify Rewards
1
19.49%
$29 for the first year ($99 thereafter)
Earn 100,000 bonus Amplify Points (worth $450 in gift cards) when you spend $3,000 in the first 90 days. Plus, a first-year annual fee discount and Kayo cashback offer.
St.George Amplify Signature
200,000
Amplify Rewards
1.5
19.49%
$279
Up to 200,000 bonus points (100k first year & 100k second year) - worth $900 in gift cards - when you spend $12,000/yr for the first 2 years.
Bank of Melbourne Amplify Platinum
100,000
Amplify Rewards
1
19.49%
$29 for the first year ($99 thereafter)
Get 100,000 bonus Amplify Points (worth $450 in gift cards) when you spend $3,000 in the first 90 days and a first-year annual fee discount.
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