St.George Amplify Signature Credit Card – Rates and Fees

Receive 90,000 bonus Amplify Points or Qantas Points when you apply by 18 April 2018 and meet the spend requirement.

The Amplify Signature is St.George’s top-of-the-line rewards credit card. It boasts all the features of a St.George Amplify Platinum card—including complimentary insurance and a 24/7 concierge service - plus a range of other perks. The St.George Amplify Signature lets you earn 0.75 Amplify Points, or 0.75 Qantas Points for every dollar spent at eligible Australian merchants

You can also take advantage of other features like the Birthday Bonus, which can help you build your points balance further.

Product NameSt.George Amplify Signature
Rewards ProgramQantas Frequent Flyer
Purchase rate (p.a.)19.49% p.a.
Offer end date18 April 2018
Annual fee$279 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 55 days on purchases
Cash advance rate (p.a.)20.24% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
Max credit limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Complimentary Travel InsuranceYes
Minimum Age18 years of age
Available To Temporary ResidentsYes - Conditions apply
Credit Rating RequirementGood
Joint ApplicationYes
Annual fee$279 p.a.
Minimum Monthly Repayment2% or $10, whichever is greater
Late Payment Fee$15
Cash Advance Fee2%
Overseas Cash Advance Fee2% of the value of the transaction or minimum charge of $2.50
Foreign Currency Conversion Fee
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You'll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
of transaction value
Gambling Transactions AllowedYes
Additional Cardholder Fee$0
Number of Additional Cardholders1


  • Receive 90,000 bonus Amplify or Qantas Points when you spend $5,000 within 90 days of card approval.
  • Uncapped points earning potential.
  • Two airport lounge passes per year, including Priority Pass for Amplify members and Qantas Lounge for Qantas cardholders.
  • Complimentary overseas travel insurance.
  • Competitive 19.49% p.a. variable purchase interest rate.


  • Relatively high $279 standard annual fee.
  • 3% currency conversion fee.
Rewards ProgramQantas Frequent Flyer
Bonus Points90,000 bonus points
Rewards Points per $ spent (VISA/MC)0.75
Rewards Points per $ (VISA/MC) CapUncapped

St.George Amplify Signature Credit Card review

The St.George Amplify Signature is a rewards credit card that is designed to help cardholders earn rewards points for every dollar they spend. It allows access to either St.George’s Amplify Rewards or Amplify Qantas, each of which offers a host of luxury benefits to members. Other card features include a vast array of travel benefits and a Birthday Bonus to help members build their rewards point balance.

If you’re looking for a card with a lower annual fee than the Signature, you might want to consider the St.George Amplify Platinum Card or the St.George Amplify Card.

Benefits of using St.George Amplify Signature

  • Bonus points offer. Apply by 18 April 2018 and receive 90,000 bonus Amplify Points or Qantas Points when you spend $5,000 using your card within the first 90 days from approval.
  • Competitive earn rate. If you choose the Amplify Rewards program, you receive 1.5 points for every dollar spent at eligible Australian and overseas merchants. If you choose the Amplify Qantas program, you will earn 0.75 Qantas Points for every dollar spent in Australia and eligible overseas merchants. The St.George Amplify Signature also features uncapped points earning potential.
  • Overseas travel insurance. The cardholder and their family have access of up to 6 months of coverage.
  • Purchase cover insurance. Cardholders 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.
  • Extended warranty insurance. This cover offers up to 12 additional months on the manufacturer’s expressed Australian warranty.
  • Domestic flight inconvenience. This cover ensures you don’t suffer a financial loss due to flight delays and cancellations.
  • Airline lounge passes. Amplify Rewards also gives you access to two complimentary Priority Pass lounge passes per year, while Amplify Qantas members receive two complimentary Qantas Club Lounge invitations per year.
  • Price guarantee cover. This form of cover means you are able to claim the difference if you find a product for sale cheaper within 21 days of purchasing.

Features of the St.George Amplify Signature

  • Annual fee. This card charges a standard annual fee of $279.
  • Interest rates. The standard variable interest for purchases is 19.49% p.a., while cash advance rate is 20.24% p.a.
  • Up to 55 interest-free days. This feature lets you take advantage of up 55 interest-free days from the beginning of your statement cycle, allowing you to avoid interest charges if you pay off your balance in time.
  • Birthday Bonus. This feature lets you receive a 10% points bonus based on the points you have earned in the previous 12 months.
  • 24/7 concierge service. Cardholders can take advantage of a premium concierge service whenever they need it.
  • Travel benefits. As well as all the travel benefits available through Amplify Rewards, cardholders also have access to the Amplify Signature Travel Service. This includes a personalised call centre service, bonus points on travel spending, targeted luxury travel offers and more.

How to apply for the St.George Amplify Signature

It takes around 10 minutes to apply for the St.George Amplify Signature online and you should get a response within moments of submitting your completed application. To get started, make sure you meet the eligibility requirements and have all the documents and details you'll need ready to go.

Eligibility requirements

  • Are you over 18 years old? You must be at least 18 years of age to apply for a credit card.
  • What is your Australian residency status? This card is available to Australian permanent residents and citizens, as well as temporary residents with at least 24 months remaining on an eligible visa subclass.

Documents and details

  • 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 and mortgage payments, bills and grocery shopping.

The St.George Amplify Signature offers a range of competitive features to prospective cardholders. If you’ve compared your options and decided that this is the right card for you, complete an online application to begin the process.

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97 Responses

  1. Default Gravatar
    AndrewFebruary 4, 2018

    Can I pay my cut-off monthly with this card and claim reward points for it?

    • Staff
      MayFebruary 23, 2018Staff

      Hi Andrew,

      Thanks for your inquiry.

      If you are using the St.George Amplify Signature card for eligible purchases, you will earn Qantas Frequent Flyer points for every dollar spent. This will be credited to your Qantas frequent flyer account every statement cycle or usually on a monthly basis.


  2. Default Gravatar
    CraigJanuary 24, 2018

    If you have credit on the card and not a debit amount, do you still earn the reward points?

    • Staff
      JoelJanuary 24, 2018Staff

      Hi Craig,
      Thanks for leaving a comment at finder. Yes you will earn points as long as it is an eligible purchase. Eligible purchases are generally defined as everyday purchases which involve the exchange of a good or service for a payment. Transactions that do not qualify as eligible purchases generally include business expenses, gambling transactions, balance transfers, BPAY payments and cash advances.


  3. Default Gravatar
    DionJanuary 4, 2018

    I have an Advantage Package on my home loan with St George – can I apply for this credit card, have the annual fee waived and still receive the 90,000 bonus points?

    • Staff
      JhezelynJanuary 4, 2018Staff

      Hi Dion,

      Thank you for your comment.

      As per St.George’s Advantage Package Terms, you are allowed to have one credit card included in a package and annual card fee will not be charged. Amplify Signature is one of the eligible credit cards that may be included in the package.

      You are still entitled to receive the 90,000 bonus points when you apply for a new Amplify Signature card between 23rd November 2017 and 18th April 2018, spend at least $5,000 on eligible purchases made with the card within 90 days of card approval.

      I hope this helps.


  4. Default Gravatar
    November 28, 2017

    does it provide 90k qantas points in one transfer if you meet the minimum spend?

    • Staff
      ArnoldNovember 30, 2017Staff

      Hi Olivier,

      Thanks for your inquiry

      The bonus points offer states: Apply by 18 April 2018 and receive 90,000 bonus Amplify Points or Qantas Points when you spend $5,000 using your card within the first 90 days from approval. As long as you meet these requirements you’ll be eligible to receive the bonus points

      Hope this information helps


  5. Default Gravatar
    FrancescaOctober 31, 2017

    If I have one of these credit cards can I pay wages to my employees each week directly into their bank account and accrue points this way? or is this ‘pay anyone’ function not applicable for this card or to gain FF points?

    • Staff
      HaroldOctober 31, 2017Staff

      Hi Francesca,

      Thank you for your inquiry.

      You can only earn points through eligible purchases do not include BPAY, fees, cash, cash equivalent transactions, refunds and balance transfers debited from the card account. Existing St. George/BankSA/Bank of Melbourne customers who currently hold an Amplify Platinum or Amplify Signature card, or who have held one in the last 12 months, are not eligible for this offer.

      I hope this information has helped.


  6. Default Gravatar
    TomJuly 13, 2017

    Does this card pay points on ATO spending. I have heard conflicting answers. Regards, Tom.

    • Default Gravatar
      JonathanJuly 15, 2017

      Hello Tom,

      Thank you for sending your inquiry over. :)

      Government charges are not eligible for Amplify Points and Qantas Points. Please refer to the bank’s Product Disclosure Statement about rewards for further information.

      Hope this helps.


  7. Default Gravatar
    PietJune 15, 2017

    I am trying to do online application. What is the difference between Ampify Rewards and Amplify Qantas?

    • Default Gravatar
      JonathanJune 16, 2017

      Hi Piet!

      Thanks for the comment.

      The major difference between Amplify Rewards and Amplify Qantas is their pointing system. For points you can earn per $1 spent on eligible purchases,
      Amplify Points has 1.5 for domestic purchases and 3 (until 30 June 2017) or 1.5 (from 1 July 2017) for overseas, while Amplify Qantas has 0.75 and 1.5 (until 30 June 2017) or 0.75 (from 1 July 2017) respectively.

      You can click “Go to Site” to see their Product Disclosure Statement and understand how the points work.

      Hope this helps.


  8. Default Gravatar
    June 8, 2017

    There is no indication of what annual salary is required to be eligible for this card. Can you advise whether there is a specific threshold. Thank you

    • Staff
      LiezlJune 8, 2017Staff

      Hi Charlie,

      Thanks for your question.

      Although the income requirement is not indicated for this card, the minimum credit limit can be used as a benchmark. Hence, required annual income will be higher than $15,000. You can refer on our guide on this page on how your earnings determine the type of credit card you can apply for. Better still you try calling the issuer to ask about your eligibility.

      I hope this has helped.


  9. Default Gravatar
    EmilyMarch 30, 2017

    Dear staff,
    I signed up for a St George Amplify Signature card in September 2016 because I saw the 30,000 bonus Qantas points advertised on here. Can you please confirm that this was advertised? St George is now refusing to give me the points because they claim the offer didn’t start until September 30 which makes no sense, because I only signed up because of the points. Please confirm thanks.

    • Staff
      MayMarch 31, 2017Staff

      Hi Emily,

      Thank you for your inquiry.

      Yes, there was an offer of 30,000 bonus points for the St.George Amplify Signature back in September 2016, however, this offer only took effect on the 30th of September as per confirmation from St. George. If you applied for the card before the 30th, I’m afraid you may not be able to receive the bonus points.


  10. Default Gravatar
    StuartNovember 29, 2016


    I have signed up to this card and spent the required $2500 within a few weeks, it says that the 30,000 bonus points will appear in my Qantas FF account within 90 days of the qualifying spend.

    I am looking at taking out a home loan and in order to so, have to close down my credit card account (it currently has a balance of $0 as it has been paid in full), what I am wanting to know is whether or not I’ll still receive the Qantas points if I now close the account down?

    Thanks in advance

    • Staff
      MayNovember 29, 2016Staff

      Hi Stuart,

      Thanks for your question.

      The bonus Qantas Points will be credited to your points balance within 12 weeks after the eligible spend criteria being met. Therefore you must wait for the bonus points to be credited first to your Qantas FF account before you close your St. George credit card account, otherwise, you won’t be able to receive them.


    • Default Gravatar
      StuartNovember 29, 2016

      Thanks May :)

    • Staff
      MayNovember 29, 2016Staff

      No worries, Stuart! :) Please feel free to send us a message again if you have other questions and we’ll be happy to assist you. :)


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