St.George Amplify Signature Credit Card – Rates and Fees

Enjoy a reduced annual fee in the first year and up to 200,000 bonus Amplify Points over 2 years when you meet the spend requirements.

The St.George Amplify Signature is a premium credit card that offers uncapped rewards, airport lounge passes, complimentary travel insurance and other generous perks.

If you apply by 2 October 2019, you can collect 100,000 bonus Amplify points in the first year, plus another 100,000 points in the second year when you spend at least $12,000 on eligible purchases each year. This offer also gives you a reduced first-year annual fee of $179 ($279 p.a. thereafter).

Product NameSt.George Amplify Signature
Rewards ProgramAmplify Rewards
Balance transfer rate0% p.a. for 6 months
Balance transfer revert rate
The interest rate that will apply to any remaining balance after the balance transfer term ends.
Cash Advance Rate (21.49% p.a.)
Balance Transfer Limit80% of available credit limit
Purchase rate (p.a.) 19.74% p.a.
Offer end date2 October 2019
Annual fee$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Interest Free Period
The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date.
Up to 55 days on purchases
Cash advance rate (p.a.)21.49% p.a.
Min credit limit
This is the lowest credit limit you can be granted. It is possible to request a higher credit limit but not a lower one than this figure.
$15,000
Max credit limit
This is the maximum credit limit available on this card and you can apply for increases after the account has been opened. This credit limit may not be issued to you immediately upon application.
$80,000
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Charged when you make a transaction that is converted by Visa 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
Joint ApplicationYes
Annual fee$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Minimum Monthly Repayment2% or $10, whichever is greater
Late Payment Fee$15
Foreign Currency Conversion Fee (VISA)
Charged when you make a transaction that is converted by Visa 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
Cash Advance Fee2%
Overseas Cash Advance Fee2% of the value of the transaction or minimum charge of $2.50
Gambling Transactions AllowedYes
Additional Cardholder Fee$0
Number of Additional Cardholders1

Pros

  • 100,000 bonus Amplify Rewards Points in the first year plus another 100,000 bonus points in the second year (a total of 200,000 points) when you spend at least $12,000 on eligible purchases each year
  • Reduced $179 annual fee for the first year
  • Earn 1.5 Amplify Points per $1 spent on domestic and overseas purchases (uncapped)
  • Complimentary overseas travel insurance for up to 6 months

Cons

  • A relatively high standard annual fee of $279 applies after the first year
Rewards ProgramAmplify Rewards
Bonus Points200,000 bonus points
Rewards Points per $ spent (VISA/MC)1.5
Rewards Points per $ (VISA/MC) CapUncapped

Benefits of using St.George Amplify Signature

  • Airline lounge passes. This credit card offers complimentary Priority Pass membership, with two complimentary lounge visits per year. You can also use your credit card to pay for additional Priority Pass lounge visits.
  • Reduced first-year annual fee. Save on account costs in the first year, with a discounted annual fee of $179 when you apply by 2 October 2019. This reverts to $279 p.a. in subsequent years.
  • Up to 200,000 bonus Amplify points. If you’re a new Amplify cardholder, you can get 100,000 bonus Amplify Points in the first year plus another 100,000 bonus points in the second year (total of 200,000 points) when you spend at least $12,000 on eligible purchases each year. Offer ends on 2 October 2019. To give you an idea of your rewards potential, you could convert 200,000 Amplify Points into 100,000 Velocity Points, enough for a return economy flight from Sydney to Los Angeles (89,600 Velocity Points plus fees and taxes). If travel isn't your first choice, you could also redeem them for $850 worth of WISH eGift cards (193,800 Amplify Points). These reward options were sourced on 23 May 2019. Check the Amplify website or log in to your account for a complete, current list of reward options.
  • Competitive earn rate. This card offers 1.5 Amplify Points per $1 spent on eligible purchases in Australia and overseas. Eligible purchases cover most of your everyday spending – such as groceries, petrol, dining, travel and shopping. Transactions that don’t earn points include BPAY payments, cash advances, government charges and account fees.
  • Rewards program. You can redeem your Amplify Rewards points for a variety of items, including gift cards, retail items, charity donations and frequent flyer points with Virgin Australia Velocity, Singapore Airlines KrisFlyer and Malaysia Airlines Enrich. Learn more about the Amplify Rewards program in this guide.
  • Overseas travel insurance. Use the St.George Amplify Signature to pay for at least $500 of eligible travel costs before you leave, and you’ll be eligible for comprehensive overseas travel insurance for up to 6 months. Your spouse and dependent children can also get cover under this policy when they meet the eligibility requirements.
  • Domestic flight inconvenience. This insurance helps cover the cost of expenses due to domestic flight delays and cancellations.
  • Transit accident insurance. This insurance offers cover for accidental injury or death when you’re travelling by train, bus, plane or ferry outside Australia.
  • Insurance covers for your shopping. Use your St.George Amplify Signature credit card to pay for eligible items and you can enjoy purchase security insurance, extended warranty insurance and price guarantee cover.
  • Balance transfer offer. You can pay off existing debt and save with 0% p.a. interest on balance transfers for the first 6 months. At the end of the promotional period, any remaining debt from the balance transfer will attract the cash advance interest rate. Note that you can't transfer balances from existing BankSA, Bank of Melbourne or St.George accounts.

Features of the St.George Amplify Signature

  • Annual fee. Outside of any promotions, this card charges a standard annual fee of $279.
  • Interest rates. The variable interest rate for purchases is 19.74% p.a., while the cash advance rate is 21.49% p.a.
  • Up to 55 interest-free days. This feature lets you take advantage of up to 55 interest-free days on purchases from the beginning of your statement cycle, allowing you to avoid interest charges if you pay off your balance in time. Note that interest-free days don’t apply for cash advance transactions of if you carry a balance transfer debt.
  • Birthday Bonus. This perk celebrates the anniversary of your account opening. Each year you have the card, you can get 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, as well as exclusive packages and offers.
  • Foreign transaction fee. This card charges a fee worth 3% of each transaction made overseas or online in a foreign currency.

How to apply for the St.George Amplify Signature

You can apply for the St.George Amplify Signature credit card online in around 10 minutes. Get started by checking that you meet the following eligibility criteria and have all the documents and details you will need for the application.

Eligibility requirements

  • Residency. You must be an Australian citizen or permanent resident.
  • Age. You must be at least 18 years old.
  • New cardholder. This offer is only available to new customers who have not held a St.George Amplify Platinum or Signature credit card in the past 12 months.

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. You must 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.
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111 Responses

  1. Default Gravatar
    MattJanuary 8, 2019

    How do I apply for this card I can’t seem to find a link ?

    • Avatarfinder Customer Care
      JohnJanuary 9, 2019Staff

      Hi Matt,

      Thank you for reaching out to finder.

      Clicking on the “Go to site” button will lead you to the provider’s page where you will see the red “Apply now” button to start the process. Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. Hope this helps!

      Cheers,
      Reggie

  2. Default Gravatar
    louiseNovember 21, 2018

    i think that the info on the amplify credit card is wrong, its not $0 annual fee to get the 100,000 bonus points, its $179 when you go to St George Site

    • Avatarfinder Customer Care
      JohnNovember 21, 2018Staff

      Hi Louise,

      Thank you for reaching out to finder.

      The $0 annual fee is a promotion provided until December 17,2018 if you go though the finder page for the application. Please click on the “Go to site” button to see that the $0 annual fee for the first year applies for this promotion. Hope this helps!

      Cheers,
      Reggie

  3. Default Gravatar
    IngridAugust 15, 2018

    What are the eligible purchases on this card

    • Default Gravatar
      JoelAugust 15, 2018

      Hi Ingrid,

      Thanks for leaving a question on finder.

      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. Please note that 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.

      Cheers,
      Joel

  4. Default Gravatar
    JasonApril 9, 2018

    There is a current promotion of reduced first year annual fee to $139 for St George Amplify Signature but not with the Bank of Melbourne Amplify Signature (which is essentially the same card). I live in Melbourne. Am I still eligible to apply for the St George one to benefit from the promotion?

    • Avatarfinder Customer Care
      JeniApril 9, 2018Staff

      Hi Jason,

      Thank you for getting in touch with finder.

      Yes, you are still eligible to apply for a St.George Amplify Signature Credit Card.

      The application requirements are: at least 18 years of age and Australian resident.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

  5. Default Gravatar
    March 13, 2018

    If I apply do I click the joint account option to get an extra card for my wife or is there an option in the single account process for an extra card? Thanks

    • Avatarfinder Customer Care
      JoshuaMarch 13, 2018Staff

      Hi Brett,

      Thanks for getting in touch with finder.

      The two options you mentioned are both viable. To help you decide which is the right one for you, let me explain your options.

      If you want your wife to be a joint holder with equal right of use of the card, plus equal obligation for card repayment, you could click on the ‘Joint account’ tab on the very first page of the card’s application form to add her in the form.

      If you want your wife to be able to use the card as an additional cardholder, then you may apply through ‘Single account’. Once the card is approved and arrives, you can then add your wife as an additional cardholder through a pdf form.

      In each of these 2 cases, you will have 2 cards under the same credit card account.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      ​Joshua

  6. Default Gravatar
    LouisMarch 6, 2018

    Can I pay council and water rates to earn qantas points?

    • Avatarfinder Customer Care
      RenchMarch 6, 2018Staff

      Hi Louis,

      Thanks for your inquiry.

      For St.George Amplify Signature Credit Card, you can earn 0.75 Qantas Points for every dollar spent at eligible Australian merchants.

      Government payments, such as council or water rates are not eligible for Amplify Points and Qantas Points. You may refer to the bank’s Product Disclosure Statement about rewards for further information by clicking on the ‘Go to site’ button.

      Best regards,
      Rench

  7. Default Gravatar
    AndrewFebruary 4, 2018

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

    • Avatarfinder Customer Care
      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.

      Cheers,
      May

  8. Default Gravatar
    CraigJanuary 24, 2018

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

    • Default Gravatar
      JoelJanuary 24, 2018

      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.

      Cheers,
      Joel

  9. 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?

    • Avatarfinder Customer Care
      JhezJanuary 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.

      Regards,
      Jhezelyn

  10. Default Gravatar
    November 28, 2017

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

    • Default Gravatar
      ArnoldNovember 30, 2017

      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

      Cheers,
      Arnold

    • Default Gravatar
      JoeMarch 13, 2018

      Hello, does the bonus 90, 000 Qantas points occur as soon aa you spend tge $5000 or do you have to wait for the 3 months from approval?
      Thank you

    • Avatarfinder Customer Care
      JoshuaMarch 13, 2018Staff

      Hi Joe,

      Thanks for getting in touch with finder. :)

      According to our page, you need to apply by 22 March 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.

      If approved for the credit card, it would take up to 5 days to arrive to you. Once you make your minimum spend the bonus points are appointed within 12 weeks from the minimum spend.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      ​Joshua

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20.74% p.a.
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11.99% p.a.
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