St.George Amplify Rewards Signature Credit Card

• Income. You must earn a regular income that's taxed through the Australian Taxation Office.
• Age. You must be at least 18 years old to apply.

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. 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.

• Competitive earn rate. This card offers 3 Amplify Points per $1 spent on international transactions and 2 points per $1 spent at major supermarkets, department stores, petrol stations, dining, and utilities. You'll also earn 1 point per $1 spent on all other eligible purchases (up to $10,000 per statement period), then 0.5 points per $1 spent thereafter. Transactions that don't earn points include BPAY payments, cash advances, a purchase from or payment to a government or government-related agency and account fees.
• No expiry on points. The Amplify Rewards points you earn never expire, giving you as much time as needed to build your balance. You can redeem your Amplify Rewards points for a variety of items, including gift cards, merchandise 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.
• Shopping cashbacks. Eligible St.George credit card holders can get cashbacks when they shop with their card on the online rewards platform ShopBack.
• Airline lounge passes. This credit card offers a complimentary Priority Pass membership, with 2 complimentary lounge visits per year. All you have to do is enrol on the Priority Pass website to access over 1,700 lounges worldwide. You can also use your credit card to pay for additional Priority Pass lounge visits.
• Overseas travel insurance. Use the St.George Amplify Rewards 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 Rewards Signature credit card to pay for eligible items and you can enjoy purchase security insurance, extended warranty insurance and price guarantee cover.
• 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 Rewards Signature Travel Service. This includes a personalised call centre service, as well as exclusive packages and offers.
• Mobile payment technology. Simply tap and go when making payments using your compatible phone or other devices. Just add this card to your Apple Pay, Google Pay or Samsung Pay wallet to enjoy this feature.

• Interest-free days. When you pay your monthly payment balance in full, which excludes current balance transfers, listed on your statement by the payment due date, you will receive up to 55 days interest-free on new purchases. Note that interest-free days are separate from any longer-term interest rate promotions.
• Foreign transaction fee. This card charges a fee worth 3% of each transaction made overseas or online in a foreign currency.