St.George Amplify Signature credit card

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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.

0% p.a.

Balance transfer rate

for 6 months

200,000

Bonus points

19.74% p.a.

Purchase rate

1.5

Reward points

Per $ spent (Visa/Mastercard)


Details

Product NameSt.George Amplify Signature
Rewards ProgramAmplify Rewards
Balance Transfer Rate0% p.a. for 6 months
Balance Transfer Revert RateCash Advance Rate (21.49% p.a.)
Balance Transfer Limit80% of available balance
Purchase Rate19.74% p.a.
Annual Fee$179 for the first year ($279 thereafter)
Interest Free Period55 days
Cash Advance Rate21.49% p.a.
Minimum Credit Limit$15,000
Maximum Credit Limit$80,000
Card TypeVisa
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Complimentary Travel InsuranceYes
Minimum Age18 years of age
Available to Temporary ResidentsYes - Conditions apply
Joint ApplicationYes

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 annual fee of $179 p.a. 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
  • Charges a 3% of transaction value foreign transaction fee
Rewards ProgramAmplify Rewards
Bonus Points200,000 bonus points
Rewards Points per $ spent (Visa/Mastercard)1.5
Annual Fee$179 for the first year ($279 thereafter)
Minimum Monthly Repayment2% of the closing balance or $10, whichever is greater
Late Payment Fee$15
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Cash Advance Fee2%
Overseas Cash Advance Fee2% or $2.50, whichever is greater
Additional Cardholder Fee$0
Number of Additional Cardholders1

Expert review

Amy Bradney-George

Review by


Amy is an editor and writer at finder.com.au with more than 10 years experience covering credit cards, personal finance and various lifestyle topics. When she’s not sharing her knowledge on money matters, Amy spends her time as an actress.

Expert review

The St.George Amplify Signature credit card is a top-tier rewards account that earns you 1.5 points per $1 spent, with rewards including gift cards, retail items or frequent flyer points with Virgin Australia Velocity, Singapore Airlines KrisFlyer and Malaysia Airlines Enrich. This card is also packed with premium extras, including two Priority Pass lounge invitations, complimentary international travel insurance, domestic flight inconvenience insurance and a personal concierge that can help you with travel bookings, restaurant reservations or tickets to the latest events.

How to apply

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 criteria

  • Residency. You must be an Australian citizen or permanent resident.
  • Age. You must be at least 18 years old to apply.

Card benefits

  • 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 02 October 2019. This reverts to $279 p.a. in subsequent years.

Rates & fees

  • Annual fee. Outside of any promotions, this card charges a standard annual fee of $279 p.a.
  • Interest rates. The variable interest rate for purchases is 19.74% p.a., while the cash advance rate is 21.49% p.a.

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111 Comments

  1. Default Gravatar
    Matt
    January 8, 2019

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

    • AvatarStaff
      John
      January 9, 2019

      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
    louise
    November 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

    • AvatarStaff
      John
      November 21, 2018

      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
    Ingrid
    August 15, 2018

    What are the eligible purchases on this card

    • Default Gravatar
      Joel
      August 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
    Jason
    April 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?

    • AvatarStaff
      Jeni
      April 9, 2018

      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
    Brett
    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

    • AvatarStaff
      Joshua
      March 13, 2018

      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
    Louis
    March 6, 2018

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

    • AvatarStaff
      Rench
      March 6, 2018

      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
    Andrew
    February 4, 2018

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

    • AvatarStaff
      May
      February 23, 2018

      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
    Craig
    January 24, 2018

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

    • Default Gravatar
      Joel
      January 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
    Dion
    January 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?

    • AvatarStaff
      Jhez
      January 4, 2018

      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
    Olivier
    November 28, 2017

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

    • Default Gravatar
      Arnold
      November 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
      Joe
      March 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

    • AvatarStaff
      Joshua
      March 13, 2018

      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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