St.George Amplify Signature Credit Card – Rates and Fees

Not yet rated

Save $100 with discounted first year annual fee and receive 90,000 bonus Amplify Points when you apply online by 2 October 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, including 90,000 bonus points and airport lounge passes. The St.George Amplify Signature earns 1.5 Amplify Points for every dollar spent on eligible purchases.

Alternatively, if you prefer to earn Qantas Points and receive Qantas Club lounge passes, the St.George Amplify Signature - Qantas option is worth considering.

Online offer

This online offer means you save $100 on the first year annual fee. If you apply for this offer anywhere but online, you will pay $279 instead of $179.
Product NameSt.George Amplify Signature - Online Offer
Rewards ProgramAmplify Rewards
Purchase rate (p.a.)19.49% p.a.
Offer end date2 October 2018
Annual fee$179 p.a. annual fee for the first year ($279 p.a. thereafter)
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.
$15,000
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.
$80,000
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
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
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.
3%
of transaction value
Gambling Transactions AllowedYes
Additional Cardholder Fee$0
Number of Additional Cardholders1

Pros

  • Receive 90,000 bonus Amplify Points when you apply online by 2 October 2018 and spend $4,000 within 90 days of card approval.
  • Save $100 with a reduced $179 annual fee in the first year.

Cons

  • A relatively high standard annual fee of $279 applies after the first year.
Rewards ProgramAmplify Rewards
Bonus Points90,000 bonus points
Rewards Points per $ spent (VISA/MC)1.5
Rewards Points per $ (VISA/MC) CapUncapped

Benefits of using St.George Amplify Signature

  • Discounted first year annual fee. When you apply online by 2 October 2018, you will save $100 on the first year annual fee. Pay $179 for the first year, reverting to $279 p.a. in subsequent years.
  • Bonus points offer. Apply online by 2 October 2018 and receive 90,000 bonus Amplify Points when you spend $4,000 on eligible purchases using your card within the first 90 days from approval.
  • Competitive earn rate. You will earn 1.5 points for every dollar spent at eligible Australian and overseas merchants. The St.George Amplify Signature also offers uncapped points earning potential.
  • Overseas travel insurance. The cardholder and their family have access of up to 6 months of coverage.
  • Airline lounge passes. Amplify Rewards also gives you access to two complimentary Priority Pass airport lounge passes per year.
  • 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.
  • 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. After the first year annual fee promotion, 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.

Back to top
Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy & Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.

105 Responses

  1. 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?

    • finder 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

  2. 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

    • finder 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

  3. Default Gravatar
    LouisMarch 6, 2018

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

    • finder 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

  4. Default Gravatar
    AndrewFebruary 4, 2018

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

    • finder 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

  5. Default Gravatar
    CraigJanuary 24, 2018

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

    • finder Customer Care
      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.

      Cheers,
      Joel

  6. 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?

    • finder Customer Care
      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.

      Regards,
      Jhezelyn

  7. Default Gravatar
    November 28, 2017

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

    • finder Customer Care
      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

      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

    • finder 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

  8. 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?

    • finder Customer Care
      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.

      Cheers,
      Harold

  9. 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.

      Cheers,
      Jonathan

  10. 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.

      Cheers,
      Jonathan

Credit Cards Comparison

Rates last updated August 15th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Citi Clear Platinum - Exclusive Offer
14.99% p.a.
0% p.a. for 24 months with 1.5% balance transfer fee
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
finder Exclusive: Receive 0% p.a. for 24 months on balance transfers and a discounted annual fee in the first year. Plus, access to Citi World Privileges.
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
Westpac Altitude Platinum Card - Qantas
20.24% p.a.
$50 p.a. annual fee for the first year ($150 p.a. thereafter)
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, a $50 first year annual fee.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 25 months
$99 p.a.
Get platinum perks and save with 0% p.a. interest for up to 25 months on balance transfers with no BT fee.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

Ask a question
Go to site