St.George Amplify Signature Credit Card – Rates and Fees

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Receive 60,000 bonus Amplify Points or Qantas Points when you apply by 22 November 2017 and meet the spend requirement and an additional 30,000 points in the second year.

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 1.5 Amplify Points for every dollar spent at eligible Australian merchants, or 1.5 Amplify Points for every dollar spent at overseas 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 ProgramAmplify Rewards
Purchase rate (p.a.)19.49% p.a.
Offer end date22 November 2017
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.
$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
Minimum Monthly Repayment2% or $10, whichever is greater
Card TypeVisa
Late Payment Fee$15
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
Available To Temporary ResidentsNo
Joint ApplicationYes
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
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
Annual Fee$279 p.a.
Minimum Repayment2% or $10, whichever is greater
Late Payment Fee$15
Over Limit Fee$0
Cash Advance Fee2% of each cash advance amount and all transfers
Overseas Cash Advance Fee2% of each cash advance amount and all transfers
Overseas Emergency Replacement$52.50
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
Gambling Transactions AllowedYes
Gambling Transactions Interest RateCash Advance Rate
Additional Cardholder Fee$0 p.a.
Number of Additional Cardholders1
BPAYYes
ChequeYes
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes
Rewards ProgramAmplify Rewards
Bonus Points on Sign-up60,000
Rewards Points per $ (VISA/MC)1.5
Rewards Points per $ (VISA/MC) CapUncapped
Points ExpiryNever

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 22 November 2017 and receive up to 90,000 bonus Amplify Points or Qantas Points (60,000 bonus points in the first year when you spend $3,000 using your card within the first 90 days, plus 30,000 bonus points in the second year when you pay the annual fee).
  • Competitive earn rate. If you choose the Amplify Rewards program, you receive 1.5 points for every dollar spent at eligible Australian merchants and 1.5 points for every dollar spent at merchants overseas. If you choose the Amplify Qantas program, you can earn 0.75 Qantas Points for every dollar spent in Australia and eligible overseas merchants. The St.George Amplify Signature card doesn't come with point caps.
  • 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 an 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

If the St.George Amplify Signature sounds like the ideal card for you, just simply complete an online application to begin the application process. In order to apply for the card you’ll need to be over 18 years of age, an Australian resident and have a good credit rating.

Required information

  • An Australian driver’s licence
  • Your employer’s contact details
  • Accountant’s contact details (if self-employed)
  • Details of your income, assets and liabilities

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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89 Responses

  1. 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.

      Cheers,
      Harold

  2. 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

  3. 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

  4. 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.

      Cheers,
      Liezl

  5. 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.

      Cheers,
      May

  6. Default Gravatar
    StuartNovember 29, 2016

    Hello,

    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.

      Cheers,
      May

    • 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. :)

      Cheers,
      May

  7. Default Gravatar
    AretaOctober 19, 2016

    Hello,

    Does Amplify Qantas will entitle both 2 complimentary Priority Pass lounge as well as 2 complimentary Qantas Club lounge annually or this option will only eligible for complimentary Qantas Club lounge?

    • Staff
      MayNovember 3, 2016Staff

      Hi Areta,

      Thank you for your question.

      With St.George Amplify Signature, each year upon statement, you can enjoy a comfortable relaxing pre-flight experience with:

      1. Two complimentary Priority Pass – if you choose Amplify Rewards OR
      2. Qantas Club lounge passes – if you choose Amplify Qantas

      To get more details and conditions about the lounge access attached to your St.George Amplify Signature, please click on the ‘Go to Site’ button and be redirected to the card’s fine prints.

      Hope this helps.

      Cheers,
      May

  8. Default Gravatar
    TrentOctober 9, 2016

    Hello,
    Does the Amplify (Qantas) card build point at 1.5 for every dollar spend. Same as the Amplify reward card ?
    Trent

    • Staff
      MayOctober 11, 2016Staff

      Hi Trent,

      Thanks for your question.

      With St.George Amplify Signature Credit Card, if you choose to earn Qantas points, you will earn 0.75 Qantas point for every $1 spent on eligible purchases.

      Cheers,
      May

  9. Default Gravatar
    September 20, 2016

    Do they allow balance transfers from another persons card? I also have a westpac card already is the interest free balance transfer offer still valid for me?

    • Staff
      JonathanSeptember 22, 2016Staff

      Hi Vince, thanks for your inquiry!

      Balance transfers between two separate cardholder names are not permitted, unless they are in a joint-account name.

      Balance transfers from Westpac to St. George are allowed, so this balance transfer offer will be valid for you.

      Cheers,

      Jonathan

  10. Default Gravatar
    AlisonAugust 17, 2016

    I have used my St George Amplify card to purchase online airline tickets and accommodation overseas. How does the complimentary travel insurance component of this card work here? Thank you.

    • Staff
      ChesterAugust 17, 2016Staff

      Hello Alison.

      Thanks for your question.

      To be eligible for this complimentary overseas travel insurance, before leaving Australia, you must have a return overseas travel ticket, and need to have prepaid at least A$500 of your travel costs using your eligible card. Travel costs include:

      Return overseas travel tickets
      Airport/departure taxes
      Prepaid overseas accommodation
      Prepaid overseas itinerary items.
      Please note for overseas travel insurance, the cover is only available to persons up to and including 80 years of age. Also, you will only be covered by the following:

      Medical and hospital expenses incurred overseas
      Loss or damage to personal property
      Legal liability
      Rental vehicle excess
      Unexpected cancellation of travel arrangements and other unexpected expenses.
      Limits apply if you have eligible pre-existing medical conditions.

      if you have further questions please feel free to contact QBE for more info.

      I hope this helps.

      Cheers!
      Chester

Credit Cards Comparison

Rates last updated November 18th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 15 months
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Fly faster with up to 2 Qantas Points per $1 spent, receive 2 yearly complimentary Qantas Club lounge invitations, plus, included travel insurance.
Woolworths Everyday Platinum Credit Card
19.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $50 eGift Card when you apply by 31 January 2018 and make an eligible purchase by 28 February 2018.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.

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