In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert
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St.George Amplify Signature Credit Card

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St.George Amplify Signature
Go to site
Terms and conditions apply
Bonus points
Purchase rate
19.49% p.a.
Reward points per $ spent
Annual fee for the first year ($295 p.a. thereafter)
$199 p.a.

Our verdict

Offers 150,000 bonus Amplify Points and a reduced $199 annual fee in the first year, which goes to $295 after that.

The St.George Amplify Signature is a top-tier rewards card that gives you 150,000 bonus points, with potential rewards including gift cards, retail items or frequent flyer points. But to earn all the points, you’d need to spend at least $12,000 on eligible purchases.


  • 150,000 bonus Amplify Points
  • Discounted annual fee of $199 in the first year
  • 2 complimentary airport lounge passes per year
  • Complimentary overseas travel insurance for up to 6 months


  • $295 annual fee after the first year
  • 3% foreign transaction fee
  • Balance transfer offer has a one-time 1% balance transfer fee

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert

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


Product details

Product Name St.George Amplify Signature
Balance transfer rate p.a. 0% for 24 months with 1% balance transfer fee, then 21.49%
Balance transfer limit 80% of available limit
Purchase rate p.a. 19.49%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 21.49%
Min credit limit $15,000
Max credit limit $80,000
Card type Visa


Available to temporary residents Yes - Conditions apply
Joint application No


Rewards program Amplify Rewards
Bonus points 150,000
Rewards points per $ spent 1.5


Annual fee $199 first year ($295 after)
Minimum monthly repayment 2% of the closing balance or $10, whichever is greater
Late payment fee $15
Foreign currency conversion fee 3%
Cash advance fee 3%
Overseas cash advance fee 3% of each cash advance amount
Additional cardholder fee $0
Number of additional cardholders 1

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

  • New cardholder. To take advantage of the bonus point offer on this card, you must not currently hold an Amplify Platinum or Amplify Signature Credit Card from Bank of Melbourne, St.George or BankSA. You also must not have held any of these accounts within the past 12 months.
  • Residency. You must be an Australian citizen or permanent resident with a fixed address in Australia. If you're a temporary resident, you can apply if you have an acceptable visa with a minimum of 1 year before its expiry. Finder's guide to credit cards for temporary residents has more details on these requirements.

Card benefits

  • 150,000 bonus Amplify Points. If you're a new Amplify cardholder, you can get 150,000 bonus Amplify Points when you spend at least $12,000 on eligible purchases in the first 12 months. Offer ends on 30 April 2024.
  • Discounted first-year annual fee. Apply and get approved by 30 April 2024 to save with a $199 annual fee for the first year (reverts to $295 p.a. thereafter).

Rates & fees

  • Annual fee. Outside of any promotions, this card charges a standard annual fee of $295 p.a.
  • Interest rates. The variable interest rate for purchases is 19.49% p.a., while the cash advance rate is 21.49% p.a.

Your reviews

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November 09, 2023

Is there any list of participating airport lounges around the world?


Amy Bradney-George Finder

November 10, 2023

Hi Natalie,

The airport lounge passes are provided through Priority Pass, which has an airport lounge search tool on its website. Finder’s guide to Priority Pass also has examples of lounges around the world. I hope this helps.

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November 01, 2023

Can the points and all future points get transferred to Velocity frequency flyer ?

Does this card allow me and my wife access to international travel lounge at airports, at no extra cost?


Amy Bradney-George Finder

November 03, 2023

Hi Gill,

You can choose to transfer St.George Amplify Points to your Velocity Frequent Flyer account at any time, as long as you have a minimum of 3,000 points available. You also get 2 complimentary Priority Pass lounge passes each year you have the card, which gives you access to more than 1,400+ participating airport lounges around the world. You can also pay for further visits each year, with the costs available through Priority Pass. I hope this helps.

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September 04, 2023

Amplify credit card with the 150,000 bonus points? Can they be converted to qantas points?


Amy Bradney-George Finder

September 04, 2023

Hi Amy,

You can choose between earning Amplify Points or Qantas Points with this card, but the number of points are different and there is a yearly Qantas Rewards fee. Check out Finder’s St.George Amplify Signature Qantas Card Review. And if you choose Amplify Points, you can transfer them to Velocity Frequent Flyer or Singapore Airlines KrisFlyer. I hope this helps.

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April 04, 2023

Is there a minimum annual income for this card?


Amy Bradney-George Finder

April 05, 2023

Hi Zeph,

There is no specific minimum income requirement listed for this card, but you need to earn a regular, Australian-taxable income that St.George can verify.

Keep in mind that income is only one of the factors used to assess credit card applications. Other key factors include your employment status, assets and savings, existing debt and regular expenses. I hope that helps.

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January 08, 2019

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


John Basanes Finder

January 09, 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!



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