St.George Amplify Signature – Qantas Credit Card

Save $100 with a discounted first year annual fee and receive 80,000 bonus Qantas Points when you apply and meet the spend requirement.

The Amplify Signature with Qantas Points is St.George’s top-of-the-line frequent flyer credit card. It boasts all the features of a St.George Amplify Platinum Qantas card—including complimentary insurance and a 24/7 concierge service - plus a range of other perks, including 80,000 bonus points and Qantas Club lounge passes. The St.George Amplify Signature earns 0.75 Qantas Points for every dollar spent on eligible purchases.

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

Product NameSt.George Amplify Signature - Qantas
Rewards ProgramQantas Frequent Flyer
Purchase rate (p.a.)19.49% p.a.
Annual fee$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Interest Free Period
The interest-free period is the number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date.
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 upon application. This is the maximum credit limit available on this card and you can apply for increases after the account has been opened.
$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 ResidentsNo
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
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
Cash Advance Fee2%
Overseas Cash Advance Fee2% of the value of the transaction or minimum charge of $2.50
Gambling Transactions AllowedYes
Additional Cardholder Fee$0
Number of Additional Cardholders1

Pros

  • Receive 80,000 bonus Qantas Points when you apply and spend $4,000 within 90 days of card approval.
  • A discounted $179 first year annual fee, saving you $100.

Cons

  • This card charges a relatively high standard annual fee of $279 after the first year.
Rewards ProgramQantas Frequent Flyer
Bonus Points80,000 bonus points
Rewards Points per $ spent (VISA/MC)0.75
Rewards Points per $ (VISA/MC) CapUncapped

Benefits of using St.George Amplify Signature - Qantas

  • Discounted first year annual fee. Pay $179 for the first year, reverting to $279 p.a. in subsequent years.
  • Bonus points offer. Receive 80,000 bonus Qantas Points when you spend $4,000 on eligible purchases using your card within the first 90 days from approval.
  • Competitive earn rate. With the Amplify Qantas program, you will earn 0.75 Qantas Points for every dollar spent in Australia and eligible 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 Qantas members receive two complimentary Qantas Club Lounge invitations 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 - Qantas

  • 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 - Qantas

It takes around 10 minutes to apply for the St.George Amplify Signature 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 - Qantas 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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34 Responses

  1. Default Gravatar
    AnneSeptember 17, 2018

    Could you tell me how you can find out what your credit card rating is.

    • finder Customer Care
      JohnSeptember 17, 2018Staff

      Hi Anne,

      Thank you for leaving a question.

      You could find out your credit rating by clicking our free credit score link here: https://www.finder.com.au/credit-score. You’ll receive your credit score (a number that represents your credit position) and your credit report for a more detailed view. We’ll tell you any time something on your credit report changes. See how you’re improving over time with score tracking and automatic credit score updates every month. Simply log in to your finder dashboard to check your credit score and report at any time. Hope this helps!

      Cheers,
      Reggie

  2. Default Gravatar
    JoozeSeptember 5, 2018

    The minimum credit limit is $15,000.

    I do not have any outstanding loans and do not anticipate applying for any loans in the next 12-24 months.

    I do have an existing American Express Ultimate Qantas card.

    What should I be wary off with the high minimum credit limit?

    • finder Customer Care
      CharisseSeptember 7, 2018Staff

      Hi Jooze,

      Thank you for reaching out to finder.

      While having a credit card with high credit limit may be beneficial, there are also things you should watch out for such as higher annual fees. Most cards which offer higher credit limits also tend to have higher annual fees.
      Another thing is the interest charge. Having higher credit limit could also result to more interest charges as compared to a standard card if you carry a balance from month to month.

      It’s always good to consider the costs and benefits of having a higher limit credit card to help you decide if it’s really worth it.

      If you are still looking to compare high limit credit cards, you can check out your options on this page.

      Hope this helps.

      Cheers,
      Charisse

  3. Default Gravatar
    JosephineAugust 28, 2018

    I’ve read that I can “receive 90,000 bonus Qantas Points when you spend $4,000 on eligible purchases using your card within the first 90 days from approval”.

    Could you please explain what are considered “eligible purchases”?

    • finder Customer Care
      JeniAugust 28, 2018Staff

      Hi Josephine,

      Thank you for getting in touch with finder.

      This basically means that not all purchases you make using this credit card is eligible to earn points. Eligible purchases include everyday spending on groceries, petrol, dining and retail shopping. Eligible purchases do not include BPAY or BPAY equivalent transactions, fees, cash, cash equivalent transactions, refunds and balance transfers debited from the card account.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  4. Default Gravatar
    August 28, 2018

    Do they provide a supplementary card, say for a wife?

    • finder Customer Care
      JhezelynAugust 30, 2018Staff

      Hello Dennis,

      Thank you for your comment.

      According to the Amplify Rewards Terms and Conditions, yes, you can add one additional cardholder for free.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

  5. Default Gravatar
    GBApril 24, 2018

    In Nov 2017 I closed my BankSA Amplify Platinum account. I have recently applied for, and have just received, a new St George Amplify Signature card. I have never dealt with St George before and therefore am a new St George customer.

    I am now being told that I may not be eligible for the advertised 90,000 Qantas bonus points.

    In the terms and conditions there is no reference to BankSA being part of the eligibility conditions. The St George website makes references to their “Existing customers” which would be referring to existing St George customers only.

    Previous replies on this web page say that the 12 month rule only applies to existing St George customers.

    Can you please explain what is going on here.

    • Default Gravatar
      ArnoldApril 24, 2018

      Hi GB,

      Thanks for your inquiry

      I’m afraid, St.George has continued to run BankSA as one of their entities. This means that BankSA cards you had in the past 12 months such as the BankSA Amplify Platinum signature card will exclude you from being eligible for the St. George Offer.

      Hope this clarifies. Feel free to message us anytime should you have further questions.

      Hope this information helps

      Cheers,
      Arnold

  6. Default Gravatar
    RHApril 19, 2018

    Another bank refused to credit the bonus points for their card (after I had met the minimum spend conditions) saying that as I was already a customer of that bank before taking out the new card I was not eligible. This was not a condition described under eligibility criteria but was hidden away somewhere in the fine print. For the St George card, are existing customers eligible?

    • finder Customer Care
      NikkiApril 20, 2018Staff

      Hi RH,

      Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?

      Please note that we’re a product comparison website and we hold no affiliation with any company we feature on our site. We provide general information on products to assist you in your buying decision process hence we cannot recommend product / service that is rightfully fit for you.

      All eligible customers whether they’re new or existing can apply for the amplify credit cards. The only time an existing customer would not be eligible for this is 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.

      Hope this clarifies. Feel free to message us anytime should you have further questions.

      Cheers,
      Nikki

    • Default Gravatar
      RHApril 20, 2018

      I understand that anybody can apply but would existing St George customers be eligible for the bonus points?

    • finder Customer Care
      JeniApril 20, 2018Staff

      Hi RH,

      Thank you for getting in touch with finder.

      If you are an existing St. George customer holding an Amplify Platinum or Amplify Signature card then you are not eligible for the bonus points.

      Upon going through the terms and conditions, it says: “Existing 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 helps.

      Have a great day!

      Cheers,
      Jeni

  7. Default Gravatar
    April 12, 2018

    I recently applied for this credit card and you have written above that I will be eligible if I APPLY by the 18th of April however I have spoken to a St George representative and they said you need to be APPROVED prior to that deadline.
    Please can you confirm which one is correct.

    • finder Customer Care
      MayApril 12, 2018Staff

      Hi Davids,

      Thank you for getting in touch.

      Most credit cards, including St.George, give an instant response to a credit card application and conditional approval. Typically, applications can only take 10 minutes and another 60 seconds to receive conditional approval. So effectively they’re both correct. Keep in mind though that you’d need to make sure to provide all requested information and documents.

      Cheers,
      May

  8. Default Gravatar
    MarkApril 9, 2018

    With the 90 days for the bonus points, is that from approval date or activation date

    • finder Customer Care
      NikkiApril 9, 2018Staff

      Hi Mark,

      Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?

      In order to get the bonus points, you must spend the $5,000 on eligible purchases within 90 days of the card approval date.

      Hope this helps! Feel free to message us anytime should you have further questions.

      Best regards,

      Nikki

  9. Default Gravatar
    April 4, 2018

    Hi … i want to know that how much credit score is needed to get this card approved…

    • finder Customer Care
      MayApril 4, 2018Staff

      Hi Raj,

      Thanks for your question.

      With credit cards, you must have a good credit rating to be able to apply. If you are bordering at below average, I’m afraid no banks will accept your application. So with this St.George Amplify Signature – Qantas, you need to have a good credit score and meet all the eligibility criteria in order to get approved.

      Cheers,
      May

  10. Default Gravatar
    April 3, 2018

    I already have an Amplify Qantas current as at now with Bank of Melbourne, does that mean I cannot apply for this St George Amplify Platinum? Even if I close the Bank of Melbourne, I would have to wait 12 months to qualify for the bonus points?

    • Default Gravatar
      ArnoldApril 3, 2018

      Hi Adrian,

      Thanks for your inquiry

      That clause only applies to existing St. George customers, and currently holds an Amplify Platinum or Amplify Signature card, or have held one in the last 12 months. If this applies to you, then I’m afraid you will not be eligible for this offer.

      Hope this information helps

      Cheers,
      Arnold

Credit Cards Comparison

Rates last updated November 12th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee.
Qantas Premier Everyday
19.99% p.a.
4.9% p.a. for 24 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Take advantage of up to 40,000 bonus Qantas Points, a $0 first year annual fee plus complimentary overseas travel insurance.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
Citi Platinum Credit Card - Exclusive Offer
0% p.a. for 13 months (reverts to 20.99% p.a.)
0% p.a. for 13 months
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
finder Exclusive:
Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.

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* 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.

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