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St.George Amplify Signature Qantas

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Enjoy 90,000 bonus Qantas Points and luxury travel perks with the St.George Amplify Signature Qantas card.

The Amplify Signature with Qantas Points is St.George’s top-tier frequent flyer card. It boasts complimentary insurance covers, a 24/7 concierge and yearly airport lounge passes.


Bonus points

19.74% p.a.

Purchase rate


Reward points

Per $ spent (Visa/Mastercard)

$279 p.a.

Annual fee


Product NameSt.George Amplify Signature - Qantas
Rewards programQantas Frequent Flyer
Balance transfer rate0% p.a. for 6 months
Balance Transfer Revert RateCash Advance Rate (21.49% p.a.)
Balance Transfer Limit80% of available limit
Purchase rate (p.a.)19.74% p.a.
Annual fee$279 p.a.
Interest free period55 days
Cash advance rate (p.a.)21.49% p.a.
Min credit limit$15,000
Max credit limit$80,000
Card typeVisa
Foreign currency conversion fee (Visa/Mastercard)3%
Complimentary travel insuranceYes
Minimum age18 years of age
Available to temporary residentsYes - Conditions apply
Joint applicationYes - Conditions apply


  • 90,000 bonus Qantas Points when you spend $6,000 within 90 days of card approval
  • Uncapped rewards points on eligible purchases
  • 2 complimentary Qantas Club lounge passes per year


  • A relatively high standard annual fee of $279 applies
  • Charges a 3% foreign transaction fee
Rewards programQantas Frequent Flyer
Bonus Points90,000 bonus points
Rewards Points per $ spent (Visa/Mastercard)0.75
Annual fee$279 p.a.
Minimum monthly repayment2% of the closing balance or $10, whichever is greater
Late payment fee$15
Foreign currency conversion fee (Visa/Mastercard)3%
Cash Advance Fee2% or $2.50, whichever is greater
Overseas cash advance fee2% of transaction amount or $2.50 (whichever is greater), capped at $150 / transaction
Additional cardholder fee$0
Number of Additional Cardholders1

Expert review

Sally McMullen

Review by

Sally McMullen is a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The St.George Amplify Signature Qantas card boasts one of the most attractive bonus points offers for Qantas Points chasers. With 90,000 Qantas Points, you could fly return from Melbourne to Auckland in business class (83,000 points).

How to apply

You can apply for the St.George Amplify Signature Qantas card online in 10 minutes. Before you get started, make sure you meet the eligibility requirements and have the necessary documents ready:

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. To apply online, you must be an Australian citizen or permanent resident.

Card benefits

  • Bonus points offer. Receive 90,000 bonus Qantas Points when you apply by 30 September 2020 and spend $6,000 on eligible purchases using your card within the first 90 days from approval. Your points will be credited to your account within 12 weeks of meeting the spend requirement.
  • 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.

Rates & fees

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

Ask an expert

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  1. Default Gravatar
    June 25, 2019

    My wife & I are both retired and have combined super in 7 figures. No card company wants to know this as we don’t have a pay slip. Our credit rating is perfect. It almost seems impossible to get a new card with these Qantas specials. Any suggestions?

    • Default Gravatar
      June 26, 2019

      Hi Allan,

      Thanks for getting in touch!

      It’s great to know that your credit rating is perfect. While this may give high hopes of approval, the probability of being approved or not depends upon how you match the eligibility requirements of the card so make sure to always check those ones carefully.

      If you are still looking to get a credit card and given you are retired, you can refer to this page. On the page, you’ll find:

      – a long list of providers along with retiree and pensioner application details
      – Mistakes to avoid when applying for a credit card

      You can click the brand name of the bank if you wish to read a review about them on Finder pages. When you’re ready to apply for the card, check for a GO TO SITE button and you will be redirected to their main website.

      As a friendly reminder, read the eligibility criteria, features, as well as the Product Disclosure Statement and Terms and Conditions of the card before making a decision and consider whether the product is right for you.

      Hope this helps! For any further questions, feel free to reach out to us again, we’re here to help.


  2. Default Gravatar
    March 22, 2019

    Hi, is there a minimum salary earning for this please?

    • Avatarfinder Customer Care
      March 23, 2019

      Hi Vanessa,

      Thank you for visiting Finder and for leaving a question.

      I’m afraid St.George Amplify Signature – Qantas Credit Card did not specify if there’s a minimum income requirement to be eligible for this card. Although, you still need to show your proof of income and employment as well as your financial commitments for their checking.

      I suggest that you contact St. George first to check prior to application to make sure that your income is eligible for the credit card product you wish to have.

      Hope this helps and ​please feel free to contact us back should you require further assistance.

      Kind Regards,

  3. Default Gravatar
    March 14, 2019

    Does the St George Amplify Signature – Qantas card give supplementary cards for spouse?

    • Avatarfinder Customer Care
      March 16, 2019

      Hi Chris,

      Thank you for getting in touch with Finder.

      This card accepts joint account application or you may have your spouse as your additional cardholder at no cost.

      I hope this helps.

      Thank you and have a wonderful day!


  4. Default Gravatar
    February 21, 2019

    Overseas travel insurance. The cardholder and their family have access of up to 6 months of coverage.
    Could you please explain what is meant by access of up to 6 months for overseas travel insurance?

    • Avatarfinder Customer Care
      February 23, 2019

      Hello John,

      Thank you for your comment.

      It means that the coverage of your complimentary travel insurance will be provided for six months or until you return to your home in Australia, whichever occurs first.


  5. Default Gravatar
    December 13, 2018

    Need to ‘visit a branch’ to:

    1) Verify identity for an additional card holder
    2) Organise an auto-pay for the full balance each month.

    Cannot be done on-line or over the phone.

    On the plus side, it works beautifully with Google Pay!

    • Avatarfinder Customer Care
      December 18, 2018

      Hi Chris,

      Thank you for reaching out to finder.

      Based on your location, the nearest branch of St. George is located here:

      75 Brisbane St,
      Launceston, TAS 7250

      Hope this helps!


  6. Default Gravatar
    December 6, 2018

    Does this card offer Apple Pay or an alternative to pay using your mobile? When I say pay using my mobile I mean with an app and not having to attach anything to the back of the phone like some of the banks have setup.

    • Avatarfinder Customer Care
      December 9, 2018

      Hi Stephen,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      At the time of this writing, St George credit cards including this one, do not have Apple Pay feature. According to St George’s website, they always monitor the market and find the best way for their clients to make payments. They mentioned that they still don’t have an expected time when they will implement Apple Pay.

      For the meantime, you might consider checking our list of credit cards with Apple Pay here.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  7. Default Gravatar
    November 20, 2018

    Am I eligible for the bonus points and discounted annual fee (Qantas rewards) if I’m a current Westpac customer? I’m aware of the relationship between BankSA and St George (if I was a BankSA customer, I wouldn’t be eligible), but does the same apply if you’re as a Westpac customer?

    • Avatarfinder Customer Care
      December 1, 2018

      Hello Jason,

      Thank you for your comment.

      According to the terms and conditions of the offer, existing customers who currently hold an Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, or who have held one in the last 12 months, are not eligible for this offer. So if you’re a Westpac customer and your account is not an Amplify Platinum or Amplify Signature, you will still be eligible for the offer.

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


  8. Default Gravatar
    September 17, 2018

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

    • Avatarfinder Customer Care
      September 17, 2018

      Hi Anne,

      Thank you for leaving a question.

      You could find out your credit rating by clicking our free credit score link here: 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!


  9. Default Gravatar
    September 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?

    • Avatarfinder Customer Care
      September 7, 2018

      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.


  10. Default Gravatar
    August 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”?

    • Avatarfinder Customer Care
      August 28, 2018

      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!


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