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 by 22 May 2019 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
Balance transfer rate0% p.a. for 6 months
Balance transfer revert rate
The interest rate that will apply to any remaining balance after the balance transfer term ends.
Cash Advance Rate (20.24% p.a.)
Balance Transfer Limit80% of available credit limit
Purchase rate (p.a.)19.49% p.a.
Offer end date22 May 2019
Annual fee$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Interest Free Period
The interest-free period is the maximum 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 limit you can be granted. It is possible to request a higher credit limit but not a lower one than this figure.
$15,000
Max credit limit
This is the maximum credit limit available on this card and you can apply for increases after the account has been opened. This credit limit may not be issued to you immediately upon application.
$80,000
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Charged when you make a transaction that is converted by Visa 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)
Charged when you make a transaction that is converted by Visa 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.
  • 0% p.a. interest rate for 6 months on balance transfers.

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 when you apply by 22 May 2019.
  • Bonus points offer. Receive 80,000 bonus Qantas Points when you apply by 22 May 2019 and 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.
  • Balance transfer offer. Apply by 22 May 2019 and take advantage of a 0% p.a. interest rate for the first 6 months on balance transfers. After the promotional period, any balances remaining will be charged at the variable cash advance rate. Note that you cannot transfer balances from existing BankSA, Bank of Melbourne, or St.George credit cards.
  • 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 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.

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 Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

46 Responses

  1. Default Gravatar
    VanessaMarch 22, 2019

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

    • finder Customer Care
      MaiMarch 23, 2019Staff

      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,
      Mai

  2. Default Gravatar
    March 14, 2019

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

    • finder Customer Care
      JeniMarch 16, 2019Staff

      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!

      Cheers,
      Jeni

  3. Default Gravatar
    johnFebruary 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?

    • finder Customer Care
      JhezelynFebruary 23, 2019Staff

      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.

      Regards,
      Jhezelyn

  4. Default Gravatar
    ChrisDecember 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!

    • finder Customer Care
      JohnDecember 18, 2018Staff

      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!

      Cheers,
      Reggie

  5. Default Gravatar
    StephenDecember 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.

    • finder Customer Care
      JoshuaDecember 9, 2018Staff

      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!

      Cheers,
      Joshua

  6. Default Gravatar
    JasonNovember 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?

    • finder Customer Care
      JhezelynDecember 1, 2018Staff

      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.

      Regards,
      Jhezelyn

  7. 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

  8. 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

  9. 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

  10. 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

Credit Cards Comparison

Rates last updated March 27th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks. Ends 31 March 2019.
HSBC Platinum Credit Card
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
0% p.a. for 22 months on balance transfers with no BT fee. Plus, a yearly annual fee refund when you spend $6,000 and 2 lounge passes per year.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
0% p.a. for 18 months
$50 p.a.
Earn 20,000 bonus Velocity Points and save with an ongoing $50 p.a. annual fee. Plus, receive a $129 Virgin Australia Gift Voucher each year.
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.

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