St.George Amplify Signature Credit Card Online Exclusive Offer (Amplify)

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St.George Amplify Signature Credit Card Online Exclusive Offer (Amplify)
Apply by 23 jan 19
St.George Amplify Signature Credit Card Online Exclusive Offer (Amplify)
Up to 100,000 Amplify points. Conditions Apply.
No annual fee in the first year, currently saving you $279.
Boost your Amplify account with 1.5 points per $1 you spend.
Add to comparison
Amplify Rewards
Amplify Rewards
1.5 pts
per $1 spent (Amplify)
after spend criteria

Pros & cons

What's good?

What's not so good?

Earn up to 100,000 bonus Amplify points when you spend $4,000 within 90 days from card approval. Exclusions apply.
No annual fee in the first year, currently saving you $279.
Receive a birthday points bonus of 10% of the points earned in the last 12 months.
Flexibility to choose the rewards programs that better suits you. Amplify points can be redeemed through Virgin Australia’s Velocity, Malaysia Airlines’ Enrich and Singapore Airlines’ KrisFlyer.
Enjoy two complimentary airport lounge passes per year upon enrolment.
International travel insurance for trips up to 6 months for you and your family including medical expenses, unexpected trip cancellation and rental vehicle excess.
Signature benefits including membership to Visa Luxury Hotel Collection.
Overseas transactions get charged a 3% foreign transaction fee of the Australian dollar value.

Our review

Our review of the St.George Amplify Signature Credit Card Online Exclusive Offer (Amplify) Reviewed by Yvonne Taylor

Want to go one better than the already attractive St. George Amplify Signature Credit Card? You can do just that with the St. George Amplify Signature Credit Card Online Exclusive Offer (Amplify). That’s quite a mouthful, but the card itself is easy to get your head around, and even easier to milk for extensive benefits. You’ll be able to take advantage of a huge bonus points windfall, a first-year annual fee waiver, birthday bonuses and a solid ongoing points earning rate.

100,000 bonus points up for grabs

Get your Amplify Rewards points account off to a flying start by spending $4,000 using the card within the first 90 days of holding it. That just $1,333 per month on average, an amount that anyone looking at a Signature level card will probably spend on everyday purchases without giving it a second thought.

Ongoing points earning rate

You’ll earn 1.5 Amplify Rewards points per dollar spent on eligible purchases. (‘Eligible purchases’ excludesitems such as balance transfers and cash advances, interest charges and other card fees.) It’s not the highest points earning rate around but bear in mind that there’s no points cap or threshold. Points thresholds (a limiting monthly spending amount, beyond which the points earning rate drops dramatically) and points caps (a limiting monthly or annual amount, beyond which no points at all can be earned) are a feature of many of this card’s competitors.

Amplify Rewards is St. George’s own rewards program. It has all the usual points redemption options (merchandise, retail gift cards, movie tickets, entertainment experiences, holiday packages) plus conversion to frequent flyer points with three airlines.

More detail about points redemption

Having spent your initial $4,000 in 90 days, you’re going to have 106,000 Amplify Points to play with. Here are some of the things you could exchange them for:

  • 53,000 Virgin Australia Velocity frequent flyer points
  • 53,000 Singapore Airlines KrisFlyer Miles
  • 53,000 Malaysia Airlines Enrich Points
  • $475 worth of gift cards to spend at national retailers
  • 36 Event Cinema adult movie passes
  • A Brother multifunction colour printer and a long list of other merchandise from an online catalogue
  • Hotel accommodation and car hire booked through Amplify Travel

Birthday benefits

St. George will make your birthday happier with a bonus of 10 percent of the points you earned in the previous year. So if your average card spending is $1,500 per month you will earn 27,000 Amplify points and receive a birthday bonus of 2,700 Amplify points.

First year fee waiver

You can try this card free of charge for a year, with this exclusive online special first year fee waiver. The ongoing fee of $279 kicks in for the second and subsequent years.

International travel benefits

Regular international travellers will get the most out of this card, even though the benefits are somewhat tarnished by the 3 percent international transaction fee.

The card comes with two single-visit Priority Pass lounge passes each year. The Priority Pass lounge network in Australia is growing, and there are now lounges in Sydney, Melbourne, Brisbane, Adelaide, Darwin and Cairns, plus more than 1,200 worldwide.

Luxury hotels

Once again, you’ll need to be a frequent traveller or a higher-than-average spender to appreciate the automatic membership of the Visa Luxury Hotel Collection, offering extras such as best available rates, free Internet, complimentary breakfast and late checkout at 900 hotels worldwide.


The full premium card insurance package is built into the Amplify Signature card:

  • Overseas travel: Cover for you and your immediate family for trips of up to six months, including emergency medical expenses, unavoidable trip cancellation and rental car excess.
  • Interstate flight inconvenience: Trip cancellation or delay cover, luggage cover
  • Transit accident: Cash compensation for serious accidents sustained on planes and public transport.
  • Rental vehicle excess in Australia: You don’t need to be travelling to take advantage of this cover, which few other cards provide.
  • Purchase cover: Four months of protection against loss, theft or damage for new items bought with the card.
  • Extended warranty: Up to 12 extra months on top of the manufacturer’s Australian warranty.
  • Price guarantee: Get the purchase price difference refunded if you find it cheaper elsewhere within 21 days.

The extensive multi-trip international travel insurance for a family would normally set you back about $750 per year. The total value of these insurance policies is estimated to be about $1,350 per year.

Unsurprising interest rates

Premium rewards cards like this one are never going to be about low interest rates. The purchases interest rate of 19.49 percent p.a. is totally avoidable if you take full advantage of the 55 interest-free days on purchases and pay your account balance in full each month. Similarly, avoid taking cash advances and you’ll never pay the steep 20.24 percent p.a. cash advance rate.

A look at the competition

If you’re looking to earn rewards points, this card’s closest competitors include Westpac’s Altitude cards, the NAB Rewards Signature Card and the ANZ Rewards Black Credit Card. You can compare these cards and more on the All Rewards page in our Features section.

Who will benefit most from the St. George Amplify Signature Credit Card?

International travel insurance, airport lounge passes, luxury hotel benefits and the absence of a points cap make this an ideal card for big spenders who enjoy regular international travel. They should have no trouble recouping the cost of the relatively high annual fee (waived in any case in the first year), even when the first purchase bonus points and $300 travel credit have become a distant memory.

The basics

About this card

Card setup
Card tier
Card type
Card use
Credit rating
Gambling transactions allowed
Joint application
Minimum age
18 years old
Minimum income
Minimum income for pensioners
Same as standard
Rewards program
Amplify Rewards
Temporary residents


Additional cardholders
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
Maximum credit limit


Interest charged from
Purchase date
Interest free period
Up to 55 days on purchases
Minimum repayment

Rates & fees

Ongoing interest rates

Cash advances 1.69% 20.24% p.a.
Purchases 1.62% 19.49% p.a.


Annual fee
$0 p.a.
Annual fee 2nd year
$279 p.a.
Cash advance fee
Dishonour fee
Duplicate statement fee
Foreign exchange fee
Late payment fee
Over limit fee
Overseas ATM balance fee
Overseas ATM withdrawal fee
Overseas emergency card replacement fee
Transaction verification fee

Rewards & points

Cool stuff you can get with your points

Disclaimer: Points required accurate as of the 31st March 2018.

Rewards program basics

First purchase bonus
100,000 points
Reward points expiry
Never as long as you keep your account active
Rewards program
Amplify Rewards
Spend required for bonus points
$4,000 in 90 days

Earning points with this card

Frequent flyer points
1.5 pts per $1 spent (Amplify)
Overseas earn rate
1.5 pts per $1 spent (Amplify)
Points cap per month
Points cap per year
Points earned on ATO payments
Reward points
1.5 pts per $1 spent (Amplify)

Additional benefits

Airport lounge access
Complimentary flight voucher
Concierge service

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Earn a regular any weekly income
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Joint applications are allowed
Temporary residents are eligible
Age Pension, Disability Pension and Widower's Pension are acceptable.
Family Tax Benefits and Parenting Payments is acceptable.
Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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When you get your credit score and apply for a credit card by March 1, 2019.
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