St.George Amplify Signature Credit Card

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Card features
Rewards program
Earn rate
Sign up bonus
Points earned
St.George Amplify Signature Credit Card
Apply by 02 oct 18
5 reviews
St.George Amplify Signature Credit Card
Up to 90,000 points. Conditions Apply.
Boost your Amplify Qantas or Amplify account with 1.5 points per $1 you spend.
A reduced annual fee of $179 p.a. for the first year.
Add to comparison
Amplify QantasAmplify Rewards
Amplify Qantas or Amplify Rewards
0.75 pts
per $1 spent (QFF)
after spend criteria

Pros & cons

What's good?

What's not so good?

Earn up to 90,000 bonus Qantas or Amplify points when you spend $4,000 within 90 days from card approval. Exclusions apply.
Receive a birthday points bonus of 10% of the points earned in the last 12 months.
A reduced annual fee of $179 p.a. for the first year.
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.
If you’re a newcomer to Qantas the $89.50 enrolment fee is FREE!
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.
Not the best points earning ratio for each dollar you spend on domestic spending.
Overseas transactions get charged a 3% foreign transaction fee of the Australian dollar value.

User reviews

3.8 out of 5.0 based on 5 reviews100% of reviewers would recommend this card

Rates and fees
Customer service

Reviews from users

Bonus fee-free card from home loan package

Reviewed and recommended by William on 11 Dec 2016

It comes with the Advantage Package home loan. It has no fees, low rates, complimentary travel insurance, and you get perks like two Qantas lounge passes annually.

This is a great card if you like to travel. The extra perks are geared towards people that often travel overseas.

Great rewards and benefits

Reviewed and recommended by Kathryn on 21 Sep 2016

This card has a really great rewards system and some really good benefits. Rewards and benefits are easy to access, and not confusing.

Fees are a little high, but it has a good interest-free period.

Overall I am very happy with this card, and would recommended it to others.

I redeemed nearly $200 in one year

Reviewed and recommended by Sinthuja on 20 Sep 2016

I am happy with this card. There’s a good limit, double points, rewards, easy redemption and good service. It’s easy using NetBank,and easy to manage your card limit (increase/decrease).

So far so good — no long waiting time for approval and it was quickly delivered. Term and conditions are good, late fees lower, and ATM fees are good.

Pleased with this card so far

Reviewed and recommended by Deborah on 11 Jul 2016

I have always banked with St George and recently updated to the Amplify Credit Card as I previously only had a debit card. I feel happy with my rate and the St George app allows me to track my spending and payments effectively. I received a 0% annual fee for the first year. There are rewards associated with this card but I have not looked too much into them.

No fuss card

Reviewed and recommended by Faria on 10 Sep 2014

Certainly convenient if you’re looking to secure a home loan. Fast, easy and fuss free application process. Statements are not sent regularly, therefore you are unsure where you stand financially with this card. Recommend for certain loans such as home and car, otherwise I would stick with a more renowned bank.

Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

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 Qantas or 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
$179 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
90,000 points
Reward points expiry
Never as long as you keep your account active
Rewards program
Amplify Qantas or Amplify Rewards
Spend required for bonus points
$4,000 in 90 days

Earning points with this card

Frequent flyer points
0.75 pts per $1 spent (QFF)
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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