St.George Amplify Signature Credit Card (Amplify) | Review & Compare

St.George Amplify Signature Credit Card (Amplify)

What do you want this card for?
Save money
Earn points
My monthly spend: 
$5,000
 
Offer
Card features
Rewards program
Earn rate
Sign up bonus
Points earned
St.George Amplify Signature Credit Card (Amplify)
Apply by 22 may 19
5 reviews
St.George Amplify Signature Credit Card (Amplify)
Earn up to 200,000 Bonus Amplify Rewards Points over 2 years when you spend $12,000 on eligible purchases each year.
Boost your Amplify account with 1.5 points per $1 you spend.
Reduced annual fee of $179 in the first year, currently saving you $100.
Add to comparison
Amplify QantasAmplify Rewards
Amplify Qantas or Amplify Rewards
1.5 pts
per $1 spent
200,000
points
after spend criteria

Pros & cons

What's good?

What's not so good?

Earn up to 200,000 Bonus Amplify Rewards Points* over 2 years when you spend $12,000 on eligible purchases each year.
Receive a birthday points bonus of 10% of the points earned in the last 12 months.
Reduced annual fee of $179 in the first year, currently saving you $100.
0% p.a. for 6 months on balance transfers with 0% balance transfer fee on amounts transferred.
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.
For information about Qantas points earning rate of this card, please click here.
Overseas transactions get charged a 3% foreign transaction fee of the Australian dollar value.

Once the eligible spend requirement has been met, bonus points will be credited to your account within the next 12 weeks.

Disclaimer (2): Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

User reviews

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

Rates and fees
Rewards
Customer service
Convenience
Trust

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
Single
Card tier
Black
Card type
Visa
Card use
Personal
Credit rating
Any
Gambling transactions allowed
No
Joint application
Yes
Minimum age
18 years old
Minimum income
N/A
Minimum income for pensioners
Same as standard
Pensioners
Rewards program
Amplify Qantas or Amplify Rewards
Temporary residents
Yes

Cardholders

Additional cardholders
1
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
$15,000
Maximum credit limit
$80,000

Repayments

Interest charged from
Purchase date
Interest free period
Up to 55 days on purchases
Minimum repayment
whichever is greater, $10 or 2%

Balance transfers

The offer

Interest ratePeriodFeeLimitRevert rate
Balance transfers0% p.a.6 months0%80% of credit limit21.49% p.a.

Balance transfers to this card

Balance transfer earns rewards
No
Balance transfer fee payment due
First statement
Balance transfer from personal loan
No
Balance transfer processing time
10 - 14 days
Interest free days with unpaid balance
0 days
Maximum balance transfer
80% of credit limit
Available to existing customers
No

Banks you can't balance transfer from

You can't balance transfer to the St.George Amplify Signature Credit Card (Amplify) at the promotional balance transfer rate from:

  • Bank of Melbourne
  • Bank SA
  • St.George

Rates & fees

Promotional interest rates

Interest ratePeriodFeeLimitRevert rate
Balance transfers0% p.a.6 months0%80% of credit limit 21.49% p.a.
PurchasesN/AN/AN/AN/A N/A

Ongoing interest rates

MonthlyAnnually
Cash advances 1.79% 21.49% p.a.
Purchases 1.65% 19.74% p.a.

Fees

Annual fee
$179 p.a.
Annual fee 2nd year
$279 p.a.
Cash advance fee
2%
Dishonour fee
$9
Duplicate statement fee
$2
Foreign exchange fee
3%
Late payment fee
$15
Over limit fee
N/A
Overseas ATM balance fee
$5
Overseas ATM withdrawal fee
$5
Overseas emergency card replacement fee
$52.50
Transaction verification fee
$0

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
200,000 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
$12,000 each year for 2 years

Earning points with this card

Frequent flyer points
(refer to "Pro" section)
Overseas earn rate
1.5 pts per $1 spent
Points cap per month
Unlimited
Points cap per year
Unlimited
Points earned on ATO payments
N/A
Reward points
1.5 pts per $1 spent

Additional benefits

Airport lounge access
Yes
Complimentary flight voucher
No
Concierge service
Yes

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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