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

St.George Amplify Signature Credit Card (Qantas)

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Save money
Earn points
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Card features
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Sign up bonus
Points earned
St.George Amplify Signature Credit Card (Qantas)
Apply by 12 feb 20
St.George Amplify Signature Credit Card (Qantas)
Earn 80,000 Qantas bonus points. Conditions Apply.
Reduced annual fee of $139 in the first year, currently saving you $140.
Boost your Amplify Qantas account with 0.75 points per $1 you spend.
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Amplify Qantas
Amplify Qantas
0.75 pts
per $1 spent
after spend criteria

Pros & cons

What's good?

What's not so good?

Earn 80,000 Qantas bonus points when you spend $6,000 within 90 days from card approval. Exclusions apply.
Reduced annual fee of $139 in the first year, currently saving you $140.
Receive a birthday points bonus of 10% of the points earned in the last 12 months.
0% p.a. for 6 months on balance transfers with 0% balance transfer fee on amounts transferred.
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.
For information about Amplify points earning rate of this card, please click here.
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.
Disclaimer: 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.

Our review

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

Need to give your Qantas points a significant boost so that you can snag a long-haul award flight? The St. George Amplify Signature Credit Card (Qantas) pumps a very healthy 80,000 points into your account if you can meet a preliminary spending target. There’s no points cap or threshold to hinder your ongoing points earning.

The high purchase and cash advance interest rates (19.74 percent p.a. and 21.49 percent p.a. respectively) are typical for this kind of card, and in the second and subsequent years there’s a substantial $279 annual fee to pay. However, you can save $140 in the first year by taking advantage of the reduced introductory annual fee of $139. After that, the recurring birthday bonus of 10 percent of your previous year’s points may encourage you to stay, and the regular points earning potential and complimentary insurance make it ideal for regular travellers.

80,000 bonus points

Provided you can spend $6,000 in the first three months (that’s at least $2,000 per month) your points account will get off to a flying start with 80,000 bonus points. They would put you well on the way to a return economy flight to Los Angeles.

Points earning rate

The ongoing points earning rate is 0.75 QFF points per dollar for all eligible purchases (i.e. excluding cash advances, balance transfers, interest charges and card fees). This is far from being the best earning rate available, but the absence of any points cap or threshold does go a long way towards compensating for the lower rate.

Birthday benefits

St. George will wish you a happy birthday every year 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 13,500 Qantas points and receive a birthday bonus of 1,350 Qantas points.

Ways to spend Qantas points

If you really value having lots of choices, you may like the idea of being able to exchange Qantas points for merchandise, retail gift cards, hotel accommodation and car hire. But by far the best value return per point is achieved by award flight redemptions, especially if you can accumulate enough points for business or first class seats or long-haul flights.

International travel benefits

Regular international travellers will get the most out of this card, although they will have to pay a substantial 3 percent international transaction fee.

The card comes with two Qantas Club single-visit lounge passes each year.

To get an idea of the value of the Qantas lounge passes, it’s worth remembering that it currently costs $399 merely to join Qantas Club, plus a further $540 for each year’s membership.

Luxury hotel membership

Frequent travellers and higher-than-average spenders will 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.

Complimentary insurance cover

You’ll get the full premium card insurance package with the Amplify Signature card:

  • Overseas travel: An annual multi-trip policy covering trips up to six months’ long for you and your immediate family, including emergency medical expenses, unavoidable trip cancellation and rental car insurance excess.
  • Interstate flight inconvenience: Luggage cover, trip cancellation or delay cover.
  • Transit accident: Compensation if you’re involved in an accident resulting in serious injury on planes and public transport.
  • Rental vehicle excess in Australia: You don’t need to be travelling to take advantage of this cover. Many other cards only provide this cover for overseas travel.
  • 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 beyond the manufacturer’s Australian warranty
  • Price guarantee: Purchase price difference could be refunded if you find it cheaper elsewhere within 21 days.

The extensive multi-trip international travel insurance for a family would normally cost around $750 per year. Add the remaining policies, and the savings are an estimated $1,350 per year.

Which cards compete with this one?

If you’re looking to earn QFF points, this card’s closest competitors include Westpac’s Altitude cards, the ANZ Frequent Flyer Black Credit Card and the Citi Qantas Signature Credit Card. You can compare the many Qantas rewards cards on the Qantas page in our Features section.

It’s an ideal traveller’s card

The travel insurance and Qantas airport lounge passes make this an ideal card for international travellers, while big spenders will appreciate the luxury hotel membership and the absence of a points cap. The value of benefits more than covers the relatively high annual fee (especially in the discounted first year), and the first purchase bonus points make the first year particularly rewarding.

Disclaimer: 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.

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
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

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
Balance transfer fee payment due
First statement
Balance transfer from personal loan
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

Banks you can't balance transfer from

You can't balance transfer to the St.George Amplify Signature Credit Card (Qantas) 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

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


Annual fee
$139 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
80,000 points
Reward points expiry
Never as long as you keep your account active
Rewards program
Amplify Qantas
Spend required for bonus points
$6,000 in 90 days

Earning points with this card

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

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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