St.George Amplify Signature Credit Card (Qantas)

On website

Apply by 31 July 2024

St.George Amplify Signature Credit Card (Qantas)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$295.00 p.a. ongoing


  • Receive up to 90,000 bonus Qantas Points upon spending $6,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • Enjoy 0% p.a. for 24 months on balance transfers with a 1% balance transfer fee on transferred amounts.
  • Benefit from complimentary overseas travel insurance for up to 6 months.

Pros and cons


  • The 90,000 bonus Qantas Points.
  • 0% p.a. for 24 months on balance transfers.
  • Includes complimentary overseas travel insurance for up to 6 months


  • There is a 1% balance transfer fee.
  • The annual fee of $295 p.a.

About this credit card


Card usage

Apple Pay Enabled
Card Type
Gambling Transactions Allowed
Samsung Pay Enabled


Joint Application Accepted
Minimum Age
18 years
Minimum Credit Rating
Below Average, Fair, Good, Very Good, Excellent
Minimum Income
Temporary Residents Accepted

Additional cardholders

Additional Cardholders
Additional Card Fee Ongoing

Credit limits

Minimum Credit Limit
Maximum Credit Limit


Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage

Balance transfers

Balance transfer offer

Balance Transfer Rate
Balance Transfer Period
24 months
Balance Transfer Fee Percentage

Balance transfer conditions

Balance Transfer From Personal Loan
Balance Transfer Limit Percentage
Balance Transfer Revert Rate

Rates, fees, charges

Cash advances

Cash Advance Rate
21.49% p.a.
Cash Advance Fee
Cash Advance Fee Percentage
Cash Advance Fee Threshold


Purchase Rate Introductory Offer
Purchase Rate Introductory Period
Purchase Rate Ongoing
19.49% p.a.

Account fees

Annual Fee Initial Year
Annual Fee Ongoing
Dishonour Fee
Duplicate Statement Fee
Foreign Exchange Fee Percentage
Late Payment Fee


Rewards program basics

Rewards Program
Amplify Qantas
Rewards Program Annual Fee Initial Year
Rewards Points Expiry

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
Government Rewards Points Earn Rate
Overseas Rewards Points Earn Rate

Additional perks


Cardholder's Domestic Hotel Burglary Insurance
Cardholder's Extended Warranty Insurance
Cardholder's International Travel Insurance
Cardholder's Interstate Flight Inconvenience
Cardholder's Personal Item Theft Cover
Cardholder's Price Protection Insurance
Cardholder's Purchase Protection Insurance
Cardholder's Refund Protection
Cardholder's Transport Accident Insurance

Travel and lifestyle

Airport Lounge Access Included
Concierge Service Included
Complimentary Flight Voucher Included
Complimentary QFF Membership Included

Our review


Customer service

Rates and fees



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 (19.49 % p.a. and 21.49% p.a. respectively) are typical for this kind of card, and in the second and subsequent years, there’s a substantial $295 annual fee to pay.

90,000 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 90,000 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% 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% 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 the 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 the 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

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 pass 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.


Reviewed by Credit Card Compare Staff

User reviews


Customer service

Rates and fees



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