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St.George Amplify Signature Credit Card

3 reviews

Apply by 22 May 2019

points over 12 months Calculate your savings icon

Earn rate per $1

1.5 points
16.77% Complete (success)
Amplify Rewards

Bonus points

200,000 points
200,000% Complete (success)

Annual fee

$179 first year
179% Complete (success)
then $279

Pros

Earn up to 200,000 Bonus Amplify Rewards Points over 2 years when you spend $12k on eligible purchases each year

Earn 1.5 Amplify Points per $1, uncapped

Birthday bonus 10% on points earned in the previous 12 months

Complimentary Overseas travel insurance for trips up to six months

Visa Luxury Hotel Collection member

2 Priority Pass lounge visits per year

Reduced annual card fee in the first year of $179 ($279 usually)

Cons

3% foreign transaction fee

St.George Amplify Signature Credit Card

Earn up to 200,000 Bonus Amplify Rewards Points over 2 years when you spend $12k on eligible purchases each year and pay a reduced annual fee the first year of $179 ($279 p.a. thereafter). This card is definitely worth considering with some great features for people that like to enjoy life. Earn 1.5 Amplify points for every dollar spent, a full suite of complimentary insurances, a 10% points birthday bonus each year that really delivers and that’s just to start. Do you like to travel? Imagine getting 3pm checkouts, complimentary breakfast, automatic hotel room upgrades upon arrival (when available). Offer ends 22 May 2019.

The feature I love most, every year on your birthday St George will credit 10% of reward points you earned in the previous 12 months. That could be a huge amount of bonus points every year. A birthday present like this from a bank is very unusual. Think about what you could get with your birthday bonus points.

When you travel with Amplify Signature you will become an automatic Visa Luxury Hotel Collection member and enjoy:
– 3pm checkouts at over 900 hotels with Visa (when available)
– Complimentary continental breakfast at your hotel
– Automatic hotel room upgrade upon arrival (when available)
– VIP hotel guest status

Stress less with a range of complimentary insurance covers:
– Overseas insurance for trips up to six months
– Extended warranty insurances up to 12 months
– Price guarantee cover on eligible purchases

For each $1 you spend with Amplify Rewards you earn 1.5 points. Redeem entertainment, travel and merchandise rewards on this program. Your Amplify points can also be redeemed with several airline partners including Virgin Blue, Malaysian Airlines and Singapore Airlines. Enjoy two complimentary airport lounge passes each year, plus a birthday bonus of 10% of rewards points you have earned in the previous 12 months.

Key features

  • Birthday bonus 10% on points earned in the previous 12 months
  • Visa Luxury Hotel Collection
  • Earn up to 200,000 Bonus Amplify Rewards Points over 2 years when you spend $12k on eligible purchases each year.
  • Reduced annual card fee in the first year of $179 ($279 usually)
  • Earn 1.5 Amplify point for every $1 spend on your card
  • Amplify Rewards is linked to Virgin Australia, Singapore Airlines or Malaysia Airlines
custom Image

Earn up to 200,000 Bonus Amplify Rewards Points and save $100 first year

Earn up to 200,000 Bonus Amplify Rewards Points over 2 years when you spend $12k on eligible purchases each year. Plus pay a reduced annual card fee in the first year of $179 ($279 usually).

custom Image

Birthday Bonus Points

Every year, your St.George Amplify Signature Credit Card will give you a Birthday Bonus, providing you with an additional reward of 10% of the points you earned in the previous 12 months. Be aware, this does not include the bonus points you receive on sign-up.

Say, if you spend $40,000 on your card within the year, your base earn total would be 60,000 Amplify Rewards Points, so your Birthday Bonus would be 6,000 Amplify Rewards Points. Happy Birthday! Points are credited within four weeks of your birthday.

custom Image

Lounge Access

Cardholders who earn points on the Amplify Rewards program can enjoy two complimentary lounge passes per year through Priority Pass each year.

67% of customers who have rated this card would recommend it
  • Rates
    66%
  • Fees
    79%
  • Rewards
    66%
  • Customer Service
    69%
  • Value
    70%
Overall user rating 70%
3 reviews
Interest Rates
Purchase rate 19.74% p.a.
Cash advance rate 21.49% p.a.
Interest free on purchases up to 55 days
Balance Transfer
Balance transfer rate 0% p.a. for 6 months
Balance transfer fee No fee
Balance transfer revert rate 21.49% p.a.
Balance transfer limit 80% of your approved new credit limit
Balance transfer from personal loan No
Banks you can't balance transfer from Bank of Melbourne ,BankSA ,St.George
Credit limits
Minimum credit limit $15,000
Maximum credit limit $80,000
Fees & repayments
Annual fee $279 p.a.
Annual fee first year $179
Additional cardholder fee $0 p.a.
Cash advance fee 2%
Foreign transaction fee 3%
Minimum repayment 2%
Late payment fee $15
Credit card type Visa
Rewards program
Rewards program Amplify Rewards Amplify Rewards
Bonus points 200,000 Amplify points
Annual points cap uncapped
Bonus points spend criteria Over 2 years when you spend $12k on eligible purchases each year
Earning points with this card
Amplify points 1.5 points per $1 spent
Overseas earn rate same as standard earn rate
Points cap per month N/A
Complimentary insurance
Overseas travel insurance yes - up to 6 months
Flight inconvenience insurance Yes
Transport accident cover Yes
Smartphone screen insurance No
Purchase protection insurance Yes
Extended warranty insurance Yes
Rental vehicle excess cover Yes
Extras
2 Lounge visits per year with Priority Pass
Visa Luxury Hotel Collection
Birthday bonus additional 10% points

The Big Review: St.George Amplify Signature Credit Card (Amplify Program)

Rewarding new cardholders with up to 200,000 bonus Amplify Points over 2 years and an uncapped earn rate of 1.5 Amplify Points per $1, the St.George Amplify Signature Credit Card is a rewards card that offers flexibility and value, delivering appealing extras such as complimentary travel insurance, membership to Visa’s Luxury Hotel Collection and two Priority Pass lounge visits per year. New cardholders can also benefit from a reduced annual fee the first year, and a 10% birthday points bonus.

  • Earn up to 200,000 Bonus Amplify Rewards Points over 2 years when you spend $12k on eligible purchases each year.
  • Earn rewards on the Amplify Program
  • Earn 1.5 Amplify Points per $1, uncapped
  • 2 Priority Pass lounge visits per year
  • Membership to Visa’s Luxury Hotel Collection
  • Complimentary insurance cover on travel and retail purchases
  • Birthday Bonus points
  • Reduced annual card fee in the first year of $179 ($279 usually)
  • Annual Fee: $279 p.a. ongoing after the first year
  • Purchase Rate: 19.74% p.a. (variable)
  • Cash Advance Rate: 21.49% p.a. (variable)

This Card: The Lowdown

Earning points on Amplify Rewards, the St.George Amplify Signature Credit Card could be the perfect option for anyone looking for a non-American Express card that provides a decent earn rate and a flexible rewards program.

Amplify Rewards partners with Virgin Australia’s Velocity, Malaysia Airlines’ Enrich and Singapore Airlines’ KrisFlyer programs, so cardholders have the option of transferring their points onto either of those frequent flyer programs to enjoy flights, upgrades and merchandise.

Alternatively, cardholders may choose to redeem their points within the Amplify Rewards program, choosing from a wide range of homewares, appliances, tech and gift cards. With a bonus 200,000 Amplify Points on offer, there is certainly a lot to tempt you.

As a prestige card, the Amplify Signature card also provides a number of prestige perks. These are particularly suited to the frequent traveller, with Priority Pass lounge access, Visa’s Luxury Hotels Collection membership, and complimentary travel insurance on offer.

Digging Deeper

With the basics covered, it’s time to dig a little deeper into what’s on offer with the St.George Amplify Signature Credit Card, so you can decide whether this card is right for you.

This Card: As a Rewards Card

Giving one hell of a boost to your Amplify Rewards account, the St.George Amplify Signature Credit Card is currently offering 200,000 bonus Amplify Points to new cardholders over 2 years when you spend $12k on eligible purchases each year. To qualify, you need to apply and be approved by 22 May 2019, and make the required spend.

As is generally the way with these types of offers, eligible purchases do not include BPAY transactions, fees, cash transactions, refunds, balance transfers, government fees and ATO payments.

So, what can you do with 100,000 Amplify Points?

  • Time for an adventure? If you convert your 100,000 Amplify Points to the Velocity program, you will receive 50,000 Velocity Points. With this, you could fly Economy from Sydney to Los Angeles, redeeming 44,800 points, or fly Business Class from Sydney to Samoa for 49,550 points.
  • If some retail therapy is in order, you could redeem 54,700 Velocity Points for a $250 Westfield gift card via the Velocity Store, or 47,000 Velocity Points for a $250 David Jones gift card.
  • Or, head over to the Amplify Rewards Store to enjoy better value, where you could redeem 102,600 Amplify Points for $450 worth of Westfield gift cards, or 99,900 Amplify Points for $450 worth of David Jones gift cards.

Earning Points

Looking now to everyday earning, the St.George Amplify Signature Credit Card keeps it simple, with one earn rate across the board. You will earn 1.5 Amplify Points per $1 on purchases made at home and overseas. It’s worth mentioning that purchases made within Australia offer more value on points-earn, as they’re not affected by the card’s 3% overseas transaction fee.

If you have an additional cardholder you’d like to add to the account, you can do so at no extra cost. The card allows for one free additional cardholder, which may allow you to earn points faster day-to-day. Of course, as the primary cardholder, you are still responsible for all spending made on that additional card.

Redeeming Points

As one of the most flexible rewards programs on the market, Amplify Rewards makes it easy to transfer points to any of the program’s trio of airline partners, which include Virgin Australia’s Velocity, Malaysia Airlines’ Enrich and Singapore Airlines’ KrisFlyer programs.

For every 1 Amplify Point you transfer, you will receive 0.5 points/miles within your frequent flyer program of choice. This provides an effective earn rate of :

  • Velocity Points: 0.75 points per $1
  • Singapore Airlines KrisFlyer Miles: 0.75 miles per $1
  • Malaysia Airlines Enrich Miles: 0.75 miles per $1

You can choose to manually transfer points, or set up an automatic transfer (to Velocity only). This auto-redemption option is only recommended if you plan to only use Velocity Points, as it means your entire Amplify Points balance will be transferred to your Velocity account each month.

Amplify Travel provides an alternative way to use your points for travel, allowing you to book flights, hotels, car hire and activities, or create your own travel packages. Working in a similar way to the American Express Travel service, Amplify Travel is designed to make travel bookings easier, with 24/7 service available, offering special rates and deals to users.

While travel options tend to offer the most value when using rewards programs such as Amplify, cardholders can also choose to redeem their points within the Amplify Store. Similar to other rewards program online stores, the Amplify Store provides access to gift cards, homewares, sports equipment and more.

Shopping around is highly recommended.

This Card: As a Travel Rewards Card

With a nice selection of travel perks available, the St.George Amplify Signature Credit Card is a great choice for cardholders who travel frequently, or for those who simply like to travel in style.

Lounge Access

The St.George Amplify Signature Credit Card provides cardholders with two Priority Pass lounge visits each year. All you need to do to get your hands on these passes is enrol via the Amplify Signature portal.

As the largest independent airport lounge access plan, Priority Pass not only offers access to a huge selection of airport lounges around the world, it can also help you save money on restaurant bills, by providing discounts on certain airport eateries.

But, how you use your lounge passes is up to you. You could find value in a discounted restaurant bill, or you may benefit more from lounge access. As lounge facilities vary, you should check reviews online before using up your yearly passes, to make sure you get the most out of them.

Depending on the lounge you choose, you may enjoy access to free Wi-Fi, power and charging stations, comfortable seating and TVs, and a selection of snacks, soft drinks and complimentary alcoholic beverages. Showers and spa facilities may be available, often with an additional fee.

Visa Luxury Hotels

Providing you with automatic membership to Visa’s Luxury Hotel Collection, the St.George Amplify Signature Credit Card offers some very appealing benefits when staying at any of the collection’s 900 luxury hotels. While these benefits vary depending on the hotel, they can include:

  • Best available rate guarantee
  • Automatic room upgrade upon arrival (when available)
  • 3pm check-out (when available)
  • Free in-room Internet
  • Complimentary continental breakfast each day
  • VIP Guest status
  • US$25 food or beverage voucher

Travel Insurance

Providing extensive cover on overseas travel, the St.George Amplify Signature Credit Card offers complimentary overseas travel insurance on trips up to six months, for you, your spouse, and your dependent children (as long as you use your card to pay for travel).

Cover offered includes unlimited medical cover (except emergency dental and bed care patient allowance), travel cancellation (up to a maximum of $10,000 for a family), transit accident insurance, and up to $5,500 of excess cover for loss or damage of a rental vehicle.

As the cover on this policy is extensive, with certain limits and exclusions applied, it’s best to read the PDS in full before you travel. However, as long as you know what’s on offer, this feature could save you a substantial amount in standalone insurance, especially if you travel frequently.

This Card: Extras on Offer

As a prestige card, the St.George Amplify Signature Credit Card has even more to offer in the way of extras, including bonus birthday points, retail insurance cover and a reduced annual fee the first year.

Birthday Bonus Points

Designed to offer cardholders a reward for their loyalty, this Birthday Bonus points feature is a nice perk for long-term customers. Each year, within four weeks of your birthday, you’ll receive a Birthday Bonus, providing you with an additional 10% of the points you earned over the previous 12 months.

This does not include the initial sign-up bonus, and it is only offered to the primary cardholder. However, it does effectively raise your total earn rate by 10%. So instead of earning 1.5 Amplify Points per $1, you’ll earn 1.65 Amplify Points per $1.

That means if you spend $20,000 in a year, you will earn 30,000 Amplify Points plus a 3,000 birthday points bonus, bringing your total to 33,000 Amplify Points within the year.

Retail Insurance Cover

Extending its insurance cover to retail purchases, the St.George Amplify Signature Credit Card provides complimentary extended warranty insurance on items purchased on the card, for up to 12 months past the standard manufacturer's warranty.

In addition, a price guarantee offers cover of up to $300 on eligible purchases made on the card in Australia. So, if you find the item cheaper within 21 days, you can claim the difference. Of course, t&c’s apply.

Reduced Annual Fee First Year

Delivering a $100 saving to new cardholders, the St.George Amplify Signature Credit Card offers a reduced annual fee the first year. For each year thereafter, the card’s standard annual fee will apply, which currently stands at $279. Apply by 22 May 2019 to be eligible.

This Card: The Essentials

When it comes to rewards cards such as the St.George Amplify Signature Credit Card, you need to work out the value of the rewards and features on offer.

In terms of rewards value, think about much will you spend on the card, to then figure out how many points you will receive. Knowing what you will redeem those points for will allow you to work out the monetary value of the rewards program as a whole.

As for the value of any features on offer, this is also personal to you. Any features offered will only provide value if you actually use them.

So, while we may say that the card’s standard annual fee is relatively high, if you happen to get more value from the card’s features and rewards than you pay out in annual fees, then this card is likely a good choice.

One thing that we should point out, however, is the card’s purchase rate. Like most prestige rewards cards, this card has a fairly high purchase rate. If you want to retain the value of the features and rewards on offer, you should clear the balance by the due date to avoid interest.

Decision Time

Allowing cardholders to earn points on a flexible rewards program, the St.George Amplify Signature Credit Card has a good earn rate, bumped up by an annual birthday bonus and a sign-up bonus of up to 200,000 Amplify Points. Great for travellers, the card provides travel insurance, two Priority Pass lounge visits each year, and access to Visa’s Luxury Hotels Collection, with a reduced annual fee the first year.

49 questions (showing the latest 10 Q&As)

Ronald

Ronald

9 May 2019
Is the 1.5 bonus points per $1 spent Qantas FF points? this is in re to St.George Amplify Signature Credit Card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 May 2019
    Hi Ronald, this version of the card earns Amplify points, not Qantas points. Therefore the bonus points are Amplify points. Have a look at the Amplify Qantas Signature. Have a look at the Amplify rewards program - https://amplify.stgeorge.com.au/. To review what that program can deliver for you.
Kathlyn

Kathlyn

1 May 2019
Hi Roland. Could you clarify if it comes with a priority pass + 2 free entries to the lounges or only 2 entries to the lounges? I have another card which includes a priority pass but I pay about $25 pp when I use the lounges. Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 May 2019
    Hi Kathlyn, Amplify Rewards and Amplify Qantas are separate rewards programs that each offer airport lounge passes. Cardholders are only eligible for lounge passes offered for their selected rewards program and conditions apply. Priority Pass is offered to Amplify Rewards Cardholders, who must enrol via amplify.stgeorge.com.au. This is for the Amplify Signature. So its just 2 complimentary lounge passes (or 2 people) per year. You should not have to pay anything for these first 2 visits with the card as long as you are enrolled as per the above details. Good to check this https://www.prioritypass.com/en/conditions-of-use#
neil moss

neil moss

24 April 2019
will I earn Amplify points using my c card for ATO payments (governemnt) within Australia
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    24 April 2019
    Hi Neil, only the Amplify Business card earns reward points on government spend at 0.5 per $. The Amplify Signature does not earn points on gov spend.
Garry

Garry

3 January 2019
Hi is there a maximum limit of points you can earn in one year.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 January 2019
    Hi Garry, points earning is completely uncapped. Therefore there is no limit to the points you can earn with the St George Amplify Signature credit card.
robert

robert

6 November 2018
do I earn points paying or electric/gas/phone bills
Chris

Chris

25 September 2018
If I take up this credit card and opt for Qantas points does that mean that if I qualify I would have 90000 points put into my Qantas Frequent Flyer account?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 September 2018
    Hi Chris, yes if you opt into the Qantas points earning. Here are the full terms for the bonus points promotion: The respective bonus points promotions are available when you apply and are approved for a new Amplify Signature credit card between 1 August 2018 and 2 October 2018, and spend the minimum amount of $4,000 on eligible purchases on an Amplify Signature credit card within 90 days from card approval. Eligible purchases do not include BPAY or BPAY equivalent transactions, fees, cash, cash equivalent transactions, refunds and balance transfers debited from the card account. Existing customers who currently hold an Amplify Platinum or Amplify Signature card, or who have held one in the last 12 months, are not eligible for this offer. The bonus points will be credited to your points balance within 12 weeks after the eligible spend criteria is met.
Sue

Sue

21 August 2018
Hi Roland if i elect Amplify program can i later change to the Qantas program for future points .. is it flexible
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 August 2018
    Hi Sue, good question. I reached out to the St George credit card customer service team for a response. This stated: Yes, that's perfectly fine to arrange this. You would just need to fill in a form to switch the reward programs. This is good news and nice that this is possible.
Maxwell

Maxwell

10 August 2018
Hi Roland, Can these 90,000 points be used to convert to KrisFlyer Points ??. Also the 2 Lounge passes - What lounges can these be used?. Can it be used in Melbourne airport ??
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 August 2018
    Hi Maxwell, yes you can transfer Amplify points to Krisflyer. Its at 2 to 1. Therefore the bonus points convert to 45,000 Krisflyer miles. You can also transfer to Malaysia Airlines Enrich points or Velocity Frequent Flyer Points at the same ratio. Piority Pass is offered to Amplify Rewards Cardholders. Have a look at the priority pass website to get more information on the lounges you have access to - http://www.prioritypass.com/
David

David

8 August 2018
Hi Roland,I currently have a Vertigo Platinum Visa card. If i apply a Amplify Signature Visa Do I still qualify for the 90,000 rewards points
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 August 2018
    Hi David, I have reached out to St George credit card customer service. Warsha at 9:49, Aug 8: As long as you make a new application for Amplify Signature Card and meet the requirement area, you will be eligible for bonus points. The terms state switches and upgrades are ineligible as to why I queried this. Though as you are not actually switching or upgrading from a current Amplify card then you should be good to go.
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Resident or citizen of Australia. Temporary residents are eligible.
  • Minimum income of $75,000 p.a.
  • You have your personal details ready to complete the online application
St.George Amplify Signature Credit Card
St.George Amplify Signature Credit Card

St.George Credit Cards

St.George Amplify Signature Credit Card

Updated 24 April 2019

Apply by 22 May 2019

Points Earn Rate (per $1 spent)

1.5

points

Amplify

Rewards Program

Amplify Rewards

Bonus Points

200,000 pts

Over 2 years when you spend $12k on eligible purchases each year

0 points over 12 months spend

My monthly card spend

Pros and cons

  • Earn up to 200,000 Bonus Amplify Rewards Points over 2 years when you spend $12k on eligible purchases each year
  • Earn 1.5 Amplify Points per $1, uncapped
  • Birthday bonus 10% on points earned in the previous 12 months
  • Complimentary Overseas travel insurance for trips up to six months
  • Visa Luxury Hotel Collection member
  • 2 Priority Pass lounge visits per year
  • Reduced annual card fee in the first year of $179 ($279 usually)

  • 3% foreign transaction fee

Creditcard.com.au review

Editor Review

The Big Review: St.George Amplify Signature Credit Card (Amplify Program)

Rewarding new cardholders with up to 200,000 bonus Amplify Points over 2 years and an uncapped earn rate of 1.5 Amplify Points per $1, the St.George Amplify Signature Credit Card is a rewards card that offers flexibility and value, delivering appealing extras such as complimentary travel insurance, membership to Visa’s Luxury Hotel Collection and two Priority Pass lounge visits per year. New cardholders can also benefit from a reduced annual fee the first year, and a 10% birthday points bonus.

  • Earn up to 200,000 Bonus Amplify Rewards Points over 2 years when you spend $12k on eligible purchases each year.
  • Earn rewards on the Amplify Program
  • Earn 1.5 Amplify Points per $1, uncapped
  • 2 Priority Pass lounge visits per year
  • Membership to Visa’s Luxury Hotel Collection
  • Complimentary insurance cover on travel and retail purchases
  • Birthday Bonus points
  • Reduced annual card fee in the first year of $179 ($279 usually)
  • Annual Fee: $279 p.a. ongoing after the first year
  • Purchase Rate: 19.74% p.a. (variable)
  • Cash Advance Rate: 21.49% p.a. (variable)

This Card: The Lowdown

Earning points on Amplify Rewards, the St.George Amplify Signature Credit Card could be the perfect option for anyone looking for a non-American Express card that provides a decent earn rate and a flexible rewards program.

Amplify Rewards partners with Virgin Australia’s Velocity, Malaysia Airlines’ Enrich and Singapore Airlines’ KrisFlyer programs, so cardholders have the option of transferring their points onto either of those frequent flyer programs to enjoy flights, upgrades and merchandise.

Alternatively, cardholders may choose to redeem their points within the Amplify Rewards program, choosing from a wide range of homewares, appliances, tech and gift cards. With a bonus 200,000 Amplify Points on offer, there is certainly a lot to tempt you.

As a prestige card, the Amplify Signature card also provides a number of prestige perks. These are particularly suited to the frequent traveller, with Priority Pass lounge access, Visa’s Luxury Hotels Collection membership, and complimentary travel insurance on offer.

Digging Deeper

With the basics covered, it’s time to dig a little deeper into what’s on offer with the St.George Amplify Signature Credit Card, so you can decide whether this card is right for you.

This Card: As a Rewards Card

Giving one hell of a boost to your Amplify Rewards account, the St.George Amplify Signature Credit Card is currently offering 200,000 bonus Amplify Points to new cardholders over 2 years when you spend $12k on eligible purchases each year. To qualify, you need to apply and be approved by 22 May 2019, and make the required spend.

As is generally the way with these types of offers, eligible purchases do not include BPAY transactions, fees, cash transactions, refunds, balance transfers, government fees and ATO payments.

So, what can you do with 100,000 Amplify Points?

  • Time for an adventure? If you convert your 100,000 Amplify Points to the Velocity program, you will receive 50,000 Velocity Points. With this, you could fly Economy from Sydney to Los Angeles, redeeming 44,800 points, or fly Business Class from Sydney to Samoa for 49,550 points.
  • If some retail therapy is in order, you could redeem 54,700 Velocity Points for a $250 Westfield gift card via the Velocity Store, or 47,000 Velocity Points for a $250 David Jones gift card.
  • Or, head over to the Amplify Rewards Store to enjoy better value, where you could redeem 102,600 Amplify Points for $450 worth of Westfield gift cards, or 99,900 Amplify Points for $450 worth of David Jones gift cards.

Earning Points

Looking now to everyday earning, the St.George Amplify Signature Credit Card keeps it simple, with one earn rate across the board. You will earn 1.5 Amplify Points per $1 on purchases made at home and overseas. It’s worth mentioning that purchases made within Australia offer more value on points-earn, as they’re not affected by the card’s 3% overseas transaction fee.

If you have an additional cardholder you’d like to add to the account, you can do so at no extra cost. The card allows for one free additional cardholder, which may allow you to earn points faster day-to-day. Of course, as the primary cardholder, you are still responsible for all spending made on that additional card.

Redeeming Points

As one of the most flexible rewards programs on the market, Amplify Rewards makes it easy to transfer points to any of the program’s trio of airline partners, which include Virgin Australia’s Velocity, Malaysia Airlines’ Enrich and Singapore Airlines’ KrisFlyer programs.

For every 1 Amplify Point you transfer, you will receive 0.5 points/miles within your frequent flyer program of choice. This provides an effective earn rate of :

  • Velocity Points: 0.75 points per $1
  • Singapore Airlines KrisFlyer Miles: 0.75 miles per $1
  • Malaysia Airlines Enrich Miles: 0.75 miles per $1

You can choose to manually transfer points, or set up an automatic transfer (to Velocity only). This auto-redemption option is only recommended if you plan to only use Velocity Points, as it means your entire Amplify Points balance will be transferred to your Velocity account each month.

Amplify Travel provides an alternative way to use your points for travel, allowing you to book flights, hotels, car hire and activities, or create your own travel packages. Working in a similar way to the American Express Travel service, Amplify Travel is designed to make travel bookings easier, with 24/7 service available, offering special rates and deals to users.

While travel options tend to offer the most value when using rewards programs such as Amplify, cardholders can also choose to redeem their points within the Amplify Store. Similar to other rewards program online stores, the Amplify Store provides access to gift cards, homewares, sports equipment and more.

Shopping around is highly recommended.

This Card: As a Travel Rewards Card

With a nice selection of travel perks available, the St.George Amplify Signature Credit Card is a great choice for cardholders who travel frequently, or for those who simply like to travel in style.

Lounge Access

The St.George Amplify Signature Credit Card provides cardholders with two Priority Pass lounge visits each year. All you need to do to get your hands on these passes is enrol via the Amplify Signature portal.

As the largest independent airport lounge access plan, Priority Pass not only offers access to a huge selection of airport lounges around the world, it can also help you save money on restaurant bills, by providing discounts on certain airport eateries.

But, how you use your lounge passes is up to you. You could find value in a discounted restaurant bill, or you may benefit more from lounge access. As lounge facilities vary, you should check reviews online before using up your yearly passes, to make sure you get the most out of them.

Depending on the lounge you choose, you may enjoy access to free Wi-Fi, power and charging stations, comfortable seating and TVs, and a selection of snacks, soft drinks and complimentary alcoholic beverages. Showers and spa facilities may be available, often with an additional fee.

Visa Luxury Hotels

Providing you with automatic membership to Visa’s Luxury Hotel Collection, the St.George Amplify Signature Credit Card offers some very appealing benefits when staying at any of the collection’s 900 luxury hotels. While these benefits vary depending on the hotel, they can include:

  • Best available rate guarantee
  • Automatic room upgrade upon arrival (when available)
  • 3pm check-out (when available)
  • Free in-room Internet
  • Complimentary continental breakfast each day
  • VIP Guest status
  • US$25 food or beverage voucher

Travel Insurance

Providing extensive cover on overseas travel, the St.George Amplify Signature Credit Card offers complimentary overseas travel insurance on trips up to six months, for you, your spouse, and your dependent children (as long as you use your card to pay for travel).

Cover offered includes unlimited medical cover (except emergency dental and bed care patient allowance), travel cancellation (up to a maximum of $10,000 for a family), transit accident insurance, and up to $5,500 of excess cover for loss or damage of a rental vehicle.

As the cover on this policy is extensive, with certain limits and exclusions applied, it’s best to read the PDS in full before you travel. However, as long as you know what’s on offer, this feature could save you a substantial amount in standalone insurance, especially if you travel frequently.

This Card: Extras on Offer

As a prestige card, the St.George Amplify Signature Credit Card has even more to offer in the way of extras, including bonus birthday points, retail insurance cover and a reduced annual fee the first year.

Birthday Bonus Points

Designed to offer cardholders a reward for their loyalty, this Birthday Bonus points feature is a nice perk for long-term customers. Each year, within four weeks of your birthday, you’ll receive a Birthday Bonus, providing you with an additional 10% of the points you earned over the previous 12 months.

This does not include the initial sign-up bonus, and it is only offered to the primary cardholder. However, it does effectively raise your total earn rate by 10%. So instead of earning 1.5 Amplify Points per $1, you’ll earn 1.65 Amplify Points per $1.

That means if you spend $20,000 in a year, you will earn 30,000 Amplify Points plus a 3,000 birthday points bonus, bringing your total to 33,000 Amplify Points within the year.

Retail Insurance Cover

Extending its insurance cover to retail purchases, the St.George Amplify Signature Credit Card provides complimentary extended warranty insurance on items purchased on the card, for up to 12 months past the standard manufacturer's warranty.

In addition, a price guarantee offers cover of up to $300 on eligible purchases made on the card in Australia. So, if you find the item cheaper within 21 days, you can claim the difference. Of course, t&c’s apply.

Reduced Annual Fee First Year

Delivering a $100 saving to new cardholders, the St.George Amplify Signature Credit Card offers a reduced annual fee the first year. For each year thereafter, the card’s standard annual fee will apply, which currently stands at $279. Apply by 22 May 2019 to be eligible.

This Card: The Essentials

When it comes to rewards cards such as the St.George Amplify Signature Credit Card, you need to work out the value of the rewards and features on offer.

In terms of rewards value, think about much will you spend on the card, to then figure out how many points you will receive. Knowing what you will redeem those points for will allow you to work out the monetary value of the rewards program as a whole.

As for the value of any features on offer, this is also personal to you. Any features offered will only provide value if you actually use them.

So, while we may say that the card’s standard annual fee is relatively high, if you happen to get more value from the card’s features and rewards than you pay out in annual fees, then this card is likely a good choice.

One thing that we should point out, however, is the card’s purchase rate. Like most prestige rewards cards, this card has a fairly high purchase rate. If you want to retain the value of the features and rewards on offer, you should clear the balance by the due date to avoid interest.

Decision Time

Allowing cardholders to earn points on a flexible rewards program, the St.George Amplify Signature Credit Card has a good earn rate, bumped up by an annual birthday bonus and a sign-up bonus of up to 200,000 Amplify Points. Great for travellers, the card provides travel insurance, two Priority Pass lounge visits each year, and access to Visa’s Luxury Hotels Collection, with a reduced annual fee the first year.

User reviews

St.George Amplify Signature Credit Card ( based on 3 Creditcard.com.au user reviews )

70% rating based on 3 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates

Purchase rate 19.74% p.a.

Cash advance rate 21.49% p.a.

Interest free on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 6 months

Balance transfer revert rate 21.49% p.a.

Balance transfer from personal loan No

Balance transfer fee No fee.

Balance transfer limit 80% of approved credit limit

Banks you can't balance transfer from Bank of Melbourne, BankSA, St.George

Credit limits

Minimum credit limt $15,000

Maximum credit limit $80,000

Fees & repayments

Annual fee $279 p.a.

Additional card holder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment 2%

Annual fee the first year $179

Cash advance fee 2%

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Amplify Rewards Amplify Rewards

Bonus points 200,000 Amplify points

Annual points cap uncapped

Bonus points spend criteria Over 2 years when you spend $12k on eligible purchases each year

Earning points with this card

Amplify pointsAmplify points 1.5 points per $1 spent

Points cap per month N/A

Overseas earn rateOverseas earn rate same as standard earn rate

Additional features

Complimentary insurance

Overseas travel insurance yes - up to 6 months

Flight inconvenience insurance Yes

Transport accident cover Yes

Smartphone screen insurance No

Purchase protection insurance Yes

Extended warranty insurance Yes

Rental vehicle excess cover Yes

Extras

2 Lounge visits per year with Priority Pass

Visa Luxury Hotel Collection

Birthday bonus additional 10% points

Overview

St.George Amplify Signature Credit Card

Earn up to 200,000 Bonus Amplify Rewards Points over 2 years when you spend $12k on eligible purchases each year and pay a reduced annual fee the first year of $179 ($279 p.a. thereafter). This card is definitely worth considering with some great features for people that like to enjoy life. Earn 1.5 Amplify points for every dollar spent, a full suite of complimentary insurances, a 10% points birthday bonus each year that really delivers and that’s just to start. Do you like to travel? Imagine getting 3pm checkouts, complimentary breakfast, automatic hotel room upgrades upon arrival (when available). Offer ends 22 May 2019.

The feature I love most, every year on your birthday St George will credit 10% of reward points you earned in the previous 12 months. That could be a huge amount of bonus points every year. A birthday present like this from a bank is very unusual. Think about what you could get with your birthday bonus points.

When you travel with Amplify Signature you will become an automatic Visa Luxury Hotel Collection member and enjoy:
– 3pm checkouts at over 900 hotels with Visa (when available)
– Complimentary continental breakfast at your hotel
– Automatic hotel room upgrade upon arrival (when available)
– VIP hotel guest status

Stress less with a range of complimentary insurance covers:
– Overseas insurance for trips up to six months
– Extended warranty insurances up to 12 months
– Price guarantee cover on eligible purchases

For each $1 you spend with Amplify Rewards you earn 1.5 points. Redeem entertainment, travel and merchandise rewards on this program. Your Amplify points can also be redeemed with several airline partners including Virgin Blue, Malaysian Airlines and Singapore Airlines. Enjoy two complimentary airport lounge passes each year, plus a birthday bonus of 10% of rewards points you have earned in the previous 12 months.

Key features

  • Birthday bonus 10% on points earned in the previous 12 months
  • Visa Luxury Hotel Collection
  • Earn up to 200,000 Bonus Amplify Rewards Points over 2 years when you spend $12k on eligible purchases each year.
  • Reduced annual card fee in the first year of $179 ($279 usually)
  • Earn 1.5 Amplify point for every $1 spend on your card
  • Amplify Rewards is linked to Virgin Australia, Singapore Airlines or Malaysia Airlines

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Resident or citizen of Australia. Temporary residents are eligible.

  • Minimum income of $75,000 p.a.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

49 questions (showing the latest 10 Q&As)

Ronald

Ronald

9 May 2019
Is the 1.5 bonus points per $1 spent Qantas FF points? this is in re to St.George Amplify Signature Credit Card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 May 2019
    Hi Ronald, this version of the card earns Amplify points, not Qantas points. Therefore the bonus points are Amplify points. Have a look at the Amplify Qantas Signature. Have a look at the Amplify rewards program - https://amplify.stgeorge.com.au/. To review what that program can deliver for you.
Kathlyn

Kathlyn

1 May 2019
Hi Roland. Could you clarify if it comes with a priority pass + 2 free entries to the lounges or only 2 entries to the lounges? I have another card which includes a priority pass but I pay about $25 pp when I use the lounges. Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 May 2019
    Hi Kathlyn, Amplify Rewards and Amplify Qantas are separate rewards programs that each offer airport lounge passes. Cardholders are only eligible for lounge passes offered for their selected rewards program and conditions apply. Priority Pass is offered to Amplify Rewards Cardholders, who must enrol via amplify.stgeorge.com.au. This is for the Amplify Signature. So its just 2 complimentary lounge passes (or 2 people) per year. You should not have to pay anything for these first 2 visits with the card as long as you are enrolled as per the above details. Good to check this https://www.prioritypass.com/en/conditions-of-use#
neil moss

neil moss

24 April 2019
will I earn Amplify points using my c card for ATO payments (governemnt) within Australia
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    24 April 2019
    Hi Neil, only the Amplify Business card earns reward points on government spend at 0.5 per $. The Amplify Signature does not earn points on gov spend.
Garry

Garry

3 January 2019
Hi is there a maximum limit of points you can earn in one year.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 January 2019
    Hi Garry, points earning is completely uncapped. Therefore there is no limit to the points you can earn with the St George Amplify Signature credit card.
robert

robert

6 November 2018
do I earn points paying or electric/gas/phone bills
Chris

Chris

25 September 2018
If I take up this credit card and opt for Qantas points does that mean that if I qualify I would have 90000 points put into my Qantas Frequent Flyer account?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 September 2018
    Hi Chris, yes if you opt into the Qantas points earning. Here are the full terms for the bonus points promotion: The respective bonus points promotions are available when you apply and are approved for a new Amplify Signature credit card between 1 August 2018 and 2 October 2018, and spend the minimum amount of $4,000 on eligible purchases on an Amplify Signature credit card within 90 days from card approval. Eligible purchases do not include BPAY or BPAY equivalent transactions, fees, cash, cash equivalent transactions, refunds and balance transfers debited from the card account. Existing customers who currently hold an Amplify Platinum or Amplify Signature card, or who have held one in the last 12 months, are not eligible for this offer. The bonus points will be credited to your points balance within 12 weeks after the eligible spend criteria is met.
Sue

Sue

21 August 2018
Hi Roland if i elect Amplify program can i later change to the Qantas program for future points .. is it flexible
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 August 2018
    Hi Sue, good question. I reached out to the St George credit card customer service team for a response. This stated: Yes, that's perfectly fine to arrange this. You would just need to fill in a form to switch the reward programs. This is good news and nice that this is possible.
Maxwell

Maxwell

10 August 2018
Hi Roland, Can these 90,000 points be used to convert to KrisFlyer Points ??. Also the 2 Lounge passes - What lounges can these be used?. Can it be used in Melbourne airport ??
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 August 2018
    Hi Maxwell, yes you can transfer Amplify points to Krisflyer. Its at 2 to 1. Therefore the bonus points convert to 45,000 Krisflyer miles. You can also transfer to Malaysia Airlines Enrich points or Velocity Frequent Flyer Points at the same ratio. Piority Pass is offered to Amplify Rewards Cardholders. Have a look at the priority pass website to get more information on the lounges you have access to - http://www.prioritypass.com/
David

David

8 August 2018
Hi Roland,I currently have a Vertigo Platinum Visa card. If i apply a Amplify Signature Visa Do I still qualify for the 90,000 rewards points
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 August 2018
    Hi David, I have reached out to St George credit card customer service. Warsha at 9:49, Aug 8: As long as you make a new application for Amplify Signature Card and meet the requirement area, you will be eligible for bonus points. The terms state switches and upgrades are ineligible as to why I queried this. Though as you are not actually switching or upgrading from a current Amplify card then you should be good to go.

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