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St.George Amplify Signature Credit Card – Qantas
points over 12 months Calculate your savings icon

Earn rate per $1

0.75 points
16.77% Complete (success)
Qantas Frequent Flyer

Bonus points

90,000 points
90,000% Complete (success)

Annual fee

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

Pros

90,000 bonus Qantas points

Earn 0.75 Qantas Points per $1, uncapped

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

Complimentary travel and retail insurance cover

Visa Luxury Hotels membership

Reduced annual fee the first year - save $100

2 Qantas Lounge Passes per year

Cons

Annual fee of $279

3% foreign transaction fee

St.George Amplify Signature Credit Card – Qantas

Earn 90,000 bonus Qantas points when you spend $4,000 on a new card within 90 days of card approval. This card is definitely worth considering with some great features for people that like to enjoy life. Earn 0.75 Qantas 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). Also receive a reduced annual card fee of $179 in first year, saving you $100. Who wouldn’t love this?

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.

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

With Amplify Qantas, earn 0.75 points for each $1 you spend, and bonus points can be earned when shopping with Qantas partners. Qantas Points can be redeemed on over 3,000 products, experiences and vouchers, as well as on flights with Qantas and its partner 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

  • Earn 90,000 bonus Qantas points when you spend $4,000 on a new card within 90 days of card approval
  • Birthday bonus 10% on points earned in the previous 12 months
  • Earn 0.75 Qantas points per $1 spent
  • Visa luxury Hotel Collection
  • Reduced annual card fee of $179 in first year, saving you $100
custom Image

Enjoy 90,000 bonus Qantas points and save $100 first year

Earn 90,000 bonus Qantas points when you spend $4,000 on a new card within 90 days of card approval. Plus pay a reduced annual card fee of $179 in first year, saving you $100.

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 30,000 Qantas Points, so your Birthday Bonus would be 3,000 Qantas Points. Happy Birthday! Points are credited within four weeks of your birthday.

custom Image

Lounge Access

Cardholders have two complimentary passes to Qantas Club each year.

100% of customers who have rated this card would recommend it
  • Rates
    44%
  • Fees
    66%
  • Rewards
    95%
  • Customer Service
    88%
  • Value
    73%
Overall user rating 73%
1 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 N/A
Foreign transaction fee 3%
Late payment fee $15
Credit card type Visa
Rewards program
Rewards program Qantas Frequent Flyer Qantas Frequent Flyer
Bonus points 90,000 Qantas points
Annual points cap uncapped
Bonus points spend criteria Spend $4,000 within first 90 days
Earning points with this card
Qantas points 0.75 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 Qantas Lounge Passes per year
Birthday bonus additional 10% points
Visa Luxury Hotel Collection

The Big Review: St.George Amplify Signature Credit Card - Qantas

Flaunted as St.George’s most rewarding credit card, the St.George Amplify Signature Credit Card certainly seems to have a lot to offer. Allowing cardholders to earn on the Amplify Rewards or Qantas program, this prestige rewards card also offers a birthday points bonus, two lounge visits per year, Visa Luxury Hotels membership, complimentary insurance and personalised service. But that’s not all – apply today and you could earn 90,000 bonus Qantas points.

  • 90,000 bonus Qantas points
  • Earn 0.75 Qantas Points per $1, uncapped
  • 10% Birthday Bonus on points earned in the past year
  • Amplify Rewards points can be redeemed on popular frequent flyer programs, including Virgin Australia Velocity, Malaysia Airlines Enrich and Singapore Airlines KrisFlyer
  • 2 Priority Pass or Qantas Club lounge visits per year,
  • Visa Luxury Hotels membership
  • Complimentary travel and retail insurance cover
  • 24/7 Concierge and Priority Service Line
  • Amplify Signature Travel Service
  • Standard annual fee $279
  • Reduced annual card fee of $179 in first year, saving you $100
  • To be eligible for bonus points, cardholders must spend at least $4,000 on eligible purchases within 90 days of card approval.
  • Offer not available to existing St.George/BankSA/Bank of Melbourne customers who hold an Amplify Platinum or Signature card, or those who have held one within the past 12 months.
  • 19.74% p.a. purchase rate
  • 21.49% p.a. cash advance rate
  • Overseas transaction fee: 3% of the converted amount

This Card: The Lowdown

Choice is the name of the game on this rewards card, giving cardholders the option of earning points on Amplify Rewards or the Qantas program which we are looking at in this review. With a decent earn rate and no points cap in place, this is the perfect card for big spenders who want to earn rewards on their everyday purchases while enjoying a nice selection of perks on the side.

Currently, cardholders can also enjoy 90,000 bonus Qantas points, which can be exchanged for Amplify Rewards, redeemed within the Virgin Australia Velocity, Malaysia Airlines Enrich and Singapore Airlines frequent flyer programs, or transferred to a Qantas account.

90,000 Qantas Points: Spend or Save?

  • On the Qantas program, with 45,000 Qantas Points you could fly from Sydney to Bahrain, Los Angeles, Dubai or Vancouver.

Designed to offer premium perks to cardholders, the St.George Amplify Signature Credit Card currently offers the following extras:

  • 10% Birthday Bonus on points earned in the previous 12 months.
  • 2 Qantas Club lounge visits per year.
  • Visa Luxury Hotels membership, providing you access to best available rate guarantee, automatic room upgrade (when available) and 3pm checkout (when available) in some of the world's most sought-after hotels.
  • 24/7 Concierge and Priority Service Line
  • Amplify Signature Travel Service

Offering added peace of mind while shopping at home and overseas, the card also offers a range of retail insurance covers, as well as a full suite of travel insurance covers.

  • Overseas travel insurance
  • Interstate flight inconvenience insurance
  • Transit accident insurance
  • Rental vehicle excess insurance
  • Purchase security insurance
  • Price guarantee insurance
  • Extended warranty insurance

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.

When you opt in to the Qantas frequent flyer program, making this a Qantas frequent flyer card. This provides an earn rate of:

  • Earn 0.75 Qantas Points per $1 spent on eligible purchases

Your Qantas Points will be transferred to your Qantas Frequent Flyer account after the end of each month's statement cycle. You can maximise the points you earn by using your card to spend on goods and services at any of the Qantas Frequent Flyer program's extensive range of partners, so you earn once on your card and once with the partner.

As an Amplify Qantas Signature customer, you’ll receive complimentary Qantas Frequent Flyer membership – all you need to do is call the Amplify Signature Priority Service line and they'll do the rest. Earning on the Qantas program also means you’ll have access to the Qantas Club lounge instead of Priority Pass lounges, but more on that later.

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.

Whether you earn points on the Amplify Rewards program or the Qantas program, within four weeks of your birthday, you’ll receive your Birthday Bonus points to spend as you like.

Say, if you spend $40,000 on your card within the year, your base earn total would be 30,000 Qantas Points or 60,000 Amplify Rewards Points, so your Birthday Bonus would be 3,000 Qantas Points or 6,000 Amplify Rewards Points. Happy Birthday!

Additional Cardholder

It’s also worth noting that you can have one additional cardholder at no extra cost, which could allow you to earn points even faster. However, while the additional cardholder’s earned points will be used to calculate the accumulative points total for the Birthday Bonus, only the primary cardholder will receive that Birthday point bonus.

Travel Rewards

Generally, cards that allow cardholders to earn on frequent flyer programs tend to offer perks that a frequent flyer may enjoy. The St.George Amplify Signature Credit Card is no different.

Lounge Access

When it comes to airport lounge access, the St.George Amplify Signature Credit Card has two options on offer. Cardholders who earn points on the Amplify Rewards program can enjoy two complimentary lounge passes per year through Qantas Club.

Amplify Qantas cardholders will have access to the Qantas Club lounge when travelling on Qantas or Jetstar. You and a guest could enjoy dedicated check-in, priority baggage handling, complimentary food and beverage, wireless internet and the latest newspapers and magazines.

Visa Luxury Hotels

As a cardholder, you will also benefit from Visa Luxury Hotels membership. Within the Visa Signature Luxury Hotel Collection is an exceptional selection of intriguing and prestigious properties, ranging from beautiful boutique accommodation to world-famous hotels. As a member, you will enjoy:

  • Best available rate guarantee,
  • Automatic room upgrade upon arrival (when available),
  • 3pm check-out (when available) at over 900 luxury hotels,
  • Free in-room internet,
  • Complimentary continental breakfast,
  • VIP Guest status,
  • US$25 food or beverage voucher.

To find out more about available deals at participating hotels, visit visaluxuryhotels.com and see whether this particular feature will be of benefit to you.

Amplify Signature Travel Service

Another premium travel perk available to St.George Amplify Signature cardholders is the Amplify Signature Travel Service. Helping you save time when organising and booking a trip, this dedicated phone service provides the assistance of professional travel consultants, who have access to travel offers and packages exclusive to Signature members.

The Amplify Signature Travel service line is 1300 851 324, open 8am-8pm (AEST), Monday to Friday.

This Card: Extras on Offer

Prestige cardholders expect certain extras on their credit card. Why else choose a prestige card, if not for the extras on offer? When it comes to added extras on the St.George Amplify Signature Credit Card, the usual suspects are on offer. If you’re not familiar with prestige offerings, that means a personal concierge service and complimentary insurances.

24/7 Concierge and Priority Service Line

A personal concierge service generally comes as standard on prestige cards, assisting cardholders with everything from travel bookings to restaurant recommendations. As a St.George Amplify Signature cardholder, you will have access to the Amplify 24/7 Concierge, which can basically act as a personal assistant when you’re at home in Australia, and when you travel overseas.

Available only to Amplify Signature cardholders, this concierge service can help you organise a birthday get-together or buy a gift for a loved one, it can reserve a table in your favourite restaurant or call you a taxi when you need to get home. And if you have any queries about your card, or if it’s lost or stolen, this Priority Service line will help you get the matter sorted out.

Complimentary Insurance

Again, complimentary insurance is typically made available to prestige cardholders. However, the word ‘complimentary’ can be misleading, as you are paying for all the features on offer in the annual fee you pay out on the card. Whether the insurances on offer are of use to you will depend on the card and the way in which you use it.

For a relatively low annual fee, the St.George Amplify Signature Credit Card offers a full suite of insurances. These include:

  • Complimentary Overseas Travel Insurance for up to 6 months
  • Complimentary Purchase Cover for up to 4 months
  • Extended Warranty Cover for up to 12 months
  • Transit Accident Insurance
  • Certain medical and hospital expenses overseas – unlimited cover (except emergency dental and bed care patient allowance)
  • Unexpected cancellation of your travel arrangements and associated expenses – unlimited cover (maximum of AUD $10,000 for a family)
  • Up to $500 per person for travel delays.
  • Up to $550 per person for loss or damage to travel documents.
  • Up to $20,000 per person for accidental loss or damage to eligible personal property
  • Up to $5,500 of excess cover for loss or damage of a rental vehicle

Before relying on any credit card insurance cover, it’s a good idea to check the PDS to find out what’s covered and what’s not. As long as you know what to expect, these insurance options could save you hundreds of dollars on standard cover, which could help to balance out the card’s annual fee.

This Card: The Essentials

When comparing credit cards, you should always look closely at the need-to-know info, not just the fun features. In terms of interest, this card has a relatively high purchase rate and cash advance rate, so it’s not a great choice for cardholders who carry a balance.

To be eligible for this card, you’ll need to have a minimum annual income of $75,000, with available credit limits ranging from $15,000 to $80,000. At $279 per year, it has a significant annual fee, but that’s actually pretty low compared to other prestige options, especially when you look at everything that’s on offer.

Decision Time

When you take into account the relatively low annual fee, the St.George Amplify Signature Credit Card is an outstanding option. Offering a great earn rate on a selection of rewards programs, this rewards card becomes even more appealing when you look at all that’s on offer, from Birthday Bonus points and lounge access, to Visa Luxury Hotels membership and personalised service. And there’s 90,000 bonus Qantas points to take into consideration too!

4 questions (showing the latest 10 Q&As)

angel

angel

10 April 2019
Hi Roland,If we pay the bill using Amplify credit card will it be counted towards to accumulate the $4000 spent within 90 days and get the 80K Qantas points? Thanks.
Terence

Terence

7 February 2019
Is there an age limit on complimentary overseas travel insurance?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 February 2019
    Hi Terence, for overseas travel insurance, the cover is only available to persons up to and including 80 years of age.
Chris

Chris

6 December 2018
I just want to confirm my understanding. Do we get qantas lounge access each time we fly with qantas while holding this card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 December 2018
    Hi Chris, you get 2 Qantas Club lounge visits per year with the St George Amplify Signature.
Carl

Carl

2 November 2018
I have had a ANZ credit card (now cancelled) with qantas bonus points within the last 12 months. Am i eligible to claim for the bonus points reward with the st george card? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 November 2018
    Hi Carl, yes you are. As ANZ and St George are different credit card issuers then being a former ANZ Qantas points customer will not effect your eligibility with St George for bonus points.
  • 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 – Qantas
St.George Amplify Signature Credit Card – Qantas

Qantas Frequent Flyer Credit Cards

St.George Amplify Signature Credit Card – Qantas

Updated 1 July 2019

Apply by 2 October 2019

Points Earn Rate (per $1 spent)

0.75

points

Qantas

Rewards Program

Qantas Frequent Flyer

Bonus Points

90,000 pts

Spend $4,000 within first 90 days

0 points over 12 months spend

My monthly card spend

Pros and cons

  • 90,000 bonus Qantas points
  • Earn 0.75 Qantas Points per $1, uncapped
  • Birthday bonus 10% on points earned in the previous 12 months
  • Complimentary travel and retail insurance cover
  • Visa Luxury Hotels membership
  • Reduced annual fee the first year - save $100
  • 2 Qantas Lounge Passes per year

  • Annual fee of $279
  • 3% foreign transaction fee

Creditcard.com.au review

Editor Review

The Big Review: St.George Amplify Signature Credit Card - Qantas

Flaunted as St.George’s most rewarding credit card, the St.George Amplify Signature Credit Card certainly seems to have a lot to offer. Allowing cardholders to earn on the Amplify Rewards or Qantas program, this prestige rewards card also offers a birthday points bonus, two lounge visits per year, Visa Luxury Hotels membership, complimentary insurance and personalised service. But that’s not all – apply today and you could earn 90,000 bonus Qantas points.

  • 90,000 bonus Qantas points
  • Earn 0.75 Qantas Points per $1, uncapped
  • 10% Birthday Bonus on points earned in the past year
  • Amplify Rewards points can be redeemed on popular frequent flyer programs, including Virgin Australia Velocity, Malaysia Airlines Enrich and Singapore Airlines KrisFlyer
  • 2 Priority Pass or Qantas Club lounge visits per year,
  • Visa Luxury Hotels membership
  • Complimentary travel and retail insurance cover
  • 24/7 Concierge and Priority Service Line
  • Amplify Signature Travel Service
  • Standard annual fee $279
  • Reduced annual card fee of $179 in first year, saving you $100
  • To be eligible for bonus points, cardholders must spend at least $4,000 on eligible purchases within 90 days of card approval.
  • Offer not available to existing St.George/BankSA/Bank of Melbourne customers who hold an Amplify Platinum or Signature card, or those who have held one within the past 12 months.
  • 19.74% p.a. purchase rate
  • 21.49% p.a. cash advance rate
  • Overseas transaction fee: 3% of the converted amount

This Card: The Lowdown

Choice is the name of the game on this rewards card, giving cardholders the option of earning points on Amplify Rewards or the Qantas program which we are looking at in this review. With a decent earn rate and no points cap in place, this is the perfect card for big spenders who want to earn rewards on their everyday purchases while enjoying a nice selection of perks on the side.

Currently, cardholders can also enjoy 90,000 bonus Qantas points, which can be exchanged for Amplify Rewards, redeemed within the Virgin Australia Velocity, Malaysia Airlines Enrich and Singapore Airlines frequent flyer programs, or transferred to a Qantas account.

90,000 Qantas Points: Spend or Save?

  • On the Qantas program, with 45,000 Qantas Points you could fly from Sydney to Bahrain, Los Angeles, Dubai or Vancouver.

Designed to offer premium perks to cardholders, the St.George Amplify Signature Credit Card currently offers the following extras:

  • 10% Birthday Bonus on points earned in the previous 12 months.
  • 2 Qantas Club lounge visits per year.
  • Visa Luxury Hotels membership, providing you access to best available rate guarantee, automatic room upgrade (when available) and 3pm checkout (when available) in some of the world's most sought-after hotels.
  • 24/7 Concierge and Priority Service Line
  • Amplify Signature Travel Service

Offering added peace of mind while shopping at home and overseas, the card also offers a range of retail insurance covers, as well as a full suite of travel insurance covers.

  • Overseas travel insurance
  • Interstate flight inconvenience insurance
  • Transit accident insurance
  • Rental vehicle excess insurance
  • Purchase security insurance
  • Price guarantee insurance
  • Extended warranty insurance

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.

When you opt in to the Qantas frequent flyer program, making this a Qantas frequent flyer card. This provides an earn rate of:

  • Earn 0.75 Qantas Points per $1 spent on eligible purchases

Your Qantas Points will be transferred to your Qantas Frequent Flyer account after the end of each month's statement cycle. You can maximise the points you earn by using your card to spend on goods and services at any of the Qantas Frequent Flyer program's extensive range of partners, so you earn once on your card and once with the partner.

As an Amplify Qantas Signature customer, you’ll receive complimentary Qantas Frequent Flyer membership – all you need to do is call the Amplify Signature Priority Service line and they'll do the rest. Earning on the Qantas program also means you’ll have access to the Qantas Club lounge instead of Priority Pass lounges, but more on that later.

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.

Whether you earn points on the Amplify Rewards program or the Qantas program, within four weeks of your birthday, you’ll receive your Birthday Bonus points to spend as you like.

Say, if you spend $40,000 on your card within the year, your base earn total would be 30,000 Qantas Points or 60,000 Amplify Rewards Points, so your Birthday Bonus would be 3,000 Qantas Points or 6,000 Amplify Rewards Points. Happy Birthday!

Additional Cardholder

It’s also worth noting that you can have one additional cardholder at no extra cost, which could allow you to earn points even faster. However, while the additional cardholder’s earned points will be used to calculate the accumulative points total for the Birthday Bonus, only the primary cardholder will receive that Birthday point bonus.

Travel Rewards

Generally, cards that allow cardholders to earn on frequent flyer programs tend to offer perks that a frequent flyer may enjoy. The St.George Amplify Signature Credit Card is no different.

Lounge Access

When it comes to airport lounge access, the St.George Amplify Signature Credit Card has two options on offer. Cardholders who earn points on the Amplify Rewards program can enjoy two complimentary lounge passes per year through Qantas Club.

Amplify Qantas cardholders will have access to the Qantas Club lounge when travelling on Qantas or Jetstar. You and a guest could enjoy dedicated check-in, priority baggage handling, complimentary food and beverage, wireless internet and the latest newspapers and magazines.

Visa Luxury Hotels

As a cardholder, you will also benefit from Visa Luxury Hotels membership. Within the Visa Signature Luxury Hotel Collection is an exceptional selection of intriguing and prestigious properties, ranging from beautiful boutique accommodation to world-famous hotels. As a member, you will enjoy:

  • Best available rate guarantee,
  • Automatic room upgrade upon arrival (when available),
  • 3pm check-out (when available) at over 900 luxury hotels,
  • Free in-room internet,
  • Complimentary continental breakfast,
  • VIP Guest status,
  • US$25 food or beverage voucher.

To find out more about available deals at participating hotels, visit visaluxuryhotels.com and see whether this particular feature will be of benefit to you.

Amplify Signature Travel Service

Another premium travel perk available to St.George Amplify Signature cardholders is the Amplify Signature Travel Service. Helping you save time when organising and booking a trip, this dedicated phone service provides the assistance of professional travel consultants, who have access to travel offers and packages exclusive to Signature members.

The Amplify Signature Travel service line is 1300 851 324, open 8am-8pm (AEST), Monday to Friday.

This Card: Extras on Offer

Prestige cardholders expect certain extras on their credit card. Why else choose a prestige card, if not for the extras on offer? When it comes to added extras on the St.George Amplify Signature Credit Card, the usual suspects are on offer. If you’re not familiar with prestige offerings, that means a personal concierge service and complimentary insurances.

24/7 Concierge and Priority Service Line

A personal concierge service generally comes as standard on prestige cards, assisting cardholders with everything from travel bookings to restaurant recommendations. As a St.George Amplify Signature cardholder, you will have access to the Amplify 24/7 Concierge, which can basically act as a personal assistant when you’re at home in Australia, and when you travel overseas.

Available only to Amplify Signature cardholders, this concierge service can help you organise a birthday get-together or buy a gift for a loved one, it can reserve a table in your favourite restaurant or call you a taxi when you need to get home. And if you have any queries about your card, or if it’s lost or stolen, this Priority Service line will help you get the matter sorted out.

Complimentary Insurance

Again, complimentary insurance is typically made available to prestige cardholders. However, the word ‘complimentary’ can be misleading, as you are paying for all the features on offer in the annual fee you pay out on the card. Whether the insurances on offer are of use to you will depend on the card and the way in which you use it.

For a relatively low annual fee, the St.George Amplify Signature Credit Card offers a full suite of insurances. These include:

  • Complimentary Overseas Travel Insurance for up to 6 months
  • Complimentary Purchase Cover for up to 4 months
  • Extended Warranty Cover for up to 12 months
  • Transit Accident Insurance
  • Certain medical and hospital expenses overseas – unlimited cover (except emergency dental and bed care patient allowance)
  • Unexpected cancellation of your travel arrangements and associated expenses – unlimited cover (maximum of AUD $10,000 for a family)
  • Up to $500 per person for travel delays.
  • Up to $550 per person for loss or damage to travel documents.
  • Up to $20,000 per person for accidental loss or damage to eligible personal property
  • Up to $5,500 of excess cover for loss or damage of a rental vehicle

Before relying on any credit card insurance cover, it’s a good idea to check the PDS to find out what’s covered and what’s not. As long as you know what to expect, these insurance options could save you hundreds of dollars on standard cover, which could help to balance out the card’s annual fee.

This Card: The Essentials

When comparing credit cards, you should always look closely at the need-to-know info, not just the fun features. In terms of interest, this card has a relatively high purchase rate and cash advance rate, so it’s not a great choice for cardholders who carry a balance.

To be eligible for this card, you’ll need to have a minimum annual income of $75,000, with available credit limits ranging from $15,000 to $80,000. At $279 per year, it has a significant annual fee, but that’s actually pretty low compared to other prestige options, especially when you look at everything that’s on offer.

Decision Time

When you take into account the relatively low annual fee, the St.George Amplify Signature Credit Card is an outstanding option. Offering a great earn rate on a selection of rewards programs, this rewards card becomes even more appealing when you look at all that’s on offer, from Birthday Bonus points and lounge access, to Visa Luxury Hotels membership and personalised service. And there’s 90,000 bonus Qantas points to take into consideration too!

User reviews

St.George Amplify Signature Credit Card – Qantas ( based on 1 Creditcard.com.au user review )

73% rating based on 1 review

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

Annual fee the first year $179

Cash advance fee N/A

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Qantas Frequent Flyer Qantas Frequent Flyer

Bonus points 90,000 Qantas points

Annual points cap uncapped

Bonus points spend criteria Spend $4,000 within first 90 days

Earning points with this card

Qantas pointsQantas points 0.75 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 Qantas Lounge Passes per year

Birthday bonus additional 10% points

Visa Luxury Hotel Collection

Overview

St.George Amplify Signature Credit Card – Qantas

Earn 90,000 bonus Qantas points when you spend $4,000 on a new card within 90 days of card approval. This card is definitely worth considering with some great features for people that like to enjoy life. Earn 0.75 Qantas 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). Also receive a reduced annual card fee of $179 in first year, saving you $100. Who wouldn’t love this?

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.

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

With Amplify Qantas, earn 0.75 points for each $1 you spend, and bonus points can be earned when shopping with Qantas partners. Qantas Points can be redeemed on over 3,000 products, experiences and vouchers, as well as on flights with Qantas and its partner 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

  • Earn 90,000 bonus Qantas points when you spend $4,000 on a new card within 90 days of card approval
  • Birthday bonus 10% on points earned in the previous 12 months
  • Earn 0.75 Qantas points per $1 spent
  • Visa luxury Hotel Collection
  • Reduced annual card fee of $179 in first year, saving you $100

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.

4 questions (showing the latest 10 Q&As)

angel

angel

10 April 2019
Hi Roland,If we pay the bill using Amplify credit card will it be counted towards to accumulate the $4000 spent within 90 days and get the 80K Qantas points? Thanks.
Terence

Terence

7 February 2019
Is there an age limit on complimentary overseas travel insurance?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 February 2019
    Hi Terence, for overseas travel insurance, the cover is only available to persons up to and including 80 years of age.
Chris

Chris

6 December 2018
I just want to confirm my understanding. Do we get qantas lounge access each time we fly with qantas while holding this card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 December 2018
    Hi Chris, you get 2 Qantas Club lounge visits per year with the St George Amplify Signature.
Carl

Carl

2 November 2018
I have had a ANZ credit card (now cancelled) with qantas bonus points within the last 12 months. Am i eligible to claim for the bonus points reward with the st george card? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 November 2018
    Hi Carl, yes you are. As ANZ and St George are different credit card issuers then being a former ANZ Qantas points customer will not effect your eligibility with St George for bonus points.

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