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90,000 Spend $6,000 within first 90 days
St.George Amplify Signature Credit Card – Qantas
St.George Amplify Signature Credit Card – Qantas

St.George Credit Cards

St.George Amplify Signature Credit Card – Qantas

Updated 28 February 2024

Earn 90,000 bonus Qantas points when you apply by 31 July 2024 and spend $6,000 on a new card within 90 days of card approval. Take advantage of 0% p.a. for 24 months on balance transfers requested at new card application with 1% balance transfer fee. Earn 0.75 Qantas points for every dollar spent* plus, get a birthday bonus of 10% of rewards points you have earned in the previous 12 months. Enjoy a full suite of complimentary insurance and two complimentary airport lounge passes each year.

Points Earn Rate (per $1 spent)

0.75 points

Capped at $250,000 per year. Bonus Qantas Points excluded in the cap.

Rewards Program

Qantas Frequent Flyer

Bonus Points

90,000 pts

Spend $6,000 within first 90 days

Pros and cons

  • 90,000 bonus Qantas points when you spend $6,000 on eligible purchases within 90 days of card approval
  • 0% p.a. for 24 months on balance transfers requested at new card application. Rate then switches to variable cash advance rate. 1% balance transfer fee.
  • Earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases per year*
  • Up to 55 days interest-free
  • Free additional cardholder
  • 2 Qantas Lounge Passes per year
  • Birthday bonus 10% on points earned in the previous 12 months
  • Complimentary International and Domestic Travel Insurance (including COVID-19 coverage effective 30 June 2022, T&Cs apply)
  • Eligible with Apple Pay, Google Pay and Samsung Pay

  • 3% foreign transaction fee
  • $75 annual Qantas Rewards fee

Creditcard.com.au review

Editor Review

St.George Amplify Signature Credit Card – Qantas

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. about this card.

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

Point calculations are accurate as of 7 February 2024 but may be subject to change without notice. All routes may have additional taxes and charges. Check on the official St.George page for the updated calculations.

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, complimentary insurance and personalised service. But that’s not all – apply today and you could earn 90,000 bonus Qantas points and enjoy 0% p.a. for 24 months on balance transfers.

  • 90,000 bonus Qantas points
  • Earn 0.75 Qantas Points per $1*
  • 10% Birthday Bonus on points earned in the past year
  • Amplify Rewards points can be redeemed on popular frequent flyer programs, including Malaysia Airlines Enrich and Singapore Airlines KrisFlyer
  • 2 Qantas Club lounge visits per year,
  • Complimentary travel and retail insurance cover
  • 0% p.a. for 24 months on balance transfers requested at new card application. Rate then switches to variable cash advance rate. 1% balance transfer fee.
  • To be eligible for bonus points, cardholders must spend at least $6,000 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.
  • Annual fee $295
  • 19.49% p.a. purchase rate
  • 21.49% p.a. cash advance rate
  • $75 annual Qantas Rewards fee
  • 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 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 41,900 Qantas Points you could fly from Sydney to Los Angeles..

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.

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
  • 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 capped at $250,000 per year (Bonus Qantas Points excluded in the cap)

Your Qantas Points will be transferred to your Qantas Frequent Flyer account after the end of each month's statement cycle. You can maximize 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 earn points on the Qantas program which 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 Priority Pass.

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.

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 24 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 (exceptions apply)
  • 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.

Good thing, St.George Amplify Signature Credit Card also helps you manage your balances and achieve your pay down targets. Currently, it offers 0% p.a. for 24 months on balance transfers requested at new card application with 1% balance transfer fee. Rate then switches to variable cash advance rate. You are allowed to transfer balances up to 80% of your approved available credit limit (minimum of $200) from up to 3 non-St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards.

At $295 per year, this card sits in the middle of the pack for ongoing costs. It's not a bad fee for a prestige card with plenty of extras. Just remember you'll also pay a $75 Qantas Rewards fee on top of the annual fee for earning Qantas Points through the Amplify Qantas rewards program.

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 complimentary insurances. Additionally, the combination of 90,000 bonus Qantas points and 0% p.a. for 24 months on balance transfers is a great offer to take into consideration too!

User reviews

St.George Amplify Signature Credit Card – Qantas ( based on 2 Creditcard.com.au user reviews )

75% rating based on 2 reviews

Rates
Fees
Rewards
Customer Service
Value
76%

Joe

19 June 2021

6 years ago, it was 1 point per $ with no caps, these days it's 0.75/$. It doesn't looked like a "signature" offer to me. 1 point/$ make sense.

Recommends this card

Rates and fees

Interest rates



Purchase rate 19.49% p.a.

Cash advance rate 21.49% p.a.

Interest free period on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 24 months

Balance transfer revert rate 21.49% p.a.

Balance transfer from personal loan No

Balance transfer fee 1% one off

Balance transfer limit 80% of approved credit limit

Brands 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 $295 p.a.

Additional cardholder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment 2% or $10, whichever is greater

Cash advance fee 3%

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Qantas Frequent Flyer Qantas Frequent Flyer

Bonus points 90,000 points

Annual points cap 187,500

Bonus points spend criteria Spend $6,000 within first 90 days

Earning points with this card

Qantas Rewards points 0.75 points per $1 spent

Points cap per month Capped at $250,000 per year. Bonus Qantas Points excluded in the cap.

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance Yes - up to 6 months

Flight Inconvenience Insurance Yes

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance Yes

Extras

Fraud protection

Overview

St.George Amplify Signature Credit Card – Qantas

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.

Disclaimer: The interest-free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest-free period for purchases, to be entitled to that interest-free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.

*From 1 January 2022, earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. Bonus Qantas Points are not included in the cap.

Key features

  • Earn 90,000 bonus Qantas points when you spend $6,000 on a new card within 90 days of card approval
  • 0% p.a. for 24 months on balance transfers requested at new card application. Rate then switches to variable cash advance rate. 1% balance transfer fee.
  • Earn 0.75 Qantas points per $1 spent up to a maximum of $250,000 spent on eligible purchases per year*
  • 2 Qantas Lounge Passes per year
  • Birthday bonus 10% on points earned in the previous 12 months
  • Complimentary insurances

Minimum criteria to apply for this card

  • Be over 18 years old

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

  • You have permanent residency in Australia/NZ OR; You’re a non-resident or migrant and hold an acceptable Visa, with a min 1 year before expiry

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

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

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

14 questions (showing the latest 10 Q&As)

Rod Bowes

Rod Bowes

7 September 2023
I'm I eligible for this card if I'm retired? We do currently have an account with St George Rod
    Pauline - CreditCard.com.au

    Pauline

    8 September 2023
    Hi Rod! Once you’re retired, credit providers can look at you a little differently because your means of income changes (a pension or self-funded income rather than PAYG or self-employed income). I haven’t found anything specific from St.George about applying as a retiree, and it doesn’t give an indication of minimum income requirements for this card. You can look at our guide for retirees here which gives you an idea of the kind of documents you’ll need to present on your application, which might help. Good luck Rod!
Melissa Andres

Melissa Andres

29 July 2023
Im on a Standard Variable Loan Package and it had a credit card included. If we request for an Amplify card, will the annual 250 fee be waived for the lifetime of the loan?
    Pauline - CreditCard.com.au

    Pauline

    1 August 2023
    Hi Melissa, that would be a question for St.George directly, since it's about a home loan package. You can contact them on 13 33 30. Good luck!
Annie

Annie

13 June 2023
St George Amplify signature qantas CC, Are Electronic Bank Transfers eligible for this credit card and Qantas points?
    Pauline - CreditCard.com.au

    Pauline

    15 June 2023
    Hi Annie, I'm not 100% sure of your question but I'll try to answer. You likely won't earn Qantas points for an EFT because St.George's terms say cash equivalent transactions aren't eligible for rewards. Rewards are usually earned for regular day-to-day purchases like shopping and fuel. If you're asking if you can pay an outstanding balance with funds from a bank account, then yes you can (which won't earn any rewards either). I hope that's answered your question Annie!
bryceey@bigpond.com

[email protected]

5 March 2023
hi, which insurance company do st george use for their free travel insurance on amplify signature cc with qantas
    Pauline - CreditCard.com.au

    Pauline

    6 March 2023
    Hi there, I checked this for you, and it looks like Allianz Global Assistance is St.George’s insurance underwriter.
barb kiemski

barb kiemski

27 October 2022
is there a daily spend limit on this card?
    Pauline - CreditCard.com.au

    Pauline

    27 October 2022
    Hi Barb, St.George don’t list this information anywhere on the internet unfortunately. Most providers let you manage your daily cap in the app.
Dr Nasreen Akhter

Dr Nasreen Akhter

16 September 2022
I am a St. George customer. Would like to apply for Amplify Qantas signature card
    Pauline - CreditCard.com.au

    Pauline

    19 September 2022
    Hi Dr. Nasreen, we currently don’t have an active partnership for this card, please head over to the official St.George site to directly apply.
Shane

Shane

20 October 2021
Can this Credit Card be used to pay the ATO ? Do I gain points
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 October 2021
    Hi Shane, unfortunately, you don’t earn points when using this card using this card to pay the ATO. However, there are other cards like American Express that have a points earning feature at government entities at a lower rate. You can use our handy comparison tool to see how many points you might earn, and check out a range of credit cards that earn rewards on ATO payments.
Mark

Mark

14 December 2020
RE: "eligible purchase" . what about land tax, council rates, sydney water rates, management fees
Camila

Camila

18 July 2019
What is considered an "eligible purchase" to go towards the minimum spend of $4,000?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 July 2019
    Hi Camila, its more about what is not eligible. Things like bank fees, cash advances and balance transfer are not eligible. BPAY payments tend not to be eligible. General purchases like holidays, shopping etc are eligible.
Angela

Angela

17 July 2019
do my points expire?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 July 2019
    Hi Angela, this card earns direct Qantas points. Your Qantas Points will not expire as long as you earn or use Qantas Points (excluding family transfers or the conversion of points from Qantas Business Rewards) through your Frequent Flyer account at least once every 18 months. This includes earning or using Qantas Points with our program partners.
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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