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200,000 Over 2 years (100k in year 1, 100k in year 2) when you spend $12k on eligible purchases each year
St.George Amplify Signature Credit Card
St.George Amplify Signature Credit Card

St.George Credit Cards

St.George Amplify Signature Credit Card

Updated 6 October 2021

Earn up to 200,000 Bonus Amplify Rewards Points over 2 years when you spend $12k on eligible purchases each year. Two Priority Pass lounge visits per year, membership to the Visa Luxury Hotel Collection, and birthday bonus points, where, on your birthday, you’ll receive 10% of the points earned in the past 12 months, added to your account.

T&Cs apply. Offer ends 30 November 2021

Points Earn Rate (per $1 spent)

1.5 points

Amplify

Rewards Program

Amplify Rewards

Bonus Points

200,000 pts

Over 2 years (100k in year 1, 100k in year 2) when you spend $12k on eligible purchases each year

Pros and cons

  • Receive 100,000 bonus Amplify Points in year 1 plus a further 100,000 in year 2 when you spend at least $12,000 on eligible purchases each year
  • 0% p.a. for 15 months on balance transfers requested at new card application. Rate then switches to variable cash advance rate. 1% balance transfer fee.
  • Earn 1.5 Amplify Points per $1, uncapped
  • Birthday bonus of 10% on points earned
  • Visa Luxury Hotel Collection membership
  • 2 Priority Pass lounge visits per year
  • Eligible with Apple Pay, Google Pay and Samsung Pay
  • Complimentary Overseas travel insurance for trips up to six months

  • 3% foreign transaction fee

Creditcard.com.au review

Editor Review

St.George Amplify Signature Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

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 a 10% birthday bonus points.

  • Earn up to 200,000 Bonus Amplify Rewards Points - Receive 100k on year 1 and 100k on year 2 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
  • 10% Birthday bonus points
  • 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 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 30 November 2021, 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 and a purchase from or payment to a government or government related agency.

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

  • If some retail therapy is in order, you could head over to the Amplify Rewards Store to enjoy better value, where you could redeem 57,000 Amplify Points for $250 worth of Westfield gift cards, or 66,600 Amplify Points for $300 worth of David Jones gift cards.

Point calculations are accurate but may be subject to change without notice.

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 airline partners, which include 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 :

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

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 (temporary unavailable)
  • Automatic room upgrade upon arrival (when available)
  • 3pm check-out (when available)
  • Complimentary in-room Internet (when available)
  • Complimentary continental breakfast each day
  • VIP Guest status
  • US$25 food or beverage credit

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 birthday bonus points, purchase security insurance cover.

10% 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.

Purchase 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.

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.

User reviews

St.George Amplify Signature Credit Card ( based on 4 Creditcard.com.au user reviews )

78% rating based on 4 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 period on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 15 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

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.

Additional cardholder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment 2% or $10, whichever is greater

Cash advance fee 2% or $2.50, whichever is greater

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Amplify Rewards Amplify Rewards

Bonus points 200,000 points

Annual points cap uncapped

Bonus points spend criteria Over 2 years (100k in year 1, 100k in year 2) when you spend $12k on eligible purchases each year

Earning points with this card

Amplify Rewards points 1.5 points per $1 spent

Points cap per month N/A

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

Price guarantee cover

Fraud Protection

Overview

St.George Amplify Signature Credit Card

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% birthday bonus points 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).

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.

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.

Key features

  • Up to 200,000 bonus Amplify Points (100k on year 1, 100k on year 2) when you spend $12k on eligible purchases each year.
  • 0% p.a. for 15 months on balance transfers requested at new card application. Rate then switches to variable cash advance rate. 1% balance transfer fee.
  • Birthday bonus 10% on points earned in the previous 12 months
  • Visa Luxury Hotel Collection membership
  • Earn 1.5 Amplify point for every $1 spend on your card
  • Amplify Rewards is linked to Singapore Airlines or Malaysia Airlines
  • Complimentary Overseas travel insurance for trips up to six months
  • Eligible with Apple Pay, Google Pay and Samsung Pay

Minimum criteria to apply for this card

  • Be over 18 years old

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

  • Must have have a permanent residency visa

  • 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.

61 questions (showing the latest 10 Q&As)

Nicholas Yeoh

Nicholas Yeoh

17 September 2021
Hi there, I was wondering for the St.George Amplify Signature credit card, what are my requirements to be able to get this card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 September 2021
    Hi Nicholas, as per St.George, you should be at least 18 years of age, an Australian citizen or hold a permanent residency visa, have a regular verifiable income, and have an Australian residential address.

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