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150,000 Spend $12,000 in the first 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 July 2022

Receive 150,000 Bonus Amplify Rewards Points (worth up to $675 in eGift cards) when you apply by 31 December 2022 and spend $12k on eligible purchases in the first year. Enjoy a discounted first year annual fee plus, 0% p.a. for 24 months on balance transfers (1% balance transfer fee applies). Two Priority Pass lounge visits per year, Visa Luxury Hotel Collection membership, and birthday bonus points. T&Cs apply.

Points Earn Rate (per $1 spent)

1.5 points

Amplify

Rewards Program

Amplify Rewards

Bonus Points

150,000 pts

Spend $12,000 in the first year

Pros and cons

  • Receive 150,000 bonus Amplify Points (worth up to $675 in eGift cards) when you spend $12k on eligible purchases in the fist year.
  • Discounted first year annual fee of $139; $279 annual fee after
  • 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. Offer ends 30 June 2022.
  • 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

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 (Amplify Program)

Rewarding new cardholders with 150,000 bonus Amplify Points in the first year 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 and benefits including a discounted first year annual fee, 0% p.a. for 24 months on balance transfers (offer ends 30 June 2022), 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.

Point calculations are accurate as of 30 June 2022 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.

  • Receive 150,000 Bonus Amplify Rewards Points when you spend $12k on eligible purchases in the first year
  • Discounted first year annual fee of $139 ($279 annual fee after)
  • 0% p.a. for 24 months on balance transfers requested at new card application, 1% balance transfer fee applies
  • 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: 19.49% 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 150,000 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 150,000 bonus Amplify Points to new cardholders when you spend $12k on eligible purchases in the first year. To qualify, you need to apply and be approved by 31 December 2022, 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 150,000 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 up to $675 in eGift cards. For example, 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.

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, 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.

While the card’s standard annual fee is relatively high, new cardholders can enjoy a discounted first year annual fee of $139. 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.

However, in terms of balance transfers, St.George Amplify Signature Credit Card is very generous and currently offering 0% p.a. for 24 months on balance transfers requested at new card application with 1% balance transfer fee. Rate reverts to the variable cash advance rate after the promotional period ends. This offer helps you clear up your balances faster and manageable. Providing relief, you can 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.

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 150,000 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 19.49% 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 $279 p.a.

Additional cardholder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment 2% or $10, whichever is greater

Annual fee the first year $139

Cash advance fee 3%

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Amplify Rewards Amplify Rewards

Bonus points 150,000 points

Annual points cap uncapped

Bonus points spend criteria Spend $12,000 in the first 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

  • Receive 150,000 bonus Amplify Points (worth up to $675 in eGift cards) when you spend $12k on eligible purchases in the fist year.
  • Discounted first year annual fee of $139; $279 annual fee after
  • 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. Offer ends 30 June 2022.
  • 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

  • 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 a our credit card expert a question.

70 questions (showing the latest 10 Q&As)

Rach

Rach

6 July 2022
Hi, can I use this card for access to the Virgin lounge in Adelaide or Gold Coast? And can I bring my 12 year old child in with me ? If I sign up for the credit card now, is there a waiting time to use lounge acces? Im flying in September
    Pauline - CreditCard.com.au

    Pauline

    6 July 2022
    Hi Rach, this card will let you into the REX lounge in Adelaide but not the Virgin lounge in Gold Coast. The American Express Velocity Platinum Credit Card and the Virgin Australia Velocity High Flyer Credit Card will get you two complimentary Virgin lounge passes. With this St.George card, you’ll get 2 Priority Pass passes, which partners with different lounge operators around the world. If you do choose this card, you’ll just need to enrol your card to prioritypass.com/amplifysignature to start using the Priority Pass feature. Have a safe and enjoyable flight!
Viju V George

Viju V George

1 July 2022
Hi, I have a St George Amplify Signature Card and I will travelling vis Signapore ohn July 11. How Do I get the facility for the Airport lounge during transit?
    Pauline - CreditCard.com.au

    Pauline

    4 July 2022
    Hi Viju, I checked this for you and see that you first need to enrol your St.George Amplify Signature card at the official Priority Pass site.
Michelle Xiao

Michelle Xiao

14 June 2022
Hi Pauline, How much I need to spend for the international travel insurance? And where to spend, except air ticket and hotel? Is it including the spend overseas?
    Pauline - CreditCard.com.au

    Pauline

    15 June 2022
    Hi Michelle, according to the St.George PDS, you’ll need to spend $500 on pre-paid travel expenses. This could be “the cost of your return overseas travel ticket; and/or airport/ departure taxes; and/or your prepaid overseas accommodation/ travel; and/or your other prepaid overseas itinerary items”. This was taken directly from the PDS, but it’s always best to read the PDS in full before you travel. Have a great trip!
MIRKO RADOVANOVIC

MIRKO RADOVANOVIC

12 June 2022
what is foreign transaction fee for amplify credit cards
    Pauline - CreditCard.com.au

    Pauline

    15 June 2022
    i Mirko, I checked St.George Amplify credit card’s terms and do see that you will be charged of a 3% foreign transaction fee if you use the card for transactions made with a non-AU currency.
SAILESH

SAILESH

8 June 2022
In st george amplify signature card, what level of priority pass is included? I have currently st george Visa card, can i upgrade to this credit card?
    Pauline - CreditCard.com.au

    Pauline

    10 June 2022
    Hi Sailesh, looking on St.George Amplify Rewards terms, indeed a complimentary priority pass is included. However it does not state what level of membership is provided. Also, I see that the current offer is available to new Amplify Rewards Signature card holders. As long as you don’t hold or have held any Amplify, Amplify Platinum or Amplify Signature card issued by St.George, BanksSA or Bank of Melbourne in the last 12 months, you may be eligible. You can contact St.George directly at 13 33 22 for more information on the priority pass and upgrade to this card. It’s worth noting that “upgrading” might involve you applying for the card, which kicks off the credit assessment process.
julia

julia

2 May 2022
Hi Daniel, could you pls tell if the points expire pls? If so, how long do they last ?
    Pauline - CreditCard.com.au

    Pauline

    3 May 2022
    Hi Julia, Amplify points do not expire if you have your card account still open and are still enrolled in Amplify rewards. If you switch to Qantas Points or close your account, you’ll have 90 days from that date to use them. To learn more you can visit our ultimate guide to Amplify Rewards.
David Miller

David Miller

22 April 2022
Does this insurance cover covid
    Pauline - CreditCard.com.au

    Pauline

    2 May 2022
    Hi David, when it comes to pandemics and epidemics, insurance underwriters have different exclusions. For St.George Amplify Signature credit card, you can check their official insurance terms to get more information.
daniel.lambert@unitywater.com

[email protected]

18 February 2022
Do the St George credit cards connect to Qantas?
Phillip Raymond Nolan

Phillip Raymond Nolan

14 February 2022
Travel Insurance - I am age 70 and have a St George VISA Signature Amplify account. My 24 year old son holds an additional card attached to my account. Is he entitled to the same benefits a myself.
    Pauline - CreditCard.com.au

    Pauline

    15 February 2022
    Hi Phillip. I checked the St.George travel insurance PDS and found that your son could be eligible if you’ve met all the requirements needed to activate the insurance. There’s a few extra conditions you need to meet so please check the PDS and exclusions in the official St.George travel insurance documents. Safe travels!
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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