The details shown below are for a card with Amplify Rewards
The details shown below are for a card with Qantas Frequent Flyer
Choose the version of this credit card that suits you best
| Name | Rewards program | |
|---|---|---|
| | Amplify Classic (Amplify Rewards) | Amplify Rewards |
| | Amplify Classic (Qantas Frequent Flyer) | Qantas Frequent Flyer |
Amplify Classic (Amplify Rewards)
Rewards: Amplify Rewards
Amplify Classic (Qantas Frequent Flyer)
Rewards: Qantas Frequent Flyer
If you’re after a rewards credit card, why not pick up the St.George Amplify Classic Credit Card? With this reward card, you’ll have a 19.74% p.a. purchase rate and a 21.49% p.a. cash advance rate. And what’s a reward card without a few perks? The Amplify Classic Card has two different rewards schemes: the Qantas Frequent Flyer program for avid travellers or Amplify Rewards for spenders who want a little more flexibility in redemption options.
The St.George Amplify Classic Credit Card is a rewards card that has loads of perks without any over the top fees. This card comes with two rewards options depending on the kind of freebies you’re after. By opting for the Qantas Frequent Flyer rewards scheme, your points will be credited to the Qantas Frequent Flyer program.
By going with the Amplify Rewards scheme, on the other hand, your points can be transferred into various airline programs, gift and shopping cards or other retail rewards. Not to mention, you’ll also be able to score flights via Enrich or KrisFlyer airline programs with the Amplify Rewards program.
One of the main differences between the two options are the points you’ll earn per dollar spent. With the Qantas Frequent Flyer card, you’ll earn 0.5 points per dollar spent on Visa, uncapped. With the Amplify Rewards option, however, and 1 point per dollar on Visa uncapped. All points on both cards never expire.
This reward card offers a 19.74% p.a. purchase rate with a 21.49% p.a. cash advance rate and up to 55 interest-free days. You’ll pay a 2% cash advance fee on each amount you’ve withdrawn, as well as the interest you’ll be charged, so it’s wise to avoid withdrawing cash from ATMs with this card.
There is a $79 annual fee to budget for, but given the rewards on offer, this is a pretty manageable cost when compared to other rewards cards.
The St.George Amplify Classic Credit Card could be a great option for travel lovers and shopaholic who are after a card with great value in terms of points and rewards that's also easy on the wallet when it comes to fees.
If you opt for the Qantas Frequent Flyer option and plan on using the Amplify Classic Credit Card for redeeming points to travel, keep in mind that you'll need to be a member of the Qantas Frequent Flyer or relevant airline program. The cost of membership is not included in the card’s cost, so you'll need to budget for this fee.
Fly Sydney to London return
212,000 points
Fly Sydney to Melbourne one-way
15,600 points
$100 Giftcard
22,200 points
$100 Cash
18,000 points
1 point per dollar on Visa, uncapped
Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.
You can get flights via Enrich or KrisFlyer programs.
Spend $18,182 (Visa)
Spend $22,200 (Visa)
Spend $15,600 (Visa)
Spend $212,000 (Visa)
Uncapped
Never
How do we calculate these points?
To work out the "Rewards value minus fees" in our Rewards Revealer we:
calculate how many points you'd get each year,
figure out how many flights or gift cards or cashback credits you could get for those points,
work out what that's actually worth to you,
take off the annual fee you'd pay.
More details:
Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
Shopping rewards are based on $100 gift cards from a major national department store.
We make every effort to ensure our calculations are correct and up to date but make no guarantees.
19.74% p.a.
none
6.99% p.a. for 12 months and then 21.49% p.a.
yes
21.49% p.a.
55
$79.00
none
none
none
$15.00
2%, Min $2.50
3.00%
$0.00
$10.50
$0.00
$10.00
2.0
1
none
Apple Pay, Google Pay, PayID, Samsung Pay
Fly Sydney to London return
110,400 points
Fly Sydney to Melbourne one-way
8,000 points
$100 Giftcard
19,730 points
$100 Cash
-
0.5 points per dollar on Visa, uncapped
Points are automatically credited to the Qantas Frequent Flyer program.
All rewards are redeemed via Qantas Frequent Flyer.
Spend $39,460 (Visa)
Spend $16,000 (Visa)
Spend $220,800 (Visa)
Uncapped
Never
How do we calculate these points?
To work out the "Rewards value minus fees" in our Rewards Revealer we:
calculate how many points you'd get each year,
figure out how many flights or gift cards or cashback credits you could get for those points,
work out what that's actually worth to you,
take off the annual fee you'd pay.
More details:
Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
Shopping rewards are based on $100 gift cards from a major national department store.
We make every effort to ensure our calculations are correct and up to date but make no guarantees.
19.74% p.a.
none
6.99% p.a. for 12 months and then 21.49% p.a.
yes
21.49% p.a.
55
$79.00
none
none
none
$15.00
2%, Min $2.50
3.00%
$0.00
$10.50
$0.00
$10.00
2.0
1
none
Apple Pay, Google Pay, PayID, Samsung Pay
I've always been a customer of St. George Bank. As a bank, they have always provided great service to me, and the bank fees have always been very minimal.
Read full reviewI've always been a customer of St. George Bank. As a bank, they have always provided great service to me, and the bank fees have always been very minimal.
Great app and online banking platform but customer service in branches could be improved.
Read full reviewGreat app and online banking platform but customer service in branches could be improved.
I love this bank. I have never had a problem with them. When I've had concerns or questions, the staff have treated me with dignity and provided all the help and information that I needed.
Read full reviewI love this bank. I have never had a problem with them. When I've had concerns or questions, the staff have treated me with dignity and provided all the help and information that I needed.
Took 20 days to get money back after incorrectly debiting my account.
Read full reviewTook 20 days to get money back after incorrectly debiting my account.
Easy to set up. No fuss with paperwork. Excellent interest comparison. Thanks
Read full reviewEasy to set up. No fuss with paperwork. Excellent interest comparison. Thanks
St.George is Australia's fifth largest bank and has merged with Westpac to create a banking mega force. St.George offers a wide range of products aimed at business and corporate customers. St.George still have a customer focused team who tailor products to suit its customers needs. So if you want a bank that's good with people and good with money too, check out the St George range of credit cards, bank accounts, savings accounts, home loans and personal loans.
St.George
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
6.99% p.a. for 12 months and then 21.49% p.a.
$0
St.George
Amplify Platinum
19.74% p.a.
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
$99
St.George
Amplify Signature
19.74% p.a.
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
$279
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
MoneyMe
Freestyle Virtual Mastercard
16.99% p.a.
No current offer
$209 Annual fee may vary.
American Express
Qantas Discovery Card
20.74% p.a.
No current offer
$0
Qantas Frequent Flyer
American Express
Cashback Credit Card
Cashback Rewards
$120
No current offer
1 point uncapped
Westpac
Altitude Platinum
Altitude Rewards
$150 $99 in the first year
80,000
1 point uncapped
American Express
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
NAB
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
110,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
American Express
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
NAB
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250
30,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Bendigo Bank
Low Rate Credit Card
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
11.99% p.a.
$45
Westpac
Low Rate
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59 $0 in the first year
St.George
Amplify Platinum
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
19.74% p.a.
$99
Amplify Rewards
NAB
Low Rate Card
0% p.a. for 26 months and then 21.74% p.a. (2.00% balance transfer fee)
12.99% p.a.
$59 $0 in the first year
Bank of Melbourne
Amplify Platinum
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
19.74% p.a.
$99
Qantas Frequent Flyer
St.George
Amplify Signature
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
19.74% p.a.
$279
Amplify Rewards
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 26 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
MoneyMe
Freestyle Virtual Mastercard
16.99% p.a.
No current offer
$209 Annual fee may vary.
St.George
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
6.99% p.a. for 12 months and then 21.49% p.a.
$0
