St.George Amplify Signature

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

  • Amplify Signature (Amplify Rewards)

    Rewards: Amplify Rewards

  • Amplify Signature (Qantas Frequent Flyer)

    Rewards: Qantas Frequent Flyer

19.49% p.a.

0% p.a. for 6 months and then 19.49% p.a.

$279 $179 in the first year

Amplify Rewards

St.George Amplify Signature

19.49% p.a.

0% p.a. for 6 months and then 19.49% p.a.

$279 $179 in the first year

Amplify Rewards

19.49% p.a.

0% p.a. for 6 months and then 19.49% p.a.

$279 $179 in the first year

Qantas Frequent Flyer

St.George Amplify Signature

19.49% p.a.

0% p.a. for 6 months and then 19.49% p.a.

$279 $179 in the first year

Qantas Frequent Flyer

Mozo Review   St.George Amplify Signature Review

Last updated: 4 January 2019.

What's hot:
  • 100,000 Amplify bonus points or 80,000 bonus Qantas points (min spend applies)

  • Complimentary extras like 24/7 concierge service, travel insurance and extended warranty

  • $179 annual fee in the first year ($279 after)

What's not:
  • 3.00% foreign exchange margin

Mozo snapshot:

Rewards lovers at home and abroad will be able to get excellent value from this piece of premium plastic by choosing either the Amplify Rewards or Qantas option. With generous bonus points plus perks like complimentary travel insurance and a 24/7 concierge service, the Amplify Signature card is a great option for money-savvy freebie chasers.

Key features:

There’s a lot to love with The St.George Amplify Signature card. As far as rewards go, there are two options to choose from - a Qantas card for avid travellers, and an Amplify Rewards option for more general rewards lovers.

Both options come with a 19.49% interest rate and a $279 annual fee, although that's reduced to $179 in the first year. Other fees to be aware of include a 3.00% foreign exchange margin and a $15 late payment fee.

One of the main differences between the two is how many points you’ll earn per $1 spent. Opt for the Amplify Rewards card, and you’ll bag 1.5 points for every $1 spent, but choose the Qantas version, and you’ll only earn 0.75 points per $1. The tradeoff is that those points are credited directly to your Qantas Frequent Flyer program to make redeeming them easier.

You can bag 100,000 bonus Amplify points or 80,000 Qantas points when you spend $4,000 within 90 days of approval. Both options also come with a tonne of points earning power and great freebies, including:

  • Uncapped points earning and no expiry date for points, so you can stack them up for as long as you like.

  • Earn double points on overseas purchases (including from international merchants online.)

  • On your Birthday, you’ll receive 10% of the points you earned in the previous year as bonus points.

  • 2 complimentary airport lounge passes each year you hold the card.

  • A range of complimentary insurance covers, including international travel insurance, extended warranty, purchase protection and guaranteed pricing.

  • When travelling with this card in your wallet, you’ll also become an member of Visa Luxury Hotel Collection, which means you can score 3pm checkouts at over 900 hotels, complimentary continental breakfasts and hotel room upgrades.

That’s a lot of value packed into one little credit card!

Who it's good for:

There are plenty of perks to tempt rewards lovers of all kinds here, but frequent travellers who love to fly Qantas will really come out on top, thanks to all the travel friendly rewards on offer. It’s also a good option for anyone addicted to shopping online with international retailers, who will pay their bill off in full each month.

As with most rewards credit cards, big spenders who will use the rewards program enough to justify the ongoing annual fee will get the most value from this piece of plastic.

Any catches?

If you’re using this card overseas or for online shopping, be mindful of the 3.00% foreign exchange margin.

Keep in mind the $279 annual fee after the first year and 19.49% interest rate - so put in place a plan to fit the fee into your budget, and pay off your balance each month to avoid interest charges.

Rewards program details

Rates and fees information correct as at 20 March 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
What your points get you

Fly Sydney to London return

239,200 points

Fly Sydney to Melbourne one-way

15,600 points

$100 Giftcard

22,200 points

$100 Cash

18,000 points

Points earning

1.5 points per dollar on Visa, uncapped

Rewards scheme

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 Velocity, Enrich or Krisflyer programs.

10% points bonus on total points earned in previous year on birthday of cardholder.

Two Priority Pass Lounge visits per year.

Special offers

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.

Value of rewards points

Spend $12,121 (Visa)

Spend $14,800 (Visa)

Spend $10,400 (Visa)

Spend $159,467 (Visa)

Uncapped

Never

How do we calculate the rewards?

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.

Close

Rate and fee details

Rates
  • 19.49% p.a.

  • none

  • 0% p.a. for 6 months and then 19.49% p.a.

  • none

  • 20.24% p.a.

  • 55

Fees
  • $279.00

  • $179 in the first 1 year

  • none

  • none

  • $15.00

  • 2%, Min $2.50

  • 3.00%

  • $2.00

  • $10.50

  • $0.00

Features
  • $10.00

  • 2.0

  • 1

  • none

Payment options

Google Pay, Samsung Pay

Rewards privileges

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection,
Guaranteed Pricing,
Rental Car Excess Cover

Rewards program details

Rates and fees information correct as at 20 March 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
What your points get you

Fly Sydney to London return

120,000 points

Fly Sydney to Melbourne one-way

8,000 points

$100 Giftcard

17,120 points

$100 Cash

-

Points earning

0.75 points per dollar on Visa, uncapped

Rewards scheme

Points are automatically credited to the Qantas Frequent Flyer program.

All rewards are redeemed via Qantas Frequent Flyer.

10% points bonus on total points earned in previous year on birthday of cardholder.

Two complimentary annual Qantas Club Lounge Invitations.

Special offers

Receive 80,000 bonus Qantas Points when you spend $4,000 within the first 90 days

Value of rewards points

Spend $22,827 (Visa)

Spend $10,667 (Visa)

Spend $160,000 (Visa)

Uncapped

Never

How do we calculate the rewards?

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.

Close

Rate and fee details

Rates
  • 19.49% p.a.

  • none

  • 0% p.a. for 6 months and then 19.49% p.a.

  • none

  • 20.24% p.a.

  • 55

Fees
  • $279.00

  • $179 in the first 1 year

  • none

  • none

  • $15.00

  • 2%, Min $2.50

  • 3.00%

  • $2.00

  • $10.50

  • $0.00

Features
  • $10.00

  • 2.0

  • 1

  • none

Payment options

Google Pay, Samsung Pay

Rewards privileges

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection,
Guaranteed Pricing,
Rental Car Excess Cover

Customer Reviews

How are St.George credit cards rated by the Mozo community?

Overall customer rating
6.8/10
Price
6.2/10
Features
5.3/10
Customer service
6.9/10
Convenience
7.4/10
Trust
7.1/10

Latest reviews of St.George Amplify Signature

  • Overall
    10/10
    Trustworthy, reliable bank

    I like this bank because it is easy to join, has friendly service, has good rewards program and...

    I like this bank because it is easy to join, has friendly service, has good rewards program and are trustworthy.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Robert | New South Wales

    reviewed 6 months ago

  • Overall
    8/10
    Terrific customer service and staff attitude

    After moving from Adelaide, we had to find a new banking resource. We checked out St. Greorge...

    After moving from Adelaide, we had to find a new banking resource. We checked out St. Greorge because they are affiliated with our old, BankSA but we were quite prepared to change banks if necessary. The staff at St. George Market Place in Leichhardt were exceptional and led us through the entire process, recommending upgraded products where appropriate. They demonstrated a real interest in and empathy for us, and this has been our on-going experience over our first year in Sydney.

    Price
    8/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -

    Simon | New South Wales

    reviewed almost 2 years ago

  • Overall
    8/10
    Very good rates.

    Very helpful setting up all my banking needs.

    Very helpful setting up all my banking needs.

    Price
    8/10
    Features
    8/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    8/10

    Helen | Australian Capital Territory

    reviewed over 3 years ago

  • Overall
    10/10
    One stop shop. Great customer service

    St George Bank is the friendly bank, staff are well trained and want to pay attention to your...

    St George Bank is the friendly bank, staff are well trained and want to pay attention to your needs, some times you may think you need a particular product but they will show you a better offer that may suit you giving you the pros and cons, of both items but they let you decide in the end which one you will take.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Cathy | New South Wales

    reviewed almost 4 years ago

  • Overall
    8/10
    Suits our needs

    As good as any

    As good as any

    Price
    7/10
    Features
    7/10
    Customer service
    8/10
    Convenience
    10/10
    Trust
    9/10

    Melissa | New South Wales

    reviewed about 4 years ago

St.George

About St.George

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.

See St.George credit cards

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Qantas Money

Qantas Premier Platinum

0% p.a. for 18 months and then 21.99% p.a.

19.99% p.a.

$299 $149 in the first year

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28 Degrees

Platinum Mastercard

No current offer

21.99% p.a.

$0

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Everyday Platinum Credit Card

0% p.a. for 14 months and then 21.99% p.a.

19.99% p.a.

$49 $0 in the first year

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Citi

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Platinum (Balance Transfer Offer)

0% p.a. for 26 months and then 21.74% p.a. (1.50% balance transfer fee)

20.99% p.a.

$199 $0 in the first year

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Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 6 months and then 20.99% p.a.

0% p.a. for 14 months then 20.74% p.a.

$129 $64 in the first year

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Bankwest

Bankwest

Zero Platinum Mastercard

2.99% p.a. for 9 months and then 17.99% p.a.

17.99% p.a.

$0

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HSBC

HSBC

Platinum Credit Card

0% p.a. for 22 months and then 21.99% p.a.

19.99% p.a.

$129 Refunded when you spend over $6,000 p.a

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ANZ

ANZ

Frequent Flyer Black

No current offer

19.99% p.a.

$425

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Qantas Money

Qantas Money

Qantas Premier Platinum

1 point per dollar on Mastercard, up to $10,000 per month, then
0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

$299 $149 in the first year

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Woolworths

Woolworths

Everyday Platinum Credit Card

1 point per dollar on Visa, uncapped

19.99% p.a.

$49 $0 in the first year

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Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0.66 points per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped

20.74% p.a.

$129 $64 in the first year

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HSBC

HSBC

Platinum Credit Card

1 point per dollar on Visa, uncapped

19.99% p.a.

$129 Refunded when you spend over $6,000 p.a

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Citi

Citi

Platinum (Balance Transfer Offer)

1 point per dollar on Visa, up to $10,000 per month

20.99% p.a.

$199 $0 in the first year

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American Express

American Express

Qantas Ultimate Card

1.25 points per dollar on Amex, uncapped

20.74% p.a.

$450

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ANZ

ANZ

Frequent Flyer Black

1 point per dollar on Visa, up to $7,500 per month, then
0.5 points per dollar on Visa, uncapped

19.99% p.a.

$425

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HSBC

HSBC

Platinum Qantas Credit Card

1 point per dollar on Visa, up to 2500 points per month, then
0.5 points per dollar on Visa, up to 7500 points per month

19.99% p.a.

$79 $0 in the first year

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Qantas Money

Qantas Money

Qantas Premier Platinum

0% p.a. for 18 months and then 21.99% p.a.

$299 $149 in the first year

19.99% p.a.

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Woolworths

Woolworths

Everyday Platinum Credit Card

0% p.a. for 14 months and then 21.99% p.a.

$49 $0 in the first year

19.99% p.a.

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Citi

Citi

Platinum (Balance Transfer Offer)

0% p.a. for 26 months and then 21.74% p.a. (1.50% balance transfer fee)

$199 $0 in the first year

20.99% p.a.

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Bankwest

Bankwest

Zero Platinum Mastercard

2.99% p.a. for 9 months and then 17.99% p.a.

$0

17.99% p.a.

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ANZ

ANZ

Low Rate

0% p.a. for 15 months and then 21.74% p.a.

$58

12.49% p.a.

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HSBC

HSBC

Platinum Credit Card

0% p.a. for 22 months and then 21.99% p.a.

$129 Refunded when you spend over $6,000 p.a

19.99% p.a.

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Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year

0% p.a. for 14 months then 20.74% p.a.

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Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)

$99 $0 in the first year

0% p.a. for 6 months then 12.99% p.a.

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Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 6 months then 12.99% p.a.

$99 $0 in the first year

0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)

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NAB

NAB

Low Rate Card

0% p.a. for 6 months then 13.99% p.a.

$59

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

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ANZ

ANZ

Low Rate

12.49% p.a.

$58

0% p.a. for 15 months and then 21.74% p.a.

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Citi

Citi

Clear Platinum

12.99% p.a.

$99 $0 in the first year

0% p.a. for 14 months and then 21.74% p.a.

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Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 6 months then 12.99% p.a.

$79 $0 in the first year

0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)

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Coles

Coles

Low Rate Mastercard

12.99% p.a.

$58

0% p.a. for 6 months and then 19.99% p.a.

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Latitude

Latitude

Low Rate Mastercard

11.99% p.a.

$69

No current offer

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Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 14 months then 20.74% p.a.

0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year

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Bankwest

Bankwest

Zero Platinum Mastercard

17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

$0

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ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 15 months and then 21.74% p.a.

$58

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Bankwest

Bankwest

Breeze Platinum Mastercard

0% p.a. for 6 months then 12.99% p.a.

0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)

$99 $0 in the first year

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NAB

NAB

Low Rate Card

0% p.a. for 6 months then 13.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$59

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Citi

Citi

Clear Platinum

12.99% p.a.

0% p.a. for 14 months and then 21.74% p.a.

$99 $0 in the first year

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Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 6 months then 12.99% p.a.

0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)

$79 $0 in the first year

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Coles

Coles

Low Rate Mastercard

12.99% p.a.

0% p.a. for 6 months and then 19.99% p.a.

$58