St.George Amplify Signature

19.49% p.a.

No current offer

$279

19.49% p.a.

No current offer

$279

St.George Amplify Signature Review

Rates and fees information correct as at 24 April 2018.

Review published: 19 April 2017

What's hot:

  • 90,000 Amplify or Qantas bonus points (min spend applies)

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

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 this rewards credit card. The St.George Amplify Signature card comes with a 19.49% interest rate on remaining balances and a $279 annual fee. Other fees to be aware of include a 3.00% foreign exchange margin and a $15 late payment fee.

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.

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 90,000 bonus Amplify or 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 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.

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

Product Type Overall Rating Price Features Service Convenience Trust
7.0

Based on 330
St.George credit cards reviews

6.3 6.0 7.0 7.4 7.1

Read St.George credit card reviews by the Mozo community

Latest reviews of St.George Amplify Signature

St.George

St.George Amplify Signature (Amplify Rewards) credit card review

Overall rating   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 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...

Full review

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   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

Less

Simon (NSW), reviewed about 1 year ago

St.George

St.George Amplify Signature (Amplify Rewards) credit card review

Overall rating   8 / 10

Very good rates.

Very helpful setting up all my banking needs.

Full review

Very helpful setting up all my banking needs.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Helen (ACT), reviewed over 2 years ago

St.George

St.George Amplify Signature (Amplify Rewards) credit card review

Overall rating   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 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...

Full review

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

Less

Cathy (NSW), reviewed almost 3 years ago

St.George

St.George Amplify Signature (Amplify Rewards) credit card review

Overall rating   0 / 10

Abysmal attitude and service

The Bank don't care about you - they only care about their profits. They don't care if you are having a tough few months - they just don't write, call - they just leave you to your own devices. I complained about the abysmal service and they...

Full review

The Bank don't care about you - they only care about their profits. They don't care if you are having a tough few months - they just don't write, call - they just leave you to your own devices. I complained about the abysmal service and they just said, it my fault. I ask them to re-instate it the card, but all I get is objections. Their call centre is just as rude and insufferable and keep talking over you. I don't need their assistance or sympathy - but do they know the pressure is off and I am a good client again. They persist in calling me by my first name - no title.

    Price   0 / 10

    Features   2 / 10

    Customer service   0 / 10

    Convenience   5 / 10

    Trust   0 / 10

Less

Max (NSW), reviewed over 3 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Currently showing

Revealing rewards

How do we do it?

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.

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.

Privileges

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

Special offers

  • Receive 90,000 bonus Amplify Points when you spend $4,000 within the first 90 days

Value of rewards points

  • Need to spend $12,121 (Visa)

  • Need to spend $14,800 (Visa)

  • Need to spend $10,400 (Visa)

  • Need to spend $159,467 (Visa)

  • Uncapped

  • Never

Details behind our 'value of rewards' calculations

  • 1.5 points per dollar on Visa, uncapped

  • 18000 points buys a Amplify $99 annual fee

  • 22200 points buys a Myer $100 Gift Card

  • 1 points buys 0.5 Velocity Points; 7800 Velocity Points buys a Virgin Australia Sydney-Melbourne flight

  • 1 points buys 0.5 Velocity Points; 119600 Velocity Points buys a Velocity partner Sydney-London flight

* How did we do it? Find out...

Rates

  • 19.49% p.a.

  • none

  • No current offer

  • none

  • 20.24% p.a.

  • 55

Fees

  • $279.00

  • none

  • none

  • none

  • $15.00

  • 2%, Min $2.50

  • 3.00%

  • $7.50

  • $10.50

  • $0.00

Other financial bits

  • $10.00

  • 2.0

Features

  • 1

  • none

  • none

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.

Privileges

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

Special offers

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

Value of rewards points

  • Need to spend $21,547 (Visa)

  • Need to spend $10,667 (Visa)

  • Need to spend $160,000 (Visa)

  • Uncapped

  • Never

Details behind our 'value of rewards' calculations

  • 0.75 points per dollar on Visa, uncapped

  • 16160 points buys a Myer $100 Gift Card

  • 8000 points buys a Qantas Sydney-Melbourne flight

  • 120000 points buys a Qantas Sydney-London flight

* How did we do it? Find out...

Rates

  • 19.49% p.a.

  • none

  • No current offer

  • none

  • 20.24% p.a.

  • 55

Fees

  • $279.00

  • none

  • none

  • none

  • $15.00

  • 2%, Min $2.50

  • 3.00%

  • $7.50

  • $10.50

  • $0.00

Other financial bits

  • $10.00

  • 2.0

Features

  • 1

  • none

  • none

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.

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

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