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.
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.