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St.George Amplify Signature

Advertiser disclosure

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

Purchase rate
19.74% p.a.
Balance transfer rate
0% p.a. for 6 months and then 21.49% p.a.
Annual fees
$279 $139 in the first year
Interest free days on purchases
55
Go to site
Purchase rate
19.74% p.a.
Balance transfer rate
0% p.a. for 6 months and then 21.49% p.a.
Annual fees
$279
Interest free days on purchases
55

Mozo editorial review St.George Amplify Signature

Last updated: 1 October 2020.

binocular icon
What's hot
  • Up to 200,000 bonus Amplify points (conditions apply)
  • 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 icon
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 19.74% interest rate and a $279 annual fee, although that's reduced to $139 in the first year for the Amplify Rewards option. 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. Not to mention, you can score 130,000 bonus Amplify Points in the first year, plus a further 70,000 in the second year when you spend at least $12,000 on eligible purchases each year. Just keep in mind that this offer ends 9 February 2021. 

With Qantas Frequent Flyer option, on the other hand, you’ll only earn 0.75 points per $1. However, the tradeoff is that those points will be credited directly into your Qantas Frequent Flyer program to make redeeming them that much easier. There's also a whopping 90,000 bonus Qantas Points offer, so long as you spend $6,000 on eligible purchases within the first 90 day 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 a 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!

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Who is it good for

Whether you opt to earn Amplify Rewards Points of Qantas Frequent Flyer points, 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'll use the rewards program enough to justify the ongoing annual fee will get the most value from this piece of plastic.

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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 that there is a $279 annual fee after the first year and a 19.74% p.a. purchase rate - so remember to put a plan in place 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 2 December 2020. 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

212,000 points

Fly Sydney to Melbourne one-way

-

$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 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 130,000 bonus Amplify Points in year 1 plus a further 70,000 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 $141,333 (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
  • 19.74% p.a.

  • none

  • 0% p.a. for 6 months and then 21.49% p.a.

  • yes

  • 21.49% p.a.

  • 55

Fees
  • $279.00

  • $139 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

Apple Pay, Google Pay, PayID, 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 2 December 2020. 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

110,400 points

Fly Sydney to Melbourne one-way

8,000 points

$100 Giftcard

18,770 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 90,000 bonus Qantas Points when you spend $6,000 within the first 90 days

Value of rewards points

Spend $25,027 (Visa)

Spend $10,667 (Visa)

Spend $147,200 (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
  • 19.74% p.a.

  • none

  • 0% p.a. for 6 months and then 21.49% p.a.

  • yes

  • 21.49% p.a.

  • 55

Fees
  • $279.00

  • none

  • 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

Apple Pay, Google Pay, PayID, 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
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 8/10
    I get great customer service at local branch.

    Being a gold customer you get prompt on line service.

    Read full review

    Being a gold customer you get prompt on line service.

    Price
    -1/10
    Features
    7/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    8/10
    Less
    Diane, New South Wales reviewed 12 months ago
  • Overall 5/10
    Terrible customer service when card lost overseas.

    Generally, it’s okay. I had big problems with customer service when I lost my card overseas. The advice I was given was completely incorrect and caused major problems.

    Read full review

    Generally, it’s okay. I had big problems with customer service when I lost my card overseas. The advice I was given was completely incorrect and caused major problems.

    Price
    5/10
    Features
    7/10
    Customer service
    0/10
    Convenience
    7/10
    Trust
    3/10
    Less
    Jacqui, New South Wales reviewed almost 1 year ago
  • Overall 10/10
    Trustworthy, reliable bank

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

    Read full review

    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
    Less
    Bob, New South Wales reviewed about 2 years 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 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.

    Read 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
    -
    Customer service
    -
    Convenience
    -
    Trust
    -
    Less
    Simon, New South Wales reviewed over 3 years ago
  • Overall 8/10
    Very good rates.

    Very helpful setting up all my banking needs.

    Read 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, Australian Capital Territory reviewed about 5 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

St.George

St.George

Vertigo Platinum

12.99% p.a.

6.99% p.a. for 12 months and then 21.49% p.a.

$99

St.George

St.George

Vertigo

13.99% p.a.

0% p.a. for 24 months and then 21.49% p.a.

$55 $0 in the first year

St.George

St.George

No Annual Fee

20.74% p.a.

0% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)

$0

St.George

St.George

Amplify Platinum

0% p.a. for 7 months then 19.74% p.a.

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$99 $0 in the first year

Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

Bendigo Bank

Bendigo Bank

Low Rate Credit Card

0% p.a. for 15 months then 11.99% p.a.

No current offer

$45

St.George

St.George

Vertigo

13.99% p.a.

0% p.a. for 24 months and then 21.49% p.a.

$55 $0 in the first year

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$49 $0 in the first year

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Defence Bank

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

CUA

CUA

Platinum Credit Card

19.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$149 $0 in the first year

CUA Platinum Rewards

American Express

American Express

Qantas Discovery Card

20.74% p.a.

No current offer

$0

Qantas Frequent Flyer

American Express

American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

Bankwest

Bankwest

Qantas Platinum Mastercard

Qantas Frequent Flyer

$160

30,000

0.75 points up to $2,500/month, then
0.3 points uncapped

St.George

St.George

Amplify Platinum

Qantas Frequent Flyer

$99

70,000

0.5 points uncapped

Suncorp

Suncorp

Clear Options Platinum

Suncorp Rewards

$129

100,000

1.25 points uncapped

Bank of Melbourne

Bank of Melbourne

Amplify Platinum

Amplify Rewards

$99 $0 in the first year

No current offer

1 point uncapped

American Express

American Express

Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

BankSA

BankSA

Amplify Platinum

Qantas Frequent Flyer

$99

70,000

0.5 points uncapped

NAB

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

Westpac

Westpac

Low Rate

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

13.74% p.a.

$59

St.George

St.George

Vertigo

0% p.a. for 24 months and then 21.49% p.a.

13.99% p.a.

$55 $0 in the first year

CUA

CUA

Low Rate Credit Card

0% p.a. for 20 months and then 21.74% p.a.

11.99% p.a.

$49 $0 in the first year

ANZ

ANZ

First

0% p.a. for 18 months and then 20.24% p.a. (2.00% balance transfer fee)

20.24% p.a.

$30

Bank of Melbourne

Bank of Melbourne

Vertigo

0% p.a. for 24 months and then 21.49% p.a.

13.99% p.a.

$55 $0 in the first year

Bankwest

Bankwest

Zero Platinum Mastercard

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

17.99% p.a.

$0

Bank of Melbourne

Bank of Melbourne

Amplify Platinum

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

0% p.a. for 7 months then 19.74% p.a.

$99 $0 in the first year

Amplify Rewards

BankSA

BankSA

Vertigo

0% p.a. for 24 months and then 21.49% p.a.

13.99% p.a.

$55 $0 in the first year

St.George

St.George

Vertigo

13.99% p.a.

0% p.a. for 24 months and then 21.49% p.a.

$55 $0 in the first year

Defence Bank

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

Bendigo Bank

Bendigo Bank

Low Rate Credit Card

0% p.a. for 15 months then 11.99% p.a.

No current offer

$45

Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$49 $0 in the first year

NAB

NAB

Low Rate Card

12.99% p.a.

0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)

$59

Bank of Melbourne

Bank of Melbourne

Vertigo Platinum

12.99% p.a.

6.99% p.a. for 12 months and then 21.49% p.a.

$99

Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

Bendigo Bank

Bendigo Bank

Low Rate Credit Card

0% p.a. for 15 months then 11.99% p.a.

No current offer

$45

St.George

St.George

Vertigo

13.99% p.a.

0% p.a. for 24 months and then 21.49% p.a.

$55 $0 in the first year

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$49 $0 in the first year

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Defence Bank

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

ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)

$58 $0 in the first year

St.George

St.George

Vertigo Platinum

12.99% p.a.

6.99% p.a. for 12 months and then 21.49% p.a.

$99