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Up to 200,000 Amplify Rewards Points plus a reduced first-year annual fee with the St.George Amplify Rewards Signature Credit Card
Card Overview
St.George is offering up to 200,000 Amplify Rewards Points (equivalent to 100,000 Velocity Points or up to $900 in eGift cards) plus a reduced first-year annual fee for new cardholders of the Amplify Rewards Signature Card. Includes two complimentary airport lounge passes, complimentary insurances and access to Visa Luxury Hotels program.
Key Attributes
Up to 200,000 Amplify Rewards Points, receive 100,000 bonus points when you spend a minimum of $12,000 on eligible purchases within the first 12 months from new card approval and an additional 100,000 bonus points if you keep your account open for more than 12 months and spend another $12,000 on eligible purchases on your second year.
2x Priority Pass invitations per cardholder year
Overseas Travel Insurance, Extended Warranty Insurance and Price Guarantee
Access to Visa Luxury Hotels program
Apple Pay, Google Pay & Samsung Pay support
3 Amplify Points per $1 on international spend, 2 Amplify Points per $1 on everyday spend, and 1 Amplify Points per $1 on all other eligible spend up to $10,000 per statement period. Then 0.5 Points per $1 thereafter, uncapped
Annual Fee: $199 in the first year, $295 p.a. ongoing
St.George is offering up to 200,000 Amplify Rewards Points (equivalent to 100,000 Velocity Points or up to $900 in eGift cards) plus a reduced first-year annual fee of $199 for new cardholders who apply for the Amplify Rewards Signature Visa Card variant.
The bonus points are spread over 2 years with 100,000 Amplify points to be credited after spending a mininum of $12,000 on eligible purchases within 12 months from new card approval and additional 100,000 bonus Amplify Points with $12,000 spend on eligible purchases in year 2.
The Amplify family includes cards offered by St.George, Bank of Melbourne and BankSA and they continue to offer decent points earn rates from your day-to-day spend. This guide covers the different earn rates, caps and benefits of the St.George Amplify Rewards Signature Visa.
Since Amplify Rewards points are transferable to Velocity Frequent Flyer on a 2:1 basis and KrisFlyer on a 3:1 basis. This means that the current bonus of up to 200,000 Amplify Points bonus is equivalent to 100,000 points when transferred to Velocity Frequent Flyer and 66,000 miles when transferred to KrisFlyer.
Digging into the details of the St.George Amplify Rewards Signature
The St.George Amplify Rewards Signature offers 3 Amplify Points per $1 on international spend, 2 Points per $1 on everyday spend, and 1 Point per $1 on all other eligible spend, up to $10,000 per statement period. Then 0.5 Amplify Points per $1 thereafter, uncapped.
The card is worth considering for the relatively high flexible points program earn rate outside of American Express.
The additional benefits of the Amplify Signature credit card include two single entry Priority Pass lounge passes, insurances and access to Visa Luxury Hotels booking service.
Card Details
Card
St.George Amplify Rewards Signature Visa
Loyalty program
Amplify Rewards
Points earned from spend
3 Amplify Points per $1 on international spend
2 Amplify points per $1 at major supermarkets, department stores, petrol, dining, utilities
1 Amplify Point on all other eligible spend
Points cap
$10,000 per statement period then 0.5 Amplify Points per $1 thereafter, uncapped
Travel benefits
2 x Priority Pass invitations
Access to the Visa Luxury Hotels program
Included insurances
Amplify Signature Travel Service, international travel insurance, purchase security insurance, extended warranty cover plus more (PDS)
Overseas transaction fee
3% of the converted amount
Mobile wallet
Apple Pay, Google Pay and Samsung Pay
Card fee
$295 p.a. ongoing
Effective Frequent Flyer Program Point Earn Rates
Frequent Flyer Program
International Spend
Everyday Spend
Other Eligible Spend
Velocity Points
1.5 point / $
1 points / $
0.5 point / $
Singapore Airlines KrisFlyer miles
1 mile / $
0.66 miles / $
0.33 mile / $
Amplify Rewards vs Qantas Points
The St.George Amplify Signature Visa is also available in a Qantas Rewards variant, that earns up to 0.8 Qantas Points per $1 on spend. Otherwise, earn rate is up to 3 Amplify Rewards Points per $1 on eligible purchases on the Amplify Rewards variant.
We cover the details of the Amplify Rewards and its frequent flyer transfer partners in a separate guide here.
Lounge Access
You’re also offered two complimentary single-entry lounge passes each year and for the Amplify Rewards variant, you’ll receive a taste of Priority Pass membership.
Other Benefits
The Amplify Signature Visa comes with access to the Visa Luxury Hotels program, which offers:
Best available rate guarantee
Automatic room upgrade upon arrival (when available)
3pm check-out (when available) at over 900 luxury hotels
Free in-room Internet
Complimentary continental breakfast
VIP Guest status
US$25 food or beverage voucher
You can check out the available deals at participating hotels at visaluxuryhotels.com—the program may be of use to you, or it may not, depending on the hotel you’re looking into.
You’ll also get access to the Amplify Signature Travel Service, which is a dedicated phone service with Travel consultants available to cardholders, with access to some specific packages. Worth looking it if you’re likely to use it.
And finally, there’s also a range of included insurances:
Complimentary Overseas Travel insurance for up to six months
Complimentary Purchase Cover for up to four months
Extended Warranty Cover for up to twelve months
Transit Accident insurance
Certain medical and hospital expenses overseas—unlimited cover (except emergency dental and bed care patient allowance)
Unexpected cancellation of your travel arrangements and associated expenses—unlimited cover (maximum of AUD $10,000 for a family)
Up to $500 per person for travel delays
Up to $550 per person for loss or damage to travel documents
Up to $20,000 per person for accidental loss or damage to eligible personal property
Up to $5,500 of excess cover for loss or damage of a rental vehicle
As I always say with credit card insurances, only you can decide if they offer value for your circumstances, so make sure you read the PDS for them to decide if they meet your needs. Read the full PDS here for St.George.
This guide references some of the benefits of insurance policies provided with this card. You should read the PDS and obtain independent professional advice before obtaining this product.
St.George Apple Pay, Google Pay & Samsung Pay support
St.George cards support Apple Pay & Google Pay & Samsung Pay, meaning you can use this card on your smartphone for easier payments. Find out more in our guides for each of the compatible services.
Summing Up
The St.George Amplify Rewards Signature Card could be a useful card for those who are looking for a non-Amex card with decent points earn and flexibility in how you use them.
Bonus offers on this card can be hit and miss but when they are good like this offer now, the card is well worth considering. The travel and lounge access perks are also handy extra benefits.
Up to 200,000 Amplify Rewards Points plus a reduced first-year annual fee with the St.George Amplify Rewards Signature Credit Card was last modified: December 18th, 2025 by
Community Comments
Just tried to apply for a St George amplify card. You get part of the way through then it recognised me as a prior customer (at least 3 years ago). This is all well and good but there is no way to find your customer number without calling them. Chatbot didn’t work and was unmonitored. Having to call a contact centre to find a customer number linked to an email address is terrible UX in todays climate. Looks like a one and done situation for me, I will go elsewhere.
Stay Away from Amplify rewards, they have just recently changed their Krisflyer conversion from 2 amplify=1 Krisflyer to 3 amplify = 1 Krisflyer. So unfair on those who had points already with view to convert to krisflyer
Hi Daniel
I have a St George Amplify Signature and it clearly states that the ‘eligible spend’ for purposes of bonus points does not include government payments so I presume it excludes payments to the ATO, state govt and local govt. It makes it rather hard to spend $12,000 once all these entities are excluded. I have an Amex Explorer which I use for grocery shopping but I now leave it at home until I meet my spend for the Amplify bonus. Personally, I prefer the $3,000 spend within three months offers, this one is a bit too protracted for me.
Can the 2 yearly-complimentary Passes be used by the Primary cardholder AND his traveling companion on the same ocassion? Or is it only for the Primary cardholder to use?
It is the latter, as per the T&Cs of the offer below:
“The first two visits within each twelve month membership period are complimentary to the primary Cardholder only, after which every visit would be charged as per the prevailing rates; currently US$27 per person.
hi it still says $0 annual fee on the LHS (find out more and apply) sticky. Could you please change it as it may be misleading when it’s $179 annual fee.
Just checking. Council and Water authority bills will accrue points (as long as not paid via bpay) but do they count towards the bonus points?
Thanks for your help.
Hi Daniel,
I only just saw this article today and tried to apply it but the website is already closed.
Is there any chance I can apply through point hack again with this amazing deal, thanks!
Tingka
It’s a shame you had to use a negative word such as ‘underhanded’ to ask your question. Point Hacks writers go out of their way to ensure that all information provided on this site is accurate and reflects the details of an offer, and this article is no exception.
We specifically chose to use the words ‘up to’ 200,000 points as the bonus points are accrued over 2 years, which is clearly reflected in the article. The first year annual fee is $0, and the full annual fee of $279 is charged in subsequent years.
Note for others interested to apply but wanting to accumulate Qantas Points (instead of Amplify/Velocity):
My intention was to change from the Amplify program default to Qantas before spending my first $1 on it. But ONLY if this switch doesn’t jeopardise my bonus points (100k + 100k).
The support team is bit confused and divided on this one at first (I made 3 separate call enquirers). But each time I politely asked that they check with their supervisor and provide a definite response I can contractually rely on (since the T&C were silent on this as far as I could tell).
They agree in the end that
1. Any points accumulated on Amplify prior to switch to Qantas is forgone (doesn’t apply to me)
The bonus is still available on the new program assuming I meet the criteria ($12k in 12 months)
Happy to hear from anyone with contradicting (or corroborating) advice received. I’m still a bit doubtful if I have mucked up my eligibility to the bonus by adding this layer of complexity :p
If I activate my Priority Pass Membership now (Feb) and then cancel my St George Signature card, will I be able to use the complementary Lounge Pass in September?
Thank you!
Another question – this one is more general though – if I actually get this card and I travel during the first 3 months, can I use the complimentary lounge passes? Or do I need to wait until spending $4k for 3 months?
Have you heard back about the $279 fee and whether you still have to pay it if you withdraw your membership prior to 12 months from the date of purchase?
I have applied for the card and one thing that is VERY obvious is that you need to be a pre-existing St George customer in order to be eligible for this card (this is because my friend and I applied, we are both on the same salary and basically the same overall circumstances but she is not a pre-existing customer and I am).
I think this is complete BS because the advertisement clearly states that the $0 annual fee for the first year is only available to NEW St George Amplify cardholders…which means alot of completely new St George customers would be expected to apply. The other thing is that because of the attractive QFF bonus points, alot of QFF members would be interested in purchasing this card and being a QFF and having a St George account are certainly not connected!
Anyway, thanks for the heads up about the exhausting paperwork process to actually get this card if you are even accepted as eligible…
Hi Jack, what do you mean by Accountants Letters? :S I hope they don’t annoy me too much!
Hi Yasmine and David,
Sorry I didn’t check back to this page til now. Here are my experiences:
$279 annual fee. I called up the bank. The helpful guy confirmed the text being standard issue by the bank and was not updated for cards issued through Point Hacks’ $0 first year fee promotion.
I ran the scenario with him where I terminated the card 11th month in. Again he confirmed I won’t be charged 11/12th of the fee chargeable on the anniversary. I can quit without recourse, so to speak.
Not true that’s you must be a prior St G customer. I’ve never considered banking with them until now.
Hi Dan,
I went through to apply for the card using your link (thanks!) to take advantage of the $0 first year fee-free promotion.
My card is now sitting in the branch waiting for collection. Meanwhile, I received the Welcome pack from the bank. There’s a clause in the Credit Account Offer letter under Fees and Charges which is potentially concerning… it reads:
“Annual card fee
Initial annual card fee – will be debited 12 months from the date of the statement following the date we debit your first cash advance, credit purchase or balance transfer transaction to the account [fair enough]…
… Total fees and charges which are DEFINITELY [emphasis mine] payable = $279.00”
It’s late now but i’ll call them tomorrow to clarify if this means if the card was terminated midway through the first year that i’ll still be liable to pay the prorated amount of that $279.
I hope this is not the case as I have had only positive experiences with St George. If so, it’s very sneaky how they promoted it to be $0 fee but bites you in the back… I’ll report back but happy to hear your thoughts as well. Cheers.
Hi Daniel,
Im sorry for the confusion, I meant, I am Already a supplementary card holder on my partners St Goerge Amplify Signature Card. I would be applying in my own name and wondered if that would make me ineligible for the bonus offer?
No worries, I see what you mean now. Technically you would be a new cardholders as you don’t currently have an account in your name, however the terms and conditions don’t explicitly cover this particular situation and whether you would be required to be removed as a supplementary cardholder from your partner’s account before applying.
My advice would be to contact St. George and advise them that you wish to apply for this card and get the bonus points and what you would need to do to become eligible for the offer. Specifically, you should ask them 2 questions:
Will I need to be removed as a supplementary cardholder from my partner’s account? and
If so, would I then be considered a ‘new cardholder’ and become eligible for the bonus points?
I hope this helps. Please get back in touch if you have any any other questions. Thanks!
Would l be eligible for this bonus if l am already a supplimentary card holder to my partners account. Is there any min income requirements for this card
What is the income requirements?
If I am a secondary card holder on my husband’s account, can I apply by myself and be eligible for the 200k bonus points?
I agree with Dr Ev, this car is nightmare, had to go to branch plus had to give my tax returns, accountants letter and heaps of documents. I would never recommend this credit card as they are hopeless in their call centre, rather get AMEX
Can you please make it clear when you actually receive the points? Is it straight after spending $12,000 in say five months, or after 12 months? Also what about the second 100,000 points? Very vague.
Sweet deal!
Be warned though, you need to jump through a lot of hoops to get this card approved.
I never had the slightest problem getting approval for a credit card until I applied for the St George Amplify last year.
Took about 2 months and I had to go into a branch. (I am a medical specialist)
Good luck!
Just tried to apply for a St George amplify card. You get part of the way through then it recognised me as a prior customer (at least 3 years ago). This is all well and good but there is no way to find your customer number without calling them. Chatbot didn’t work and was unmonitored. Having to call a contact centre to find a customer number linked to an email address is terrible UX in todays climate. Looks like a one and done situation for me, I will go elsewhere.
Stay Away from Amplify rewards, they have just recently changed their Krisflyer conversion from 2 amplify=1 Krisflyer to 3 amplify = 1 Krisflyer. So unfair on those who had points already with view to convert to krisflyer
Please look for other cards
Hi Sam, I also got the bad news and looking to switch. What would be a good replacement for this card?
Does the international travel insurance cover only the primary card holder or does it cover a partner travelling at the same time please?
Hi Therese, please refer to the PDS and see the section on eligibility (Pages 21-22) to see if the product suits you.
Hi Daniel
I have a St George Amplify Signature and it clearly states that the ‘eligible spend’ for purposes of bonus points does not include government payments so I presume it excludes payments to the ATO, state govt and local govt. It makes it rather hard to spend $12,000 once all these entities are excluded. I have an Amex Explorer which I use for grocery shopping but I now leave it at home until I meet my spend for the Amplify bonus. Personally, I prefer the $3,000 spend within three months offers, this one is a bit too protracted for me.
Can the 2 yearly-complimentary Passes be used by the Primary cardholder AND his traveling companion on the same ocassion? Or is it only for the Primary cardholder to use?
Hi owis
It is the latter, as per the T&Cs of the offer below:
“The first two visits within each twelve month membership period are complimentary to the primary Cardholder only, after which every visit would be charged as per the prevailing rates; currently US$27 per person.
hi it still says $0 annual fee on the LHS (find out more and apply) sticky. Could you please change it as it may be misleading when it’s $179 annual fee.
Hi EELS
Thanks for letting us know. I’ve just tested the sticky now and it appears to be resolved.
Thanks.
Just checking. Council and Water authority bills will accrue points (as long as not paid via bpay) but do they count towards the bonus points?
Thanks for your help.
Hi Dr George
Yes, generally points that normally accrue will also accrue for bonus points qualification purposes.
I can only seem to see a reduced fee of $179 rather than green the first year for the st George amplify. Is this right?
Thanks!
Hi amy grant
Yes that’s right, his offer has a reduced annual fee of $179.
Hi Daniel,
I only just saw this article today and tried to apply it but the website is already closed.
Is there any chance I can apply through point hack again with this amazing deal, thanks!
Tingka
Hi Tingka
This offer has been extended and the link from the Point Hacks website should now work.
A little bit underhanded to tout 2 different timelines in the title benefits.
200,000 points over 2 years but only 1 year fee free…
Hi SC
It’s a shame you had to use a negative word such as ‘underhanded’ to ask your question. Point Hacks writers go out of their way to ensure that all information provided on this site is accurate and reflects the details of an offer, and this article is no exception.
We specifically chose to use the words ‘up to’ 200,000 points as the bonus points are accrued over 2 years, which is clearly reflected in the article. The first year annual fee is $0, and the full annual fee of $279 is charged in subsequent years.
Note for others interested to apply but wanting to accumulate Qantas Points (instead of Amplify/Velocity):
My intention was to change from the Amplify program default to Qantas before spending my first $1 on it. But ONLY if this switch doesn’t jeopardise my bonus points (100k + 100k).
The support team is bit confused and divided on this one at first (I made 3 separate call enquirers). But each time I politely asked that they check with their supervisor and provide a definite response I can contractually rely on (since the T&C were silent on this as far as I could tell).
They agree in the end that
1. Any points accumulated on Amplify prior to switch to Qantas is forgone (doesn’t apply to me)
The bonus is still available on the new program assuming I meet the criteria ($12k in 12 months)
Happy to hear from anyone with contradicting (or corroborating) advice received. I’m still a bit doubtful if I have mucked up my eligibility to the bonus by adding this layer of complexity :p
Urgh. Sorry for the many typos. 🙁
Looks like you need to spend 2x annual fee’s to be credited with the full 200k reward points.
not really worth it.
Thanks for the info, Daniel.
Novi
No worries Novi.
If I activate my Priority Pass Membership now (Feb) and then cancel my St George Signature card, will I be able to use the complementary Lounge Pass in September?
Thank you!
Hi Novi
Your Priority Pass membership will very likely get cancelled upon cancellation of the St George Signature card.
Another question – this one is more general though – if I actually get this card and I travel during the first 3 months, can I use the complimentary lounge passes? Or do I need to wait until spending $4k for 3 months?
Hi Yasmine
Yes, you would be able to use your lounge passes when you receive them. The minimum spend requirement relates to getting the bonus points.
Hi Eric,
Have you heard back about the $279 fee and whether you still have to pay it if you withdraw your membership prior to 12 months from the date of purchase?
I have applied for the card and one thing that is VERY obvious is that you need to be a pre-existing St George customer in order to be eligible for this card (this is because my friend and I applied, we are both on the same salary and basically the same overall circumstances but she is not a pre-existing customer and I am).
I think this is complete BS because the advertisement clearly states that the $0 annual fee for the first year is only available to NEW St George Amplify cardholders…which means alot of completely new St George customers would be expected to apply. The other thing is that because of the attractive QFF bonus points, alot of QFF members would be interested in purchasing this card and being a QFF and having a St George account are certainly not connected!
Anyway, thanks for the heads up about the exhausting paperwork process to actually get this card if you are even accepted as eligible…
Hi Jack, what do you mean by Accountants Letters? :S I hope they don’t annoy me too much!
I was surprised to get knocked back as well… Oh well will wait a month and go for the virgin high flyer instead…
Hi Eric,
Did you get a response regarding the annual fee if you were to cancel before the end of the first year?
Hi Yasmine and David,
Sorry I didn’t check back to this page til now. Here are my experiences:
$279 annual fee. I called up the bank. The helpful guy confirmed the text being standard issue by the bank and was not updated for cards issued through Point Hacks’ $0 first year fee promotion.
I ran the scenario with him where I terminated the card 11th month in. Again he confirmed I won’t be charged 11/12th of the fee chargeable on the anniversary. I can quit without recourse, so to speak.
Not true that’s you must be a prior St G customer. I’ve never considered banking with them until now.
Hi Dan,
I went through to apply for the card using your link (thanks!) to take advantage of the $0 first year fee-free promotion.
My card is now sitting in the branch waiting for collection. Meanwhile, I received the Welcome pack from the bank. There’s a clause in the Credit Account Offer letter under Fees and Charges which is potentially concerning… it reads:
“Annual card fee
Initial annual card fee – will be debited 12 months from the date of the statement following the date we debit your first cash advance, credit purchase or balance transfer transaction to the account [fair enough]…
… Total fees and charges which are DEFINITELY [emphasis mine] payable = $279.00”
It’s late now but i’ll call them tomorrow to clarify if this means if the card was terminated midway through the first year that i’ll still be liable to pay the prorated amount of that $279.
I hope this is not the case as I have had only positive experiences with St George. If so, it’s very sneaky how they promoted it to be $0 fee but bites you in the back… I’ll report back but happy to hear your thoughts as well. Cheers.
Eric
Where is the application link?
Hi Daniel,
Im sorry for the confusion, I meant, I am Already a supplementary card holder on my partners St Goerge Amplify Signature Card. I would be applying in my own name and wondered if that would make me ineligible for the bonus offer?
Hi Mike
No worries, I see what you mean now. Technically you would be a new cardholders as you don’t currently have an account in your name, however the terms and conditions don’t explicitly cover this particular situation and whether you would be required to be removed as a supplementary cardholder from your partner’s account before applying.
My advice would be to contact St. George and advise them that you wish to apply for this card and get the bonus points and what you would need to do to become eligible for the offer. Specifically, you should ask them 2 questions:
I hope this helps. Please get back in touch if you have any any other questions. Thanks!
Would l be eligible for this bonus if l am already a supplimentary card holder to my partners account. Is there any min income requirements for this card
Hi Mike
The terms and conditions are silent on this point, however supplementary cardholders are generally not eligible for bonus points.
I would recommend calling St. George to confirm this, or alternatively look to apply for this card separately in your own name.
What is the income requirements?
If I am a secondary card holder on my husband’s account, can I apply by myself and be eligible for the 200k bonus points?
Hi Luciana
There is no stated income requirement, however as a guide, most banks require around $75,000p.a for their top-tier cards.
I agree with Dr Ev, this car is nightmare, had to go to branch plus had to give my tax returns, accountants letter and heaps of documents. I would never recommend this credit card as they are hopeless in their call centre, rather get AMEX
I tried too and couldn’t be bothered with the dramas
Are the points awarded each year once the minimum spend is met for to you need to wait until the end of each year until it is credited?
Hi John
The bonus points will be credited to your points balance within 12 weeks after the eligible spend criteria is met for each year.
Can you please make it clear when you actually receive the points? Is it straight after spending $12,000 in say five months, or after 12 months? Also what about the second 100,000 points? Very vague.
Hi Dan K
The bonus points will be credited to your points balance within 12 weeks after the eligible spend criteria is met.
My son asked Is a salary of $75k per year high enough to apply for this card?.
Hi Keith C
This card doesn’t state a minimum income requirement, however as a guide, most banks require around $75,000p.a for their top-tier cards.
Also be mindful that income is just one criteria that banks use to determine the suitability of the card for your son.
Sweet deal!
Be warned though, you need to jump through a lot of hoops to get this card approved.
I never had the slightest problem getting approval for a credit card until I applied for the St George Amplify last year.
Took about 2 months and I had to go into a branch. (I am a medical specialist)
Good luck!