St.George, Bank of Melbourne and BankSA are offering an Online Exclusive 100,000 Amplify Rewards Points plus $0 annual card fee for the first year for new cardholders of the Amplify Signature Visa – Amplify Rewards variant until 17 December 2018
There’s also 80,000 Qantas Points plus a reduced first year annual card fee of $179 for new cardholders of the Amplify Signature Visa – Qantas variant until 23 January 2019.
Note: If you would prefer to receive Qantas Points for your signup bonus, make sure to use the links further down in this guide.
The Amplify family of cards 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 Amplify Signature Visa.
A minimum spend requirement of $4,000 within the first 90 days of approval is required to receive the points bonus for new cardholders of the Amplify Signature Visa.
Digging into the details of the Amplify Signature Visa
The Amplify Signature Visa offers 0.75 Qantas Points or 1.5 Amplify Rewards Points (which also equal 0.75 Velocity Points, KrisFlyer or Enrich Miles) per dollar spent with no points cap.
The Amplify Signature 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 a 10% points ‘birthday bonus’ on your spend for the previous year, which effectively increases your points earn rate on all your spend if you keep the card active. There are also two single entry lounge passes (Qantas or Priority Pass), insurances and access to Visa Luxury Hotels booking service.
|Card||St.George, Bank of Melbourne and BankSA Amplify Signature Visa|
|Loyalty program||Qantas Frequent Flyer or Amplify Rewards|
|Points earned from spend||0.75 Qantas Points or 1.5 Amplify points per $ spend |
Plus 10% points bonus for your birthday
|Travel benefits||2 x Qantas Club or 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|
|Annual fee||$279 p.a. ongoing|
Effective Frequent Flyer Program Point Earn Rates
|Frequent Flyer Program||Effective earn rate|
|Qantas Points*||0.75 point / $|
|Velocity Points||0.75 point / $|
|Singapore Airlines KrisFlyer Miles||0.75 mile / $|
|Malaysia Airlines Enrich Miles||0.75 mile / $|
|* Qantas Points are only earned if selected upon receiving the card|
Amplify Rewards vs Qantas Points
The Amplify Signature Visa earns 0.75 Qantas Points per $ on spend if you opt-in on earning Qantas Points. Otherwise, earn rate is 1.5 Amplify Rewards Points per dollar on eligible purchases.
We have a full guide explaining Amplify’s frequent flyer transfer partners and how to maximise your points balances by taking the sign-up bonus as Qantas Points and then switching to Amplify Rewards for ongoing spend.
The Birthday Bonus
The Amplify Signature Visa comes with a unique benefit of a 10% bonus on all points earned from spend over the previous 12 months (excluding any bonus points) on your birthday each year.
You’re also offered two complimentary single-entry lounge passes each year.
If you’ve opted into Amplify Rewards, you’ll receive a taste of Priority Pass membership.
However, if you know you’ll use them, the more useful lounge passes come from opting into Qantas, where you’ll receive two Qantas lounge invitations each year, which are pretty handy—they can be used domestically or internationally.
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, Bank of Melbourne, and BankSA
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.
This 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, the card is well worth considering, and the travel and lounge access perks are handy extra benefits.
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