Point Hacks Credit Card Guide

Offer ending soon: 100,000 Amplify Rewards or 80,000 Qantas Points plus discounted first-year annual card fee with the Amplify Signature Visa

St.George, Bank of Melbourne and BankSA have extended their Online Exclusive offer of 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 23 January 2019

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.

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 Details

CardSt.George, Bank of Melbourne and BankSA Amplify Signature Visa
Loyalty programQantas Frequent Flyer or Amplify Rewards
Points earned from spend0.75 Qantas Points or 1.5 Amplify points per $ spend
Plus 10% points bonus for your birthday
Points capNone
Travel benefits2 x Qantas Club or 2 x Priority Pass invitations
Access to the Visa Luxury Hotels program
Included insurancesAmplify Signature Travel Service, international travel insurance, purchase security insurance, extended warranty cover plus more (PDS)
Overseas transaction fee3% of the converted amount
Annual fee$279 p.a. ongoing

Effective Frequent Flyer Program Point Earn Rates

Frequent Flyer ProgramEffective earn rate
Qantas Points*0.75 point / $
Velocity Points0.75 point / $
Singapore Airlines KrisFlyer Miles0.75 mile / $
Malaysia Airlines Enrich Miles0.75 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.

Lounge access

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.

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, 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.

Summing up

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.

Offer ending soon: 100,000 Amplify Rewards or 80,000 Qantas Points plus discounted first-year annual card fee with the Amplify Signature Visa was last modified: January 17th, 2019 by Keith

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Point Hacks Credit Card Information

Point Hacks is published by Point Hacks Australia Pty Ltd (ACN 622 987 160), a corporate authorised credit representative (Number: 504786) of MSC Advisory Pty Ltd ACN 607 459 441 (Australian Credit License: 480649). In some instances, Point Hacks Australia Pty Ltd receives a commission or benefit for referring you to the services of a credit provider. This commission or benefit is disclosed at the point of referral to the credit provider. This website does not provide credit, assist you in obtaining credit, or advise you to apply for any particular product from a provider.

We have not taken into consideration your personal circumstances or financial situation when providing the information on this website. It is important you read the relevant PDS from the product issuer and seek the independent advice of an appropriately qualified professional before making a decision on a product.

While we invest a great deal of time and energy into ensuring we provide with you with the most up to date and accurate information, we do not warrant the accuracy of statements or information contained on the Website relating to third party goods and services, including credit card information, loyalty schemes and rewards. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability arising from any person acting on those statements or information to the fullest extent permitted by law. Where conditions or warranties are implied by law and cannot be excluded, our liability will be limited to the re-supply of information. You should confirm the accuracy of information provided on this Website with the third party product provider before acting on it.


  1. Andrew

    Hi Keith, hope you can give me some advice. I applied in December (and very happily followed your affiliate links – you guys do an amazing job and add excellent value!!) I was immediately conditionally approved and asked for two months of salary statements. I dutifully sent these in and then got the same request repeated – sent in again. I was then asked again and I told them I already sent it. Things then went silent – tried to chase them via the email reply but no response received. Someone from a Philippines call centre called me – I told them I already sent it and rec’d the email acknowledgement – still nothing. Got reminder via email that my conditional approval would expire like in middle of December – never heard anything back. Which number can I call exactly or who can I get on this case? It has been so frustrating and got lots of purchases I want to use for the min spend requirement!!! Ugh!!! Thanks a lot, Andrew

  2. Jack

    I’ve tried several browsers but I can’t click the links above to get a preferential $0 sign up rate – have the links been removed for the special rate? Going through the St. George website it’s $179 obvs. Thanks

    • Daniel Sciberras

      Hi Jack

      Sorry to hear that you are having issues. I’ve just tried the link using the newest version of Firefox and it brings up the application page clearly stating the $0 annual fee in the first year.

      Have you made sure that you are using the latest versions of the browsers?

  3. Hi Keith, I’m looking at the St George card really to grab some Kris Flyer points for Suites and I’m happy to use your affiliate link. It seems this is the best earning Visa/Mastercard on the market? 70% of my business expenses don’t accept Amex unfortunately. Just wondering if the 100,000 sign up bonus Amplify Points equates to 75,000 Kris Flyer miles? Cheers, Josh

  4. Ken

    Hi, is the $0 annual fee deal still on? I clicked on your like and it says $0 till jan 2019, but on the bank of melb and st george websites they say $179 for the first year. Help?!

  5. Robert Millhouse

    The review says $0 annual fee for the first year on the Amplify Signature card but the websites quote $179 for the 1st year. Have I missed something?

  6. Érin

    Hi mate,

    Can I apply for the SA or Melbourne card if I have an existing St. George amplify card? And if the answer is yes, can I apply for both of them?

    • No, you cannot. As stated in the terms and conditions of all the cards:

      Existing customers who currently hold an Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, or who have held one in the last 12 months, are not eligible for this offer.

  7. Nerissa

    Are you still able to do the conversion from Qantas to Amplify? So if I apply for a card and go with the Qantas points bonus am I then able to change to Amplify? Thanks

  8. Ron

    Hi there, I already spend $4000 within 1 month, do I need to inform st george to get 80,000 qantas points? and how do I get the complementary 2 qantas lounge access? thank you

    • No, you do not need to inform St.George of meeting minimum spend. The bonus points will be credited to your points balance within 12 weeks after the eligible spend criteria is met.

      Qantas Club Lounge Invitations are offered to Qantas Rewards Cardholders who must enrol via this page—call the bank if you have any problems on that front.

  9. Erin

    Hi there,

    I already have this card and I have an additional card for my partner (at no cost) and the card is still linked to me. Can my partner apply for her own card and receive the same points?

  10. Brett

    Hi all. Just a tip to everyone applying, if you are issued a card, your financial summary will say that the annual fee is $279, it seems, even if you use the PH link. When collecting my card from the branch, the customer service officer told me they can’t assist in branch to rectify this and to contact the telephone number on the back of the card. The telephone agent did not know what the promotion was and it took some time to explain but ultimately, it was still set at $279. It may be that St. George did not load the promotion correctly, but just be mindful that you will likely have to call to rectify the situation and have the annual fee reduced to the correct $179.

  11. Miro

    When receiving 90 000 rewards points ( after eligibility spending in first 3 months)
    could I transfer this rewards points towards Singapore Airlines KrisFlyer Miles ?

    • Steven [mod]

      If you choose to receive your 90,000 bonus points in Amplify Rewards, then yes you can transfer the points to Krisflyer at a rate of 2:1 which comes out to 45,000 Krisflyer Miles.

      • Jay

        Hi Steven,

        In that case, is your effective frequent flyer earn rates table wrong in the article?

        I calculate that you need to spend $2.66 to earn 1 KrisFlyer, 1 velocity or 1 Malaysian point.

        Therefore, you are only earning 0.375 KrisFlyer, velocity, or malaysian points per $1 spend, not 0.75 points as stated in your table

      • Jay

        Apologies, please ignore my previous message! Had my numbers wrong for earn rate and your table is correct

        Do you know if you can earn amplify points on the signature card for government spend? (Similar to 0.5 points per $1 for the business card)


  12. James

    Hi Guys

    I applied for the Amplify Signature Visa card last Thursday 26 July 2018. My application is still progressing with St. George, I am wondering if the 90k bonus points will still be on offer if my application is approved after the 31 July 2018 off expiry?


    • Steven [mod]

      Yes! As long as you applied for the card before the offer end date, you should be qualified for the 90K bonus and reduced annual fee offer.

  13. MC

    Hi, here comes a noob question…

    Doing this app, and had a question regarding the liabilities – what you owe – section, where you enter loan information (in my case a home loan), where they ask for credit limit: What exactly are they wanting to know there?

    Other credit cards are in a seperate section, so is it LOC or something? Done a few CC applications before but not seen it worded like that…


    • Keith Author

      Hey MC – best to give St. George a quick call on this one to ensure you get this right according to their requirements. Sorry we can’t be of more help.

  14. Nina

    Hi thinking of applying but I’m in my 60s, very good credit rating, thinking of closing two Cards with zero balances as soon as this is approved. Part time worker plus Government assistance too. Don’t like to waste time if you only consider younger employees.

    • Keith Author

      Hi Nina – we won’t be able to help you make a decision around your application for this card, sorry – St. George is the credit provider and is responsible for the approval decision. We’d suggest you talk to them to assess your eligibility.

  15. Ben

    Hi, does anyone know if spend on a supplementary card will count towards the $4,000 minimum spend in order to qualify for the 90,000 bonus QFF points?

  16. Mel

    Just applied and conditionally approved awaiting payslip verification etc.
    Logged in to credit savvy to check current credit rating and realised my existing salary packaged novated car lease is with St George Auto Finance. Will this make me ineligible for the bonus points? Never held a credit card account with St George before and unsure if this novated car lease counts when the deed itself was executed by my employer.

    Also based on the wording of the T&C’s (below) is it only St George customers who have held an Amplify card in the last 12 months that are ineligible?

    *Bonus points promotion: Existing customers who currently hold an Amplify Platinum or Amplify Signature card, or who have held one in the last 12 months, are not eligible for this offer.

  17. Nat

    Love the sound of this card! I’m looking for one offering bonus points and no overseas transaction fees. Struggling to find anything online – do you have any suggestions? Thank you!

  18. Kelsi

    Hey anyone know what the minimum credit limit for this card is? I currently have 2x $15k cards I’m not wanting to cancel, and not sure how much more credit banks will want to give out on top of my mortgage….

  19. Larissa

    Hello, can anyone confirm if I would be eligible for the 90,000 point sign up bonus, if I was a supplementaru card holder for the same ( my husband’s card)? Cheers!

  20. Eugene

    I recently applied for this card via the link on Point Hacks and application went smoothly with the card received today.
    However upon checking the terms and conditions of my welcome pack, it states that my annual fee is $279 instead of the reduced fee of $179.
    Is this normal or has there been a glitch somewhere?
    Please advise, thank you.

  21. Charlie Worrall

    I applied and was approved for this card through this offer and have been sent documentation saying the annual fee is $279. So the discount isn’t reflected in the initial documents they send out. Remains to be seen what is actually charged…. but alas it’s a bit worrying

  22. Nathan Baigent

    I’ve just received the Info` pack from st george in the mail and it states the annual fee of $279 instead of $179 when I signed up through point hacks…

    How do I make sure I get charged the $179? Can that be done when I goto the beach to pick up my card?

  23. Les

    I just cancelled this card before entering Year 2, having signed up for the offer 14 months ago.
    Can I sign up again and get this offer?

  24. The online application form stalls at the absent drop down menu “type of card”. I contacted St George who told me to contact Point Hacks. Point Hacks don’t have a phone number do emailed with no reply

  25. adenda

    I’m interested in applying for this card but the St George website is asking me to select a credit card from a dropdown box – but the dropdown box doesn’t offer any choices. The website won’t allow the application to proceed to the next screen without a credit card being selected.
    I’ve been receiving several automated emails from St George asking me to complete my application for the Amplify Signature Visa so my guess is that your link to the St George web site is preselecting this card. Trouble is the website doesn’t seem to properly register this. I’ve spoken to St George and all they can offer is to do an application over the phone. By the way just launching an application directly on the St George website works but of course doesn’t offer the reduced annual fee.
    Any clues as to what is going wrong?

  26. twilsoncrow

    I too have nothing but bad feedback on applying for this credit card.

    As someone with an impeccable credit rating, solid income, range of assets, property, cash and shares the fact that St George has not approved my application is astounding.

    There is no mention of an income requirement and I have just spent 10 mins on the phone being informed that I did not meet the “Lenders Criteria” which they could not tell me what it is.

    I have lodged a complaint and am willing to go to the financial ombudsman on this.

  27. Lynn

    Hi, I tried to apply via the link and on the question where it asked to select which card to apply; the drop down menu was blank. I have tried Internet Explorer and Chrome and disable any pop up blocker and still came up empty. Contacted St George customer service, and they said to contact Pointhacks regarding the issue. Anyway thanks for the great deal on reducing first year fee 🙂

    • Steven [mod]

      Hi Lynn,

      Apologies for the inconvenience. St.George just informed us that they are now looking at this since the application form is within their website.
      Please check again in the next couple days and hopefully this is fixed by then.


  28. Corinne

    Wondering if I am missing something here. Looking to apply, but when I click on the link, it is referring me to a page where the $279 fee is mentioned, not $179. How do I get access to the special Points Hack $179 deal?

  29. Bails369

    Nothing but problems applying for this card. I have never been rejected for a card before, have a secure income, own home, no debts. But St George after making me jump through all sorts of hoops supplying corroborating income documents rejected the application and after spending a lot of time on the phone they declined to give any particular criteria, but told me I should apply for a lower ranking card i.e. less signup bonus. It seems their CC review is now done offshore, and seems the policies are now having to be complied with absolutely no common sense applied. Example – they asked for Bank Statements for last 3 months as proof of income, and it was the middle of the month so the last bank statement was dated 15 days ago, which I provided along with two monthly statements making a total of the 3 most recent months. They insisted upon an interim bank statement up to the current date, I’ve never been required to provide this before.
    To me this card is simply too much bother, and I wouldn’t go near St George again.

    • EH

      I’ve applied for 6 credit cards in 2017 and 2 in 2018 so far. Last week I applied for this card as my third CC for 2018 and was only asked for last 2 pay slips and got approved after a couple of calls to speed them up. I wonder what made your situation so troublesome? It sounds like it may be related to your income, if they even went through the trouble of getting you to submit more documents to prove your income?

      • Bails369

        Yes, what you describe has always previously been my experience, except in my case I’m not an employee, I am a self funded retiree. I’ve never had any problem with other Westpac owned banks before, however this time around, St George seemed to have a mission to make it as difficult as possible, to the extent that they seem to be discriminating against retirees. I plan to apply for an Amex in August/September, so will be able to compare the process then.

    • Zeb

      This card was my first rejection as well. There was no apparent reason for it and none was given.

      I have a 6 figure income, long-term and stable employment, properties, good credit history (I got worried and checked!), and an overall financial position that is well and truely in the black. Yet I got rejected.

      It is unfortunate as I wanted to use this card as a long term replacement for my current MasterCard. It was all part of a plan to transition homeloans from my current bank (due to AMEX related product devaluation) to another bank (eg St.George).

      Not to worry, I’ll never have to deal with them again – plenty of other banks.


      I have had exactly the same problems applying for this card. They too have made me jump through all sorts of hoops in providing proof of rental income for an investment property. Even after supplying an official letter head statement from a reputable Australian real estate franchise for a four month period outlining all income, they advised this wasn’t acceptable because it listed four months of transactions and not three!!! Even after a call with a St George Senior member in Australia who spent close to an hour trying to convince the verification team that this document was sufficient, the verification team changed their criteria and have now requested a 3 month bank statement proving the money was deposited? I have never come across a less competent and unprofessional team of individuals through any other credit card application. They are totally incapable of making any common sense decisions or providing any form of customer service. I too agree that this card is way too much trouble and wouldn’t go near St George again.

  30. SIMON

    A quick update for those who still haven’t received their 90,000 bonus Qantas points. I called St Georges bank today which is a full 12 weeks after meeting the minimum spend requirement and they said that the bonus points have now been applied however they will be credited to my QFF account on my next statement cycle which is another 3 weeks away. . . .

  31. Ash

    Hi, it has now been over 3 and half months and I still am yet to receive the bonus 90k qantas points. I qualified mid Dec spending over 10 grand in hje first month!
    I called the amplify rewards hotline recently and these guys had no idea and redirected me to call Qantas FF 131313 ?? If anyone knows the best amplify number I can call to sort this out let me know!

  32. Simon

    Curious to know if anyone else is having delays with St George crediting the bonus 90k points to their QF account ?

    Most sign up bonuses through banks like American Express, Citi & Virgin Money gave the promotional bonus points within 1-2 weeks of meeting the requirements

    St Georges on the other hand haven’t issued me with the points even though i have been through 2 statement cycles and met the minimum spend within 2 weeks of getting the card

    any feed back would be great to know im not the only one still waiting impatiently

      • SIMON

        I actually called the several times and i got the impression i knew more about the promotion they did…
        the feedback i got from the agents was that the issuing of the points within the 12 weeks is random and please call back after the window. I’m astonished that there is no way of them verifying the requirements over the phone.
        i also went into the bank and was told the bonus points are issued after the 12 week window so in some respects i think they know less about their own promotion than i do.
        i deliberately spend over the minimum spend just in case a situation like this would arise so only time will tell now

    • Johnny

      Same problem here. Rubbish bank. Called them and they said “it’ll come any time now since it’s almost the 12 week end date”

      • Simon

        My deadline is 4th April before the 12 weeks elapses. Alas still no points and I’ll wait until the 5th because I’m waiting for them to say please wait until the 12 weeks has fully passed. I’m pulling my hair at this one and as soon as I receive the points that card will be canceled

  33. Rose

    Is there any min income requirement for the Signature Visa? Thanks! My husband and I have similar income, mortgage, asset, etc, but when I applied for Citi (and Virgin – run by Citi) credit cards on his behalf, it got rejected a few times and they hassled him so much. I hope these banks are better.

  34. Derek Puah

    The Qantas Bonus sound like better but I do like the flexibility of Amplify program. Can we sign up for Qantas program and convert to Amplify on the second month?

    • Dane

      It would be a big help if someone could answer this question as it appears that the welcome bonus of 90 000 qantas points is worth almost double the 90000 amplify bonus points, but the ongoing earn rate of amplify points is of more value and greater flexibility.

  35. Ben

    This is not necessarily related to the card, but about Qantas points in general.

    I notice next year from about mid-March onwards, Emirates is no longer flying A380s from Dubai to Perth and vice versa. I’m not sure if this is seasonal or a permanent change, although I would have thought demand picks up heading into the European summer.

    In my opinion this significantly devalues Qantas points….would be interested to hear your thoughts?

    • Keith Author

      It’s definitely a downgrade in Business Class, although First Class on the 777 is still excellent and not too different to that on the A380. In Economy, I would guess the A380 is definitely preferable. It would be significant if you had plans to fly from Perth to Dubai with Emirates using your points, but for others totally inconsequential – it sounds like you are in the former camp though.

      • Ben

        Yes, first class would be fine but in business it is a fair difference. I just went and checked again and the schedules are back to what they were before. Very strange indeed. I’m not sure whether this was a system error or whether an indicator that the schedules are about to change.

        Anyway, something for Perth travellers to keep an eye on travelling to Europe in particular using Qantas points to book Emirates flights.

  36. Hi I currently have the St George Amplify Visa card, can I apply for the BOM card and qualify for the bonus points. You could do it before I believe.

  37. Simon

    Can you get the $0 annual fee in the first year for existing customers for the St George Amplify card by signing up to a free transaction account and then applying for the credit card so there is not fee?

  38. Frank

    Despite the terms saying you get Qantas Club passes if in Amplify Qantas and Priority Pass if in Amplify Rewards, I’ve successfully received both the 2 QC passes and the 2 free PP visits in the same year and I’ve had this card for a while. Try your luck.

  39. Spero

    This is a dark horse credit card. One of the highest earner cards (Outside Citi Prestige/Amex) for points earn for Singapore airlines, especially the double points for overseas spend which Citi removed.

    The 10% birthday bonus is an excellent added extra. If only the credit card fee was lower, but with all the changes going on with Credit Card reware programs you have to take what you can get.

  40. I had St George Amplify Sugnature Black Card for a while. Love it….

    Pros: It is the best affiliated VISA card among the banks in the market.

    Con: It would be even better if St George bank also offers Amex affiliated card by having both Amex and VISA cards in 1 credit card Account.

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