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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
Earn
Amplify Rewards Points per $1
3 points
on international spend
2 points
on everyday spend
1 point
on all other purchases. Once you spend $10,000 in a statement cycle, you will earn 0.5 points per $1 on further eligible purchases
Travel Benefits
Travel Insurance
Complimentary International Travel Insurance
Priority Pass
2 Priority Pass invitations per cardholder year
Bonus Minimum Spend
$24,000
$12,000 spend in the first 12 months, plus another $12,000 in the 90 days after your first card anniversary
Annual Fee
$274 p.a.
$199 on the first year ($295 p.a. ongoing) + $75 annual Amplify Rewards Program fee
Points Cap
Yes
Up to $10,000 per statement cycle, then 0.5 Points per $1 on all other purchases
ATO Points
No
Overseas Transaction Fee
3%
Interest-free period
Up to 45 days
Purchase Rate
23.98% p.a.
Cash Advance Rate
23.99% p.a.
Why Choose This Card
The St.George Amplify Signature is a strong option for travellers who want to build a flexible rewards balance without moving into the ultra-premium end of the credit card market.
For ongoing spend, you’ll earn 3 Amplify Points per $1 on international purchases, 2 Points per $1 on everyday domestic spending and 1 Point per $1 on other eligible purchases. Those points can then be transferred to a range of frequent flyer partners, including Velocity Frequent Flyer, KrisFlyer and Cathay Asia Miles.
The card also comes with two complimentary Priority Pass lounge visits each year, which is a handy perk for travellers who don’t usually have lounge access through Business Class or airline status.
On top of that, you’ll get comprehensive travel insurance and a range of purchase protections, adding some useful value beyond the points you earn.
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.
Extra Benefits
Mobile Wallet
Apple Pay, Google Pay and Samsung Pay
St.George is offering up to 200,000 Amplify Rewards Points (equivalent to 50,000 Velocity Points or up to $680 in eGift cards) plus a reduced first-year annual card fee of $199 + $75 Amplify Rewards Program fee for new cardholders who apply for the Amplify Rewards Signature Visa Card.
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 and KrisFlyer Miles on a 4:1 basis, this means that the current bonus of up to 200,000 Amplify Points bonus is equivalent to 50,000 points when transferred to either program.
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, 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. + $75 Amplify Rewards Program fee ongoing |
Effective Frequent Flyer Program Point Earn Rates
| Frequent Flyer Program | International Spend | Everyday Spend | Other Eligible Spend |
|---|---|---|---|
| Velocity Points | 0.75 point / $ | 0.5 points / $ | 0.25 point / $ |
| Singapore Airlines KrisFlyer miles | 0.75 mile / $ | 0.5 miles / $ | 0.25 mile / $ |
Amplify Rewards vs Qantas Points
The St.George Amplify Signature Visa is also available in a Qantas Rewards variant, that earns up to 1.5 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.
Eligibility Criteria
These are the minimum requirements to be eligible to apply for this Card. Other additional eligibility criteria, such as proof of income, will generally be required later on.
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Be aged 18 years or over
-
Be an Australian citizen, permanent resident, or hold a long-term visa
-
Minimum income required $75,000 p.a.
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Have a good credit history and no payment defaults
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To be eligible for the bonus offer, you must not currently hold, or have held in the last 24 months, an Amplify, Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA. Credit card product switches, upgrades and Westpac Group staff are not eligible for this offer.
Frequently Asked Questions
How does the Complimentary International Travel Insurance work and am I eligible for it?
You’ll automatically apply the complimentary international travel insurance if you prepay $500 of your travel costs to your eligible card and hold a return overseas ticket before departing Australia.
Can I access lounges with this card?
Yes, you can, with 2 Priority Pass invitations per cardholder year included with the card.
Who is eligible for the sign-up bonus?
The sign-up bonus points offer is not available if you’ve held an Amplify, Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, or who have held one in the last 24 months.
What happens if I don’t meet the bonus points spend requirement?
If you don’t meet the initial spend requirement, you will forfeit the first part of the bonus points. However, you are still be eligible for the second-year bonus if you continue to use the card and meet the eligibility criteria.
Can I add additional cardholders?
Yes, you can add one additional cardholder at no extra cost. Points earned by the supplementary cards will flow to the primary cardholder’s Amplify Rewards account.