St.George Amplify Signature Credit Card – Rates and Fees

Information verified correct on September 27th, 2016
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Enjoy a high rewards points earn rate, 0% p.a. for 20 months on balance transfers, an introductory offer on purchases and $0 annual fee for the first year when you apply before 29 September 2016.

The Amplify Signature is St.George’s top-of-the-line rewards credit card. It boasts all the features of a St.George Amplify Platinum card—including complimentary insurance and a 24/7 concierge service – plus a range of other perks. The St.George Amplify Signature lets you earn 1.5 Amplify Points for every dollar spent at eligible Australian merchants, or 3 Amplify Points for every dollar spent at overseas merchants.

You can also take advantage of other features like the Birthday Bonus, which can help you build your points balance further.

Product NameSt.George Amplify Signature
Rewards ProgramAmplify Rewards
Balance transfer rate (p.a.)0% p.a. for 20 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Purchase Rate (19.49% p.a.)
Balance Transfer Limit95% of available credit limit
Purchase rate (p.a.)1% p.a. for 12 months (reverts to 19.49% p.a.)
Offer end date29 September 2016
Annual fee$0 p.a. annual fee for the first year ($279 p.a. thereafter)
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 55 days on purchases
Cash advance rate (p.a.)20.24% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$15,000
Max credit limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$75,000
Minimum Monthly Repayment2%
Card TypeVisa
Late Payment Fee$9
Foreign Currency Conversion Fee (VISA)3% of transaction value
Complimentary Travel InsuranceYes
Complimentary Travel Insurance Cover6 months
Available To Temporary ResidentsNo
Joint ApplicationYes
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$15,000
Max Credit Limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$75,000
Annual Fee$0 p.a. annual fee for the first year ($279 p.a. thereafter)
Minimum Repayment2%
Late Payment Fee$9
Over Limit Fee$9
Cash Advance Fee2% of each cash advance amount and all transfers
Overseas Cash Advance Fee2% of each cash advance amount and all transfers
Overseas Emergency Replacement$52.50
Overseas ATM Withdrawal Fee$5
Foreign Currency Conversion Fee (VISA)3% of transaction value
Gambling Transactions AllowedYes
Gambling Transactions Interest RateCash Advance Rate
Additional Cardholder Fee$0 p.a.
Number of Additional Cardholders1
BPAYYes
ChequeYes
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes
Rewards ProgramAmplify Rewards
Rewards Points per $ (VISA/MC)1.5
Rewards Points per $ (AMEX)0
Rewards Points per $ (VISA/MC) CapUncapped
Rewards Points per $ (AMEX) CapN/A
Points ExpiryNever

St.George Amplify Signature Credit Card review

The St.George Amplify Signature is a rewards credit card that is designed to help cardholders earn rewards points for every dollar they spend. It allows access to either St.George’s Amplify Rewards or Amplify Qantas, each of which offers a host of luxury benefits to members.

Customers who sign up before 29 September 2016 can take advantage of the promotional balance transfer offer of 0% p.a. for 20 months, 1% p.a. for 12 months on purchases and annual fee waiver for the first year.

Other card features include a vast array of travel benefits and a Birthday Bonus to help members build their rewards point balance.

If you’re looking for a card with a lower annual fee than the Signature, you might want to consider the St.George Amplify Platinum Card or the St.George Amplify Classic.

Benefits of using St.George Amplify Signature

  • Introductory rate on purchases. If you apply by 29 September 2016, you will benefit from 1% purchase rate for 12 months.
  • 0% p.a. on balance transfers. Take advantage of a long-term balance transfer offer of 0% p.a. for 20 months. A standard purchase rate of 19.49% p.a. applies after the promotional period ends.
  • Overseas travel insurance. The cardholder and their family have access of up to 6 months of coverage.
  • Purchase cover insurance. Cardholders get up to four months of cover against the theft, loss or damage of selected new purchases.
  • Transit accident insurance. If you suffer an accidental injury or die when travelling by train, bus, plane or ferry outside Australia, this insurance provides cover.
  • Extended warranty insurance. This cover offers up to 12 additional months on the manufacturer’s expressed Australian warranty.
  • Domestic flight inconvenience. This cover ensures you don’t suffer a financial loss due to flight delays and cancellations.
  • Price guarantee cover. This form of cover means you are able to claim the difference if you find a product for sale cheaper within 21 days of purchasing.

Features of the St.George Amplify Signature

  • Annual fee. This card offers no annual fee for the fist year. It will attract an annual fee of $279 afterwards.
  • Up to 55 interest-free days. This feature lets you take advantage of up 55 interest-free days from the beginning of your statement cycle, allowing you to avoid interest charges if you pay off your balance in time.
  • Competitive earn rate. If you choose the Amplify Rewards program, you receive 1.5 points for every dollar spent at eligible Australian merchants and 3 points for every dollar spent at merchants overseas. If you choose the Amplify Qantas program, you can earn 0.75 Qantas Points for every dollar spent in Australia and 1.5 Qantas Points for every dollar spent at eligible overseas merchants.
  • Lucrative rewards. Points earning is uncapped. Amplify Rewards also gives you access to two complimentary Priority Pass lounge passes per year, while Amplify Qantas members receive two complimentary Qantas Club Lounge invitations per year.
  • Birthday Bonus. This feature lets you receive a 10% points bonus based on the points you have earned in the previous 12 months.
  • 24/7 concierge service. Cardholders can take advantage of a premium concierge service whenever they need it.
  • Travel benefits. As well as all the travel benefits available through Amplify Rewards, cardholders also have access to the Amplify Signature Travel Service. This includes a personalised call centre service, bonus points on travel spending, targeted luxury travel offers and more.

How to apply for the St.George Amplify Signature

If the St.George Amplify Signature sounds like the ideal card for you, just simply complete an online application to begin the application process. In order to apply for the card you’ll need to be over 18 years of age, an Australian resident and have a good credit rating.

Required information

  • An Australian driver’s licence
  • Your employer’s contact details
  • Accountant’s contact details (if self-employed)
  • Details of your income, assets and liabilities

The St.George Amplify Signature offers a range of competitive features to prospective cardholders. If you’ve compared your options and decided that this is the right card for you, complete an online application to begin the process.

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71 Responses to St.George Amplify Signature Credit Card – Rates and Fees

  1. Default Gravatar
    Vince | September 20, 2016

    Do they allow balance transfers from another persons card? I also have a westpac card already is the interest free balance transfer offer still valid for me?

    • Staff
      Jonathan | September 22, 2016

      Hi Vince, thanks for your inquiry!

      Balance transfers between two separate cardholder names are not permitted, unless they are in a joint-account name.

      Balance transfers from Westpac to St. George are allowed, so this balance transfer offer will be valid for you.

      Cheers,

      Jonathan

  2. Default Gravatar
    Alison | August 17, 2016

    I have used my St George Amplify card to purchase online airline tickets and accommodation overseas. How does the complimentary travel insurance component of this card work here? Thank you.

    • Staff
      Chester | August 17, 2016

      Hello Alison.

      Thanks for your question.

      To be eligible for this complimentary overseas travel insurance, before leaving Australia, you must have a return overseas travel ticket, and need to have prepaid at least A$500 of your travel costs using your eligible card. Travel costs include:

      Return overseas travel tickets
      Airport/departure taxes
      Prepaid overseas accommodation
      Prepaid overseas itinerary items.
      Please note for overseas travel insurance, the cover is only available to persons up to and including 80 years of age. Also, you will only be covered by the following:

      Medical and hospital expenses incurred overseas
      Loss or damage to personal property
      Legal liability
      Rental vehicle excess
      Unexpected cancellation of travel arrangements and other unexpected expenses.
      Limits apply if you have eligible pre-existing medical conditions.

      if you have further questions please feel free to contact QBE for more info.

      I hope this helps.

      Cheers!
      Chester

  3. Default Gravatar
    Jane | February 27, 2016

    Hi there,

    Will I earn points if I make a deposit into major gambling sites?

    Cheers,

    J.

    • Staff
      Sally | February 29, 2016

      Hi Jane,

      Thanks for your question.

      The St.George Amplify Rewards terms and conditions consider the purchase of tokens or gambling tokens as a cash advance and cash advances don’t accrue points.

      Therefore, it’s unlikely that your gambling purchases will earn points.

      I hope this has helped.

      Cheers,

      Sally

  4. Default Gravatar
    Gemma | February 15, 2016

    Hi.
    Will we earn reward point if we use the credit card to pay for ATO or tax dues.

    Regards,
    Gemma

    • Staff
      Ally | February 15, 2016

      Hi Gemma,

      Thanks for your inquiry.

      Unfortunately, any government charges that may be charged to your card account are not eligible to earn rewards points.

      Kindly refer to the link I sent to your email for more information.

      I hope this has helped.

      Cheers,
      Ally

  5. Default Gravatar
    Kalliopy | December 17, 2015

    I was originally advised that our credit card had reward points not for flights but for purchasing items from different retail stores how can I find out this information is true and what our balance is, it was part of the package that came when we took out our home loan.

    • Staff
      Sally | December 17, 2015

      Hello Kalliopy,

      While you can only earn points on purchases made with your St.George Amplify Signature credit card, you can redeem your rewards for either Amplify rewards (to redeem your merchandise, gift cards, travel deals and experiences via the Amplify store) or Qantas Frequent Flyer points.

      You can check your balance by logging into your St.George Amplify rewards account online.

      I’ve emailed you a link to the St.George Amplify Signature Credit Card rewards page for further information.

      Cheers,

      Sally

  6. Default Gravatar
    Caron | November 3, 2015

    hi…i have west pac credit cards. Is it possible to transfer them to the St George credit card?
    thanks

    • Staff
      Sharon | November 3, 2015

      Hi Caron, thanks for your inquiry!

      Balance transfers from Westpac credit cards to St.George are accepted. Please note that your balance transfer amount will need to be within 95% of your approved credit limit for the new credit card.

      Cheers,

      Sharon

    • Staff
      Jonathan | November 3, 2015

      Hi Caron, thanks for your inquiry!

      Balance transfers from Westpac to St.George are accepted providing the following conditions are met 1) your requested balance transfer amount is within 95% of your approved credit limit with your new St.George credit card 2) you meet the application requirements for the St.George credit card.

      Cheers,

      Jonathan

  7. Default Gravatar
    | October 23, 2015

    Hi,

    If I pay using credit card direct with the vendor (not using BPAY), can you please confirm which of these purchases are eligible to earn Qantas points.

    Thanks
    David

    - House Insurance
    - Car Insurance
    - Council Rates
    - Electricity Rates
    - Water Rates
    - Tax Bills
    - Phone Bill
    - Foxtel Bill
    - Internet Bill
    - Dentist
    - Optical
    - Doctor
    - Health Insurance
    - Petrol/Fuel
    - Car Rego
    - Memberships/Fees (Gym, Childcare etc)
    - Grocery shopping
    - Subscriptions (online services etc.)

    • Staff
      Sally | October 23, 2015

      Hi David,

      Thanks for your question.

      As stated in the St.George Amplify Qantas Rewards terms and conditions, St.George Amplify Signature credit card holders can earn 0.75 points for every $1 spent on eligible purchases at any Australian merchant and 1.5 points for each $1 spent on eligible purchases at any overseas merchant. I’ve emailed you a link to St.George’s rewards terms and conditions for your perusal.

      On the other hand, you do not earn points on balance transfers, BPAY transactions and cash advances.

      I hope this has helped.

      Thanks,

      Sally

  8. Default Gravatar
    | October 14, 2015

    Will I earn Qantas points when paying my household bills using BPay via this card?

    • Staff
      Jonathan | October 15, 2015

      Hi David, thanks for your inquiry!

      Unfortunately ‘bill payments’ are not included as per the terms and conditions.

      “Please note that Amplify Points are not earned in respect of the following amounts that may be charged to your Card Account:

      -bill payments and other payments made through the BPAY Electronic Payments Scheme.”

      Cheers,

      Jonathan

  9. Default Gravatar
    Robbo | October 12, 2015

    Do you still get the 60,000 bonus points with this card?

    • Staff
      Jonathan | October 13, 2015

      Hi Robbo, thanks for your inquiry!

      Unfortunately this card is not currently offering the bonus points promotion. You can compare more bonus points offers on this page.

      Cheers,

      Jonathan

  10. Default Gravatar
    Niksta | July 28, 2015

    Does this card allow you to have an additional cardholder, and if so is the additional card free?

    • Staff
      Jonathan | July 29, 2015

      Hi Niksta, thanks for your inquiry!

      This card allows you to have 1 additional cardholder at no extra cost.

      Cheers,

      Jonathan

Credit Cards Comparison

Rates last updated September 27th, 2016
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Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
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