St.George Amplify Rewards Signature Card
The St.George Amplify Rewards Signature card earns points that you can transfer to Singapore Airlines KrisFlyer miles or Virgin Australia Velocity points. Plus, get 10% “birthday bonus” points each year.
- Signup bonus
- 150,000 Amplify Rewards Points, when you spend a minimum of $12,000 on eligible purchases within the first 12 months from approval
- Points Earned
- 1.5 Amplify Points for every $1 spent on eligible purchases
- Annual fee
- $199 in the first year, $295 p.a. ongoing
Australian Frequent Flyer is currently not accepting applications for this card offer.
Get notified when it’s live.
Why we like the St.George Amplify Rewards Signature card
If you’re looking for a great credit card that earns points which are transferrable to Singapore Airlines KrisFlyer and Virgin Australia Velocity, look no further than the St.George Amplify Signature card. You’ll earn 1.5 Amplify Rewards points per dollar, uncapped, which convert at a 2:1 rate to Velocity or 3:1 rate to KrisFlyer. Plus, receive a 10% “birthday bonus” each year!
This card also includes same handy travel perks such as two annual Priority Pass lounge visits and complimentary travel insurance. And to top it off, there’s a great sign-up bonus.
Key Information & How to Apply
Key facts about this card
- Card type
- Visa
- Signup bonus
- 150,000 Amplify Rewards Points, when you spend a minimum of $12,000 on eligible purchases within the first 12 months from approval
- Annual fee
- $199 in the first year, $295 p.a. ongoing
- Interest rate
- 20.99% p.a.
- Interest-free days
- Up to 55 days
- Minimum monthly repayment
- 2% of outstanding balance or $10, whichever is higher
- Minimum credit limit
- $15000
- International transaction fee
- 3%
To apply for this card, you will need
- To be an Australian citizen, resident or long-term visa holder aged 18 or over
- No history of bad debt or payment default
- Your Australian driver’s licence number and proof of income
- 10-15 minutes to complete your application
Australian Frequent Flyer is currently not accepting applications for this card offer.
Get notified when it’s live.
Contents
Sign-up bonus
Apply for a St.George Amplify Rewards Signature card by 30 November 2023 to earn 150,000 bonus Amplify points! That’s equal to 75,000 Virgin Australia Velocity points or 50,000 Singapore Airlines KrisFlyer miles, or up to $675 in gift cards.
To receive the bonus points, you would need to spend at least $12,000 on eligible transactions on your card within 12 months of approval.
This offer is not available to existing St.George, Bank of Melbourne or BankSA cardholders, or if you have held a credit card from any of those banks in the last year.
To give you an idea, it would cost 40,500 KrisFlyer miles and around $96 in taxes for a Singapore Airlines Business Saver award from Perth to Bangkok via Singapore.
Travel benefits
Here’s an overview of the travel benefits you can expect…
Airport lounge access
As a St.George Amplify Rewards Signature cardholder, you’ll receive complimentary Priority Pass Standard membership with two annual included lounge passes upon registration. This membership also entitles you to additional Priority Pass lounge visits or guests at a cost of USD35 per visit.
The Priority Pass network has over 1,300 airport lounges including in Sydney, Melbourne, Perth and Adelaide. See our guide to Priority Pass for a full list of Australian airport lounge locations, or the Priority Pass website to search for global lounge locations.
Complimentary travel insurance
This card comes with complimentary access to international travel insurance. It also includes interstate flight inconvenience insurance and rental vehicle excess cover in Australia.
This insurance is underwritten by Allianz. To be eligible for the international travel insurance benefit, you would need to:
- Live in Australia,
- Be less than 81 years old,
- Start and end your journey in Australia,
Have a return overseas travel ticket before leaving Australia, and - Spend at least $500 towards your trip on your St.George credit card before leaving Australia.
Before using this insurance, we’d encourage you to read the PDS here.
Visa Luxury Hotels
As a St.George Amplify Signature cardholder, you’ll get access to Visa’s Luxury Hotel Collection. This provides a “best available rate guarantee” and upgrade benefits when using your Visa credit card to book participating hotels through Visa Luxury Hotels.
Earning points
With a St.George Amplify Rewards Signature card, you’ll earn 1.5 Amplify Points per $1 spent on eligible transactions (excluding government payments). That’s effectively 0.75 Virgin Australia Velocity points or 0.5 Singapore Airlines KrisFlyer miles per dollar spent.
There is no monthly or annual point-earning cap. You can earn an unlimited number of points at the full rate.
Amplify Rewards points do not expire as long as your account remains active. Therefore, it would be a good idea to keep them in your Amplify account until you’re ready to use them (or wait for a good bonus offer before transferring them to an airline)!
Please note that it’s not possible to transfer Amplify Points to Qantas Frequent Flyer. However, St.George also offers the Amplify Qantas Signature card that earns Qantas points exclusively.
Birthday bonus
Each year, within four weeks of your birthday, St.George will credit an additional 10% of the points you’ve earned over the previous 12 months to your Amplify Rewards account! This means that you’re effectively earning 0.825 Velocity points or 0.55 KrisFlyer miles per dollar spent, assuming you keep your card open until after you’ve received your birthday bonus for that year.
Earning points for ATO & government payments
Unfortunately, payments made directly to the Australian Tax Office (ATO) or other government bodies in Australia with your St.George Amplify Rewards Signature card are not eligible to earn points.
However, you can use a payment service such as pay.com.au to pay tax and other bills with this card, and still earn points at the full rate!
Using Amplify Points
Amplify Points can be converted to the loyalty programs of the following airlines, with a minimum transfer of 3,000 points per transaction:
| Transfer partners | 1 Amplify point equals… |
|---|---|
| Singapore Airlines KrisFlyer | 0.33 miles |
| Virgin Australia Velocity | 0.5 points |
See our Overview of Amplify Rewards Transfer Partners for more information.
Alternatively, you could redeem your points through the Amplify Rewards program for rewards including:
- Gift cards
- Merchandise including tech gadgets, appliances, wine or movie tickets
- Travel bookings including flights, hotels and car hire
Summary
Pros
- Good earn rate for cardholders wishing to transfer their Amplify Rewards points to KrisFlyer or Velocity
- No points capping
- Receive two annual Priority Pass lounge visits
- Warehouse your points in Amplify Rewards and transfer them as needed to Velocity or KrisFlyer, avoiding KrisFlyer’s 3 year expiry
- Birthday bonus points
- Complimentary travel and other insurances
- Compatible with Apple Pay, Google Pay & Samsung Pay
Cons
- International transaction fees apply
- Points are no longer earned on spend with the ATO
- High interest rate (this could be a problem if you don’t think you’ll be able to repay your balance in full each month)
- Signup bonus
- 150,000 Amplify Rewards Points, when you spend a minimum of $12,000 on eligible purchases within the first 12 months from approval
- Points Earned
- 1.5 Amplify Points for every $1 spent on eligible purchases
- Annual fee
- $199 in the first year, $295 p.a. ongoing
Australian Frequent Flyer is currently not accepting applications for this card offer.
Get notified when it’s live.
Frequently Asked Questions (FAQs)
To apply for a St.George Amplify Rewards Signature credit card, you would need to be an Australian citizen, resident or long-term visa holder aged 18 or over with a regular, verifiable Australian taxable income and a residential address in Australia.
The minimum credit limit is $15,000.
St.George Amplify Rewards Signature cardholders receive two annual complimentary Priority Pass lounge invitations.
Each year, within four weeks of your birthday, you’ll receive 10% of the Amplify Points you’ve earned over the previous year credited to your Amplify Rewards account as an additional bonus.
The St.George Amplify Rewards Signature card earns Amplify Points, which can be converted to Velocity points or KrisFlyer miles, or redeemed for merchandise, gift cards or travel bookings through the Amplify Rewards portal. This card also comes with two annual Priority Pass lounge visits. By contrast, the St.George Amplify Qantas Signature card earns Qantas points and comes with two annual complimentary Qantas lounge invitations.
Amplify Points do not expire, as long as your account remains open and in good standing. This can be useful as it means you can keep the points in your account until you’re ready to redeem them or transfer the points to a frequent flyer program of your choice – preventing them from expiring in the airline’s program.
Yes, this card supports Apple Pay, Google Pay and Samsung Pay. So, you can still use this card to make purchases when you’re out and about without carrying the physical card.
Yes, you can add a second cardholder for free who must be at least 16 years old.