Flight value
$216 after fees
26,000 Krisflyer points, estimated value · 75,000 St.George Amplify points · spend $3,000 in 90 days
Available
I'd like to use my bonus for:
26,000 Krisflyer points at 1.5¢ − $174 first-year fees. Flight value is an estimate, not cash. Assumes you earn the bonus and pay in full.
These terms are currently available (site published 11 Oct 2026).
What this calculation assumes
- You make the required purchases and the bonus is paid.
- You pay the balance in full — any interest changes the outcome.
- The required spend is ordinary planned spending, not extra cost.
- Gift-card rates are the recorded redemption catalogue, rechecked at renewal.
Did this help you make a decision?
Can I get this?
This is a public offer.
Can I get this bonus if I have held a card before?
The bonus holding rule for this offer is unverified. Check the offer terms before applying.
See exclusion periods for every Australian issuer →What must I spend?
$3,000 within 90 days — about $1,000 per month. The terms on this page don't record when the clock starts or how long the bonus takes to arrive after you qualify — check the issuer terms for both.
Can I get the card?
$6,000 minimum credit limit — a lending commitment, not a reward fact.
No minimum income recorded — this does not mean there is none.
Lending approval is separate from bonus eligibility: approval gets you the card, the conditions above get you the bonus.
How long is this available?
No recorded end date — this does not mean it never ends. Availability is rechecked against the issuer page.
What else makes the card useful?
Reward use
Ways to turn points into value.
- Points Transfer Benefits Compare across cards →Amplify Rewards points can be converted to Everyday Rewards points and transferred to airline/frequent flyer and other transfer-partner programs; eligibility and T&Cs apply
Check membership, transfer ratios, minimums, and fees before choosing gift cards or flights.
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Amplify Rewards points can be converted to Everyday Rewards points and transferred to airline/frequent flyer and other transfer-partner programs; eligibility and T&Cs apply
No source recorded for this benefit.Learn more
Purchase protection
Cover on things you buy with the card. Limits, excesses, and activation conditions apply.
- Purchase Protection Insurance Compare across cards →New items charged to the card covered against theft, accidental damage or loss for 4 months, up to $10,000 per item ($3,500 for jewellery, watches and new works of art); $300 excess applies
Check the cover period, the card-payment condition, claim limits, and excess.
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New items charged to the card covered against theft, accidental damage or loss for 4 months, up to $10,000 per item ($3,500 for jewellery, watches and new works of art); $300 excess applies
- Extended Warranty Insurance Compare across cards →Extends the manufacturer's Australian warranty on eligible products by an equal period up to a maximum of 2 extra years, up to $20,000 per product; $300 excess applies
Check how much extra cover it adds, which warranty lengths qualify, limits, and excess.
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Extends the manufacturer's Australian warranty on eligible products by an equal period up to a maximum of 2 extra years, up to $20,000 per product; $300 excess applies
Travel
Travel cover and perks. Most need qualifying bookings or payment with the card.
- Hotel Benefits Compare across cards →Access to Visa Luxury Hotel Collection with best available rate guarantee, room upgrade when available and one daily breakfast per person; valid at participating properties when paying with the Visa card
Check qualifying bookings and availability.
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Access to Visa Luxury Hotel Collection with best available rate guarantee, room upgrade when available and one daily breakfast per person; valid at participating properties when paying with the Visa card
No source recorded for this benefit.Learn more - Travel Insurance Compare across cards →Complimentary international travel insurance for cardholders under 81 for trips up to 3 consecutive months (Level 2 Card) when at least $500 of prepaid travel is charged to the card and a return ticket is held; overseas emergency medical, evacuation and cancellation cover is…
Check the cover period, the activation condition, and who counts as an insured person.
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Complimentary international travel insurance for cardholders under 81 for trips up to 3 consecutive months (Level 2 Card) when at least $500 of prepaid travel is charged to the card and a return ticket is held; overseas emergency medical, evacuation and cancellation cover is unlimited (no capped sum). Also includes domestic Interstate Flight Inconvenience cover (cancellation up to $3,000, flight/luggage delay) when the return interstate flight is charged to the card
- Transit Accident Insurance Compare across cards →Overseas Transit Accident Insurance pays a benefit for injury (up to $750,000 for loss of life) while travelling as a passenger on public transport when the entire trip cost is charged to the card
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Overseas Transit Accident Insurance pays a benefit for injury (up to $750,000 for loss of life) while travelling as a passenger on public transport when the entire trip cost is charged to the card
- Rental Vehicle Insurance Compare across cards →Rental vehicle excess cover in Australia and overseas up to $5,500 (or the excess specified in the rental agreement, whichever is lesser) for a vehicle damaged or stolen while in your custody; $300 excess applies
Check overseas rental excess separately from Australian cover, plus limits and activation for each.
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Rental vehicle excess cover in Australia and overseas up to $5,500 (or the excess specified in the rental agreement, whichever is lesser) for a vehicle damaged or stolen while in your custody; $300 excess applies
Everyday savings
Discounts and cashback on spending. Activation and caps vary.
- Shopping Benefits Compare across cards →Access to My Offers Hub deals and discounted gift cards, plus personalised Visa Offers and Perks discounts
Check activation and purchase conditions. Amounts here don't add to the bonus calculation.
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Access to My Offers Hub deals and discounted gift cards, plus personalised Visa Offers and Perks discounts
No source recorded for this benefit.
Account management
Tools for running the account — repayment helpers, not reward value.
- Interest Free Periods Compare across cards →Up to 55 days interest free on purchases when the Monthly Payment Balance is paid in full by the due date each month; does not cover cash advances
Interest-free terms change often — confirm the current days with the issuer before applying. This recorded term may be out of date.
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Up to 55 days interest free on purchases when the Monthly Payment Balance is paid in full by the due date each month; does not cover cash advances
No source recorded for this benefit. - Installment Plans Compare across cards →Plan&Pay lets cardholders split eligible purchases into fixed monthly instalments
Check applicable charges and eligibility — a repayment plan, not reward value.
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Plan&Pay lets cardholders split eligible purchases into fixed monthly instalments
No source recorded for this benefit. - Digital Wallet Integration Compare across cards →Supports Apple Pay, Google Pay and Samsung Pay
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Supports Apple Pay, Google Pay and Samsung Pay
No source recorded for this benefit. - No Additional Cardholder Fee Compare across cards →Add one additional cardholder aged 16 or over for free, with all spend and points kept on the one account
Check account liability and age or redemption restrictions.
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Add one additional cardholder aged 16 or over for free, with all spend and points kept on the one account
No source recorded for this benefit. - Online Banking Features Compare across cards →Repayment management tools via St.George Internet and Mobile Banking including Plan&Pay, Autopay, and SMS and email alerts
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Repayment management tools via St.George Internet and Mobile Banking including Plan&Pay, Autopay, and SMS and email alerts
No source recorded for this benefit.
Should I keep it after the first year?
Renewal costs $250 each year ($175 annual fee + $75 program fee) — first year was $174.
Second year pays 25,000 St.George Amplify points if you still hold the card into year two. The recorded terms don't detail the exact second spend hurdle — check the issuer terms before counting on it.
Ongoing earn: 1.00x St.George Amplify points per $1.
Keeping pays off only if you meet the second-year conditions and use the points and benefits enough to cover $250/yr.
Year-two points aren't dollar-valued here: the redemption catalogue may change before renewal, so recheck the rate then.
Terms and evidence
Full current terms
Offer terms
First Year Points
75,000 points
St.George Amplify
Second Year Points
25,000 points
With $175 annual fee
Minimum Spend
$3,000
within 90 days (about 3 months)
Ongoing Earn Rate
1.00x points per $1 spent
Fees
First Year Annual Fee
$99
Ongoing Annual Fee
$175
From year 2 onwards
Program Fee
$75
Additional fee for reward program participation
Purchase Interest Rate
23.98% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefit history (8 changes)
- Travel InsuranceUpdated May 2026
- Hotel BenefitsUpdated May 2026
- Interest Free PeriodsUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
- No Additional Cardholder FeeUpdated May 2026
- Transit Accident InsuranceUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
Offer terms history
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 11 Oct 2026
Availability changed from ended to available; conditions unchanged.
Changes from terms version 13
Changes from terms version 12
Changes from terms version 11
Changes from terms version 10
No recorded term changes from the previous version.
No recorded term changes from the previous version.
Changes from terms version 7
Changes from terms version 6
Changes from terms version 5
Changes from terms version 4
Changes from terms version 3
Changes from terms version 2
Changes from terms version 1
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Archived notes
Earlier notes about this offer, kept as an archive — not current terms. Note dates are separate from terms publication dates.
- Expiration changed from 30/04/24 to 31/07/243 years ago
- Expiration changed from 06/11/23 to 30/04/24, Bonus from 90K to 100K, Second Year Annual Fee from 99 to 1243 years ago
- Offer expiry moved from 30/11 to 6/113 years ago
- Krisflyer redemtion changed from 2:1 to 3:13 years ago
- Second year annual fee increased from $99 to $1243 years ago
- Offer extended to 19 july 20233 years ago
- Annual fee increased from $29 to $49. Kayo deal removed. Bonus lowered from 100k to 90k4 years ago
- Offer extended to 30/11/224 years ago
- Expiration changed from 31/12/2022 to 30/11/20224 years ago
Discussion
About the current terms (published 11 Oct 2026).
Community and personal tools
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