Card
Offer
St.George Amplify Rewards Signature (Existing customers, through log in)
For existing customers
Offer terms
First Year Points
100,000 points
St.George Amplify
Second Year Points
100,000 points
With $295 annual fee
Minimum Spend
$12,000
within 12 months
Ongoing Earn Rate
1.00x points per $1 spent
Fees
First Year Annual Fee
$149
Ongoing Annual Fee
$295
From year 2 onwards
Program Fee
$75
Additional fee for reward program participation
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.
Recorded benefits
- No Foreign Currency Conversion Fee
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3% fee of the Australian dollar value for transactions with merchants based overseas.
- Lounge Access2 visits/year · Priority Pass
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Amplify Rewards cardholders get 2 complimentary Priority Pass lounge visits each year; primary cardholders only, must enrol at prioritypass.com/amplifysignature; extra and guest visits charged to the card
- Concierge Service
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Personal concierge service exclusive to Amplify Signature cardholders to explore and book experiences, hard-to-find tickets and last-minute reservations; provided by a third-party supplier
- Digital Wallet Integration
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Supports Apple Pay, Google Pay and Samsung Pay
- No Additional Cardholder Fee
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Add a complimentary additional cardholder aged 16 or over at no fee; additional cardholders cannot redeem rewards
- Interest Free Periods
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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
- Installment Plans
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Plan&Pay lets you split eligible purchases into instalment plans
- Points Transfer Benefits
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Amplify Points can be converted to transfer-partner rewards/frequent flyer points or to Everyday Rewards points; you must be a member of the relevant transfer partner program, T&Cs and a joining fee may apply
- Hotel Benefits
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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 at participating properties
- Shopping Benefits
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Discounted gift cards and special deals via the My Offers Hub, plus access to Visa Offers and Perks discounts
- Online Banking Features
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Repayment management tools including Plan&Pay, Autopay, and SMS and email alerts via St.George Internet and Mobile Banking
- Travel Insurance
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Complimentary international travel insurance for trips up to 6 months (Level 1 Card) when at least $500 of prepaid travel costs are charged to the card; overseas emergency medical and evacuation are unlimited, plus cancellation, luggage, rental vehicle excess and personal liability cover. Also includes Interstate Flight Inconvenience Insurance for domestic flights ($3,000 cancellation, flight/luggage delay, $1,500 luggage)
- Purchase Protection Insurance
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Items purchased on the card covered against theft, accidental damage or permanent loss for 4 months, up to $10,000 per item ($3,500 for jewellery, watches and new works of art), $135,000 total per 12 months; $300 excess
- Extended Warranty Insurance
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Extends the manufacturer's Australian warranty on eligible products purchased on the card for an equal period up to a maximum of 2 extra years (no cover if warranty exceeds 5 years), up to $20,000 per product; $300 excess
- Rental Vehicle Insurance
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Rental Vehicle Excess in Australia cover (and overseas rental vehicle excess under travel insurance) up to $5,500 when the rental is charged to the card; $300 excess
- Transit Accident Insurance
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Overseas Transit Accident Insurance pays up to $750,000 for loss of life and up to $500,000 for specified injuries while travelling on public transport overseas when the trip is charged to the card
Benefit history
- Lounge AccessUpdated May 2026
- Interest Free PeriodsUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
- Hotel BenefitsUpdated May 2026
- Concierge ServiceUpdated May 2026
- No Additional Cardholder FeeUpdated May 2026
- Rental Vehicle InsuranceUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
- Travel InsuranceUpdated May 2026
I'd like to use my bonus for:
Craig's AnalysisBonus Difficulty
Easy
●○○$33 per day required
First Year Cost
$224
annual fee + $75 program fee
Bonus Value
$450
112,000 points redeemed in Woolworths gift cards
Earn Rate
Average
●●○○1.00x St.George Amplify points per $1
Travel Benefits
Lounge Access
2 complimentary Priority Pass lounge visits each year (when you enrol)
Did this help you make a decision?
Can I get this bonus if I've had a card from St.George before?
You generally need to wait 24 months after your last St.George sign-up bonus before you can earn this one. St.George shares one exclusion clock with Bank of Melbourne, so a bonus from that brand counts too.
See exclusion periods for every Australian issuer →
Hi all,
I'm trying to complete this page, but I don't currently have a St.George card so I can't log in to see the points required for the gift cards. If you have a card and can tell me the points for the different Coles/Woolworths gift cards please let me know.
Craig
Offer terms history
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 2 Oct 2026
Changes from terms version 10
Changes from terms version 9
Changes from terms version 8
No recorded term changes from the previous version.
No recorded term changes from the previous version.
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
Saved notes
Earlier notes about this offer. 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 30/04/243 years ago
- Added, first year annual fee is $993 years ago