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[Rewards Cards chevron-left viewBox="0 0 18 30" style="enable-background:new 0 0 18 30;" xml:space="preserve">](https://www.stgeorge.com.au/personal/credit-cards/rewards) 

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# Amplify Signature Card

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Amplify Signature Card

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Our premier credit card offers the highest earn rate for rewards points. Enjoy exclusive extras like lounge passes, travel insurance and concierge support. 

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## Why choose an Amplify Signature card?

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| **20.99% p.a.**   | Variable purchase rate     |
| ----------------- | -------------------------- |
| **Up to 55 days** | Interest free on purchases |
| **$15,000**       | Minimum credit limit       |

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See below for standard rates and fees.

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## Rewards programs 

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Choose to earn Amplify Rewards points if you want the flexibility of redeeming your points on a range of gift cards, travel, saving on groceries and more. If you prefer to earn Qantas Points straight to your Frequent Flyer account each month, select Amplify Qantas.

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__Amplify Rewards Signature__
| Amplify Rewards Signature   **Special offer:**  Earn up to 160,000 bonus Amplify Points plus a $199 first year card fee (reverts to $295 p.a. thereafter) . **Already with St.George?** Sign in to apply and get $99 first year card fee (reverts to $295 p.a. thereafter) . New cards only. **Card features** $0 annual Rewards Program Fee 3 Amplify points per $1 on international spend 2 Amplify points per $1 on everyday spend 1 Amplify point per $1 spend on all other purchases  Once you spend $10,000 in a statement cycle, you will earn 0.5 Amplify points per $1 on further eligible purchases **Plus extra benefits** St.George Bonus Cashback on [ShopBack](https://www.stgeorge.com.au/online-services/shopback) Complimentary insurances Complimentary lounge passes Personal concierge service Discounted gift cards and special deals on the [My Offers Hub](https://www.stgeorge.com.au/online-services/my-offers-hub) Acess to Visa’s Luxury Hotel |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [ Not yet with us?](https://www.stgeorge.com.au/personal/credit-cards/rewards/amplify-signature/summary) [ Not yet with us?](https://www.stgeorge.com.au/personal/credit-cards/rewards/amplify-signature/summary) [ Already with us? Sign in to apply](https://ibanking.stgeorge.com.au/ibank/?actionType=amplify-signature-rewards&promoCode=RRBX6) [ Already with us? Sign in to apply](https://www.cmsservices.stgeorge.com.au/app/banking/action?ActionType=wdpui&context=Logon&targetpath=https%3A%2F%2Fwww.ui.stgeorge.com.au%2Forigin%2Fetb0%2Fcontent%2Fproducts%2Fcredit-cards%2Famplify-signature-rewards%2Fsummary%3FpromoCode%3DRRBX6&webfallback=https%3A%2F%2Fibanking.stgeorge.com.au%2Fmb%2F%3FActionType%3Damplify-signature-rewards%26promoCode%3DRRBX6)                                                                                                                                                                                                |

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__Amplify Qantas Signature__
| Amplify Qantas Signature   **Special offer:** Earn up to 120,000 bonus Qantas Points. **Already with St.George?** Sign in to apply and get a $150 first year card fee (reverts to $295 p.a. thereafter). A $75 annual Qantas Rewards Program fee still applies. New cards only. **Card features** 1.2 Qantas Points per $1 on international spend 0.8 Qantas Points per $1 on everyday spend 0.5 Qantas Points per $1 spend on all other purchases Whether you are purchasing groceries or stocking up on Qantas Wine, you can earn points twice when you use your Qantas Points earning credit card to do your shopping with Qantas and their partners.  Once you spend $10,000 in a statement cycle, you will earn 0.25 Qantas Points per $1 on further eligible purchases **Plus extra benefits** 'Double dip' for more Qantas Points St.George Bonus Cashback on [ShopBack](https://www.stgeorge.com.au/online-services/shopback) Complimentary insurances Complimentary lounge passes Personal concierge service Discounted gift cards and special deals on the [My Offers Hub](https://www.stgeorge.com.au/online-services/my-offers-hub) Access to Visa’s Luxury Hotel |
| ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [ Not yet with us?](https://www.stgeorge.com.au/personal/credit-cards/frequent-flyer/amplify-signature/summary) [ Not yet with us?](https://www.stgeorge.com.au/personal/credit-cards/frequent-flyer/amplify-signature/summary) [ Already with us? Sign in to apply](https://ibanking.stgeorge.com.au/ibank/?actionType=amplify-signature-qantas&promoCode=RRAX6) [ Already with us? Sign in to apply](https://www.cmsservices.stgeorge.com.au/app/banking/action?ActionType=wdpui&context=Logon&targetpath=https%3A%2F%2Fwww.ui.stgeorge.com.au%2Forigin%2Fetb0%2Fcontent%2Fproducts%2Fcredit-cards%2Famplify-signature-qantas%2Fsummary%3FpromoCode%3DRRAX6&webfallback=https%3A%2F%2Fibanking.stgeorge.com.au%2Fmb%2F%3FActionType%3Damplify-signature-qantas%26promoCode%3DRRAX6)                                                                                                                                                                                                                                                                                                                                                                                         |

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## Why you’ll love the Amplify Signature card

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### Amplify Points

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Earn up to 3 Amplify points per $1 spent on eligible purchases, when you select Amplify Rewards  

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Earn up to 1.2 Qantas Points per $1 spent on eligible purchases, when you select Qantas Rewards

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### Complimentary lounge passes

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If you select Amplify rewards, enjoy 2 complimentary Priority Pass lounge visits each year when you enrol at [prioritypass.com/amplifysignature](https://www.prioritypass.com/amplifysignature)

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If you select Amplify Qantas, enjoy 2 complimentary Qantas lounge visits each year when you register your details at [loungepass.stgeorge.com.au](https://loungepass.stgeorge.com.au/)

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### Shop through ShopBack. Get Cashback.

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Link and pay with your eligible St.George credit card to get exclusive bonus Cashback when you shop on the new St.George Lounge on the [ShopBack app](https://www.stgeorge.com.au/online-services/shopback).

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## Put a 'yay' in Everyday

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Turn your Amplify points into Everyday Rewards points and get more value at the checkout. [Learn more](https://www.stgeorge.com.au/personal/credit-cards/everydayrewards)

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_Eligibility, min and max points transfer and T&Cs apply._ 

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Exclusive to Amplify Signature cardholders, our Concierge Service allows you to explore and book experiences online, including hard-to-find tickets, last-minute reservations and more. [Find out more](https://stgeorge.tenconcierge.com/).

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Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 6 months’ complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance. (terms, conditions, exclusions and eligibility criteria apply).

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Add a second cardholder (16 or over) for free, while keeping all the spend and points on the one account. And your points balance will grow even faster. Additional cardholders cannot redeem rewards.

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Feel confident using our cards, with 24/7 [fraud monitoring](https://www.stgeorge.com.au/online-services/security-centre/we-protect-you), [Secure Online Shopping Service](https://www.stgeorge.com.au/online-services/security-centre/protect-yourself/secure-online-shopping), and the St.George [Fraud Money Back Guarantee](https://www.stgeorge.com.au/online-services/security-centre/we-protect-you).[](https://www.stgeorge.com.au/online-services/security-centre/we-protect-you)

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## Rates, minimum requirements and fees

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[Rates](#accordion-STABLE-1) 

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Variable purchase rate – **20.99% p.a.**

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Variable cash advance rate – **21.99% p.a.**

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[Minimum requirements](#accordion-STABLE-2) 

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Minimum credit limit - **$15,000**

[Fees](#accordion-STABLE-3) 

| Annual card fee                       | **$295**                                                                                                                                                                                                                                                                                                                                                        |
| ------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Annual rewards program fee for Qantas | **$75**                                                                                                                                                                                                                                                                                                                                                         |
| Foreign transaction fee               | **3%** Payable as a percentage of the Australian dollar value of any foreign transaction. Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. |
| Cash advance fee                      | **3%** of the value of the transaction will apply to each cash advance made on your card account. These charges will appear on your credit card statement directly below the relevant cash advance.                                                                                                                                                             |
| Missed payment fee                    | **$15** each statement cycle that the minimum monthly payment is not paid by the statement due date.                                                                                                                                                                                                                                                            |

 New cards only.

Fees and rates are subject to change. Read our [credit card key facts sheet](https://www.stgeorge.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet "Credit card key facts sheet").

### Looking for something else?

Our platinum credit card has a lower annual fee and the ability to earn points. Enjoy travel related benefits designed to make your journey safe and convenient.

[ Amplify Platinum Card](https://www.stgeorge.com.au/personal/credit-cards/rewards/amplify-platinum) [ Amplify Platinum Card](https://www.stgeorge.com.au/personal/credit-cards/rewards/amplify-platinum) 

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**^Amplify Signature Bonus Amplify Points Offer:** Offer commenced 27th August 2025\. To be eligible for bonus Amplify Reward Points, you must apply and be approved for a new Amplify Rewards Signature card before the offer is withdrawn. You will receive an initial 120,000 bonus points if you spend a minimum amount of $12k on eligible purchases on the Amplify Signature credit card within 12 months from card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. You will receive an additional 40,000 bonus points if you keep your account open for more than 12 months and continue to use the card. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active. If you do not meet the minimum spend criteria within 12 months from card approval, you forfeit the initial 120,000 bonus points only. However, you are still eligible for the additional 40,000 bonus points in the second year if you continue to use your card. Eligible purchases do not include interest, fees and charges, cash, or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Existing customers who currently hold 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, or Credit Card Product Switches, upgrades or Westpac group staff are not eligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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**<Converting Amplify Points:** You can convert the points earned on your Amplify Rewards Signature or Amplify Rewards Platinum credit card to e-gift cards via your Amplify Rewards Account, which can be accessed via St.George Internet or Mobile Banking. The estimated e-Gift card value in the above examples are based on current redemption rates as at 4th April 2022 and is subject to change without notification. All redemption of Amplify Points are subject to availability and the [ PDF-file Amplify Terms and Conditions (PDF 1MB)](https://www.stgeorge.com.au/content/dam/stg/downloads/personal/credit-cards/stg%5Famplify%5Fterms%5Fand%5Fconditions.pdf).

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**Amplify Rewards Signature Discounted First Year Fee:** Offer commenced 27th August 2025\. The discounted first year card fee promotion is available when you apply and are approved for a new Amplify Rewards Signature credit card before the offer is withdrawn. The first year card fee at the special promotional rate will be debited to your card account on your Card Fee date and the full card fee will be debited annually thereafter. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion. 

**Existing Customer Amplify Rewards Signature Discounted First Year Fee:** Offer commenced 27th August 2025\. The discounted first year card fee promotion is available for existing customers when you apply and are approved for a new Amplify Rewards Signature credit card before the offer is withdrawn. The first year card fee at the special promotional rate will be debited to your card account on your Card Fee date and the full card fee will be debited annually thereafter. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

**Amplify Qantas Signature Bonus Qantas Points Offer:** Offer commenced 26th March 2025\. To be eligible for bonus Qantas Points, you must apply and be approved for a new Amplify Qantas Signature credit card before the offer is withdrawn. You will receive an initial 90,000 bonus points if you spend $6k or more on eligible purchases within 120 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. You will receive an additional 30,000 bonus points if you keep your account open for more than 12 months and continue to use the card. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active. If you do not meet the minimum spend criteria within 120 days of card approval, you forfeit the initial 90,000 bonus points only. However, you are still eligible for the additional 30,000 bonus points in the second year if you continue to use your card. Eligible purchases do not include interest, fees and charges, cash, or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Existing customers who currently hold 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, or Credit Card Product Switches, upgrades or Westpac group staff are not eligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

**\~Existing Customer Amplify Qantas Signature Discounted First Year Fee:** Offer commenced 26th March 2025\. The discounted first year card fee promotion is available for existing customers when you apply and are approved for a new Amplify Qantas Signature credit card before the offer is withdrawn. The first year card fee at the special promotional rate will be debited to your card account on your Card Fee date and the full card fee will be debited annually thereafter. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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The earning and redemption of Amplify Points is subject to the [ PDF-file Amplify Terms and Conditions (PDF 1MB)](https://www.stgeorge.com.au/content/dam/stg/downloads/personal/credit-cards/stg%5Famplify%5Fterms%5Fand%5Fconditions.pdf?appAction=exit). Purchases that are not eligible to earn points include interest, fees and charges, cash, or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances.

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Note: Amplify Rewards and Amplify Qantas are separate rewards programs that each offer airport lounge passes. Cardholders are only eligible for lounge passes offered for their selected rewards program and conditions apply. Lounge passes are subject to expiry. Priority Pass is offered to Amplify Rewards Cardholders, who must enrol via [prioritypass.com/amplifysignature](https://prioritypass.com/amplifysignature "https://prioritypass.com/amplifysignature"). For full details visit [prioritypass.com/Conditions-of-use.cfm](https://www.prioritypass.com/en/conditions-of-use "prioritypass.com/Conditions-of-use.cfm"). Qantas Club Lounge Invitations is offered to Qantas Rewards Cardholders who must enrol via [loungepass.stgeorge.com.au](https://loungepass.stgeorge.com.au/ "https://loungepass.stgeorge.com.au/"). Access and use is subject to Qantas Club Rules. For full terms and conditions visit [qantas.com/qantasclub](http://www.qantas.com/qantasclub) and some exclusions apply.

**#Cashback** (including St.George bonus Cashback) is offered by ShopBack and not St.George. Cashback offers are not exclusive to St.George cardholders. St.George bonus Cashback is offered exclusively to St.George cardholders who have access to bonus Cashback on top of any other available Cashback. The ShopBack account is not a St.George account. To earn any Cashback, you must hold and maintain an account with ShopBack. Cashback is paid into your ShopBack account. Eligibility criteria, Cashback redemption, withdrawal conditions and [T&Cs apply](https://support.shopback.com.au/hc/en-gb/articles/360039114314). See [ShopBack](https://www.shopback.com.au/) for further details.

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You must be a member of the relevant transfer partner program to redeem Amplify Points for that partner’s rewards or frequent flyer points. The [ PDF-file Amplify Terms and Conditions (PDF 1MB)](https://www.stgeorge.com.au/content/dam/stg/downloads/personal/credit-cards/stg%5Famplify%5Fterms%5Fand%5Fconditions.pdf) and the terms and conditions of the relevant transfer partner programs apply. A joining fee may apply. For more information on the Amplify Rewards program, visit St George Amplify Rewards at [amplify.stgeorge.com.au](https://amplify.stgeorge.com.au/rewards/phoenix/stgeorge/ProgramInfo/sgbwelcome).

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**Priority Pass membership:** Complimentary Priority Pass membership is available to Amplify Signature Primary Cardholders earning Amplify Points through the Amplify Rewards program. To enrol go to [prioritypass.com/amplifysignature](https://prioritypass.com/amplifysignature "Click to go to the Priority Pass website to enrol"). Lounge usage in excess of two visits and all guest visits will incur an additional member/guest visit fee, which can be found on the Priority Pass website <https://www.prioritypass.com/join-prioritypass>, and will be charged directly to your Amplify Signature Credit Card. For full details visit Priority Pass website at [www.prioritypass.com/en/conditions-of-use](https://www.prioritypass.com/en/conditions-of-use). Any accompanying guests will be charged the current rate, available on the Priority Pass website <https://www.prioritypass.com/join-prioritypass>, which will be automatically charged to the Cardholder’s Amplify Signature Credit Card. The date of each visit determines which year of membership the visit is allocated to. Unused visits cannot be carried forward to the following year of membership. The number of free visits will be reset to two per each 12-month period. Renewal terms and conditions are at the discretion of Priority Pass Ltd. For full details visit Priority Pass website at [prioritypass.com/Conditions-of-use.cfm](https://www.prioritypass.com/en/conditions-of-use "Click to go to the Priority Pass conditions of use website").

**Concierge Services** are provided by a third party supplier. For further details including terms and conditions visit [www.stgeorge.tenconcierge.com](https://stgeorge.tenconcierge.com/?appAction=exit)  

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An additional credit card can be issued on the primary cardholder's account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. All Amplify Points remain the benefit of the primary cardholder.