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[Frequent Flyer 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/frequent-flyer) 

# Amplify Qantas Signature

Amplify Qantas Signature

Our top-tier credit card for people who love Qantas Points

* [Quick snapshot](#snapshot)
* [Special offer](#offers)
* [Why?](#why)
* [Key rates & fees](#rates)
* [Before you apply](#beforeyouapply)

Jump to 

* [Quick snapshot](#snapshot)
* [Special offer](#offers)
* [Why?](#why)
* [Key rates & fees](#rates)
* [Before you apply](#beforeyouapply)

##   
 Quick snapshot

#### Our highest Qantas Points earn rate, complimentary insurances, lounge passes and much more.

| **$295**          | Annual card fee                                   |
| ----------------- | ------------------------------------------------- |
| **$75**           | Annual Qantas Rewards Program fee                 |
| **20.99% p.a.**   | Variable interest rate on purchases               |
| **Up to 55 days** | Interest free on purchases                        |
| **$15,000**       | Minimum credit limit                              |
| **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 |

 Once you spend $10,000 in a statement cycle, you will earn 0.25 Qantas Points per $1 on further eligible purchases .

See below for standard rates and fees.  

### What kind of businesses are included in the new ‘everyday spend’ category?

Our ‘everyday spend’ category consists of 5 sub-categories: supermarkets, department stores, petrol stations, dining and utilities. Below is a list of examples of merchants included in these 5 categories:

* **Supermarkets** include stores such as Woolworths, Coles, IGA, Harris Farm and ALDI
* **Department stores** include stores such as Kmart, Target, Big W, David Jones and Myer
* **Petrol stations** include stores such as 7-Eleven, Shell, Ampol, Caltex and BP
* **Dining** includes restaurants, cafes, fast food, bars, hotels and entertainment venues
* **Utilities** include payments for water, gas, electricity, internet, mobile and streaming services (excluding BPAY® payments).

## Amplify Qantas Signature offer 

---

### 150K

### BonusQantas Points

Earn up to 150,000 bonus Qantas Points — 90,000 Qantas Points in year 1 if you spend $6k+ on eligible purchases within 120 days of new card approval and an extra 60,000 points with $6k+ spend on eligible purchases within 120 days of card anniversary in year 2.

**Already with St.George? Sign in to apply for a $200 first year card fee (reverts to $295 p.a. thereafter).**

Offer not available if you've held a St.George, Bank of Melbourne or BankSA rewards card in the last 24 months. New cards only. T&Cs Apply.

[Already with us? Sign in to apply ](https://ibanking.stgeorge.com.au/ibank/?actionType=amplify-signature-qantas&promoCode=RRAX7)[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%3DRRAX7&webfallback=https%3A%2F%2Fibanking.stgeorge.com.au%2Fmb%2F%3FActionType%3Damplify-signature-qantas%26promoCode%3DRRAX7)[Not yet with us? Click here to apply](https://www.stgeorge.com.au/personal/credit-cards/frequent-flyer/amplify-signature/summary)[Not yet with us? Click here to apply](https://www.stgeorge.com.au/personal/credit-cards/frequent-flyer/amplify-signature/summary)

## Qantas Frequent Flyer

 Qantas Points lover? Then you’ll love our Qantas rewards cards. Earn up to 1.2 Qantas Points per $1 spent on eligible purchases , with those points going straight to your Qantas Frequent Flyer account. Build your points balance to use on flights and upgrades , shopping and more. Use the [points calculator](https://www.qantas.com/au/en/frequent-flyer/calculators.html#/usepoints) to see where you could go with your bonus Qantas Points from our current offer. 

### Where could your Qantas Points take you?

**The Classic Syd-Mel**

Return economy seat Sydney – Melbourne 16k Qantas Points. Taxes, fees and carrier charges apply.

**Byron Bay and back**

Return economy seat Sydney – Byron (Ballina) 16k Qantas Points. Taxes, fees and carrier charges apply.

**Hamilton – the island**

Return economy seat Sydney – Hamilton Island 24k Qantas Points. Taxes, fees and carrier charges apply.

## Why you’ll love the Amplify Qantas Signature card

### 'Double dip' for double Points

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 our partners.

### 2 Qantas lounge passes

Enjoy 2 complimentary Qantas lounge visits each year when you register your details at [loungepass.stgeorge.com.au](https://loungepass.stgeorge.com.au/ "Click to go to the Lounge Pass Page to register your details.").

### Shop through ShopBack. Get Cashback

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).

## Other reasons to choose

[Concierge Services](#accordion-STABLE-1) 

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://bankofmelbourne.tenconcierge.com/).

[Complimentary Insurances](#accordion-STABLE-2) 

 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).

[Up to 55 days interest-free](#accordion-STABLE-3) 

That’s more time to pay your purchase balance and avoid interest charges on your purchases. The interest-free days don’t cover cash advances.

[Visa Luxury hotels](#accordion-STABLE-4) 

Access to Visa’s Luxury Hotel Collection, giving you the best available rate guarantee and upgrade benefits when available.

[Complimentary additional cardholder](#accordion-STABLE-5) 

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.

[Secure ways to pay](#accordion-STABLE-6) 

Make purchases with your smartphone using your choice of mobile wallet, including [Apple Pay](https://www.stgeorge.com.au/online-services/ways-to-pay/apple-pay), [Google Pay](https://www.stgeorge.com.au/online-services/ways-to-pay/google-pay) and [Samsung Pay](https://www.stgeorge.com.au/online-services/ways-to-pay/samsung-pay).

[Fraud protection](#accordion-STABLE-7) 

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

[Access to My Offers Hub](#accordion-STABLE-8) 

A space filled with [offers and benefits](https://www.stgeorge.com.au/online-services/my-offers-hub) to make your life a little sweeter, every single day.

[Visa Offers and Perks](#accordion-STABLE-9) 

When you’re with Visa, you also get access to [discounts and offers](https://www.visa.com.au/en%5Fau/visa-offers-and-perks/) that can be personalised to your own taste.

[Useful tools](#accordion-STABLE-10) 

Manage your repayments with options like [Plan&Pay](https://www.stgeorge.com.au/personal/credit-cards/manage/plan-and-pay), [Autopay](https://www.stgeorge.com.au/personal/credit-cards/manage/autopay), [SMS and email alerts](https://www.stgeorge.com.au/online-services/internet-banking/sms-email-alerts) and more.

## Key rates and fees

#### 

| $295   | annual card fee                                                               |
| ------ | ----------------------------------------------------------------------------- |
| 20.99% | p.a. variable interest rate on purchases                                      |
| 21.99% | p.a. variable cash advance interest rate                                      |
| $15    | fee applied for each late payment or missed payment                           |
| $75    | annual Qantas Rewards Program fee                                             |
| 3%     | of each cash advance amount                                                   |
| 3%     | of the Australian dollar value for transactions with merchants based overseas |

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").  

## Before you apply

Check whether you're more likely to be approved

[Check whether you're more likely to be approved](#accordion-STABLE-1) 

* Aged 18 or over **AND**
* Live at a fixed Australian address **AND**
* Receive a regular and verifiable Australian taxable income **AND**
* Meet ONE of the following three requirements:  
   * Be an Australian or New Zealand citizen **OR**  
   * Be an Australian permanent resident **OR**  
   * Hold a valid temporary residence visa with a minimum of 1 year before expiry. See [ PDF-file eligible Australian Visa (PDF 1MB)](https://www.stgeorge.com.au/content/dam/stg/downloads/personal/credit-cards/stg-eligible-australian-visa-list.pdf)

[Review your credit history](#accordion-STABLE-2) 

You'll be assessed on your ability to repay the money you borrow. Three things you can do to help:

1. Make sure you're meeting your current repayment obligations for  
   * other credit cards or loans (including lenders such as afterpay and zip pay)  
   * rent as well as utilities such as your phone, internet and electricity
2. Check the details on your credit report are correct before applying. Head to [CreditSmart.org.au](https://www.creditsmart.org.au/) and follow the links to a free credit report. [More about credit reports](https://www.stgeorge.com.au/online-services/security-centre/we-protect-you/comprehensive-credit-reporting "Credit reports").
3. Don't make multiple applications (with us or any other lender). Every application is listed as an enquiry on your credit report. Too many can be seen as a red flag and reduce your chances of approval.

[What you'll need](#accordion-STABLE-3) 

* An Australian mobile number (have your mobile handy as we'll be sending you verification codes)
* At least two forms of ID  
   * Australian driver licence, Medicare card, Passport, Australian birth certificate
* Foreign tax identification number (if you're a tax resident of another country)
* Current debts  
   * Home loan, personal loans, other credit or store cards as well as instalment purchases like Zip Pay  
   * If you want to transfer the balance of another credit card, you'll need to include those other cards in your application (even if you intend to close them after the balances are transferred)
* Regular monthly expenses
* Frequent flyer number (if applying for an Amplify Qantas Platinum or Amplify Qantas Signature card)

Sometimes, we might need more information and will ask you to provide certain documents. We'll let you know at the end of your application which (if any) documents are required.

These may be documents for:

* Proof of income  
   * Such as recent payslips, Government statements, rental income proof. For self-employed, recent business bank statements and previous ATO Notice of Assessment
* Confirmation of the closure of any debts
* Visa and residency status.

[ Apply Now](https://www.stgeorge.com.au/personal/credit-cards/frequent-flyer/amplify-signature/summary) [ Apply now](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%3DX6&webfallback=https%3A%2F%2Fwww.stgeorge.com.au%2Fpersonal%2Fcredit-cards%2Ffrequent-flyer%2Famplify-signature%2Fsummary) 

## Not right? Try these

[ Amplify Rewards Signature Our top-tier credit card  that lets you earn Amplify Points 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/amplify-signature) 

[ Amplify Qantas Platinum Our mid-tier credit card  for Qantas Points lovers chevron-right viewBox="0 0 18 30" style="enable-background:new 0 0 18 30;" xml:space="preserve"> ](https://www.stgeorge.com.au/personal/credit-cards/frequent-flyer/amplify-platinum) 

[View all cards](https://www.stgeorge.com.au/personal/credit-cards) 

### Help me choose

Use our selector to find a card that’s right for you.

[ Let's begin](https://www.stgeorge.com.au/personal/credit-cards/help-me-choose) [ Let's begin](https://www.stgeorge.com.au/personal/credit-cards/help-me-choose) 

### Compare cards

Use our compare cards tool so that you feel confident in your decision.

[ Get started](https://www.stgeorge.com.au/personal/credit-cards/compare-credit-cards) [ Get started](https://www.stgeorge.com.au/personal/credit-cards/compare-credit-cards) 

### Offer hub

Make the most of a St.George credit card with these amazing offers.

[ Browse offers](https://www.stgeorge.com.au/personal/credit-cards/credit-card-offers) [ Browse offers](https://www.stgeorge.com.au/personal/credit-cards/credit-card-offers) 

##### 

##### Important information

[Key Facts Sheet](https://www.stgeorge.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet?appAction=exit)

[ PDF-file Credit Card Terms and Conditions (PDF 1008KB)](https://www.stgeorge.com.au/content/dam/stg/downloads/personal/credit-cards/stg%5Fcredit%5Fcard%5Fterms%5Fand%5Fconditions.pdf?appAction=exit)

[ 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)

[ PDF-file Credit Card Accounts Fees and Charges (PDF 1MB)](https://www.stgeorge.com.au/content/dam/stg/downloads/accounts%5Fand%5Fcards/stg-cc-fee-charges.pdf?appAction=exit)

[ PDF-file Credit Card Complimentary Insurance Terms and Conditions (PDF 1MB)](https://www.stgeorge.com.au/content/dam/stg/downloads/accounts%5Fand%5Fcards/STG%5FConsumer%5FCredit%5FCard%5FComplimentary%5FInsurance%5FAllianz.pdf?appAction=exit)

 Conditions, fees and credit criteria apply. Standard rates and fees applicable for new cards. May not apply for existing credit card accounts. This card is issued as a Visa card. Before making a decision read the Terms and Conditions and consider if the product is right for you.  
  
 Switches, upgrades, or Westpac Group staff are ineligible. 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 27th November 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. 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. In your second year, spend a minimum of $6k on eligible purchases within 120 days of your card opened date anniversary, and you'll earn an additional 60,000 bonus points. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. 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 27th November 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.

**Amplify Qantas:** In order to earn and redeem points, you must be a member of Qantas Frequent Flyer program. An annual $75 Amplify Qantas Rewards Program fee applies for customers who choose Amplify Qantas.

**†** **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.

**If you choose to make any payment in any category** using an intermediary service (such as Afterpay, PayPal or similar services), these transactions will be categorised as 'all other purchases'. We classify transactions using information provided to us by the card scheme (Visa or Mastercard), which tells us about the main type of business conducted by the Merchant. 

The earning and redeeming of Qantas 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). You must be a member of the Qantas Frequent Flyer program to earn and redeem points. 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. Qantas Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis.

**55 Days Interest Free:** Receive up to 55 days interest free on your purchases if your Monthly Payment Balance is paid in full by the due date shown each month. This amount is calculated as the main account balance minus the balance transfer amount plus any Plan&Pay instalments for this month. If you do not have any Plan&Pay instalments or a balance transfer, the Monthly Payment Balance will be the same as the Closing Balance.

Qantas and Jetstar Any Seat Awards are available on any flight with a QF or JQ flight number. The points required will be quoted when booked. There is no fixed relationship between the cash price charged by the applicable airline for a seat and the points required to redeem an Any Seat Award through Qantas Frequent Flyer. Special promotional fares may not apply. Award flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply). For more information see qantas.com/frequentflyer. The Jetstar Any Seat Awards booking service is operated by Carlson Marketing Group (Aust) Pty Ltd trading as Carlson Leisure Travel Service Licence No. 2TA 5778, IATA 02-3 59523 For more information on the Qantas Frequent Flyer program, visit qantas.com/frequentflyer.

Qantas Marketplace products are for delivery in Australia and New Zealand only (and different products are available in each delivery location). Redemption of points through Qantas Marketplace is subject to terms and conditions (including Marketplace terms of use and voucher terms and conditions). See [qantas.com/marketplace](https://www.qantasstore.com.au/) for details.  
  
**Complimentary Insurance covers:** AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible St.George cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the [ PDF-file Complimentary Insurance Policy Information booklet (PDF 1MB)](https://www.stgeorge.com.au/content/dam/stg/downloads/accounts%5Fand%5Fcards/STG%5FConsumer%5FCredit%5FCard%5FComplimentary%5FInsurance%5FAllianz.pdf?appAction=exit) which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.

**Qantas Club Complimentary Lounge Invitations:** As a St.George Amplify Qantas Signature cardholder earning Qantas Points, you are eligible for two Qantas Club Complimentary Lounge Invitations for each 12-month period when you register your St.George Amplify Qantas Signature credit card via [loungepass.stgeorge.com.au](http://loungepass.stgeorge.com.au/) and you have made a transaction of more than $1 within the last 12 months. The 12-month period is based on the date you register your Amplify Qantas Signature credit card via [loungepass.stgeorge.com.au](https://loungepass.stgeorge.com.au/). Qantas Club Complimentary Lounge Invitations will be made available via the [Complimentary Lounge Invitations Portal](https://www.qantas.com/au/en/qantas-experience/at-the-airport/airport-lounges/lounge-passes.html), within 14 business days of you meeting the eligible spend.

Qantas Club Complimentary Lounge Invitations will be made available within 14 business days of meeting the eligibility criteria, provided you are not in breach of the Credit Card Terms and Conditions and your account remains open. Log in to your Qantas Frequent Flyer Account or use the Qantas App to access your Complimentary Lounge Invitation, and link it with an eligible Qantas flight booking. To receive your Complimentary Lounge Invitations, you must have provided Westpac with your Qantas Frequent Flyer Number. If you have not yet registered for your complimentary Qantas Frequent Flyer Membership, you may join at [qantaspoints.com/ffjoinstgeorge](https://www.qantas.com/au/en/frequent-flyer/discover-and-join/join-now.html/code/STGEORGE).  
  
 Qantas Club Complimentary Lounge Invitations are provided courtesy of St.George, and are valid for Qantas Club and Qantas operated International Business Lounges only (excluding Los Angeles Tom Bradley Airport lounge).  
  
 Access and use are subject to the [Complimentary Lounge Invitation Terms and Conditions](https://www.qantas.com/au/en/frequent-flyer/the-qantas-club/complimentary-invitations-terms-conditions.html) and the [Lounge Entry Terms and Conditions](https://www.qantas.com/au/en/qantas-experience/at-the-airport/airport-lounges/terms-conditions.html).

**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)  

Bonus Qantas Points earned on Qantas passenger flights (with a QF flight number) booked directly with Qantas, Qantas Club and Qantas Frequent Flyer memberships, when purchased from Qantas and charged as a domestic transaction only. Excludes Jetstar flights and services. You do not earn bonus points on Qantas Freight, Qantas Business Travel, Jetset Travelworld channels and Qantas Staff Travel, and on any international transactions, whether charged in Australian Dollars and/or in any foreign currency.

Any offer through **Visa Luxury Hotel Collection** is valid at participating properties and Visa Platinum and Signature cardholders in the Australia/Pacific, Europe, Middle East and Africa (APCEMEA) regions. Offer is only valid when you pay with a valid and eligible Visa card. Best Available Rate applicable. Not applicable on discounted rates or combined with other offers at time of enquiry/booking. One daily breakfast per person during stay. Excludes all applicable taxes, services, gratuities and charges, and must be a valid and eligible Visa card. Void where prohibited, taxed or restricted by law. All reservations are subject to availability at time of confirmation. Visa and participating properties reserve the right to vary the terms and conditions of this offer. For updated list of participating properties, please visit [www.visaluxuryhotels.com](https://www.visaluxuryhotels.com/) or call Visa Concierge for details.

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 Qantas Points remain the benefit of the primary cardholder.

**Fraud Money Bank Guarantee:** Our St.George Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted St.George promptly. Refer to the [ PDF-file Credit Card Terms and Conditions (PDF 1008KB)](https://www.stgeorge.com.au/content/dam/stg/downloads/personal/credit-cards/stg%5Fcredit%5Fcard%5Fterms%5Fand%5Fconditions.pdf) for full details, including when a customer will be liable.

**\***Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Classic Flight Reward seats are subject to capacity controls, availability is limited and some flights may not have any Classic Flight Rewards available. The Qantas Points, taxes, fees and carrier charges stated are accurate as at 24 April 2022 but may vary at the time of booking. Status Credits and Qantas Points will not be earned on Classic Flight Rewards. Visit [Classic Flight Rewards](https://t.e.qantas.com/r/?id=h4ea298a9%2C2feafb1e%2C23911703&s=qPeZU8tyafIkT3WGGJzJsMsqkoWLqHQnF%5FndeY59kuM) for more information.

Read the [ PDF-file Apple Pay Terms and Conditions (PDF 149KB)](https://www.stgeorge.com.au/content/dam/stg/downloads/ways-to-pay/apple-pay.pdf "Click to view Apple Pay Terms and Conditions page") before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card, and a compatible device with a supported operating system. See our [Apple Pay FAQs](https://www.stgeorge.com.au/online-services/ways-to-pay/ways-to-pay-faqs/apple-pay-faqs "Click to view Apple Pay FAQs page") for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Read the [Google Pay Terms and Conditions](https://www.stgeorge.com.au/content/dam/stg/downloads/ways-to-pay/google-pay-StGeorge.PDF) before making a decision and consider if it is right for you. Available for eligible cards. To use Google Pay you will need to use a compatible device with a supported operating system. See our [Google Pay FAQs](https://www.stgeorge.com.au/online-services/ways-to-pay/ways-to-pay-faqs/google-pay-faqs) for more information.

Read the [Samsung Pay Terms and Conditions](https://www.stgeorge.com.au/content/dam/stg/downloads/ways-to-pay/samsung-pay-stg-tc.pdf) before making a decision and consider if it is right for you. To use Samsung Pay you will need to use a compatible device with a supported operating system. See our [Samsung Pay FAQs](https://www.stgeorge.com.au/online-services/ways-to-pay/ways-to-pay-faqs/samsung-pay-faqs) for more information.

Internet connection may be needed to make purchases using Google Pay, Samsung Pay and normal mobile data charges apply.  

Android, Google Pay and Google Play are trademarks of Google Inc.  

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.