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* [Personal](/personal)
* [Business](/business)
* [Corporate](/corporate-business)
* [Register/Activate](/online-services/internet-banking/how-to-register-activate)

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[St.George home page ](/) 

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* [Bank & Save](/personal/bank-accounts)
* [Home Loans](/personal/home-loans)
* [Credit Cards](/personal/credit-cards)
* [Personal Loans](/personal/personal-loans)
* [International & travel](/personal/travel-services)
* [Invest](/personal/investments)
* [Insure](/personal/insurance)
* [Super](/personal/superannuation)
* [Help](/personal/help)
* [Contact us ](/personal/contact-us)

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* [ Personal](#personal)
* [ Business](#business)
* [ Corporate](#corporate-business)

* [Personal Home](/personal)
* [Bank & Save](/personal/bank-accounts)
* [Home Loans](/personal/home-loans)
* [Credit Cards](/personal/credit-cards)
* [Personal Loans](/personal/personal-loans)
* [International & travel](/personal/travel-services)
* [Invest](/personal/investments)
* [Insure](/personal/insurance)
* [Super](/personal/superannuation)
* [Help](/personal/help)
* [Contact us ](/personal/contact-us)
* [Business Home](/business)
* [Bank accounts](/business/bank-accounts)
* [Credit cards](/business/credit-card)
* [Loans and finance](/business/loans-finance)
* [Payment solutions](/business/payment-solutions)
* [Insurance](/business/super-insurance)
* [Agribusiness](/business/agribusiness)
* [FX & International](/business/international)
* [Tax Entity Classification Information](/business/tax-entity-classification)
* [Corporate Home](/corporate-business)
* [Transaction banking](/corporate-business/transaction-banking-solutions)
* [Financial markets](/corporate-business/institutional-financial-markets)
* [Business solutions](/corporate-business/business-finance-solutions)
* [Industry specialists](/corporate-business/industry-specialists)
* [International solutions](/corporate-business/foreign-exchange)
* [Intermediary business](/corporate-business/intermediary-business)
* [Economic reports](/corporate-business/economic-reports)

* [ About Us](/about)
* [ Find a Branch/ATM](/locator)

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

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* [Not yet with us? Apply here](/personal/credit-cards/rewards/amplify-signature/summary "Not yet with us? Apply here")

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* [Not yet with us? Apply here](/personal/credit-cards/rewards/amplify-signature/summary "Not yet with us? Apply here")

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| **$295**               | Annual card fee                              |
| ---------------------- | -------------------------------------------- |
| **1.5 Amplify Points** | Per dollar on eligible purchases – uncapped1 |
| **20.99% p.a.**        | Variable interest rate on purchases          |
| **Up to 55 days**      | Interest free on purchases2                  |
| **$15,000**            | Minimum credit limit                         |

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130,000 Rewards Points in year 1 if you spend $12k+ on eligible purchases† and an extra 50,000 points after your first eligible purchase in year 2^. Plus, a reduced first year card fee of $199 (reverts to $295 p.a. thereafter)\+ . 

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**Already with St.George? Sign in to apply for a $99 card fee for the first year (reverts to $295)++.**

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When you are ready to redeem, you can choose from merchant gift cards, travel options, shopping at our own online store - you can even transfer them to one of our transfer partner reward programs and partner airline frequent flyer programs3 or donate to one of our listed charities. The choice is yours.

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For example, 11,100 Amplify Points currently gets you a $50 e-gift card from a range of merchants such as David Jones, Myer, JB Hi-Fi, Bunnings and others<.

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Earn 1.5 Amplify Points for every dollar spent on eligible purchases – uncapped1.

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Enjoy 2 complimentary Priority Pass lounge visits each year when you enrol at [prioritypass.com/amplifysignature](https://www.prioritypass.com/amplifysignature "Click to open the Priority Pass Amplify Signature website")5.

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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](/online-services/shopback).

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

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[Concierge Services](#accordion-391742969469143-1) 

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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 more6. [Find out more](https://stgeorge.tenconcierge.com/).

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[Complimentary Insurances](#accordion-361742969469143-2) 

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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).4

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[Up to 55 days interest-free](#accordion-131742969469143-3) 

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That’s more time to pay your purchase balance and avoid interest charges on your purchases2. The interest-free days don’t cover cash advances.

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[Visa Luxury hotels](#accordion-321742969469143-4) 

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Access to Visa’s Luxury Hotel Collection, giving you the best available rate guarantee and upgrade benefits when available8.

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[Complimentary additional cardholder](#accordion-361742969469143-5) 

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Add a second cardholder (16 or over) for free, while keeping all the spend and points on the one account9. And your points balance will grow even faster. Additional cardholders cannot redeem rewards.

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[Secure ways to pay](#accordion-271742969469143-6) 

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

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[Fraud protection](#accordion-831742969469143-7) 

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Feel confident using our cards, with 24/7 [fraud monitoring](/online-services/security-centre/we-protect-you/our-security-measures), [Secure Online Shopping Service](/online-services/security-centre/protect-yourself/secure-online-shopping), and the St.George [Fraud Money Back Guarantee](/online-services/security-centre/protect-yourself/fraud-money-back-guarantee)10.

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[Access to My Offers Hub](#accordion-211742969469143-8) 

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

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[Visa Offers and Perks](#accordion-131742969469143-9) 

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[Useful tools](#accordion-01742969469143-10) 

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

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

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[Check whether you’re more likely to be approved](#accordion-1001742969469181-1) 

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[Review your credit history](#accordion-281742969469181-2) 

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[What you’ll need](#accordion-171742969469181-3) 

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[ Amplify Qantas Signature Our top-tier credit card  for people who love Qantas Points chevron-left viewBox="0 0 18 30" style="enable-background:new 0 0 18 30;" xml:space="preserve"> ](/personal/credit-cards/frequent-flyer/amplify-signature) 

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[ Amplify Rewards Platinum Our mid-tier credit card  that lets you earn Amplify Points chevron-right viewBox="0 0 18 30" style="enable-background:new 0 0 18 30;" xml:space="preserve"> ](/personal/credit-cards/rewards/amplify-platinum) 

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[View all cards](/personal/credit-cards) 

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[ Let's begin](/personal/credit-cards/help-me-choose) [ Let's begin](/personal/credit-cards/help-me-choose) 

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[ Get started](/personal/credit-cards/compare-credit-cards) [ Get started](/personal/credit-cards/compare-credit-cards) 

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[ Browse offers](/personal/credit-cards/credit-card-offers) [ Browse offers](/personal/credit-cards/credit-card-offers) 

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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)](/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 26th March 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. 

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**++Existing Customer Amplify Rewards 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 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.

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****1** 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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****2 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.

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****3** 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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****4 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.

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****5 Priority Pass membership:** Complimentary Priority Pass membership is available to 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").

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****6 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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**8** 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.

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**9** 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.

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****10 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.

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Read the [ PDF-file Apple Pay Terms and Conditions (PDF 46KB)](/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](/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.

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

[Contact us](/contact-us?fid=GL:GF:None:stg:www:contact-us) 

* [Locate us](/locator?fid=GL:GF:None:stg:www:locator)
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For St.George issued products, conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the [Terms and Conditions](/help/terms-conditions), before deciding. [Target Market Determinations](/tmd) for the products are available. Unless otherwise specified, the products and services described on this website are available only in Australia from © St.George Bank - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.