Credit Card Compare

ANZ Frequent Flyer Black vs St.George Amplify Rewards Signature

Compare ANZ Frequent Flyer Black, St.George Amplify Rewards Signature side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.

You may have seen us in
The Sydney Morning HeraldNews.com.auYahoo! FinanceDaily Mail Australia
Side-by-side comparison of ANZ Frequent Flyer Black vs St.George Amplify Rewards Signature.
ANZ Frequent Flyer Black card
ANZ Frequent Flyer Black
St.George Amplify Rewards Signature card
St.George Amplify Rewards Signature

Card details

Overall
39Basic
52Fair
Highest
55 days interest-free40/100
Airport lounge34/10048/100Highest
Balance transfer31/100
Frequent flyer42/10056/100Highest
Qantas Points42/100
Rewards37/10052/100Highest
Sign-up bonus56/10067/100Highest
Travel31/10045/100Highest
Velocity Points56/100

The basics

Card tierBlackSignature
Card typeVisaVisa
Credit ratingGoodGood
Rewards programQantas Frequent FlyerAmplify Rewards
Credit limit$15,000 – $100,000$15,000 – $80,000

Eligibility

Minimum age18 years old18 years old
Minimum incomeNot specifiedNot specified
ResidencyAustralian citizen or permanent residentAustralian citizen or permanent resident
Joint applicationNoNo
Temporary residentsEligibleEligible
Instant approvalYes (~60 seconds)Yes (~60 seconds)

Repayments

Interest-free periodUp to 44 daysUp to 55 daysHighest
Minimum repayment2% of the closing balance or $25, whichever is greater2% of the closing balance or $10, whichever is greater

Rates & fees

Ongoing interest rates

Purchases20.99% p.a.20.99% p.a.
Cash advances21.99% p.a.21.99% p.a.

Fees

Annual fee$370 p.a.$199 p.a.Lowest
Monthly fee
Additional cardholder fee$65$0Lowest
Cash advance fee3% of the amount3.5% of the amount
Foreign transaction fee3.5%3%Lowest
Late payment fee$20$20

Rewards

How many points could you earn?

Enter your monthly spend to see estimated annual points for each card below.

$

Earn rate

Everyday spend1 pt per $1 up to $7,500 per statement periodNone
Bonus categoriesNone2 pts per $1 in bonus categories
Other purchasesNone1 pt per $1 on other purchases, up to $10,000 per statement period
Overseas spendNone3 pts per $1 on overseas spend
ATO/governmentNoneNone
Reduced rate above monthly cap0.5 pts per $1 above $7,500 per statement period0.5 pts per $1 above $10,000 per statement period
Points capUncappedUncapped
Points expiryPoints don't expire while your account is open and in order.Points don't expire while your account is open and in order.
Estimated annual points116,000 ptsWorth $1,392236,000 ptsWorth $2,360Highest

Sign-up bonus

Sign-up bonus80,000 points200,000 pointsHighest
Bonus spend required

Transfer partners

Everyday Rewards3 pts → 2 pts (≈ 0.67 pts per $1)
Singapore Airlines KrisFlyer3 pts → 1 pt (≈ 0.33 pts per $1)
Velocity Frequent Flyer2 pts → 1 pt (≈ 0.5 pts per $1)

Related comparisons

Sources

Credit Card Compare
How CardIQ scores cards
Issuers
ANZSt.George