St.George Amplify Rewards Signature vs Westpac Altitude Qantas Black

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

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Side-by-side comparison of St.George Amplify Rewards Signature vs Westpac Altitude Qantas Black.
	St.George Amplify Rewards Signature	Westpac Altitude Qantas Black

Card details

CardIQ

How we calculate scores

Overall	52Fair Highest	40Fair
55 days interest-free	40/100	–
Airport lounge	48/100Highest	36/100
Frequent flyer	56/100Highest	40/100
Qantas Points	–	40/100
Rewards	52/100Highest	36/100
Sign-up bonus	67/100Highest	55/100
Travel	45/100Highest	34/100
Velocity Points	56/100	–

The basics

Card tier	Signature	Black
Card type	Visa	Mastercard
Credit rating	Good	Good
Rewards program	Amplify Rewards	Qantas Frequent Flyer
Credit limit	$15,000 – $80,000	$6,000 – $75,000

Eligibility

Minimum age	18 years old	18 years old
Minimum income	Not specified	$75,000 p.a.
Residency	Australian citizen or permanent resident	Australian citizen or permanent resident
Joint application	No	No
Temporary residents	Eligible	Not eligible
Instant approval	Yes (~60 seconds)	Yes (~60 seconds)

Repayments

Interest-free period	Up to 55 daysHighest	Up to 45 days
Minimum repayment	2% of the closing balance or $10, whichever is greater	2% of the closing balance or $10, whichever is greater

Rates & fees

Ongoing interest rates

Purchases	20.99% p.a.	20.99% p.a.
Cash advances	21.99% p.a.	21.99% p.a.

Fees

Annual fee	$199 p.a.Lowest	$295 p.a.
Monthly fee	—	—
Additional cardholder fee	$0	$0
Cash advance fee	3.5% of the amount	3.5% of the amount
Foreign transaction fee	3%	3%
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 spend	None	None
Bonus categories	2 pts per $1 in bonus categories	0.8 pts per $1 in bonus categories
Other purchases	1 pt per $1 on other purchases, up to $10,000 per statement period	0.5 pts per $1 on other purchases, up to $10,000 per statement period
Overseas spend	3 pts per $1 on overseas spend	1.2 pts per $1 on overseas spend
ATO/government	None	None
Reduced rate above monthly cap	0.5 pts per $1 above $10,000 per statement period	0.25 pts per $1 above $10,000 per statement period
Points cap	Uncapped	Uncapped
Points expiry	Points 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 points	236,000 ptsWorth $2,360Highest	168,000 ptsWorth $2,016

Sign-up bonus

Sign-up bonus	200,000 pointsHighest	150,000 points
Bonus spend required	—	—

Transfer partners

Everyday Rewards	3 pts → 2 pts (≈ 0.67 pts per $1)	—
Singapore Airlines KrisFlyer	3 pts → 1 pt (≈ 0.33 pts per $1)	—
Velocity Frequent Flyer	2 pts → 1 pt (≈ 0.5 pts per $1)	—

Related comparisons

Sources

Credit Card Compare: How CardIQ scores cards
Government: Product reference data (Consumer Data Right)
Issuers: St.GeorgeWestpac
Program: Qantas Frequent Flyer