Credit Card Compare

St.George Amplify Rewards Signature

4 reviews
Data last updated 20 July 2026
20.99%
Purchase rate
$199
Annual fee
200,000
Bonus points

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St.George Amplify Rewards Signature card
60 second approval
You may have seen us in
The Sydney Morning HeraldNews.com.auYahoo! FinanceDaily Mail Australia

CardIQ

52Fair

Fair

Overall score, out of 100 · How this works

  • 55 days interest-free40
  • Airport lounge48
  • Frequent flyer56
  • Rewards52
  • Sign-up bonus67
  • Travel45
  • Velocity Points56

Customer reviews

3.7

Based on 4 reviews

Reviewers praised fees and rewards.

WilliamRecommends

Bonus fee-free card from home loan package

It has no fees, low rates, complimentary travel insurance, and you get perks like two Qantas lounge passes annually.This is a great card if you like to travel. The extra perks are geared towards people that often travel overseas.

KathrynRecommends

Great rewards and benefits

This card has a really great rewards system and some really good benefits. Rewards and benefits are easy to access, and not confusing. Fees are a little high, but it has a good interest-free period. Overall I am very happy with this card, and would recommended it to others.

SinthujaRecommends

I redeemed nearly $200 in one year

I am happy with this card. There’s a good limit, double points, rewards, easy redemption and good service. It’s easy using NetBank,and easy to manage your card limit (increase/decrease). So far so good — no long waiting time for approval and it was quickly delivered. Term and…

FariaRecommends

No fuss card

Certainly convenient if you’re looking to secure a home loan. Fast, easy and fuss free application process. Statements are not sent regularly, therefore you are unsure where you stand financially with this card. Recommend for certain loans such as home and car, otherwise I would…

Pros & cons

What's good

  • 200,000 bonus points to start, worth around $2,000 at our 1c-per-point valuation.
  • Complimentary airport lounge access.
  • Complimentary international travel insurance.
  • Earns 2 points per $1 on bonus categories and 3 points per $1 on overseas spend.
  • Points transfer to Everyday Rewards, Singapore Airlines KrisFlyer and Velocity Frequent Flyer.

Worth noting

  • The $199 first-year fee (rising to $295) is toward the top of the market (the median is $70).
  • The 20.99% p.a. purchase rate sits in the most expensive quarter of cards (the median is 18.99% p.a.) if you carry a balance.
  • Earns 1 point per $1 on everyday spend, around the dataset average.
  • The 1-point rate on other purchases applies only to the first $10,000 spent each statement period, then drops to 0.5 points per $1.

Card details

The basics

Additional cardholder fee
$0 p.a.
Card tier
Signature
Card type
Visa
Card use
Personal
Credit limit
$15,000 – $80,000
Credit rating
Good
Rewards program
Amplify Rewards

Eligibility

Instant approval
Yes (response in ~60 seconds)
Joint application
No
Minimum age
18 years old
Minimum income
Not specified
Residency
Australian citizen or permanent resident
Temporary residents
Eligible

Rates & fees

Ongoing interest rates

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

Fees

Additional cardholder fee
$0
Annual fee
$199 p.a.
Annual fee (year 2+)
$295 p.a.
Cash advance fee
3.5% of the amount
Foreign transaction fee
3%
Late payment fee
$20

Repayments

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

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
None
Bonus categories
2 pts per $1 in bonus categories
Other purchases
1 pt per $1 on other purchases, up to $10,000 per statement period
Overseas spend
3 pts per $1 on overseas spend
ATO/government
None
Reduced rate above monthly cap
0.5 pts per $1 above $10,000 per statement period
Points cap
Uncapped
Points expiry
Points don't expire while your account is open and in order.

Sign-up bonus

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

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)

Where these points could take you

Auckland
Flying Virgin Australia non-stop, using transferred Velocity points. Economy 17,900 pts, Business 35,500 pts.
Denpasar
Flying Singapore Airlines via Singapore, using transferred KrisFlyer points. Economy 30,500 pts, Business 75,500 pts.
London
Flying Qatar Airways via Doha, using transferred Velocity points. Economy 80,000 pts.
Los Angeles
Flying United Airlines non-stop, using transferred Velocity points. Economy 48,000 pts, Premium Economy 73,500 pts, Business 102,000 pts.
Singapore
Flying Singapore Airlines non-stop, using transferred Velocity points. Economy 29,000 pts, Premium Economy 57,500 pts, Business 74,000 pts.
Tokyo
Flying All Nippon Airways non-stop, using transferred Velocity points. Economy 45,000 pts.

Flights you could book with the sign-up bonus plus a year of spending $3,000 a month on this card. One-way from Sydney or Melbourne, one adult, before taxes and carrier charges. Award prices and seat availability change.

Complimentary insurance

Cover has conditions and exclusions, which are set out in the issuer's PDS. A missing row means we haven't captured that figure, not that the cover is absent.

Overseas travel

Activation
Prepay part of the trip on the card
Activation spend
$500
Age limit
80 years
Cover limit
Unlimited
Excess
$300
Maximum trip length
180 days
Not covered
Pre-existing conditions, unless the insurer agrees in writing
Underwriter
Allianz Australia Insurance Limited

Rental vehicle excess

Activation
Book with the card and take the hire company's waiver
Cover limit
$5,500
Excess
$300
Voids cover
Unsealed roads, drink driving, a driver not on the agreement
What it pays
The hire company's excess, not the vehicle

Purchase protection

Activation
Pay for the item with the card
Annual limit
$135,000
Cover period
120 days
Excess
$300
Not covered
Cash, consumables and animals
Per-item limit
$10,000
Voids cover
Leaving the item unattended in a public place
What it pays
Theft, loss and accidental damage

Extended warranty

Activation
Pay with the card for an item under manufacturer's warranty
Annual limit
$20,000
Excess
$300
Not covered
Anything the manufacturer's warranty already excluded
Per-item limit
$20,000
What it pays
Mechanical failure once that warranty ends

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Sign-up bonus$2,000Tied for best (1st of 59 cards)
Interest-free days55 daysTop 10% (6th of 192 cards)
Overseas fee3.00%Better than most (53rd of 200 cards)
Rewards value$360 a yearBetter than most (26th of 95 cards)
Purchase rate20.99%Not as good as most cards (125th of 196 cards)
Annual fee$295 a yearNot as good as most cards (163rd of 200 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Government
Product reference data (Consumer Data Right)
Issuer
St.George