St.George Amplify Signature Qantas Card

Offers 90,000 bonus Qantas Points, airport lounge passes and complimentary insurance, with a $279 annual fee.

The St.George Amplify Signature Qantas Card offers a mix of frequent flyer perks and earns 0.75 Qantas Points per $1 on eligible spending. While this earn rate isn’t as high as some other frequent flyer credit cards, there is no cap on the number of points you can earn – and a unique “birthday bonus” benefit that gives you another way to boost your points balance each year.

Right now, you can also earn 90,000 bonus Qantas Points when you apply by 30 November 2021 and use your new card to spend $6,000 on eligible purchases in the first 90 days. It also offers 2 Qantas Club Lounge invitations each year and complimentary insurance for eligible travel and purchases – just make sure the points and perks give you enough value to justify its annual fee.

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Amy Bradney-George

Last Updated Jul 28, 2021

90,000

Bonus points

19.74% p.a.

Purchase rate

0.75

Reward points

Per $ spent

$279 p.a.

Annual fee

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Details

Product Name	St.George Amplify Signature - Qantas
Rewards program	Qantas Frequent Flyer
Balance transfer rate	0% p.a. for 15 months with 1% balance transfer fee
Balance transfer revert rate	Cash Advance Rate (21.49% p.a.)
Balance transfer limit	80% of available limit
Purchase rate	19.74% p.a.
Annual fee	$279
Interest-free period	Up to 55 days on purchases
Cash advance rate	21.49% p.a.
Min credit limit	$15,000
Max credit limit	$80,000
Card type	Visa
Foreign currency conversion fee	3%

Available to temporary residents	Yes - Conditions apply
Joint application	Yes - Conditions apply

Pros

90,000 bonus Qantas Points when you spend $6,000 within 90 days of card approval
0% p.a. for the first 15 months on balance transfers
Uncapped rewards points on eligible purchases
2 complimentary Qantas Club lounge passes per year

Cons

A relatively high standard annual fee of $279 applies
Charges a 3% foreign transaction fee
Charges a one-time 1% balance transfer fee

Rewards program	Qantas Frequent Flyer
Bonus points	90,000
Rewards points per $ spent	0.75

Annual fee	$279
Minimum monthly repayment	2% of the closing balance or $10, whichever is greater
Late payment fee	$15
Foreign currency conversion fee	3%
Cash advance fee	2% or $2.50, whichever is greater
Overseas cash advance fee	2% of transaction amount or $2.50 (whichever is greater), capped at $150 / transaction
Additional cardholder fee	$0
Number of additional cardholders	1

Go to St.George Bank's site More info

Review by

Amy Bradney-George

[email protected]

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The St.George Amplify Signature Qantas Card has a strong bonus points offer, Qantas Club Lounge invitations and complimentary insurance that makes it suited to frequent travellers. To give you an idea of the potential value of the 90,000 bonus Qantas Points, you could use them for a return business class flight from Melbourne to Cairns (83,000 points), or get $425 worth of Woolworths WISH digital gift cards (88,140 points for 4 gift cards worth $100 and 1 gift card worth $25).

This card doesn’t have the highest earn rate in the Qantas credit card category, but it’s still relatively competitive and doesn’t have the restriction of a points cap. But take note of the 19.74% p.a. variable interest rate that applies to purchases, which could add up if you don't pay the full balance listed by the due date (to get interest-free days on purchases).

How to apply

You can apply for the St.George Amplify Signature Qantas Card online in 10 minutes. Before you get started, make sure you meet the eligibility requirements and have the necessary documents ready:

Eligibility criteria

New cardholder. To take advantage of the bonus points offer on this card, you must not currently hold an Amplify Platinum or Amplify Signature credit card from Bank of Melbourne, St.George or BankSA. You also must not have held any of these accounts within the past 12 months.
Residency. To apply online, you must be an Australian citizen or permanent resident.

Eligible balance transfer debt. If you are planning to transfer a balance, you can transfer from $200 up to 80% of your available credit limit from Australian store, charge or credit cards not issued by St.George, Bank of Melbourne or BankSA.
Age. You must be at least 18 years of age.

Required documents

Personal information. This includes your full name, date of birth, residential address, email address and phone number. You also need a valid form of identification, such as your Australian driver's licence, Medicare card, passport or birth certificate.
Employment information. Provide your job title, salary information and employer's contact details. If you're self-employed, you may also be asked for your accountant's contact information.
Other financial details. This includes any other forms of income and assets such as savings or shares. You'll also need to share details of any existing debts and ongoing expenses such as rent, mortgage payments, bills and grocery shopping.
Qantas Frequent Flyer number. To ensure your Qantas Points are credited to your account, you need to provide your Qantas Frequent Flyer membership number.
Balance transfer information. If you are transferring a balance from another card, you will need to provide the card number, issuer and the amount you want to transfer.

Go to St.George's site More info

Card benefits

Bonus points offer. Receive 90,000 bonus Qantas Points when you apply by 30 November 2021 and spend $6,000 on eligible purchases using your new card within the first 90 days from approval. Your points will be credited to your account within 12 weeks of meeting the spend requirement.
Balance transfer offer. Apply by 30 November 2021, request a balance transfer during the application and take advantage of a 0% interest rate for the first 15 months. A one-time 1% balance transfer fee applies. You can transfer up to 80% of your approved credit limit. After the promotional period, any balances remaining will be charged at the variable cash advance rate.

Points per $1 spent. With the Amplify Qantas program, you will earn 0.75 Qantas Points for every dollar spent in Australia and eligible overseas merchants. The St.George Amplify Signature also offers uncapped points earning potential.
Airline lounge passes. You can relax before your next flight, enjoy complimentary food and beverages, and high-speed Wi-Fi thanks to 2 complimentary Qantas Club Lounge invitations per year. They're valid for Qantas Club and Qantas operated international business lounges, and you must register for the invitations on the St.George website to access them.
Overseas travel insurance. The cardholder and their family can access up to 6 months of coverage. You must use your card to cover at least AU$500 of your prepaid travel costs (such as flights or accommodation) to activate the cover.
Purchase cover insurance. You'll get up to four months of cover against the theft, loss or damage of selected new purchases.
Transit accident insurance. If you suffer an accidental injury or die when travelling by train, bus, plane or ferry outside Australia, this insurance provides cover.
Domestic flight inconvenience. This cover ensures you don't suffer a financial loss due to flight delays and cancellations.
Extended warranty insurance. When you use this card to make a purchase, you'll receive up to 12 additional months on the manufacturer's expressed Australian warranty.
Price guarantee cover. You can claim the difference if you find a product for sale cheaper within 21 days of purchasing.
Birthday Bted to your account within 4 weeks of your birthday.
Concierge service. Save time on tasks like booking a restaurant, organising an event or ordering flowers by submitting a request to the 24/7 concierge service.
Mobile payments. You can make contactless payments with your eligible Apple, Android or Samsung device by adding this card to your Google Pay, Samsung Pay, or Apple Pay wallet.

Rates & fees

Annual fee. This card charges a standard annual fee of $279.
Interest rates. The variable interest for purchases is 19.74% p.a., while the cash advance rate is 21.49% p.a.

Interest-free days for purchases. This card offers up to 55 days interest-free on new purchases when you pay the monthly payment balance listed on your statement in full by the payment due date. Note that these interest-free days are separate from any longer-term interest rate promotions and the monthly payment balance excludes current balance transfers.
Cash advances. If you use your card for cash advances and cash equivalent transactions, you'll be charged 21.49% p.a. interest rate from the day the transaction is made, as well as a one-time fee of 2% or $2.50 (whichever is greater, capped at $150/transaction).
Foreign transaction fee. Any transactions made overseas or online in a foreign currency are subject to a 3% currency conversion fee.

Go to St.George's site More info

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48 Comments

Allan
June 25, 2019

My wife & I are both retired and have combined super in 7 figures. No card company wants to know this as we don’t have a pay slip. Our credit rating is perfect. It almost seems impossible to get a new card with these Qantas specials. Any suggestions?

Nikki
June 26, 2019

Hi Allan,

Thanks for getting in touch!

It’s great to know that your credit rating is perfect. While this may give high hopes of approval, the probability of being approved or not depends on how you match the eligibility requirements of the card so make sure to always check carefully.

If you are still looking to get a credit card, you may refer to our list of credit cards for pensioners and retirees. On the page, you’ll find:

a long list of providers along with retiree and pensioner application details
Mistakes to avoid when applying for a credit card

You can click the name of the bank if you wish to read our product review. When you’re ready to apply for the card, press the ‘Go to site’ button to be redirected to the bank’s main website.

As a friendly reminder, read the eligibility criteria, features, as well as the Product Disclosure Statement and Terms and Conditions of the card before making a decision and consider whether the product is right for you.

Hope this helps! For any further questions, feel free to reach out to us again, we’re here to help.

Best,
Nikki

Vanessa
March 22, 2019

Hi, is there a minimum salary earning for this please?

finder Customer Care

Mai
March 23, 2019

Hi Vanessa,

Thank you for visiting Finder and for leaving a question.

I’m afraid St.George Amplify Signature – Qantas Credit Card did not specify if there’s a minimum income requirement to be eligible for this card. Although, you still need to show your proof of income and employment as well as your financial commitments for their checking.

I suggest that you contact St. George first to check prior to application to make sure that your income is eligible for the credit card product you wish to have.

Hope this helps and please feel free to contact us back should you require further assistance.

Kind Regards,
Mai

Chris
March 14, 2019

Does the St George Amplify Signature – Qantas card give supplementary cards for spouse?

finder Customer Care

Jeni
March 16, 2019

Hi Chris,

Thank you for getting in touch with Finder.

This card accepts joint account application or you may have your spouse as your additional cardholder at no cost.

I hope this helps.

Thank you and have a wonderful day!

Cheers,
Jeni

john
February 21, 2019

Overseas travel insurance. The cardholder and their family have access of up to 6 months of coverage.
Could you please explain what is meant by access of up to 6 months for overseas travel insurance?

finder Customer Care

Jhez
February 23, 2019

Hello John,

Thank you for your comment.

It means that the coverage of your complimentary travel insurance will be provided for six months or until you return to your home in Australia, whichever occurs first.

Regards,
Jhezelyn

Chris
December 13, 2018

Need to ‘visit a branch’ to:

1) Verify identity for an additional card holder
2) Organise an auto-pay for the full balance each month.

Cannot be done on-line or over the phone.

On the plus side, it works beautifully with Google Pay!

finder Customer Care

John
December 18, 2018

Hi Chris,

Thank you for reaching out to finder.

Based on your location, the nearest branch of St. George is located here:

75 Brisbane St,
Launceston, TAS 7250

Hope this helps!

Cheers,
Reggie

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St.George Amplify Signature Qantas Card