Quick snapshot
Our highest Amplify Points earn rate, complimentary insurances and much more.
| $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 |
New cards only.
See below for standard rates and fees.
Amplify Rewards Signature offer
150K
BonusAmplify Points
That could be worth up to $675 in eGift cards<, when you spend $12k+ on eligible purchases^. Plus, $199 card fee for the first year (reverts to $295)+ .
Already with St.George? Sign in and apply to get a $99 card fee for the first year (reverts to $295)++.
What is Amplify Rewards?
The St.George Amplify Rewards program offers flexibility in how you can use your points. For starters, the points you earn never expire, giving you as much time as needed to build your balance.
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 partner airline frequent flyer programs3 or donate to one of our listed charities. The choice is yours.
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<.
Why you’ll love the Amplify Rewards Signature card
Our highest earn rate
Earn 1.5 Amplify Points for every dollar spent on eligible purchases – uncapped1.
2 airport lounge passes
Enjoy 2 complimentary Priority Pass lounge visits each year when you enrol at prioritypass.com/amplifysignature5.
Shop through ShopBack. Get Cashback.
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.
Put a 'yay' in Everyday
Turn your Amplify points into Everyday Rewards points and get more value at the checkout. Learn more
Eligibility, min and max points transfer and T&Cs apply.
Other reasons to choose
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.
Key rates and fees
| $295 | annual card fee |
| 20.99% | p.a. variable interest rate on purchases |
| 21.99% | p.a. variable cash advance interest rate |
| $15 | fee applied for each late payment or missed payment |
| 3% | of each cash advance amount |
| 3% | of the Australian dollar value for transactions with merchants based overseas |
New cards only.
Fees and rates are subject to change. Read our credit card key facts sheet.
Before you apply
Check whether you’re more likely to be approved
- Aged 18 or over
- Australian or New Zealand citizen
- Or hold an acceptable Australian visa, with a minimum of 1 year before expiry
- Have a fixed residential address in Australia
- Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)
- You’re up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)
Important information
Switches, upgrades, or Westpac Group staff are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
^Amplify Signature Bonus Amplify Points Offer: The bonus Amplify Points promotion is available when you apply and are approved for a new Amplify Rewards Signature credit card between 31st October 2024 and 30th April 2025 and spend the minimum amount of $12k on eligible purchases within the first 12 months from card approval in one or more transactions. Eligible purchases do not 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. Existing customers who currently hold an Amplify, Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, or who have held one in the last 24 months, or Credit Card Product Switches, upgrades or Westpac group staff are not eligible for this offer. The bonus Amplify Points will be added to your points balance within 12 weeks of the eligible spend criteria being met.
<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 Amplify Terms and Conditions (PDF 1MB).
+Amplify Rewards Signature Discounted First Year Fee: The discounted first year card fee promotion is available when you apply and are approved for a new Amplify Rewards Signature credit card between 31st October 2024 and 30th April 2025. 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.
++Existing Customer Amplify Rewards Signature Discounted First Year Fee: 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 between 31st October 2024 and 30th April 2025. 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.
1 The earning and redemption of Amplify Points is subject to the Amplify Terms and Conditions (PDF 1MB). 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.
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.
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 Amplify Terms and Conditions (PDF 1MB) 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.
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 Complimentary Insurance Policy Information booklet (PDF 1MB) 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.
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. 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. 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.
6 Concierge Services are provided by a third party supplier. For further details including terms and conditions visit www.stgeorge.tenconcierge.com
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 or call Visa Concierge for details.
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.
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 Credit Card Terms and Conditions (PDF 1008KB) for full details, including when a customer will be liable.
Read the Apple Pay Terms and Conditions (PDF 46KB) 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 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.
Read the Google Pay Terms and Conditions before making a decision and consider if it is right for you. Available for eligible cards. To use Google Pay you will need to use a compatible device with a supported operating system. See our Google Pay FAQs for more information.
Read the Samsung Pay Terms and Conditions before making a decision and consider if it is right for you. To use Samsung Pay you will need to use a compatible device with a supported operating system. See our Samsung Pay FAQs for more information.
Internet connection may be needed to make purchases using Google Pay, Samsung Pay and normal mobile data charges apply.
Android, Google Pay and Google Play are trademarks of Google Inc.
Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.