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Amplify Signature (Amplify Rewards)



Electronic Wallet Service

Important Rates


Balance Transfer

Overseas spending



Earn Rates

RateCard TypeEarnsCondition
1.5 points for $1 spentVisauncappedeligible transactions
  • Free Domestic Travel Insurance
  • Free International Travel Insurance Cover lasts for 180 days per year
  • Free Supplementary Cards
  • Price Guarantee
  • Extended Warranty
  • Concierge
  • Airport Lounge


The St. George Bank Amplify Signature credit card has a high annual fee, moderately high interest rates and a moderately low late payment fee.

The card comes with the Amplify Rewards program, which allows card holders to earn rewards points on eligible purchases. The St. George Bank Amplify Signature card earns at a rate of 1.5 rewards points for every $1 you spend on both Australian and international eligible purchases. There is no limit to the number of points you can receive, and your earn rate will not decrease after meeting a certain threshold.

As a part of the Amplify Rewards program, card holders are also given 2 Priority Pass lounge visits per year when you enrol. Card holders are also granted birthday bonus points, which gives customers an additional 10 per cent of the points they’ve earned in the previous 12 months.

  • Free additional cardholder
  • Earns rewards points
  • Complimentary travel insurance
  • High annual fee
  • Charges foreign transaction fees
  • Moderately high interest rates


Who is it good for?

The St. George Bank Amplify Signature credit card is best for high spenders in search of a flexible rewards program. While the Amplify Rewards program does not automatically earn frequent flyer points, rewards points can be redeemed on a number of different frequent flyer programs, as well as on gift cards, vouchers, travel and more.

This card is not particularly well suited to those who wish to minimise unnecessary credit card costs. This card charges a high annual fee, and it is not waived in the first year (unlike with some other cards).

The St. George Bank Amplify Signature is not designed as a travel credit card. Any overseas purchases made with this card will incur a foreign transaction fee, so customers looking for a travel card may be better off with a credit card that charges no international purchase fees.

What RateCity says

The St. George Bank Amplify Signature credit card may be a reasonable choice for high spenders who seek to build points quickly. However, for many, the card does not offer adequate benefits to support the high annual fee.

Potential card holders who wish to minimise fees should consider shopping for a no annual fee card that may be more appropriate. The St. George Bank Amplify Signature does not waive the annual fee in the first year, which may deter some from signing up.

Similarly, those who struggle to pay their credit card bill in full each month may not find this card beneficial. The card charges moderately high interest rates that could cause problems for budget card holders. These customers may be better off with a card that offers lower interest rates and a lower annual fee.


Customers can apply for a single or joint Amplify Signature card online, over the phone or in a St. George Bank branch. To be eligible, you need to be at least 18 years old and be an Australian citizen or permanent resident. When applying, you’ll need to provide certain information, including photo identification and foreign tax details where applicable. You’ll also need to submit your income and employment details, as well as any financial commitments that may be relevant.

About St. George Bank

St. George Bank was founded in 1937 in the southern suburbs of Sydney. Before achieving full banking status in 1992, St. George was known as one of Australia’s foremost building societies. Now, St. George Bank offers a wide variety of financial services to Australian consumers and businesses. Their offering includes bank accounts, credit cards, home loans, personal loans, investments and a range of insurance policies. In December 2008, St. George Bank became a part of Westpac Banking Corporation.


Credit cards offering rewards can be great if you know you’ll use the card enough to get significant rewards points, and use the rewards you earn.

They can also come with high annual fees that may end up nullifying the rewards, so think how often you use the card to decide whether the benefits outweigh the extra cost for you. A card with a lower annual fee might require a lot of spending to get any useful rewards, while another card with a higher annual fee might need fewer purchases to get a reward.

Also, think about the types of benefits you’d like. There’s no point in getting a card with rewards for retailers you never visit, or travel you don’t have time to use.

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