Amplify Signature (Amplify Rewards)

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Basic

Card Level
Card Level
Premium
Interest Free Days
Interest Free Days
55
Maximum credit limit
Maximum credit limit
$80,000
Minimum credit limit
Minimum credit limit
$15,000
Minimum repayment dollars
Minimum repayment dollars
$10
Minimum repayment percent
Minimum repayment percent
2
Number free supplementary
Number free supplementary
1
Annual Fee
Annual Fee
$279
Late Payment Fee
Late Payment Fee
$15
Over limit fee
Over limit fee
$0
Duplicate statement fee
Duplicate statement fee
$8
Supplementary card annual fee
Supplementary card annual fee
$0
Apple Pay available
Apple Pay available
Google Pay available
Google Pay available
Samsung Pay available
Samsung Pay available
Card Level
Card Level
Premium
Interest Free Days
Interest Free Days
55
Maximum credit limit
Maximum credit limit
$80,000
Minimum credit limit
Minimum credit limit
$15,000
Minimum repayment dollars
Minimum repayment dollars
$10
Minimum repayment percent
Minimum repayment percent
2
Number free supplementary
Number free supplementary
1
Annual Fee
Annual Fee
$279
Late Payment Fee
Late Payment Fee
$15
Over limit fee
Over limit fee
$0
Duplicate statement fee
Duplicate statement fee
$8
Supplementary card annual fee
Supplementary card annual fee
$0
Apple Pay available
Apple Pay available
Google Pay available
Google Pay available
Samsung Pay available
Samsung Pay available

Rates

Purchase Rate
Purchase Rate
19.49%
Cash advance rate
Cash advance rate
20.24%
Purchase Rate
Purchase Rate
19.49%
Cash advance rate
Cash advance rate
20.24%

Balance Transfer

Balance Transfer Rate
Balance Transfer Rate
Transfer Limit
Transfer Limit
80%of the chosen credit limit
Balance Transfer Fee
Balance Transfer Fee
$0
Balance Transfer Rate
Balance Transfer Rate
Transfer Limit
Transfer Limit
80%of the chosen credit limit
Balance Transfer Fee
Balance Transfer Fee
$0

Overseas spending

Foreign Exchange Fee
Foreign Exchange Fee
3% on Visa
Overseas charges
Overseas charges
$5
Estimated ATM Cost
Estimated ATM Cost
$14for AU $300 withdrawal
Foreign Exchange Fee
Foreign Exchange Fee
3% on Visa
Overseas charges
Overseas charges
$5
Estimated ATM Cost
Estimated ATM Cost
$14for AU $300 withdrawal

Rewards

Program name
Program name
Amplify Rewards
Rewards Available
Rewards Available
Gift Card
Program name
Program name
Amplify Rewards
Rewards Available
Rewards Available
Gift Card

Eligibility

Minimum age
Minimum age
18
Minimum income
Minimum income
Eligibility conditions
Eligibility conditions
NO strict minimum income, all circumstantial
Minimum age
Minimum age
18
Minimum income
Minimum income
Eligibility conditions
Eligibility conditions
NO strict minimum income, all circumstantial

Earn Rates

RateCard TypeEarnsCondition
1.5 points for $1 spentVisauncappedeligible transactions

Perks

  • Concierge
  • Extended Warranty
  • Free Domestic Travel Insurance
  • Free International Travel Insurance
  • Free Travel Insurance Days
  • Price Guarantee
  • Free Supplementary Cards
  • Airport Lounge
Other Benefits
Birthday bonus, earn 10% of points earned in last 12 months

Features

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.

Pros
  • Free additional cardholder
  • Earns rewards points
  • Complimentary travel insurance
Cons
  • 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.

Applying/eligibility

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.

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