St.George Amplify Rewards Signature (Existing customers, through log in)
I estimate a first-year value of $336 when the rewards are used for flights.
37,333 Krisflyer points, estimated value · 100,000 St.George Amplify points · spend $12,000 in 365 days
Available
I'd like to use my bonus for:
37,333 Krisflyer points at 1.5¢ − $224 first-year fees. Flight value is an estimate, not cash. Assumes you earn the bonus and pay in full.
These terms are currently available (site published 11 Oct 2026).
What this calculation assumes
- You make the required purchases and the bonus is paid.
- You pay the balance in full — any interest changes the outcome.
- The required spend is ordinary planned spending, not extra cost.
- Gift-card rates are the recorded redemption catalogue, rechecked at renewal.
Did this help you make a decision?
Can I get this?
This is an offer for existing customers.
Can I get this bonus if I have held a card before?
The bonus holding rule for this offer is unverified. Check the offer terms before applying.
See exclusion periods for every Australian issuer →What must I spend?
$12,000 within 365 days — about $986 per month. The terms on this page don't record when the clock starts or how long the bonus takes to arrive after you qualify — check the issuer terms for both.
Can I get the card?
$15,000 minimum credit limit — a lending commitment, not a reward fact.
No minimum income recorded — this does not mean there is none.
Lending approval is separate from bonus eligibility: approval gets you the card, the conditions above get you the bonus.
How long is this available?
No recorded end date — this does not mean it never ends. Availability is rechecked against the issuer page.
What else makes the card useful?
Reward use
Ways to turn points into value.
- Points Transfer Benefits Compare across cards →Amplify Points can be converted to transfer-partner rewards/frequent flyer points or to Everyday Rewards points; you must be a member of the relevant transfer partner program, T&Cs and a joining fee may apply
Check membership, transfer ratios, minimums, and fees before choosing gift cards or flights.
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Amplify Points can be converted to transfer-partner rewards/frequent flyer points or to Everyday Rewards points; you must be a member of the relevant transfer partner program, T&Cs and a joining fee may apply
No source recorded for this benefit.
Purchase protection
Cover on things you buy with the card. Limits, excesses, and activation conditions apply.
- Purchase Protection Insurance Compare across cards →Items purchased on the card covered against theft, accidental damage or permanent loss for 4 months, up to $10,000 per item ($3,500 for jewellery, watches and new works of art), $135,000 total per 12 months; $300 excess
Check the cover period, the card-payment condition, claim limits, and excess.
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Items purchased on the card covered against theft, accidental damage or permanent loss for 4 months, up to $10,000 per item ($3,500 for jewellery, watches and new works of art), $135,000 total per 12 months; $300 excess
- Extended Warranty Insurance Compare across cards →Extends the manufacturer's Australian warranty on eligible products purchased on the card for an equal period up to a maximum of 2 extra years (no cover if warranty exceeds 5 years), up to $20,000 per product; $300 excess
Check how much extra cover it adds, which warranty lengths qualify, limits, and excess.
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Extends the manufacturer's Australian warranty on eligible products purchased on the card for an equal period up to a maximum of 2 extra years (no cover if warranty exceeds 5 years), up to $20,000 per product; $300 excess
Travel
Travel cover and perks. Most need qualifying bookings or payment with the card.
- Lounge Access Compare across cards →2 visits/year · Priority Pass
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Amplify Rewards cardholders get 2 complimentary Priority Pass lounge visits each year; primary cardholders only, must enrol at prioritypass.com/amplifysignature; extra and guest visits charged to the card
No source recorded for this benefit.Learn more - Hotel Benefits Compare across cards →Access to Visa Luxury Hotel Collection with best available rate guarantee, room upgrade when available and one daily breakfast per person at participating properties
Check qualifying bookings and availability.
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Access to Visa Luxury Hotel Collection with best available rate guarantee, room upgrade when available and one daily breakfast per person at participating properties
No source recorded for this benefit. - Travel Insurance Compare across cards →Complimentary international travel insurance for trips up to 6 months (Level 1 Card) when at least $500 of prepaid travel costs are charged to the card; overseas emergency medical and evacuation are unlimited, plus cancellation, luggage, rental vehicle excess and personal…
Check the cover period, the activation condition, and who counts as an insured person.
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Complimentary international travel insurance for trips up to 6 months (Level 1 Card) when at least $500 of prepaid travel costs are charged to the card; overseas emergency medical and evacuation are unlimited, plus cancellation, luggage, rental vehicle excess and personal liability cover. Also includes Interstate Flight Inconvenience Insurance for domestic flights ($3,000 cancellation, flight/luggage delay, $1,500 luggage)
- Rental Vehicle Insurance Compare across cards →Rental Vehicle Excess in Australia cover (and overseas rental vehicle excess under travel insurance) up to $5,500 when the rental is charged to the card; $300 excess
Check overseas rental excess separately from Australian cover, plus limits and activation for each.
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Rental Vehicle Excess in Australia cover (and overseas rental vehicle excess under travel insurance) up to $5,500 when the rental is charged to the card; $300 excess
- Transit Accident Insurance Compare across cards →Overseas Transit Accident Insurance pays up to $750,000 for loss of life and up to $500,000 for specified injuries while travelling on public transport overseas when the trip is charged to the card
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Overseas Transit Accident Insurance pays up to $750,000 for loss of life and up to $500,000 for specified injuries while travelling on public transport overseas when the trip is charged to the card
Everyday savings
Discounts and cashback on spending. Activation and caps vary.
- Shopping Benefits Compare across cards →Discounted gift cards and special deals via the My Offers Hub, plus access to Visa Offers and Perks discounts
Check activation and purchase conditions. Amounts here don't add to the bonus calculation.
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Discounted gift cards and special deals via the My Offers Hub, plus access to Visa Offers and Perks discounts
No source recorded for this benefit.
Account management
Tools for running the account — repayment helpers, not reward value.
- No Foreign Currency Conversion Fee Compare across cards →3% fee of the Australian dollar value for transactions with merchants based overseas.
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3% fee of the Australian dollar value for transactions with merchants based overseas.
No source recorded for this benefit. - Concierge Service Compare across cards →Personal concierge service exclusive to Amplify Signature cardholders to explore and book experiences, hard-to-find tickets and last-minute reservations; provided by a third-party supplier
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Personal concierge service exclusive to Amplify Signature cardholders to explore and book experiences, hard-to-find tickets and last-minute reservations; provided by a third-party supplier
No source recorded for this benefit.Learn more - Digital Wallet Integration Compare across cards →Supports Apple Pay, Google Pay and Samsung Pay
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Supports Apple Pay, Google Pay and Samsung Pay
No source recorded for this benefit. - No Additional Cardholder Fee Compare across cards →Add a complimentary additional cardholder aged 16 or over at no fee; additional cardholders cannot redeem rewards
Check account liability and age or redemption restrictions.
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Add a complimentary additional cardholder aged 16 or over at no fee; additional cardholders cannot redeem rewards
No source recorded for this benefit. - Interest Free Periods Compare across cards →Up to 55 days interest free on purchases when the Monthly Payment Balance is paid in full by the due date each month; does not cover cash advances
Interest-free terms change often — confirm the current days with the issuer before applying. This recorded term may be out of date.
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Up to 55 days interest free on purchases when the Monthly Payment Balance is paid in full by the due date each month; does not cover cash advances
No source recorded for this benefit. - Installment Plans Compare across cards →Plan&Pay lets you split eligible purchases into instalment plans
Check applicable charges and eligibility — a repayment plan, not reward value.
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Plan&Pay lets you split eligible purchases into instalment plans
No source recorded for this benefit. - Online Banking Features Compare across cards →Repayment management tools including Plan&Pay, Autopay, and SMS and email alerts via St.George Internet and Mobile Banking
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Repayment management tools including Plan&Pay, Autopay, and SMS and email alerts via St.George Internet and Mobile Banking
No source recorded for this benefit.
Should I keep it after the first year?
Renewal costs $370 each year ($295 annual fee + $75 program fee) — first year was $224.
Second year pays 100,000 St.George Amplify points if you still hold the card into year two. The recorded terms don't detail the exact second spend hurdle — check the issuer terms before counting on it.
Ongoing earn: 1.00x St.George Amplify points per $1.
Keeping pays off only if you meet the second-year conditions and use the points and benefits enough to cover $370/yr.
Year-two points aren't dollar-valued here: the redemption catalogue may change before renewal, so recheck the rate then.
Terms and evidence
Full current terms
Offer terms
First Year Points
100,000 points
St.George Amplify
Second Year Points
100,000 points
With $295 annual fee
Minimum Spend
$12,000
within 365 days
Ongoing Earn Rate
1.00x points per $1 spent
Fees
First Year Annual Fee
$149
Ongoing Annual Fee
$295
From year 2 onwards
Program Fee
$75
Additional fee for reward program participation
Purchase Interest Rate
23.98% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefit history (10 changes)
- Lounge AccessUpdated May 2026
Now 2 visits/year · Priority Pass.
- Interest Free PeriodsUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
- Hotel BenefitsUpdated May 2026
- Concierge ServiceUpdated May 2026
- No Additional Cardholder FeeUpdated May 2026
- Rental Vehicle InsuranceUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
- Travel InsuranceUpdated May 2026
Offer terms history
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 11 Oct 2026
Availability changed from ended to available; conditions unchanged.
Changes from terms version 10
Changes from terms version 9
Changes from terms version 8
No recorded term changes from the previous version.
No recorded term changes from the previous version.
Changes from terms version 5
Changes from terms version 4
Changes from terms version 3
Changes from terms version 2
Changes from terms version 1
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Archived notes
Earlier notes about this offer, kept as an archive — not current terms. Note dates are separate from terms publication dates.
- Expiration changed from 30/04/24 to 31/07/243 years ago
- Expiration changed from 06/11/23 to 30/04/243 years ago
- Added, first year annual fee is $993 years ago
Discussion
About the current terms (published 11 Oct 2026).
Community and personal tools
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