St.George Amplify Rewards Signature (Existing customers, through log in)
Churn value: $728 in flights.
You pay $224 in first-year fees.Spend $12,000 in 365 days.You get 56,000 Velocity points, worth about $952 in flights.
The recorded minimum requirements are that you can take a credit limit of at least $15,000. Meeting them does not guarantee approval.
It is only worth it if you pay in full each month and close the card before the next $370 fee.
Available
This page is my best effort to summarise the card's terms from the information I found. Read the bank's terms for full details, or contact the bank if you have questions.
I'd like to use my bonus for:
Can I get this?
This offer is only for existing customers of the bank.
Can I get this bonus if I have held a card before?
I have not checked the waiting period for this bonus.
See the waiting rules for every Australian bank →What must I spend?
$12,000 within 365 days — about $986 per month.
Can I get the card?
The minimum credit limit is $15,000. This is the least the bank may let you borrow.
I do not have a minimum income for this card.
Meeting the bonus rules does not mean the bank will approve your application. The bank must assess and approve the card separately.
How long is this available?
I do not have an end date for this offer.
What do I do, step by step?
- Apply. Check the income and waiting rules in “Can I get this?” first. If you do not pass those, the bonus does not come.
- Spend $12,000 in 365 days on bills and shopping you had to pay anyway. Do not buy extra things just to hit the number.
- Pay in full each month. Interest can eat the whole bonus. The churn value at the top assumes you never pay interest.
- Use the points for flights. Points you never use are worth zero.
- Close the card before the next fee — keeping it costs $370 a year. The next section helps you decide if keeping it is worth it.
When this is not worth it
- You pay interest, or you cannot pay in full each month.
- You buy things you do not need to hit the spend target.
- You have no trip or use in mind for the points.
- You keep the card into year two out of habit and pay the fee again.
Should I keep it after the first year?
Keeping the card costs $370 each year ($295 annual fee + $75 program fee) — the first year was $224.
The year-two bonus is 100,000 St.George Amplify points.
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.
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
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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
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
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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
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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
- 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
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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
- 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…
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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
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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
These amounts are not included in 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
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.
- 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
- 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 Additional Cardholder Fee Compare across cards →Add a complimentary additional cardholder aged 16 or over at no fee; additional cardholders cannot redeem rewards
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Add a complimentary additional cardholder aged 16 or over at no fee; additional cardholders cannot redeem rewards
- 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
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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
- Installment Plans Compare across cards →Plan&Pay lets you split eligible purchases into instalment plans
This is a repayment plan. It does not add reward value.
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Plan&Pay lets you split eligible purchases into instalment plans
- 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
56,000 Velocity points at 1.7¢ a point − $224 in first-year fees. This is flight value, not cash. It assumes you earn the bonus and pay in full.
This offer is open now (terms from 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.
- You close the card before the next annual fee, or you decide keeping it is worth that fee.
Did this help you make a decision?
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.
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 (12 versions — old terms, for checking)
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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