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St. George Amplify Signature

St. George Amplify Signature

Qantas Frequent Flyer, Amplify Rewards
3.6 from 18 reviews · View Statistics
See the Best Balance Transfer Credit Cards in 2021 as rated by Australians on ProductReview.com.au.
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Pros

  • 200,000 Bonus Amplify Points or 90,000 Bonus Qantas Points on offer

  • Earn 1.5 Amplify Points or 0.75 Qantas Points for each dollar spent on eligible purchases, uncapped. Plus, receive Birthday Bonus Points

  • 0% pa. on Balance Transfers for 6 months

  • Complimentary Insurance Covers and 2 Lounge Passes each year

Cons

  • $379 Annual Fee

  • 3% Overseas Transaction Fee

  • Balance Transfer Rate reverts to high Cash Advance Rate of 19.74% after the first 6 months

Details

Compare both St. George Amplify Signature
Pros
  • 200,000 Bonus Amplify Points on offer

  • Earn 1.5 Amplify Points for each dollar spent on eligible purchases, uncapped. Plus, receive Birthday Bonus Points

  • 0% pa. on Balance Transfers for 6 months

  • Complimentary Insurance Covers for Overseas Travel, Extended Warranty, Purchase Protection and Price Guarantee

  • 2 Complimentary Priority Pass Lounge Visits each year

  • 90,000 Qantas bonus points on offer

  • Earn 0.75 points per $1 spent on eligible purchases, uncapped. Plus, receive Birthday Bonus Points

  • 0% on Balance Transfers for 15 months

  • Complimentary Travel Insurance and Extended Warranty

Cons
  • $139 Annual Card Fee for the first year ($279 thereafter)

  • 3% Overseas Transaction Fee

  • Balance Transfer Rate reverts to high Cash Advance Rate of 21.49% after the first 6 months

  • 3% Overseas Transaction Fee

  • Balance Transfer Rate reverts to high Cash Advance Rate of 21.49% after the first 15 months

CategoryBalance Transfer Credit Cards and Rewards Credit CardsBalance Transfer Credit Cards and Rewards Credit Cards
Card TypeVisaVisa
BenefitsReduced First Year Annual Fee and Sign-Up Bonus Points OfferSign-Up Bonus Points Offer
Minimum Credit Limit $15,000$15,000
Minimum Repayments2%2%
Rewards ProgramAmplify RewardsQantas Frequent Flyer
Points Earn Rate 1.5 points per $10.75 points per $1
Points Conditions
  • 1.5 points per $1 spent on eligible purchases

There is no cap on earn rate.

  • 0.75 points per $ spent on eligible purchases with Australian merchants

  • 0.75 points per $ spent on eligible purchases with overseas merchants

There is no cap on earn rate.

Contactless PaymentsGoogle Pay and Samsung PayApple Pay, Google Pay and Samsung Pay
Rates & Fees
Purchase Rate19.74% p.a.19.74% p.a.
Cash Advance Fee2%
Late Payment Fee$15$15
Annual Fee$279 p.a.$279 p.a.
Foreign Transaction Fee 3%
Interest Free Period 55 days55 days
Cash Advance Rate21.49% p.a.21.49% p.a.
Introductory Offers
Sign-Up Bonus

Receive 130,000 bonus Amplify Points in year 1 plus a further 70,000 in year 2 when you spend at least $12,000 on eligible purchases each year.

Receive 90,000 bonus Qantas points when you spend at least $6,000 within 90 days of card approval.

Reduced First Year Annual Fee $139$179
Balance Transfer Rates
Balance Transfer Period 15 months15 months
Balance Transfer Rate 0% p.a.0% p.a.
Balance Transfer Fee 0%1%
Compare both St. George Amplify Signature
Visit official website

Reviews

3.6
18 reviews
  • Transparency
    4.3 (15)
  • Customer Service
    4.3 (15)
  • Rates and Fees
    3.9 (14)
  • Rewards
    4.7 (11)
  • Online Experience
    4.1 (15)
  • Application Process
    4.2 (16)
Previous
Next
Mgas
MgasSydney, NSW
  • 8 reviews
  • 2 likes

Contactless Payments - Can anybody fix this?

published
Transparency
Customer Service
Adam
AdamSydney, NSW
  • 7 reviews
  • 1 like

Great card when the sign up bonus is available

published

I signed up for this card as part of the Qantas FF promotion. Great bonus and simple card with no extra fees. Easy process and great for everyday use. Amplify point scheme is a bit unusual but can be converted easily enough to Qantas FF.

Transparency
Customer Service
Hafiz Abdur Rehman
Hafiz Abdur RehmanGreater Melbourne (Inner), VIC
  • 4 reviews

Great easy to get card for Qantas points

published

I got this card few months ago because of the wonderful signup offer and I got 90000 qantas points for that. If you want to accumulate qantas points this is the card for you, it got decent annual fee and they send qantas points directly to your account plus they give you complimentary qantas frequent flyer membership too. I have had two cards from St George and the best thing about them is that they really understand your financials and cooperate with you during the whole process. I highly recommend them as an institution.

Transparency
Customer Service
Balance Transfer Credit Cards

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Felix
FelixGreater Melbourne (Metropolitan), VIC
  • 3 reviews

Good high end visa card with rewards

published
Transparency
Customer Service
J Harvey
J HarveySydney Surrounds, NSW
  • 4 reviews

Good card when combined with signup bonus

published
Transparency
Customer Service

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Arvin V.
Arvin V.Perth, WA
  • 7 reviews

60000 bonus points

published

Got 60000 bonus points immediately after I spent 4000$ in 3 months time. Online account was user friendly. Getting the approval was not that easy. Took several attempts to get approval for credit card. But annual fees was only $49.

Transparency
Customer Service
Bear
BearSydney, NSW
  • 2 reviews

Good value card

published

There is not a lot to differentiate cards nowadays. The main difference between this and similar cards is the nice 10% birthday bonus on points. Annual fee is same or a little less than others and the 55 days interest free is worth a lot if you buy everything on card and utilise an offset account. Some cards only offering 44 days interest free, and for large monthly credit card spend that is a significant saving in offset interest each year. I also get a big points bonus they were offering for new customers, but seems everyone doing that nowadays.

Transparency
Customer Service
Alan
AlanVIC, 3029
  • 8 reviews
  • 5 likes

Good credit card but fees can be more transparent

published

The QFF rewards is a great feature. There is an ongoing annual cost but I got the credit card during promotional period and got the first year annual fee waived.
There were a couple of occasions that they charged a transaction fee without any reasons. Had to call them and got the fee waived. A bit disappointed in that regard but I did receive an apology and promise that this will not happen again. I guess it is probably the same with all other credit card providers, just need to check the transactions from time to time to make sure you are not being charged by fees that do not apply to you.

Transparency
Customer Service
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The reviewer stated that an incentive was offered for this review

ben
benGreater Melbourne (Outer), VIC
  • 6 reviews
  • 1 like

Straight forward

published

honestly the only reason I got this card was for the bonus Qantas points and Qantas lounge passes which I was able to receive with no problems. Straight forward experience

Transparency
Customer Service
Similar opinion? Write a review on ProductReview.com.au!

The reviewer stated that an incentive was offered for this review

Balance Transfer Credit Cards

Find out how St. George Amplify Signature compares to other Balance Transfer Credit Cards

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Briscoe
Briscoe
  • 4 reviews
  • 2 likes

Impossibly slow application process

published

Approved for an account after an onerous application process as compared to other banks. 8 business days and counting later still not received the card. Keep getting emails and sms messages reminding me to activate my card. Terrible speed of delivery compared to NAB and Amex.

Incentivised Review No
Sam L
Sam LSydney, NSW
  • 7 reviews

I love their mobile app

published

I was never a st george customer until they rolled out the Amplify Signature credit card with bonus Qantas flyers points, I absolute love the auto categorise features that comes with the app! Though it's not always 100% accurate, but it gives you a good ball park figure on what have you spent etc. Customer service is good too!

Transparency
Customer Service
RLCD09
RLCD09Sydney, NSW
  • 9 reviews

Great customer service

published

Use this card for my everyday purchases. I find the online app easy to use to pay off the balance on time. I've spoken with customer service about the card and the experience was pleasant. Have it linked to qantas frequent flyer points and have found they come across as expected, sometimes it's just a little delayed. Overall no issues, just a very easy card to use.

Transparency
Customer Service
ravi y.
ravi y.
  • 4 reviews

So far So good

published

Application process was easy, good part is no annual fee for first year and you can balance transfer from other cards without incurring any fee and also get interest free days. So far so good, haven’t dealt with customer support yet but time will tell.

Application Process
Card Start DateApril 2019
Card / Account Used For
  • Everyday Expenses
Similar opinion? Write a review on ProductReview.com.au!

The reviewer stated that an incentive was offered for this review

Eastwest101
Eastwest101
  • 8 reviews
  • 6 likes

Approval easy, actual card issue process difficult, when arrived and activated was a good experience using and online.

published

Applied for the card and was eventually approved many many months later due to IT glitches in St George Banks IT systems, annual fee deducted almost immediately despite the card being advertised as fee free for the first year, rang and got this annual fee reversed. Have updated review once the sign on bonus Qantas Frequent Flyer points were actually credited after the min spend requirement was met. Setting up online through the St George portal was relatively easy, auto-debit function could be setup on line (unlike some other banks), process to close the card was relatively quick easy and painless, credit card dropped off credit file after 2 months.

Transparency
Customer Service
Chamath
Chamath
  • 2 reviews
  • 2 likes

Its ok

published

Not recommended to use overseas as attract OT fees.
Great with Qantas bonus points and lounge passes. However annual fee is high. Free first year annual fee waiver is great. Other con is it take ages to transfer points to Qantas account. Mine took 3 months exactly .although it says up to 3 months

Transparency
Customer Service
Balance Transfer Credit Cards

Find out how St. George Amplify Signature compares to other Balance Transfer Credit Cards

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Questions & Answers

Danielle B.
Danielle B.asked
Amplify Signature

whats the minimum annual salary needed to apply

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St. George Amplify Signature

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