Head-to-head
St.George Amplify Signature vs Westpac Altitude Black
Rates & conditions verified 12 July 2026
Rates can change without notice. Last verified: 12 July 2026 (AEST). Please confirm details on the bank’s official page.
Two Westpac Group flagships with matching two-year bonus structures and near-identical earn bands — the real differences are the spend thresholds, the fees, and where each program's points can actually go.
St.George Amplify Rewards Signature
Best for bigger spenders who'll clear the annual thresholds and want airline transfer options plus an optional Qantas-direct program
Condition: Bonus split across two years, each tranche after a large annual spend
- Airline transfer partners
- Optional Qantas-direct program on the same card
- Longer interest-free period
Westpac Altitude Black (Rewards)
Best for those who want Altitude's partner list (Velocity, KrisFlyer and more) and Westpac's own banking app
Condition: Bonus split across two years, each tranche after a large annual spend
- Transfers to Velocity, KrisFlyer, Airpoints and more
- Qantas and Velocity variants available
- Big-four banking app
At a glance
| St.George Amplify Rewards Signature | Westpac Altitude Black (Rewards) | |
|---|---|---|
| Bonus points | 200,000 pts | 200,000 pts |
| Annual fee | $295 | $295 |
| Condition to earn it | Bonus split across two years, each tranche after a large annual spend | Bonus split across two years, each tranche after a large annual spend |
The verdict
These siblings share a parent and a playbook, so the decision is in the details. Amplify's quiet advantage is flexibility: its points can move to partner airlines, and the same card account can switch to earning Qantas Points directly — something Altitude only offers via a separate card variant with its own program fee. Altitude answers with a clean partner list of its own and Westpac's app. Compare the spend thresholds and first-year fees in the table, and pick the program whose airlines you'd actually redeem with.
FAQs
Can these cards earn Qantas Points?
Not as standard — both earn their own program's points. The Amplify card account can be switched to the Amplify Qantas program to earn Qantas Points directly, while Westpac offers Qantas earning through a separate Altitude Qantas Black variant that carries an annual program fee.
Are the bonus offers really the same structure?
Both split their headline bonus across two years, each tranche requiring a significant annual spend. The thresholds and first-year fees differ — check the table above and make sure you'd genuinely hit the spend in both years, or the second tranche never arrives.
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Information verified 12 July 2026. Rates are variable and subject to change. Confirm current rates and conditions on each provider's website before applying. This is not financial advice.