St.George Amplify Signature Review (2026)
St.George Amplify Signature Review (2026)Rates and details verified 14 September 2026
Rates can change without notice. Last verified: 14 September 2026 (AEST). Please confirm details on the bank’s official page.
Bonus points (total)
200,000
Amplify Points over 2 years
Annual fee
$199
first year, then $295
Spend required
$12,000
per year for full bonus
About the St.George Amplify Signature
The St.George Amplify Rewards Signature is a premium Westpac Group rewards credit card offering up to 200,000 bonus Amplify Points spread across two years. It carries the highest bonus point total of any card listed on this comparison.
To earn the full 200,000 points, you need to spend $12,000 in year one (earning 100,000 points) and $12,000 in year two (earning another 100,000points). The annual fee is $199 in year one for new customers ($149 if you are an existing St.George customer), then $295 per year ongoing.
Amplify Points can be redeemed for gift cards, travel and merchandise, or transferred to St.George's partner airline frequent flyer programs (partner terms and joining fees apply). For Qantas collectors, the same card account can instead run the Amplify Qantas program, earning Qantas Points directly rather than Amplify Points — at different earn rates. The same offer is available via Bank of Melbourne and BankSA under Amplify branding.
Bonus Points Breakdown
| Period | Bonus Points | Spend Required |
|---|---|---|
| Year 1 | 100,000 pts | Spend $12,000 in first 12 months |
| Year 2 | 100,000 pts | Spend $12,000 in months 13–24 |
Not eligible if you have held a St.George, Bank of Melbourne, or BankSA rewards card in the last 24 months. Check St.George's website for full eligibility terms.
Ongoing Earn Rates
| Spend | Amplify Points per $1 |
|---|---|
| international spend | 3 pts |
| everyday spend (supermarkets, department stores, petrol, dining, utilities) | 2 pts |
| all other purchases | 1 pt |
| Beyond $10,000 spend per statement cycle | 0.5 pts |
Getting Qantas Points with this card
The card account can be switched to the provider's Qantas program to earn Qantas Points instead of Amplify Points. The Qantas earn rates differ from the table above — check with the provider before switching.
Perks and Extras
| Lounge access | 2 Priority Pass visits a yearEnrol at prioritypass.com/amplifysignature; extra visits and guests are charged |
| Travel insurance | IncludedComplimentary; cover, limits and activation rules are set by the issuer |
| Concierge | Included |
| Foreign transaction fee | Not stated |
- Up to 6 months' international travel insurance cover
- Extended warranty and purchase protection insurance
- Rental vehicle excess cover in Australia
Perks as listed on St.George's card page on 10 September 2026. Eligibility, registration steps and cover limits are set by the issuer and can change.
Pros and Cons
Pros
- ✓ 200,000 bonus Amplify Points — highest total on this comparison
- ✓ Airline transfer partners + optional Qantas-direct program
- ✓ $199 first-year fee (new customers) — reduced from $295
- ✓ 55 interest-free days on purchases
- ✓ Westpac Group — APRA-regulated Australian bank
Cons
- ✗ $12,000 spend required each year — high minimum
- ✗ $295 ongoing fee — one of the highest on the market
- ✗ Bonus spread over 2 years, not upfront
- ✗ 24-month ineligibility window for prior Amplify cardholders
How It Compares
If you prefer upfront points in year one, the Qantas Money Platinum (80k in year 1) may suit better. If you value total points over two years and can meet the $12k/year spend, St.George has the highest total.
- St.George Amplify Rewards SignatureReviewed here200,000 pts — over 2y, $199/$295 annual fee
- Qantas Money Platinum80,000 pts — (all year 1), $349/$399 annual fee
- NAB Rewards Signature110,000 pts — (80k yr1 + 30k yr2), $420/year
- CommBank Smart Awards— — $228/year, no international transaction fees
Compare head-to-head
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Information verified 14 September 2026. Offers subject to change and eligibility criteria apply. Confirm current terms on St.George's website before applying. This is not financial advice.