St.George Amplify Signature Review (2026)
Rates and details verified 18 May 2026
Rates can change without notice. Last verified: 18 May 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 100,000 points). 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 transfer to Qantas Frequent Flyer, Velocity Frequent Flyer, KrisFlyer (Singapore Airlines), and Asia Miles — giving strong flexibility for points redemptions. 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.
Pros and Cons
Pros
- ✓ 200,000 bonus Amplify Points — highest total on this comparison
- ✓ Transfers to Qantas, Velocity, KrisFlyer, Asia Miles
- ✓ $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
- St.George Amplify Signature: 200k pts over 2y, $199/$295 annual fee
- Qantas Money Premium: 120k pts (all year 1), $349/$399 annual fee
- NAB Rewards Signature: 110k pts (80k yr1 + 30k yr2), $420/year
- CommBank Smart Awards: 40k pts + $100 travel credit, $228/year
If you prefer upfront points in year one, the Qantas Money Premium (120k 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.
Information verified 18 May 2026. Offers subject to change and eligibility criteria apply. Confirm current terms on St.George's website before applying. This is not financial advice.