Summary
Let’s recap on your choice of an Amplify Qantas Signature card – before you start your application.
The important numbers
| Ongoing annual card fee | $279 |
| Variable purchase rate | 19.49% p.a. |
| Variable cash advance rate | 21.49% p.a. |
| Minimum credit limit | $15000 |
90,000 bonus Qantas Points>
When you spend $6k+ on eligible purchases in the first 90 days from new card approval.
Plus 0% p.a. interest on balance transfers for 24 months#
When requested at card application. 1% balance transfer fee applies if you make a balance transfer. The variable cash advance rate will apply after this promotional period. New cards only.
What you'll get
0.75 Qantas Points per $ spent on all eligible purchases, up to $250k p.a.³
Birthday bonus points (an extra 10% of the points earned in the last 12 months)⁵
Complimentary travel and purchase insurances⁴
2 complimentary Qantas Club Lounge passes⁷
Concierge Services⁸
Up to 55 days interest-free on purchases¹
Considerations
A higher interest rate on purchases than our Vertigo card
Our highest annual card fee
Before continuing
A final check that this is the right credit option for you. Credit cards are a secure payment method for short-term borrowing needs such as everyday purchases or unplanned expenses, with some cards offering additional features like rewards. However, there are instances where it might be worth considering another form of credit:
- You have a longer-term or specific borrowing need, like a car or home renovations. In this case, view our Personal loans
- You want a repayment schedule with fixed repayments and a defined loan end-date. In this case, view our Personal loans
- You need ongoing access to credit to help with short-term cashflow, but don’t want a credit card. In this case, look at our Overdraft
Important information
>Bonus Qantas Points Offer: The respective bonus Qantas Points promotions are available when you apply and are approved for a new Amplify Qantas Platinum or Amplify Qantas Signature credit card between 27th October 2021 and 31st December 2022, and spend the minimum amount of $3,000 on eligible purchases on a Amplify Qantas Platinum credit card or $6,000 on eligible purchases on an Amplify Qantas Signature credit card within 90 days from card approval in one or more transactions. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited to the card account. Existing customers who currently hold an Amplify, Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, or who have held one in the last 12 months, are not eligible for this offer. The bonus Qantas Points will be credited to your Points balance within 12 weeks after the eligible spend criteria is met.
#Balance Transfer Promotion: The promotional balance transfer rate is available when you apply and are approved for a new Amplify Qantas Platinum or Amplify Signature credit card between 27th October 2021 and 31st December 2022, and request at card application to transfer balance(s) from up to 3 non-St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Activating your card triggers the processing of the balance transfer. A balance transfer fee of 1% of the transferred balance(s) will apply to balance(s) transferred to a Amplify Qantas Platinum or Amplify Signature credit card. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. St.George, will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.
1 55 Days Interest Free: Receive up to 55 days interest free on your purchases if your Monthly Payment Balance is paid in full by the due date shown each month. This amount is calculated as the main account balance minus the balance transfer amount plus any Plan&Pay instalments for this month. If you do not have any Plan&Pay instalments or a balance transfer, the Monthly Payment Balance will be the same as the Closing Balance.
3 The earning and redeeming of Qantas Points is subject to the Amplify Terms and Conditions (PDF 260KB). You must be a member of the Qantas Frequent Flyer program to earn and redeem points. Purchases that are not eligible to earn points include interest, fees and charges, cash, or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Qantas Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis.
For Amplify Qantas Platinum cards, earn 0.5 Qantas Points per $1 up to a maximum of $100,000 spent on eligible purchases annually. For Amplify Qantas Signature cards, earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. This annual limit resets in January each year, based on your statement date. Bonus Points earned are not part of your annual cap.
4 Complimentary Insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible St.George cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the Complimentary Insurance Policy Information booklet (PDF 452KB) which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.
5 Birthday bonus is calculated over a period of 12 months, on the number of Amplify Points or Qantas Points (excluding bonus points) as applicable, earned on Amplify Signature Card purchases from the day of the Account Owner’s birthday to the day prior to the Account Owner’s birthday, other than the first Birthday bonus which will be calculated from the day of Card approval to the day prior to the Account Owner’s birthday. The Amplify Signature Card Account Owner will receive ten percent of the points earned during the Birthday bonus calculation period which will be credited to the Amplify Rewards or Qantas Frequent Flyer Membership Account as applicable, within 4 weeks of the Account Owner’s birthday. For Joint accounts the first listed Account Owner’s birthday is used for the calculation. The Birthday bonus can be accessed by all Account Owners.
7 Qantas Club Complimentary Lounge Invitations: As a St.George Amplify Signature cardholder earning Qantas Points, you are eligible for two Qantas Club Complimentary Lounge Invitations for each 12-month period. The 12-month period is based on the date you register your Amplify Signature card via loungepass.stgeorge.com.au/ and then use your card in Australia to purchase directly from Qantas, either passenger flights with a QF flight number or Qantas Frequent Flyer (QFF) / Qantas Club joining and / or annual fees. Note that Jetstar, Qantas Holidays and Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas are ineligible.
Qantas Club Complimentary Lounge Invitations will be made available via the Complimentary Invitations Portal, within 14 business days of you meeting eligible spend. To access your invitation, log-in to the portal using your QFF details. Once there you can link it with an eligible flight booking. To receive your Complimentary Lounge Invitations, you must have given Westpac your QFF number. If you aren’t already a QFF Member, head to qantaspoints.com/ffjoinstgeorge to join without charge.
Qantas Club Complimentary Lounge Invitations are provided courtesy of St.George and are valid for Qantas Club and Qantas-operated International Business Lounges (excluding Los Angeles Tom Bradley Airport lounge). Each invitation is for a single visit when travelling with a Qantas (QF) or Jetstar (JQ, 3K, GK, BL) flight number and is valid until its expiry date.
Access and use is subject to Qantas Club rules and T&Cs, and at the full discretion of lounge staff. Entry may not be available if a lounge is full or near capacity. Invitations are not valid in International First Class lounges, Chairman's Lounge, Qantas Domestic Business, oneworld® alliance airline, partner airline or associated lounges. Invitations must not be resold. Qantas reserves the right to cancel invitations and disqualify future invitations if you are in breach of this policy. Note Qantas Club Lounge Invitations can only be issued if you comply with the Credit Card Terms and Conditions (PDF 293KB) and your account remains open.
8 Concierge Services are provided by a third party supplier. For further details including terms and conditions visit www.stgeorge.tenconcierge.com