Amplify Qantas Signature
Our top-tier credit card for people who love Qantas Points
Quick snapshot
Our highest Qantas Points earn rate, complimentary insurances, lounge passes and much more.
| $295 | Annual card fee |
| $155 | Annual Qantas Rewards Program fee |
| 23.98% p.a. | Variable interest rate on purchases |
| Up to 45 days | Interest free on purchases2 |
| $15,000 | Minimum credit limit |
| 1.5 | Qantas Points per $1 on international spend |
| 0.8 | Qantas Points per $1 on everyday spend |
| 0.4 | Qantas Points per $1 spend on all other purchases^^ |
See below for standard rates and fees.
What kind of businesses are included in the new 'everyday spend' category?
Our 'everyday spend' category consists of 4 sub-categories: supermarkets, department stores, petrol stations, dining and utilities. Below is a list of examples of merchants included in these 4 categories:
- Supermarkets include stores such as Woolworths, Coles, IGA, Harris Farm and ALDI
- Department stores include stores such as Kmart, Target, Big W, David Jones and Myer
- Petrol stations include stores such as 7-Eleven, Shell, Ampol, Caltex and BP
- Utilities include payments for water, gas, electricity, internet, mobile and streaming services (excluding BPAY® payments).
Amplify Qantas Signature offer
150K
BonusQantas Points
Earn up to 150,000 bonus Qantas Points> — 90,000 Qantas Points in year 1 if you spend $6k+ on eligible purchases† within 90 days of new card approval and an extra 60,000 points with $6k+ spend on eligible purchases† within 90 days of card anniversary in year 2.
Already with St.George? Sign in to apply for a $200 first year card fee (reverts to $295 p.a. thereafter)~.
Qantas Frequent Flyer
Why you’ll love the Amplify Qantas Signature card
'Double dip' for double Points
Whether you are purchasing groceries or stocking up on Qantas Wine, you can earn points twice when you use your Qantas Points earning credit card to do your shopping with Qantas and our partners.
2 Qantas lounge passes
Enjoy 2 complimentary Qantas lounge visits each year when you register your details at loungepass.stgeorge.com.au6.
Shop through ShopBack. Get Cashback
Link and pay with your eligible St.George credit card to get exclusive bonus Cashback when you shop on the new St.George Lounge on the ShopBack app.
Other reasons to choose
Exclusive to Amplify Signature cardholders, our Concierge Service allows you to explore and book experiences online, including hard-to-find tickets, last-minute reservations and more7. Find out more.
Key rates and fees
| $295 | annual card fee |
| 23.98% | p.a. variable interest rate on purchases |
| 23.99% | p.a. variable cash advance interest rate |
| $20 | fee applied for each late payment or missed payment |
| $155 | annual Qantas Rewards Program fee |
| 3.5% | of each cash advance amount |
| 3% | of the Australian dollar value for transactions with merchants based overseas |
New cards only.
Fees and rates are subject to change. Read our credit card key facts sheet.
Before you apply
Check whether you're more likely to be approved
- Aged 18 or over AND
- Live at a fixed Australian address AND
- Receive a regular and verifiable Australian taxable income AND
Meet ONE of the following three requirements:
- Be an Australian or New Zealand citizen OR
- Be an Australian permanent resident OR
- Hold a valid temporary residence visa with a minimum of 1 year before expiry. See eligible Australian Visa (PDF 1MB)
Important information
>Amplify Qantas Signature Bonus Qantas Points Offer: Offer commenced 1st May 2026. To be eligible for bonus Qantas Points, you must apply and be approved for a new Amplify Qantas Signature credit card before the offer is withdrawn. You will receive an initial 90,000 bonus points if you spend $6k or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active. In your second year, spend a minimum of $6k on eligible purchases within 90 days of your card opened date anniversary, and you'll earn an additional 60,000 bonus points. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. 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 from 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 24 months, or Credit Card Product Switches, upgrades or Westpac group staff are not eligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
~Existing Customer Amplify Qantas Signature Discounted First Year Fee: Offer commenced 1st May 2026. The discounted first year card fee promotion is available for existing customers when you apply and are approved for a new Amplify Qantas Signature credit card before the offer is withdrawn. The first year card fee at the special promotional rate will be debited to your card account on your Card Fee date and the full card fee will be debited annually thereafter. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
Amplify Qantas: To earn and redeem points, you must be a member of the applicable rewards program. Annual Rewards Program fees apply and vary by rewards program. See the applicable card product page for details.
^^If you choose to make any payment in any category using an intermediary service (such as Afterpay, PayPal or similar services), these transactions will be categorised as 'all other purchases'. We classify transactions using information provided to us by the card scheme (Visa or Mastercard), which tells us about the main type of business conducted by the Merchant.
The earning and redeeming of Qantas Points is subject to the Amplify Terms and Conditions (PDF 1MB). 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.
2 Interest free period: is available when you pay the Closing Balance (or the Monthly Payment Balance if you have a Balance Transfer or Plan&Pay) in full by the payment due date.
3 Qantas and Jetstar Any Seat Awards are available on any flight with a QF or JQ flight number. The points required will be quoted when booked. There is no fixed relationship between the cash price charged by the applicable airline for a seat and the points required to redeem an Any Seat Award through Qantas Frequent Flyer. Special promotional fares may not apply. Award flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply). For more information see qantas.com/frequentflyer. The Jetstar Any Seat Awards booking service is operated by Carlson Marketing Group (Aust) Pty Ltd trading as Carlson Leisure Travel Service Licence No. 2TA 5778, IATA 02-3 59523 For more information on the Qantas Frequent Flyer program, visit qantas.com/frequentflyer.
6 Qantas Club Complimentary Lounge Invitations: As a St.George Amplify Qantas Signature cardholder earning Qantas Points, you are eligible for two Qantas Club Complimentary Invitations within each 12-month period of your card opening date, provided you meet the eligibility criteria: you must first register your St.George Amplify Qantas Signature credit card via loungepass.stgeorge.com.au and use your card in Australia to purchase selected Qantas products and services within the current 12-month period. Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number), Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas.
Qantas Club Complimentary Invitations will be made available within 14 business days of meeting eligible spend via the Complimentary Lounge Invitations Portal, provided you are not in breach of the Credit Card Terms and Conditions (PDF 1008KB) and your account remains open. Log in to the portal using your Qantas Frequent Flyer account to access your invitation, link it with an eligible Qantas flight booking, or to find out more information. To receive your Complimentary Invitations, you must have provided St.George with your Qantas Frequent Flyer Number. If you have not yet registered for your complimentary Qantas Frequent Flyer Membership, you may join at qantaspoints.com/ffjoinstg.
Qantas Club Complimentary Invitations are provided courtesy of St.George, and are valid for Qantas Club and Qantas operated International Business Lounges only (excluding Los Angeles Tom Bradley Airport lounge). Each Complimentary Lounge Invitation is valid for a single visit by one guest to a Qantas Club domestic lounge, Qantas International or Qantas International Business Lounge, and must not be used prior to expiry.
Access and use are subject to the Complimentary Lounge Invitation Terms and Conditions and the Lounge Entry Terms and Conditions.
7 Concierge Services are provided by a third party supplier. For further details including terms and conditions visit www.stgeorge.tenconcierge.com
9 Bonus Qantas Points earned on Qantas passenger flights (with a QF flight number) booked directly with Qantas, Qantas Club and Qantas Frequent Flyer memberships, when purchased from Qantas and charged as a domestic transaction only. Excludes Jetstar flights and services. You do not earn bonus points on Qantas Freight, Qantas Business Travel, Jetset Travelworld channels and Qantas Staff Travel, and on any international transactions, whether charged in Australian Dollars and/or in any foreign currency.
10 Any offer through Visa Luxury Hotel Collection is valid at participating properties and Visa Platinum and Signature cardholders in the Australia/Pacific, Europe, Middle East and Africa (APCEMEA) regions. Offer is only valid when you pay with a valid and eligible Visa card. Best Available Rate applicable. Not applicable on discounted rates or combined with other offers at time of enquiry/booking. One daily breakfast per person during stay. Excludes all applicable taxes, services, gratuities and charges, and must be a valid and eligible Visa card. Void where prohibited, taxed or restricted by law. All reservations are subject to availability at time of confirmation. Visa and participating properties reserve the right to vary the terms and conditions of this offer. For updated list of participating properties, please visit www.visaluxuryhotels.com or call Visa Concierge for details.
11 An additional credit card can be issued on the primary cardholder's account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. All Qantas Points remain the benefit of the primary cardholder.
12 Fraud Money Bank Guarantee: Our St.George Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted St.George promptly. Refer to the Credit Card Terms and Conditions (PDF 268KB) for full details, including when a customer will be liable.
*Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Classic Flight Reward seats are subject to capacity controls, availability is limited and some flights may not have any Classic Flight Rewards available. The Qantas Points, taxes, fees and carrier charges stated are accurate as at 24 April 2022 but may vary at the time of booking. Status Credits and Qantas Points will not be earned on Classic Flight Rewards. Visit Classic Flight Rewards for more information.
Read the Apple Pay Terms and Conditions (PDF 149KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card, and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Read the Google Pay Terms and Conditions before making a decision and consider if it is right for you. Available for eligible cards. To use Google Pay you will need to use a compatible device with a supported operating system. See our Google Pay FAQs for more information.
Read the Samsung Pay Terms and Conditions before making a decision and consider if it is right for you. To use Samsung Pay you will need to use a compatible device with a supported operating system. See our Samsung Pay FAQs for more information.
Internet connection may be needed to make purchases using Google Pay, Samsung Pay and normal mobile data charges apply.
Android, Google Pay and Google Play are trademarks of Google Inc.
Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.