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Our Amplify Rewards card will soon no longer be available

From 20th August 2021, we will no longer be offering our Amplify Rewards credit card. If you’d like this card, your completed application needs to be submitted before 20th August 2021. You’ll also need to activate your new card by the 4th October 2021.
Note you will not be able to retrieve a part-completed application after 20th August 2021. Please call 13 33 30 for further information or help with your application.
Our Amplify Rewards Platinum and Amplify Rewards Signature cards are not impacted by this change.

Quick snapshot

Earn Amplify Points with each eligible purchase you make.

St.George Amplify Rewards credit card
$79 Annual card fee
1 Amplify Point Per dollar on eligible purchases – uncapped1
19.74% p.a. Variable interest rate on purchases
Up to 55 days Interest free on purchases2
$500 Minimum credit limit

See below for standard rates and fees.

What is Amplify Rewards?

The St.George Amplify Rewards program offers flexibility in how you can use your points. For starters, the points you earn never expire, giving you as much time as needed to build your balance.

When you are ready to redeem, you can choose from merchant gift cards, travel options, shopping at our own online store - you can even transfer them to one of our partner airline frequent flyer programs3 or donate to one of our listed charities. The choice is yours.

For example, 11,100 Amplify Points currently gets you a $50 e-gift card from a range of merchants such as David Jones, Myer, JB Hi-Fi, Bunnings and others<.

St.George Amplify Rewards credit card

Why you'll love the Amplify Rewards card

Amplify Points

Earn 1 point for every dollar spent on eligible purchases – uncapped1.

Lower annual card fee

At just $79 each year, it’s the lowest fee of our rewards cards. If you want, you could even pay for it using some of your Amplify Points.

Up to 55 days interest-free

That’s more time to pay your purchase balance and avoid interest charges on your purchases2. The interest-free days don’t cover cash advances.

Other reasons to choose

If you haven’t used credit much before, or aren’t confident using it, the $500 minimum limit can help ensure your spend doesn’t get out of control.

Key rates and fees

  • 19.74% p.a. variable interest rate on purchases
  • $79 annual card fee
  • 21.49% p.a. variable cash advance interest rate
  • $15 fee applied for each late payment or missed payment
  • 2% of each cash advance amount (minimum of $2.50 capped at $150 per transaction)
  • $9 for each dishonour of a payment under the Autopay automatic payment arrangement
  • 3% of the Australian dollar value for transactions with merchants based overseas

Before you apply

Follow this section to improve the likelihood your application is approved. 

  • You’re aged 18 or over
  • You’re an Australian citizen or have a permanent residency visa
  • You have a regular, verifiable income
  • You have a residential address in Australia.

Important information

Conditions, fees and credit criteria apply. This card is issued as a Visa card. Before making a decision read the Terms and Conditions and consider if the product is right for you. 

Switches, upgrades, or Westpac Group staff are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

<Converting Amplify Points: You can convert the points earned on your Amplify Rewards Signature or Amplify Rewards Platinum credit card to e-gift cards via the Amplify rewards website. The estimated e-Gift card value in the above examples are based on current redemption rates as at 10th February 2021 and is subject to change without notification. All redemption of Amplify Points are subject to availability and the Amplify Terms and Conditions (PDF 136KB).

1 The earning and redemption of Amplify Points is subject to the Amplify Terms and Conditions (PDF 136KB). 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.

2 55 Days Interest Free: Receive up to 55 days interest free on your purchases if your account is paid in full by the due date shown each month (excluding any balance transfers and Plan&Pay instalments), this is called the Monthly Payment Balance on your statement.

3 You must be a member of the relevant frequent flyer program to redeem Amplify Points for frequent flyer points. The Amplify Terms and Conditions (PDF 136KB) and the terms and conditions of the relevant frequent flyer program apply. A joining fee may apply. Availability of award flights may be limited. For more information on the Amplify Rewards program, visit

4 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 Amplify Points remain the benefit of the primary cardholder.

5 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 303KB) for full details, including when a customer will be liable.

Read the Apple Pay Terms and Conditions (PDF 55KB) 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 (PDF 86KB) 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 (PDF 111KB) 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.