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St.George Amplify Qantas Signature Card
Earn 0.75 Qantas Points per $1 spent (up to $250k annually) and receive two complimentary Qantas lounge visits each year with a St.George Amplify Qantas Signature card.
- Signup bonus
- 90,000 Qantas Points, when you spend a minimum of $6,000 on eligible purchases within the first 3 months of approval
- Points Earned
- Earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. Bonus Qantas Points not included in the cap.
- Annual fee
- $295 p.a. ongoing + $75 Annual Qantas Rewards Program fee
Australian Frequent Flyer is currently not accepting applications for this card offer.
Get notified when it’s live.
Why we like the St.George Amplify Qantas Signature Card Guide
As an alternative to the St.George Amplify Rewards Signature card, which earns Amplify Points, St.George offers the Amplify Qantas Signature credit card. This card earns 0.75 Qantas points on everyday purchases, up to a total spend of $250,000 per annum. Also, you’ll receive 10% “birthday bonus” points each year!
This card also includes some handy travel perks such as two annual Qantas lounge invitations upon registration and complimentary travel insurance. Additionally, there’s a great Qantas points sign-up bonus.
Key Information & How to Apply
Key facts about this card
- Card type
- Visa
- Signup bonus
- 90,000 Qantas Points, when you spend a minimum of $6,000 on eligible purchases within the first 3 months of approval
- Annual fee
- $295 p.a. ongoing + $75 Annual Qantas Rewards Program fee
- Interest rate
- 19.49% p.a.
- Interest-free days
- Up to 55 days
- Minimum monthly repayment
- 2% of outstanding balance or $10, whichever is higher
- Minimum credit limit
- $15000
- International transaction fee
- 3%
To apply for this card, you will need
- To be an Australian citizen, resident or long-term visa holder aged 18 or over
- No history of bad debt or payment default
- Your Australian driver’s licence number and proof of income
- 10-15 minutes to complete your application
Australian Frequent Flyer is currently not accepting applications for this card offer.
Get notified when it’s live.
Contents
Sign-up bonus
Apply for a St.George Amplify Signature card by 30 November 2023 to earn 90,000 bonus Qantas Points!
To receive the bonus points, you would need to spend at least $6,000 on eligible transactions on your card within 90 days of approval.
This offer is not available to existing St.George, Bank of Melbourne or BankSA cardholders, or if you have held a credit card from any of those banks in the last year.
To give you an idea, it would cost 83,000 Qantas Frequent Flyer points + $244 in taxes to fly Qantas Business Class from Sydney to Nadi, Fiji and back.
See our guide to redeeming Qantas Points effectively for more information on using Qantas Points.
Travel benefits
Here’s an overview of the travel benefits you can expect…
Qantas lounge invitations
As a St.George Amplify Qantas Signature cardholder, you’ll receive complimentary Qantas lounge invitations each year. To activate these passes each year, you’d need to register for the offer and then make a purchase from Qantas.
These lounge passes can be redeemed at any domestic Qantas Club lounge or Qantas international Business Lounge (excluding in Los Angeles) when flying on the same day with Qantas or Jetstar.
Complimentary travel insurance
This card comes with complimentary access to international travel insurance. It also includes interstate flight inconvenience insurance and rental vehicle excess cover in Australia.
This insurance is underwritten by Allianz. To be eligible for the international travel insurance benefit, you would need to:
- Live in Australia,
- Be less than 81 years old,
- Start and end your journey in Australia,
Have a return overseas travel ticket before leaving Australia, and - Spend at least $500 towards your trip on your St.George credit card before leaving Australia.
Before using this insurance, we’d encourage you to read the PDS here.
Visa Luxury Hotels
As a St.George Amplify Signature cardholder, you’ll get access to Visa’s Luxury Hotel Collection. This provides a “best available rate guarantee” and upgrade benefits when using your Visa credit card to book participating hotels through Visa Luxury Hotels.
Earning points
With a St.George Amplify Qantas Signature card, you’ll earn 0.75 Qantas Points per $1 spent on eligible transactions. This excludes government payments.
You’ll earn Qantas Points at this rate on the first $250,000 spent on your card each calendar year (i.e. from January to December). Unfortunately, no Qantas Points are earned on amounts spent over this amount each year. Bonus points do not count towards the annual cap.
Points earned from this card will be deposited into your Qantas Frequent Flyer account after the end of each monthly statement cycle. Qantas points expire if there is no activity in your Qantas Frequent Flyer account for 18 months. But if you’re earning points each month, your account will remain active.
The points earned from this card also count towards Qantas Points Club.
Birthday bonus
Each year, within four weeks of your birthday, St.George will credit an additional 10% of the points you’ve earned over the previous 12 months to your Qantas Frequent Flyer account! This means that you’re effectively earning 0.825 Qantas Points per dollar spent, assuming you keep your card open until after you’ve received your birthday bonus for that year.
Earning points for ATO & government payments
Unfortunately, payments made directly to the Australian Tax Office (ATO) or other government bodies in Australia with your St.George Amplify Qantas Signature card are not eligible to earn points.
However, you can use a payment service such as pay.com.au to pay tax and other bills with this card, and still earn points at the full rate!
Using Qantas Frequent Flyer points
You can use your Qantas Frequent Flyer points towards a wide range of rewards including reward flights, upgrades, hotel bookings or car rentals. And you can even put your points towards Qantas Wine purchases, Qantas Rewards Store purchases and even Classic Rail Rewards.
Classic Rewards
Arguably, the best value uses of Qantas points are on Classic Upgrade Rewards and Classic Flight Rewards. You can request an upgrade with Qantas points on any Qantas operated and marketed flight, or book a Classic Flight Reward seat with Qantas or any of its many partner airlines.
Qantas Classic Flight Rewards start at 6,400 Qantas Points + taxes & carrier charges for flights in Jetstar Economy Class, or 8,000 Qantas Points + taxes & carrier charges for a Qantas Economy Class flight of up to 600 miles (e.g. on the Sydney-Gold Coast route). Qantas Business Class reward seats start from 18,400 Qantas Points + taxes & carrier charges (e.g. for a Melbourne-Sydney flight).
Oneworld member airlines
Qantas is part of the Oneworld alliance, meaning you can redeem Qantas Points to fly with any of the other Oneworld member airlines. In fact, a popular use of Qantas points is the Oneworld Classic Flight Reward which allows you to travel around the world with up to 5 stopovers. This costs 132,400 Qantas Points in Economy Class or 318,000 Qantas Points for Business Class.
Qantas’ other partner airlines include Emirates, Jetstar, Fiji Airways, El Al and LATAM Airlines.
You can check the number of Qantas points needed on any route for an upgrade or reward flight on the Qantas website.
Classic Flight Reward bookings can be excellent value – especially if you’re booking a seat in Premium Economy, Business or First Class. However, beware that reward seat availability is limited. It can be difficult to find seats on popular routes and peak travel dates, especially if you’re looking for multiple seats.
When redeeming Qantas points for a Classic Flight Reward redemption, you’ll need to pay any applicable taxes & carrier charges in addition to the points. On some airlines, such as Emirates, these carrier charges can be quite expensive. However, other Qantas partner airlines have relatively low or no carrier charges including Fiji Airways, American Airlines, Alaska Airlines, LATAM Airlines, China Airlines and Air New Zealand.
For more details on redeeming Qantas points, see our Overview of Qantas Frequent Flyer Redemptions.
Summary
Pros
- Receive two annual Qantas lounge invitations
- A decent Qantas Points earn rate for a non-Amex credit card in Australia
- Birthday bonus points
- Complimentary travel and other insurances
- Compatible with Apple Pay, Google Pay & Samsung Pay
Cons
- International transaction fees apply
- Qantas Points earning is capped at the first $250k/year of spend (this should not be an issue for most people when using this card for personal spend)
- By earning Qantas points rather than Amplify Points, you forfeit the flexibility to transfer points to other frequent flyer programs at a later time
- High interest rate (this could be a problem if you don’t think you’ll be able to repay your balance in full each month)
- Signup bonus
- 90,000 Qantas Points, when you spend a minimum of $6,000 on eligible purchases within the first 3 months of approval
- Points Earned
- Earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. Bonus Qantas Points not included in the cap.
- Annual fee
- $295 p.a. ongoing + $75 Annual Qantas Rewards Program fee
Australian Frequent Flyer is currently not accepting applications for this card offer.
Get notified when it’s live.
Frequently Asked Questions (FAQs)
To apply for a St.George Amplify Qantas Signature credit card, you would need to be an Australian citizen, resident or long-term visa holder aged 18 or over with a regular, verifiable Australian taxable income and a residential address in Australia.
The minimum credit limit is $15,000.
St.George Amplify Qantas Signature cardholders receive two annual complimentary Qantas lounge invitations to use at domestic Qantas Club or international Qantas Business lounges when flying with Qantas or Jetstar. You need to register for this offer and spend with Qantas each year to receive your invitations.
Each year, within four weeks of your birthday, you’ll receive 10% of the Qantas Points you’ve earned over the previous year credited to your Qantas Frequent Flyer account as an additional bonus.
The St.George Amplify Qantas Signature card earns Qantas points and comes with two annual complimentary Qantas lounge invitations. On the other hand, the St.George Amplify Rewards Signature card earns Amplify Points which can be converted to Velocity points or KrisFlyer miles, or redeemed for merchandise, gift cards or travel bookings through the Amplify Rewards portal. That card also comes with two annual Priority Pass lounge visits instead of Qantas lounge visits.
Qantas Frequent Flyer points only expire if you do not earn or redeem any points at all for 18 months. As long as your Qantas account remains active, your points will remain valid and available to use. Regularly using your Qantas points credit card is one way that you can keep your Qantas Frequent Flyer account active.
Yes, this card supports Apple Pay, Google Pay and Samsung Pay. So, you can still use this card to make purchases when you’re out and about without carrying the physical card.
Yes, you can add a second cardholder for free who must be at least 16 years old.