Australians looking for a premium travel and rewards credit card often compare the NAB Qantas Rewards Credit Card with the St.George Amplify Signature Credit Card.
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Both cards offer rewards, points accumulation, and travel benefits, but each caters to different spending habits and travel preferences.
This article compares these two cards to help Australians decide which one provides the most value for cashback, travel perks, and everyday spending.
Cashback and Reward Points
NAB Qantas Rewards Credit Card
- Earn Qantas Points on everyday purchases like groceries, fuel, and dining.
- Bonus Points for Qantas partner merchants and flight bookings.
- Redemption Options: Points can be redeemed for Qantas flights, upgrades, or gift cards.
St.George Amplify Signature Credit Card
- Earn Amplify Points on everyday purchases and premium categories.
- Bonus Points on online shopping, dining, and travel.
- Redemption Options: Points can be converted into flights, gift cards, statement credits, or other rewards.
Verdict: NAB Qantas Rewards is ideal for those who prioritise frequent flyer points, while St.George Amplify offers versatile reward points for both travel and lifestyle purchases.
Travel Benefits
NAB Qantas Rewards
- Complimentary travel insurance covering medical emergencies and trip cancellations.
- Exclusive Qantas partner offers and travel discounts.
- Widely accepted internationally.
St.George Amplify Signature
- Travel insurance included for cardholders.
- Access to partner travel deals, including flights and accommodation.
- Some cards offer priority travel services depending on tier.
Verdict: Both cards provide travel insurance and partner discounts, but NAB Qantas Rewards has a stronger focus on airline loyalty benefits, making it slightly better for frequent Qantas travellers.
Credit Limits and Fees
NAB Qantas Rewards
- Flexible limits based on income and credit profile.
- Moderate annual fees suitable for most Australians.
- Focus on points accumulation and everyday spending.
St.George Amplify Signature
- High credit limits for premium cardholders.
- Annual fees slightly higher, reflecting added perks.
- Rewards and cashback tailored to lifestyle and premium spending.
Verdict: NAB is more accessible for everyday users, while St.George Amplify Signature targets premium users who spend more on lifestyle and travel categories.
Security and Additional Features
Both cards offer:
- Fraud monitoring and protection.
- Purchase protection for eligible items.
- Online and mobile account management to track points, cashback, and spending.
Which Card Is Right for You?
- Choose NAB Qantas Rewards if you want:
- Frequent flyer points with Qantas.
- Cashback and reward points on everyday spending.
- Moderate annual fees and flexible limits.
- Choose St.George Amplify Signature if you want:
- Higher points accumulation for online shopping, dining, and travel.
- Premium credit limits and lifestyle-focused rewards.
- A versatile rewards program redeemable for flights, gift cards, or statement credits.
Final Thoughts
Both the NAB Qantas Rewards Credit Card and St.George Amplify Signature Credit Card are excellent options for Australians seeking rewards and travel benefits. NAB is ideal for those focused on Qantas points and airline perks, while St.George Amplify Signature suits users who want versatile reward points, premium limits, and lifestyle benefits.
By understanding your spending patterns, travel frequency, and reward preferences, you can select the card that delivers the most value for your lifestyle and financial goals.
