In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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St.George Amplify Business
Terms and conditions apply
Purchase rate
19.49% p.a.
Reward point per $ spent
Annual fee for the first year ($89 p.a. thereafter)
$0 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

Offers a $0 first-year annual fee and a choice of Amplify Rewards or Qantas Points, with a 19.49% p.a. variable interest rate for purchases.

The St.George Amplify Business credit card gives you a way to earn rewards while keeping track of your business spending, with a choice between Amplify Rewards points and Qantas Points. If you stick with the default Amplify Rewards option, you’ll earn between 0.5 and 2 points per $1 for business spending, while choosing the Qantas Points option will get you between 0.25 and 1 point per $1 spent.


  • $0 first-year annual fee
  • Up to 3 additional cards for employees at no extra cost
  • Complimentary insurance for cardholders


  • Cash advances attract a relatively high interest rate of 20.24% (variable)

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The St.George Amplify Business credit card can help you keep track of expenses, with up to 3 additional cards for employees, direct MYOB and BAS exports and complimentary insurance. You'll also get a $0 annual fee in the first year, then a $89 annual fee after that. Compared to other business credit cards, this is a relatively low yearly cost. But you do you only get up to 3 additional cards for employees, compared to other cards that offer more or even unlimited additional cards.


Product details

Product Name St.George Amplify Business
Purchase rate p.a. 19.49%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 20.24%
Min credit limit $1,000
Card type Visa


Available to temporary residents No
Joint application No


Rewards program Amplify Rewards / Qantas Frequent Flyer
Bonus points N/A
Rewards points per $ spent 1


Annual fee $0 first year ($89 after)
Late payment fee $0
Foreign currency conversion fee 3%
Cash advance fee 3%
Overseas cash advance fee 3% of each cash advance amount
Additional cardholder fee $0
Number of additional cardholders 3

How to apply

If you've compared business credit cards and have decided the St.George Amplify Business suits your needs, you can apply online in around 10 minutes. Get started by checking that you're eligible to apply and have all your relevant details and documents on hand.

Eligibility criteria

  • Business spending. You can only apply for this card if you plan to use it primarily for business spending.
  • Residency. You must be an Australian citizen or permanent resident. You must also have an Australian residential address.

Card benefits

  • First year annual fee waiver. Get a $0 annual fee in the first year, saving you $89.
  • Amplify Rewards. If you enrol in Amplify Rewards, you'll earn 2 points per dollar spent on eligible purchases overseas, 1 point per dollar spent on Australian purchases and 0.5 points per dollar on government payments, uncapped.

Rates & fees

  • Annual fee. Outside of any promotions, the St.George Amplify Business credit card charges a standard annual fee of $89.
  • Purchase rate. This card has a standard variable purchase rate of 19.49% p.a.

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