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 Platinum Credit Card

  • Amy Bradney-George's headshot
St.George Amplify Platinum
Terms and conditions apply
Bonus points
100,000
Purchase rate
20.99% p.a.
Reward point per $ spent
1
Annual fee for the first year ($124 p.a. thereafter)
$49 p.a.

Our verdict

Offers 100,000 bonus Amplify Points and a discounted annual fee of $49 in the first year, which goes to $124 after that.

The St.George Amplify Platinum is a rewards credit card that earns 1 point per $1 on eligible spending. It also offers 100,000 bonus Amplify Points when you apply as a new cardholder by 30 April 2025 and spend $3,000 on eligible purchases in the first 90 days from card approval. As an example, transferring these points to Velocity Frequent Flyer would give you 50,000 Velocity Points – enough for a return economy flight from Sydney to Denpasar (44,600 points plus fees and taxes). Or, you could redeem them for up to $450 in eGift cards. The St.George Amplify Rewards website doesn’t publicly list the value of most other rewards, but redemptions start from 3,000 points.

Pros

  • 100,000 bonus Amplify Points
  • $49 annual fee in the first year
  • Uncapped rewards points on eligible purchases
  • Complimentary travel insurances
  • Shopping cashbacks through ShopBack

Cons

  • Charges a 3% foreign transaction fee

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 Platinum Credit Card currently has a bonus points offer, and a discounted $49 annual fee in the first year, which goes to $124 after that. The annual fee that applies after the first year is similar to other platinum cards. But it’s still worth thinking about whether the value you’ll get from points and other perks – will justify this cost for you.

Details

Product details

Product Name St.George Amplify Platinum
Purchase rate p.a.
Purchase rate p.a.
20.99%
Interest-free period
Up to 55 days on purchases
Cash advance rate p.a. 21.99%
Min credit limit $6,000
Max credit limit $80,000
Card type Visa

Eligibility

Available to temporary residents Yes - Conditions apply
Joint application No

Rewards

Rewards program Amplify Rewards
Bonus points 100,000
Rewards points per $ spent 1
Rewards points cap Uncapped

Fees

Annual fee
Annual fee
$49 first year ($124 after)
Minimum monthly repayment 2% of the closing balance or $10, whichever is greater
Late payment fee $15
Foreign currency conversion fee
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 1
Aaron Maiorana's headshot

"I'm a keen points hunter but I also hate paying huge annual credit card fees, so when I looked for a credit card, these are two things I consider. St George Amplify Platinum ticked both my boxes because their annual card fee is on the lower side, and their earn rate is high."

Aaron Maiorana
Finder crew member

How to apply

The application process for this card should only take 10 minutes and you'll receive a response within 60 seconds. Before you get started, make sure you've met the eligibility criteria and have the necessary information ready to complete the application.

Eligibility criteria

  • New cardholder. To be eligible for the promotion, you must apply for a new card and cannot hold or have held an Amplify Platinum or Amplify Signature issued by St.George, Bank of Melbourne or BankSA in the previous 12 months.
  • Residency. To apply for this card, you must be an Australian citizen or permanent resident.

Card benefits

  • 100,000 bonus Amplify Points. Receive 100,000 bonus points when you apply, get approved by 30 April 2025 and spend $3,000 on eligible purchases within the first 90 days of card approval. Most everyday purchases are considered eligible, but BPAY transactions, fees, cash advances, ATO payments and other selected transactions are not. The bonus points will be added to your Amplify Rewards account within 12 weeks of meeting the spend requirement.
  • First-year annual fee discount. Apply by 30 April 2025 and save with a $49 annual fee in the first year (reverts to $124 p.a. thereafter).

Rates & fees

  • Annual fee. Outside of any promotions, this card charges an annual fee of $124.
  • Interest-free period. You will receive up to 55 days interest-free on new purchases when you pay your monthly payment balance listed on your statement in full by the payment due date. Note that these interest-free days are separate from any longer-term interest rate promotions and the monthly payment balance excludes current balance transfers.

Your reviews

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Amy Finder

Editor

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Avatar

Chris

May 13, 2017

Hello


Why do you have to have an employer to have an income? What if the income threshold is exceeded with investments, savings, interest and dividends?


Avatar

Anndy Lou Finder

May 13, 2017

Hi Chris,


Thanks for your question.


If you don’t have an employer and would like to apply for this card as self-employed, St. George may consider your application, but you have to provide a Notice of Assessment. If you’ve been self-employed for less than a year, you won’t be able to apply.


Cheers,

Anndy


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Anna

October 27, 2016

Hi!


Could we choose the 30,000 bonus point between Qantas reward program or Amplify reward program when we spent $2500 for the first 90 days after we applied for the card?


Avatar

Jason Finder

October 27, 2016

Hi Anna.


Thank you for your inquiry.


You can choose between Amplify Rewards or Qantas Rewards with the St.George Amplify Platinum credit card as long as you spend $2,500 in eligible purchases and if your card application is approved before January 4, 2017.


Cheers,

Jason


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Rob

June 30, 2015

I am about to travel within Australia and will be hiring a car for 5 days. Does the travel insurance attached to my card cover or reduce the excess insurance that car hire companies offer or do I need to take out extra cover when I hire the car? And, if cover is provided, what is the excess I still have to pay?


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Jonathan Finder

June 30, 2015

Hi Rob, thanks for your inquiry!


St.George will reimburse you up to A$5,500 for any insurance excess or deductible which you become legally liable to pay in respect of a claim under the comprehensive insurance policy of the rental vehicle during the rental period provided. You must pay the first A$250 for each claim. Please refer to page 41 of the PDF I have sent to your email on the full terms of this policy, to ensure that you are covered.


Cheers,


Jonathan


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Rick

April 13, 2015

What are the conditions to receive the 30,000 points? Is there a minimum spend required?


Avatar

Jonathan Finder

April 13, 2015

Hi Rick, thanks for your inquiry!


The requirements for this bonus points offer are making a first eligible purchase before 31 July 2015. Eligible purchases do not include fees, cash, cash equivalent transactions, refunds or balance transfers debited from the card account. Bonus points will be transferred within three months after the first purchase transaction is debited to your account.


Cheers,


Jonathan


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Ray

March 17, 2015

With Qantas Frequent Flyer programme, does one earn 1 point per $1 spent like other credit card providers, or do you offer only 1/2 a point for $1 spent?

Thanks


Avatar

Jonathan Finder

March 17, 2015

Hi Ray, thanks for your inquiry!


The St. George Amplify Platinum card provides the choice between earning Amplify points or Qantas Frequent Flyers points directly. If Amplify points are chosen you will only have the choice of Singapore Airlines KrisFlyer Miles, Malaysia Airlines Enrich points or Velocity Frequent Flyer Points.


Cheers,


Jonathan


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