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Bonus points: 100,000
Purchase rate: 20.99% p.a.
Reward point per $ spent: 1
Annual fee for the first year ($175 p.a. thereafter): $99 p.a.

Our verdict

Offers up to 100,000 bonus Amplify Points and a discounted annual fee of $99 in the first year, which goes to $175 after that.

The St.George Amplify Rewards Platinum is a rewards credit card with tiered earn rates, offering up to 2 points per $1 spent on eligible purchases. It also offers 75,000 bonus Amplify Points when you apply as a new cardholder and spend $3,000 on eligible purchases in the first 90 days from card approval and an additional 30,000 points after your first eligible purchase in the second year. 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 (46,600 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.

Aside from bonus points, this card also offers a discounted first-year annual fee of $99. After that, you’ll be charged an annual fee of $175, which is competitive for a platinum rewards card.

Pros

Up to 100,000 bonus Amplify Points
$99 annual fee in the first year
Complimentary travel insurances

Cons

Charges a 3% foreign transaction fee

Details

Product details

Product Name	St.George Amplify Rewards Platinum
Purchase rate p.a.	Purchase rate p.a.20.99%
Interest-free days	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 / Qantas Frequent Flyer,Velocity Frequent Flyer
Bonus points	100,000
Rewards points per $ spent	1

Fees

Annual fee	$99 first year ($175 after)
Minimum monthly repayment	2% of the closing balance or $10, whichever is greater
Late payment fee	$15
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

"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 Rewards 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 or New Zealand citizen, Australian permanent resident or hold a valid temporary residence visa with at least 1 year before expiry.

Age. You must be at least 18 years old to apply.

Required documents

Personal details. This includes your full name, email address, date of birth, driver's licence number, marital status, number of dependents and contact number.
Proof of identification. Including your Australian driver's license, passport, Medicare card, Australian birth certificate or proof of age card.
Income. You'll need to confirm your employment and provide proof through recent payslips or bank statements.
Employer. This includes your employer's name and contact details.
Finances. You'll need to provide details about your assets and liabilities.

Card benefits

Up to 100,000 bonus Amplify Points. Receive 75,000 bonus Amplify Points when you spend at least $3,000 on eligible purchases within the first 90 days of new card approval and an extra 30,000 points after your first eligible purchase the following year. The bonus points will be credited to your account within 12 weeks of meeting the spend criteria.
First-year annual fee discount. Apply, get approved, and save with a $99 annual fee in the first year (reverts to $175 p.a. thereafter).

The Amplify Rewards program. This card offers 2 Amplify Points per $1 spent on international transactions and 1.25 points per $1 spent at major supermarkets, department stores, petrol stations, dining, and utilities. You'll also earn 1 point per $1 spent on all other eligible purchases (up to $5,000 per statement period), then 0.5 points per $1 spent thereafter. Amplify Points can be redeemed for travel, gift cards, frequent flyer points with Velocity Frequent Flyer or Singapore Airlines KrisFlyer, merchandise, charity donations or an annual fee rebate.
Existing customers. You must be an existing St.George customer to be eligible for the $49 first-year annual fee offer.
Complimentary travel insurance covers. You can save on holiday costs with complimentary travel insurance covers when you use the card to pay for travel. These covers come in the form of transit accident insurance, interstate flight inconvenience insurance, overseas travel insurance, and rental vehicle excess insurance in Australia.
Complimentary purchase insurance covers. When you use this card to make eligible purchases, you get complimentary purchase security insurance and extended warranty insurance.
Shopping cashbacks. Eligible St.George credit card holders can get cashbacks when they shop with their card on the online rewards platform ShopBack.
Additional cards. You can add a family member to your account, with their own credit card to use and the ability to earn points for no additional charge.
Mobile payment technology. Make tap and go payments with Apple Pay, Google Pay or Samsung Pay using your smartphone or other compatible device.

Rates & fees

Annual fee. Outside of any promotions, this card charges an annual fee of $175.
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.

Cash advances. The interest applied on cash withdrawals and cash-equivalent transactions is 21.99% p.a. You will also be charged a fee of 3% of each cash advance amount.
Credit limits. The minimum credit limit is $6,000, while the maximum credit limit is $80,000.
Foreign currency conversion fee. Purchases made in foreign currencies are subject to a 3% fee of the Australian dollar value of the purchase or cash withdrawal.

Sources

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. St.George Amplify Rewards Platinum Credit Card information PDF
2. St.George Amplify Rewards Platinum Credit Card TMD

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Kaori

October 30, 2025

What is the current conversion of rewards points to both Velocity frequent flyer points and qantas frequent flyer points respectively?

Richard Whitten Finder

November 06, 2025

Hi Kaori,

2 Amplify Points convert to 1 Velocity Point. You can’t transfer Amplify Points to Qantas Points. You have to switch from the Amplify Rewards program to Amplify Qantas (or get an Amplify Qantas card to earn Qantas Points directly).

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?

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?

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?

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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Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full profile

St.George Amplify Rewards Platinum Credit Card

Pros

Cons

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

Sources

Sources

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