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 Qantas Platinum

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St.George Amplify Qantas Platinum
Terms and conditions apply
Bonus points
70,000
Purchase rate
19.49% p.a.
Reward points per $ spent
0.5
Annual fee for the first year ($199 p.a. thereafter)
$174 p.a.

Our verdict

This platinum rewards card offers up to 70,000 bonus Qantas Points and complimentary travel insurance, with a discounted $174 first-year annual fee.

The St.George Amplify Qantas Platinum card's 70,000 bonus Qantas Points offer would give you enough points to fly return from Sydney to Honolulu in economy class (65,500 Qantas Points), with some to spare. Or it's enough for $300 worth of JB Hi-Fi digital gift cards (62,260 points for 1 gift card worth $250 and 1 gift card worth $50).

This introductory offer also includes a 0% balance transfer if you're paying off existing debt. Unlike many other providers, St.George offers interest-free days on new purchases when you carry a balance transfer debt. This means that if you pay your monthly payment balance listed on your statement in full by the payment due date each month as well as the full balance transfer amount before the 24 months is over, you will not pay any interest on your credit card. But spending money when you’re paying off a balance transfer can make it harder to pay off before the 0% interest period ends – so think about prioritising any repayments over the temptation to spend and earn points.

Pros

  • Up to 70,000 bonus Qantas Points
  • $174 first-year annual fee ($199 p.a. thereafter), including Qantas fee
  • 0% p.a. for 24 months on balance transfers
  • Earn 0.5 Qantas Point per $1 spent
  • Complimentary travel and purchase insurances
  • Shopping cashbacks through ShopBack

Cons

  • Charges a 1% balance transfer fee
  • Balances remaining at the end of the balance transfer period are subject to the high 21.49% p.a. cash advance rate
  • Earn rate of 0.5 Qantas Points per $1 spent is lower than some other platinum cards
  • Does not offer airport lounge passes

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 Qantas Platinum gives you a way to earn 0.5 Qantas Point per $1 spent on eligible purchases and offers complimentary travel and purchase insurance options. While the earn rate isn't as high as some other Qantas Frequent Flyer credit cards, it is competitive with cards that have similar annual fees.

Details

Product details

Product Name St.George Amplify Qantas Platinum
Balance transfer rate p.a. 0% for 24 months with 1% balance transfer fee, then 21.49%
Balance transfer limit 80% of available limit
Purchase rate p.a.
Purchase rate p.a.
19.49%
Interest-free period
Up to 55 days on purchases
Cash advance rate p.a. 21.49%
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 Qantas Frequent Flyer
Bonus points 70,000
Rewards points per $ spent 0.5
Rewards points cap 100,000

Fees

Annual fee
Annual fee
$174 first year ($199 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

How to apply

You can apply for the St.George Amplify Qantas Platinum card online in 10 minutes and receive a response instantly. Before you get started, check if you meet the eligibility criteria and organise the necessary information to complete the application.

Eligibility criteria

  • New customer. 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, you must be an Australian citizen or permanent resident.

Card benefits

  • Up to 70,000 bonus Qantas Points. New customers will earn 60,000 bonus Qantas Points when you apply, get approved by 31 July 2024 and spend $3,000 within the first 90 days of card approval. You'll get an additional 10,000 points when you make your first eligible purchase in the second year. The bonus points will be added to your balance within 12 weeks after the spend criteria is met.
  • Discounted first-year annual fee. Save with a reduced annual fee of $174 in the first year when you apply by 31 July 2024. This includes both standard fee and Qantas Rewards fee, and reverts to $199 after that.

Rates & fees

  • Annual fee. Outside of any promotions, this card charges a total annual fee of $199.
  • Interest rate on purchases. Purchases on your platinum card will be charged at the variable interest rate of 19.49% p.a.

Your reviews

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Amy Finder

Editor

Hi there, looking for more information? Ask us a question.

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Timothy

May 26, 2024

Are there any restrictions on the bonus Frequent Flyer points (e.g. if i received bonus points from another card in the last 12 mths)?


Avatar

Sarah Megginson Finder

May 27, 2024

Hi Timothy,


You can earn as many bonus points with as many different providers as you are eligible and approved for!


There might be terms and conditions within each provider; for instance, Qantas Premier Platinum Mastercard regularly offers bonuses of up to 10,000 points for taking out a payment instalment plan, but this is limited to one bonus offer per month. Also if you are eligible for and receive an AMEX bonus with one bank, there may be terms and conditions that make you ineligible for another AMEX offer within 12 months, even with a different bank.


Hope this helps!


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zhette

May 07, 2024

with regards to the minumum 3k spend on eligible purchases, is school fees considered eligible purchase?


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Sarah Megginson Finder

May 13, 2024

Hi Zhette,


Eligible spending usually means everyday spending: groceries, coffees, lunches, shopping, concert tickets, transport fares, ubers, travel etc. School fees should be fine as part of that spending.


Ineligible spending usually includes things like cash advances, online gambling, interest payments, fees, refunds etc.


Hope this helps!


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Charlie

April 01, 2024

With reference to the minimum $3K spend on eligible purchases, what are eligible purchases? I cannot find this anywhere in the terms and conditions.


Avatar

Sarah Megginson Finder

April 02, 2024

Hi Charlie,


Eligible purchases include everyday spending on things like groceries, accomodation, flights, concert tickets, shopping, takeaways and coffees. Eligible purchases generally don’t include things like cash advances, interest charges, gambling, BPAY payments and balance transfers.


Hope this helps!


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Anne

July 12, 2023

Hi Amy,

What is the minimum salary that is required to apply for this card?

My Westpac Mastercard just raised Annual Fee + $50 How likely is your card to raise Annual Fee in near future?


Thank you


Avatar

Richard Whitten Finder

July 12, 2023

Hi Anne,


You’d better check with St.George directly about the minimum salary and other eligibility requirements. As for the annual fee raising in the future, it’s really not possible for us to say. Finder is not the credit card provider, we simply list options and help you compare them.


Sorry I can’t be more helpful.


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Jean

June 28, 2023

I am self employed so don’t have payslips or relevant bank statements. Do you accept annual ATO tax assessment as proof of income?


Avatar

Elizabeth Barry Finder

July 10, 2023

Hi Jean


Thanks for your question.


St. George asks self-employed applicants to provide proof that you’ve been in business for at least 18 months, copies of the last two months’ business bank statements and last year’s Notice of Assessment.


I hope that helps,


Elizabeth


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