St.George Amplify Business

Save with a $0 first-year annual fee with a new St.George Amplify Business.

The St.George Amplify Business credit card can help you keep track of expenses, with up to 3 additional cards for employees, customisable statements and complimentary insurance. You’ll also save with a $0 annual fee for the first year ($89 applies thereafter).

19.49% p.a.

Purchase rate


Reward point

Per $ spent

$0 p.a.

Annual fee

for the first year ($89 p.a. thereafter)

55 days

Interest free period

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Product NameSt.George Amplify Business
Rewards programAmplify Rewards / Qantas Frequent Flyer
Purchase rate19.49% p.a.
Annual fee$0 annual fee for the first year ($89 p.a. thereafter)
Interest-free periodUp to 55 days on purchases
Cash advance rate20.24% p.a.
Min credit limit$1,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationNo


  • $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% p.a. (variable)
Rewards programAmplify Rewards / Qantas Frequent Flyer
Bonus pointsN/A
Rewards points per $ spent1
Annual fee$0 annual fee for the first year ($89 p.a. thereafter)
Late payment fee$0
Foreign currency conversion fee3%
Cash advance fee3%
Additional cardholder fee$0
Number of additional cardholders3

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

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.

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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