St.George Amplify Business Credit Card Review

Earn 60,000 bonus Qantas or Amplify Points and save with a $0 first year annual fee with the St.George Amplify Business Credit Card.

The St.George Amplify Business credit card offers a range of features to help simplify business expenses, including up to 3 additional cards for employees, customisable statements and complimentary insurance. It also allows you to earn either St.George Amplify reward points or Qantas Points for business spending, including government charges.

Take advantage of 60,000 bonus Amplify or Qantas Points when you apply, get approved and spend $4,000 on eligible purchases within the first 90 days from card approval. Plus, a $0 annual fee for the first year.

Discover the benefits and features of the St.George Amplify Business credit card and find out how to apply here.

Product NameSt.George Amplify Business
Rewards ProgramAmplify Rewards / Qantas Frequent Flyer
Purchase rate (p.a.)19.49% p.a.
Offer end date28 November 2018
Annual fee$0 p.a. annual fee for the first year ($89 p.a. thereafter)
Interest Free Period
The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date.
Up to 55 days on purchases
Cash advance rate (p.a.)20.24% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$1,000
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Complimentary Travel InsuranceNo
Minimum Age18 years of age
Available To Temporary ResidentsNo
Joint ApplicationNo
Annual fee$0 p.a. annual fee for the first year ($89 p.a. thereafter)
Late Payment Fee$15
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Cash Advance Fee2% fee for cash advance transactions, with a minimum charge of $2.50
Gambling Transactions AllowedYes
Additional Cardholder Fee$0
Number of Additional Cardholders3
Rewards ProgramAmplify Rewards / Qantas Frequent Flyer
Bonus Points60,000 bonus points
Rewards Points per $ spent (VISA/MC)1
Rewards Points per $ (VISA/MC) CapUncapped

Benefits of the St.George Amplify Business credit card

  • 60,000 bonus points. Receive 60,000 bonus Amplify or Qantas Points when you make at least $4,000 of eligible purchases within the first 90 days from card approval. Offer ends on 28 November 2018.
  • First year annual fee waiver. Apply before 28 November 2018 and save with 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.
  • Amplify Qantas. If you choose Amplify Qantas as your rewards program, you’ll earn 1 Qantas Point per dollar spent on overseas purchases, 0.5 points per dollar spent on Australian purchases and 0.25 points per dollar spent on government charges, uncapped. You must be a Qantas Frequent Flyer member to enrol in Amplify Qantas.
  • Complimentary insurance for the account owner. The St.George Business Amplify credit card provides account owners with complimentary business inconvenience insurance for business burglary as well as recruitment and temporary replacement costs if a linked cardholder leaves the business. It also offers complimentary insurance against unauthorised transactions made by cardholders.
  • Complimentary insurance for cardholders. This card offers complimentary transit accident insurance to cardholders linked to the account. This covers cardholders for specific accidents when they are travelling as passengers on a plane, bus or ferry and have prepaid for the trip using their card. Account holders are not eligible for this cover, but will receive up to $25,000 per claim made by individual cardholders.
  • Tax-reporting features. This account lets you export expenses directly into MYOB and BAS. You can also download information directly to Microsoft excel to simplify analysis of business transactions and expenses.
  • Additional cards for employees. You can request up to 3 additional cards for employees at no extra cost.

Features of the St.George Amplify Business credit card

  • 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.
  • Interest-free days. If you pay the closing balance by the statement due date each month, you can enjoy up to 55 days interest-free on purchases. Interest-free days exclude balance transfers or any promotional amount as well as cash advance transactions.
  • Cash advance rate. Cash advances attract a standard variable interest rate of 20.24% p.a. from the time of the transaction.
  • Foreign transaction fee. A fee of 3% applies to transactions made in a currency other than Australian dollars. This fee also applies to transactions made in Australian dollars with a merchant located outside Australia and transactions that are processed by entities located outside Australia.

How to apply for the St.George Amplify Business credit card

If you’ve compared business credit cards and have decided the St.George Amplify Business credit card suits your needs, you can apply online in around 10 minutes. Before you get started, make sure you’re eligible to apply and have all your relevant details and documents on hand.

Eligibility criteria

  • Age. You must be at least 18 years old to apply for this card.
  • Residency status. You must be a citizen or permanent resident of Australia to apply for this card.
  • Business requirements. You must intend to use the card wholly or predominantly for business expenditure.

Required documents and information you'll need to provide

  • Personal information. This includes your full name, date of birth, residential address, email address and contact number. You’re also required to provide identification such as your driver’s license number or passport number.
  • Income and employment. Provide details of your personal income, including any additional employment you may have outside of your business activity.
  • Your business information. This includes your business name, your ABN or ACN and financial details. You may also be required to provide financial documents, such as your last business tax return and contact details for your accountant.
  • Financial details. As well as income details, you will need to provide information about any other assets (such as shares or savings), debts and existing cards or loans.

The St.George Amplify Business credit card is a low-cost, personal liability product that offers the ability to assign additional cards to employees as well as the ability to manage and analyse spending. It also includes rewards and some complimentary insurance covers. Compare other business credit cards before you apply so that you can choose a product that is right for your business.

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