St.George Amplify Business Credit Card Review

Reward your business spending and save with 0% interest for 12 months and $0 annual fee for the first year when you apply by 28 March 2018.

The St.George Amplify Business credit card offers a range of tools 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. 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 Credit Card
Rewards ProgramAmplify Rewards
Purchase rate (p.a.)0% p.a. for 12 months (reverts to 19.49% p.a.)
Offer end date28 March 2018
Annual fee$0 p.a. annual fee for the first year ($89 p.a. thereafter)
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
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
Max credit limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$20,000
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
Credit Rating RequirementGood
Joint ApplicationNo
Annual fee$0 p.a. annual fee for the first year ($89 p.a. thereafter)
Late Payment Fee$15
Cash Advance Fee2% fee for cash advance transactions, with a minimum charge of $2.50
Foreign Currency Conversion Fee
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
Gambling Transactions AllowedYes
Additional Cardholder Fee$0
Number of Additional Cardholders3
Rewards ProgramAmplify Rewards
Rewards Points per $ spent (VISA/MC)1
Rewards Points per $ (VISA/MC) CapUncapped

St.George Amplify Business credit card review

This credit card is for sole traders and small business owners that want a simple way to manage cash flow and expenses. With up to 3 additional cardholders, you can reduce expense claims from employees and simplify your accounting process. Cardholders can also use customisable statements to view individual card transactions, track spending across the entire account and analyse expenses. Plus, there are easy export options for MYOB, BAS and Microsoft Excel.

The St.George Amplify Business also gives you a choice of two reward programs: Amplify Rewards or Amplify Qantas. These programs offer points per dollar spent on purchases overseas and in Australia as well as on government charges. Amplify Rewards offers between 0.5 and 2 points per dollar spent and Amplify Qantas offers 0.25 to 1 Qantas Point per dollar spent. Government charges have the lowest earn rate and overseas spending has the highest rate. There is no points cap, and you’ll earn points for spending on your card and for spending on any additional cards linked to the account.

This business credit card is a personal liability option, which means that the account owner is responsible for keeping it in good standing. It has a standard annual fee of $89 and a standard variable purchase rate of 19.49% p.a. If you apply by 28 March 2018, you can take advantage of a promotion offering no annual fee in the first year and 0% p.a. on purchases for 12 months.

Benefits of the St.George Amplify Business credit card

  • 0% p.a. on purchases for up to 12 months. Apply and get approved for the St.George Amplify Business credit card by 28 March 2018 and you’ll get an introductory purchase rate of 0% p.a. for up to 12 months. After that, the standard variable purchase rate of 19.49% p.a. will apply. This offer is not available for switches, upgrades, customers accessing employee benefits or packaged cards.
  • Introductory $0 annual fee. A first year annual fee waiver is available when you apply between 1 November 2016 and 28 March 2018. After the first 12 months, you will need to pay an annual fee of $89 on the anniversary of the first transaction on your account.
  • 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.
  • 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. 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. The St.George Amplify Business credit card has a standard annual fee of $89 for the account.
  • 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 fee. If you use your credit card for a cash advance transaction, such as withdrawing money from an ATM or transferring money to another account (including transfers by Internet or phone banking), you will pay a 2% fee for cash advance transactions, with a minimum charge of $2.50.
  • 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.
  • Late payment fee. There is a fee of $15 for each late or missed payment.

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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Credit Cards Comparison

Rates last updated February 23rd, 2018
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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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