St.George Amplify Card – Online Offer

Enjoy introductory 0% interest rates, earn Qantas or Amplify Points per $1 spent and save with a $0 first year annual fee when you apply online.

When you apply online for the St.George Amplify by 22 May 2019, you will be eligible for 0% p.a. interest for the first 14 months on purchases, a 0% p.a. balance transfer rate for up to 6 months (with no balance transfer fee) and a $0 annual fee for the first year. Cardholders can also earn 1 Amplify Point or 0.5 Qantas Points per $1 spent on eligible purchases.

If you’re looking for more perks, platinum features, or additional rewards, check out our reviews of the St.George Amplify Platinum or Amplify Platinum - Qantas cards.

Product NameSt.George Amplify - Online Offer
Rewards ProgramAmplify Rewards / Qantas Frequent Flyer
Balance transfer rate0% p.a. for 6 months
Balance transfer revert rate
The interest rate that will apply to any remaining balance after the balance transfer term ends.
Cash Advance Rate (21.49% p.a.)
Balance Transfer Limit80% of available credit limit
Purchase rate (p.a.)0% p.a. for 14 months (reverts to 19.74% p.a.)
Offer end date22 May 2019
Annual fee$0 p.a. annual fee for the first year ($79 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.)21.49% p.a.
Min credit limit
This is the lowest credit limit you can be granted. It is possible to request a higher credit limit but not a lower one than this figure.
$500
Max credit limit
This is the maximum credit limit available on this card and you can apply for increases after the account has been opened. This credit limit may not be issued to you immediately upon application.
$80,000
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Charged when you make a transaction that is converted by Visa 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 ApplicationYes
Annual fee$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Minimum Monthly Repayment2% or $10, whichever is greater
Late Payment Fee$15
Foreign Currency Conversion Fee (VISA)
Charged when you make a transaction that is converted by Visa 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%
Overseas Cash Advance Fee2% of the value of the transaction or minimum charge of $2.50
Gambling Transactions AllowedYes
Additional Cardholder Fee$0
Number of Additional Cardholders1

Pros

  • 0% p.a. interest on purchases for the first 14 months.
  • 0% p.a. interest on balance transfers for 6 months (with no balance transfer fee).
  • $0 first year annual fee.
  • Earn 1 Amplify Point or 0.5 Qantas Points per $1 spent on eligible purchases (uncapped).

Cons

  • After the introductory period ends, purchases attract the relatively high interest rate of 19.74% p.a. (variable).
Rewards ProgramAmplify Rewards / Qantas Frequent Flyer
Rewards Points per $ spent (VISA/MC)1
Rewards Points per $ (VISA/MC) CapUncapped

Benefits of the St.George Amplify card

The St.George Amplify offers both cost-saving features and a rewards program. Some of the main benefits of this card are:

  • $0 first year annual fee. Save with an annual fee waiver for the first year ($79 p.a. thereafter) when you apply online by 22 May 2019.
  • 0% p.a. for 14 months. Enjoy a 0% p.a. purchase interest rate for the first 14 months when you apply online and get approved by 22 May 2019. At the end of the introductory period, the variable purchase interest rate of 19.74% p.a. will apply to any remaining balance.
  • Choice of Qantas or Amplify rewards. Cardholders can earn 1 Amplify Point or 0.5 Qantas Points for every dollar spent on eligible purchases, uncapped.
  • Balance transfer offer. New customers who apply online by 22 May 2019 can save with 0% p.a. interest rate for the first 6 months on balance transfers, with no balance transfer fee. After the promotional period, any balance remaining will be charged at the variable cash advance rate. You can transfer up to 80% of your approved credit limit from up to 3 cards not issued by St.George, BankSA or Bank of Melbourne.
  • Additional card. Customers can also receive an additional card at no extra cost.

Features of the St.George Amplify card

Some of the main features of this card are:

  • Annual fee. Outside of any promotions, the St.George Amplify card attracts an annual fee of $79.
  • Interest rate on purchases. This card charges a variable interest rate of 19.74% p.a.
  • Interest rate on cash advances. The variable interest rate on cash advances is 21.49% p.a.
  • Foreign transaction fee. A foreign currency conversion fee of 3% is charged for any purchases made with an international retailer.
  • Interest-free days. The card provides up to 55 interest-free days which can help to keep interest costs to a minimum. Note that interest-free days do not apply while you carry a balance transfer debt.

How to apply for the St.George Amplify card

You can apply for the St.George Amplify Card online in 10 minutes and receive a response within 60 seconds. Before you get started, check that you meet the eligibility requirements and have the necessary information to complete the application.

Eligibility criteria

  • You must be at least 18 years of age.
  • You must be a permanent resident of Australia.

Required documents

  • Applicants need to provide a driver's license, passport or Medicare card number.
  • Customers have to provide their weekly after-tax income documents.
  • Information regarding financial commitments including liabilities and assets need to be provided.

The St.George Amplify is an ideal card for customers looking for the benefits of a rewards program for a relatively low cost. The rewards points aren't capped or limited by an expiry, allowing you to accumulate and save points at your leisure.

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Credit Cards Comparison

Rates last updated April 26th, 2019
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Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
0% p.a. for 18 months
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Earn 20,000 bonus Velocity Points and save with an ongoing $50 p.a. annual fee. Plus, receive a $129 Virgin Australia Gift Voucher each year.
Latitude Low Rate Mastercard
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