St.George Amplify Platinum Credit Card

Last updated: Mar 3, 2021

Receive 80,000 bonus Amplify Points and enjoy complimentary travel and purchase insurance covers.

Apply for a new St.George Amplify Platinum card before 28 September 2021 and you will earn 80,000 bonus Amplify Points when you spend $3,000 on eligible purchases within the first 90 days of approval. If you want to pay off existing credit card debt, you can also save on costs with a 0% p.a. interest rate on balance transfers for the first 15 months (with a one-time 1% balance transfer fee).

0% p.a.

Balance transfer rate

for 15 months with 1% balance transfer fee

80,000

Bonus points

19.74% p.a.

Purchase rate

Reward point

Per $ spent

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Details

Product Name	St.George Amplify Platinum
Rewards program	Amplify Rewards
Balance transfer rate	0% p.a. for 15 months with 1% balance transfer fee
Balance transfer revert rate	Cash Advance Rate (21.49% p.a.)
Balance transfer limit	80% of available limit
Purchase rate	19.74% p.a.
Annual fee	$99
Interest-free period	Up to 55 days on purchases
Cash advance rate	21.49% p.a.
Min credit limit	$6,000
Max credit limit	$80,000
Card type	Visa
Foreign currency conversion fee	3%

Available to temporary residents	Yes - Conditions apply
Joint application	Yes - Conditions apply

Pros

80,000 bonus Amplify Points when you spend $3,000 in the first 90 days
0% p.a. for 15 months on balance transfers
Uncapped rewards points on eligible purchases
Complimentary travel insurances

Cons

Charges a one-time 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
Charges a 3% foreign transaction fee

Rewards program	Amplify Rewards
Bonus points	80,000
Rewards points per $ spent	1
Rewards points cap	Uncapped

Annual fee	$99
Minimum monthly repayment	2% of the closing balance or $10, whichever is greater
Late payment fee	$15
Foreign currency conversion fee	3%
Cash advance fee	2% or $2.50, whichever is greater
Overseas cash advance fee	2% of transaction amount or $2.50 (whichever is greater), capped at $150 / transaction
Additional cardholder fee	$0
Number of additional cardholders	1

Go to St.George Bank's site More info

Expert review

Review by

Amy Bradney-George

amy.bradney-george@finder.com

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 Platinum is a rewards credit card currently comes with both a bonus point offer and a balance transfer offer. If you’re after rewards, the 80,000 bonus points could get you $350 worth of Woolworths WISH eGift cards (79,800 points for three $100 eGift cards and one $50 one) through the Amplify Rewards website. You could also transfer them and get 40,000 frequent flyer points with Velocity, Singapore Airlines KrisFlyer or Malaysia Airlines Enrich, as another example.

If you have credit card debt you want to pay off, the 0% balance transfer offer on this card gives you a 15-month interest-free period. Keep in mind that there is a one-off 1% balance transfer fee for this offer and you still need to make minimum monthly payments during the introductory period. As the 0% balance transfer rate only lasts for a limited time, it’s also better to focus on paying off the entire debt before you start using the card to earn rewards.

When you shop with this card, you’ll earn 1 Amplify Rewards point per $1 spent on eligible purchases. You can redeem your points for gift cards, products from the online rewards store, travel or transfer them to a partnered frequent flyer program. If you’d prefer to earn Qantas Points for your spending, read our review of the St.George Amplify Platinum - Qantas.

How to apply

The application process for this card should only take 10 minutes and you'll receive a response within 60 seconds. Before you get started, make sure you've met the eligibility criteria and have the necessary information ready to complete the application.

Eligibility criteria

New cardholder. 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 for this card, you must be an Australian citizen or permanent resident.

Eligible balance transfer debt. If you elect to transfer a balance, you can transfer from $200 up to 80% of your available credit limit from up to three Australian credit, store or charge card accounts not issued by St.George, Bank of Melbourne or BankSA.
Age. You must be at least 18 years old to apply.

Required documents

Personal details. This includes your full name, email address, date of birth, driver's licence number, marital status, number of dependents and contact number.
Proof of identification. Including your Australian driver's license, passport, Medicare card, Australian birth certificate or proof of age card.
Income. You'll need to confirm your employment and provide proof through recent payslips or bank statements.
Employer. This includes your employer's name and contact details.
Finances. You'll need to provide details about your assets and liabilities.
Balance transfer information. If you're transferring a balance(s), you'll need to provide the amount, account number and BSB number of the cards you're transferring from.

Go to St.George's site More info

Card benefits

80,000 bonus Amplify Points. Receive 80,000 bonus points when you apply, get approved by 28 September 2021 and spend $3,000 on eligible purchases within the first 90 days of card approval. Most everyday purchases are considered eligible, but BPAY transactions, fees, cash advances, balance transfers, ATO payments and other selected transactions are not.
Balance transfer offer. New customers who apply and get approved by 28 September 2021 can pay down existing debt and save on interest with a 0% p.a. interest rate for the first 15 months on balance transfers with 1% balance transfer fee. After the promotional period, any balances remaining will be charged at the variable cash advance rate, currently 21.49% p.a.

The Amplify Rewards program. Earn 1 point for every dollar spent on eligible purchases in Australia and overseas. Your points aren't capped and can be redeemed for travel, gift cards merchandise or frequent flyer points with Singapore Airlines KrisFlyer or Malaysia Airlines Enrich.
Travel insurance covers. You can save on holiday costs with complimentary travel insurance covers when you use the card to pay for travel. These covers come in the form of transit accident insurance, interstate flight inconvenience insurance, overseas travel insurance, and rental vehicle excess insurance in Australia.
Purchase covers. When you use this card to make eligible purchases, you get complimentary purchase security insurance, price guarantee cover and extended warranty insurance.
Additional cards. You can add a family member to your account, with their own credit card to use and the ability to earn points for no additional charge.
Mobile payment technology. Make tap and go payments with Apple Pay, Google Pay or Samsung Pay using your smartphone or other compatible device.

Rates & fees

Annual fee. This card charges an annual fee of $99.
Interest-free period. You will receive up to 55 days interest-free on new purchases when you pay your monthly payment balance listed on your statement in full by the payment due date. Note that these interest-free days are separate from any longer-term interest rate promotions and the monthly payment balance excludes current balance transfers.

Cash advances. The interest applied on cash withdrawals and cash-equivalent transactions is 21.49% p.a. You will also be charged a fee of 2% of transaction amount or $2.50 (whichever is greater), capped at $150 / transaction.
Credit limits. The minimum credit limit is $6,000, while the maximum credit limit is $80,000.
Foreign currency conversion fee. Purchases made in foreign currencies are subject to a 3% fee of the Australian dollar value of the purchase or cash withdrawal.

Go to St.George's site More info

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20 Comments

Chris
May 13, 2017

Hello

Why do you have to have an employer to have an income? What if the income threshold is exceeded with investments, savings, interest and dividends?

finder Customer Care

Dee
May 14, 2017

Hi Chris,

Thanks for your question.

If you don’t have an employer and would like to apply for this card as self-employed, St. George may consider your application, but you have to provide a Notice of Assessment. If you’ve been self-employed for less than a year, you won’t be able to apply.

Cheers,
Anndy

Anna
October 27, 2016

Hi!

Could we choose the 30,000 bonus point between Qantas reward program or Amplify reward program when we spent $2500 for the first 90 days after we applied for the card?

finder Customer Care

Jason
October 27, 2016

Hi Anna.

Thank you for your inquiry.

You can choose between Amplify Rewards or Qantas Rewards with the St.George Amplify Platinum credit card as long as you spend $2,500 in eligible purchases and if your card application is approved before January 4, 2017.

Cheers,
Jason

Rob
June 30, 2015

I am about to travel within Australia and will be hiring a car for 5 days. Does the travel insurance attached to my card cover or reduce the excess insurance that car hire companies offer or do I need to take out extra cover when I hire the car? And, if cover is provided, what is the excess I still have to pay?

finder Customer Care

Jonathan
June 30, 2015

Hi Rob, thanks for your inquiry!

St.George will reimburse you up to A$5,500 for any insurance excess or deductible which you become legally liable to pay in respect of a claim under the comprehensive insurance policy of the rental vehicle during the rental period provided. You must pay the first A$250 for each claim. Please refer to page 41 of the PDF I have sent to your email on the full terms of this policy, to ensure that you are covered.

Cheers,

Jonathan

Rick
April 13, 2015

What are the conditions to receive the 30,000 points? Is there a minimum spend required?

finder Customer Care

Jonathan
April 14, 2015

Hi Rick, thanks for your inquiry!

The requirements for this bonus points offer are making a first eligible purchase before 31 July 2015. Eligible purchases do not include fees, cash, cash equivalent transactions, refunds or balance transfers debited from the card account. Bonus points will be transferred within three months after the first purchase transaction is debited to your account.

Cheers,

Jonathan

Ray
March 17, 2015

With Qantas Frequent Flyer programme, does one earn 1 point per $1 spent like other credit card providers, or do you offer only 1/2 a point for $1 spent?
Thanks

finder Customer Care

Jonathan
March 17, 2015

Hi Ray, thanks for your inquiry!

The St. George Amplify Platinum card provides the choice between earning Amplify points or Qantas Frequent Flyers points directly. If Amplify points are chosen you will only have the choice of Singapore Airlines KrisFlyer Miles, Malaysia Airlines Enrich points or Velocity Frequent Flyer Points.

Cheers,

Jonathan

Bob
February 5, 2015

I have previously been a customer of St George Bank however I closed that account some time ago. I currently do not have any accounts with the St George Bank. Will I still qualify for FF points if I re-apply and I am accepted again as a customer of the St George Bank?

finder Customer Care

Jonathan
February 5, 2015

Hi Bob,

Thanks for your inquiry!

The terms and conditions does not exempt previous credit card holders from gaining the bonus Frequent flyers points.

Cheers,

Jonathan

Carol
January 29, 2015

Do the Qantas FF points accrued each month automatically get transferred to my Qantas FF account? I can supply my Qantas FF number when applying.

Also – for Balance Transfers, If I avail myself of this, do later purchases on the card still have up to 55 days interest free?

Thanks
Carol

finder Customer Care

Jonathan
January 29, 2015

Hi Carol, thanks for your inquiry.

By choosing the Amplify Qantas Rewards program when you use your card at Australian merchants, you earn half a point for each dollar that you spend. While shopping abroad, the points earned become one for every dollar. This program is also has uncapped earnings points. For Amplify Qantas, Qantas Frequent Flyer points earned in a statement cycle are transferred to the nominated Qantas Frequent Flyer account after the end of that statement cycle.

In regards to balance transfers, if any balance amount is outstanding by the end statement period this will cancel the 55 days interest free.

I hope this helps!

Cheers,

Jonathan

Coco
December 31, 2014

Hi are the FF points capped as to how many you can earn each month?

finder Customer Care

Elizabeth
January 5, 2015

Hi Coco,

Thanks for your question.

Whether you choose the Amplify Rewards program or the Amplify Qantas Rewards program, you’ll have no cap on the amount of rewards points you’re able to earn.

I hope this has helped.

Thanks,

Elizabeth

Marie
October 23, 2014

Hi there,
Is there a fee for an additional card holder?
Thanks

finder Customer Care

Elizabeth
October 23, 2014

Hi Marie,

Thanks for your question.

There’s no fee for an additional cardholder.

Thanks,

Elizabeth

Lynda
September 18, 2014

Hi,
Do I accumulate Qantas points with this card?
If I apply for a 2nd card for my husband can he link his own Qantas membership number to his card?
Thanks,
Lynda

finder Customer Care

Shirley
September 19, 2014

Hi Lynda,

Thanks for your question.

Yes you can accumulate Qantas Points on this card. Unfortunately you can only link one Qantas FF membership to the account, so the both of you would be earning points for the one membership account.

Cheers,
Shirley

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