St.George Amplify Platinum
- Receive 50,000 bonus Amplify Points
$0 annual fee for the first year
Offer ends 23 January 2019
Eligibility criteria, terms and conditions, fees and charges apply
Collect 50,000 bonus Amplify Points and enjoy a $0 first year annual fee with the St.George Amplify Platinum.
When you apply for the St.George Amplify Platinum before 23 January 2019, you will earn 50,000 bonus Amplify Points when you spend $2,000 on eligible purchases within 90 days of approval. In addition to the bonus points, you will be eligible for a $0 first year annual fee.
The Amplify Platinum also offers complimentary travel insurance and the ability to automatically convert your points to Velocity Frequent Flyer. To earn Qantas Points for your purchases instead, read our review of the St.George Amplify Platinum - Qantas.
| Product Name | St.George Amplify Platinum |
|---|---|
| Rewards Program | Amplify Rewards |
| Purchase rate (p.a.) | 19.49% p.a. |
| Offer end date | 23 January 2019 |
| Annual fee | $0 p.a. annual fee for the first year ($99 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. | $6,000 |
| 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. | $80,000 |
| Card Type | Visa |
| 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 Insurance | Yes |
| Minimum Age | 18 years of age |
|---|---|
| Available To Temporary Residents | No |
| Joint Application | Yes |
| Annual fee | $0 p.a. annual fee for the first year ($99 p.a. thereafter) |
|---|---|
| Minimum Monthly Repayment | 2% or $10, whichever is greater |
| 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 Fee | 2% fee of each cash advance amount (minimum of $2.50 capped at $150 per transaction) |
| Overseas Cash Advance Fee | 2% fee of each cash advance amount (minimum of $2.50 capped at $150 per transaction) |
| Gambling Transactions Allowed | Yes |
| Additional Cardholder Fee | $0 |
| Number of Additional Cardholders | 1 |
Pros
- Enjoy platinum card benefits with 50,000 Amplify points when you apply, get approved by 23 January 2019 and spend $2,000 within 90 days from card approval.
- Save with a $0 annual fee for the first year.
- Earn uncapped rewards points on eligible purchases.
- This card comes with complimentary travel insurances.
Cons
- Using this card overseas or with international merchants incurs a 3% foreign transaction fee
| Rewards Program | Amplify Rewards |
|---|---|
| Bonus Points | 50,000 bonus points |
| Rewards Points per $ spent (VISA/MC) | 1 |
| Rewards Points per $ (VISA/MC) Cap | Uncapped |
Benefits of using the St.George Amplify Platinum
- Bonus Points. Receive 50,000 bonus Amplify Points when you apply and get approved by 23 January 2019 and spend $2,000 in the first 90 days of your card approval. Points will be added to your balance within 3 months after the eligible spend criteria is met.
- $0 first year annual fee. When you apply and are approved before 23 January 2019, the first year's annual fee will be waived, saving you $99.
- The Amplify Rewards program. Earn 1 point for every dollar spent on eligible purchases. The amount you can earn is limitless, allowing you to save up for that something special.
- Travel insurance covers. All cardholders get complimentary travel insurance covers when they use this card to pay for travel, and 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 purchases, you get complimentary purchase security insurance, price guarantee cover, and extended warranty insurance.
- Fraud protection. The St.George Amplify Platinum Credit Card relies on a round-the-clock monitoring of account activity, and if the system detects any suspicious activity, you can expect to get an alert immediately.
- 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.
Features of the St.George Amplify Platinum
The Amplify Platinum has an array of other features to consider:
- Annual fee. Outside of any promotions, this card charges an annual fee of $99.
- Interest rate on purchases. Interest accrues at 19.49% p.a. on purchases (variable).
- Cash advances. The interest applied towards monies withdrawn as cash is 20.24% p.a. You will also be charged a 2% fee of each cash advance amount (minimum of $2.50 capped at $150 per transaction). This includes withdrawals made at an ATM, online or over the phone.
- Credit limits. The minimum credit limit is $6,000, while the maximum credit limit is $80,000.
- Overseas spending. Any foreign transaction made is subjected to a 3% charge of the Australian dollar value of the purchase or cash withdrawal.
How to apply for the St.George Amplify Platinum credit card
Applying for the Amplify Platinum is easy, you can do so by submitting your application online, visiting any St.George branch, or you can get started over the phone. To submit an online application, simply fill out your details on the secure online application form.
Eligibility criteria
- You must be at least 18 years of age.
- You must be a permanent resident of Australia.
Required documents
- Details of your Australian driver’s license, passport, or proof of age card
- Your residential status, home address, phone number, and email address
- Your income details and your employer’s name and contact details
- Details about all your assets and liabilities
There is an abundance of benefits to consider with this platinum credit card. Compare it with the features, rates and fees of other platinum rewards cards to see which one has the options that you need the most.
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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?
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
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?
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
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?
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
What are the conditions to receive the 30,000 points? Is there a minimum spend required?
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
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
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
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?
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
HI
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
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
Hi are the FF points capped as to how many you can earn each month?
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
Hi there,
Is there a fee for an additional card holder?
Thanks
Hi Marie,
Thanks for your question.
There’s no fee for an additional cardholder.
Thanks,
Elizabeth
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
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