St.George Amplify Platinum Credit Card – Rates and Fees

Information verified correct on December 7th, 2016
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Enjoy your choice of Amplify or Qantas Rewards, receive a bonus points offer and save with 0% balance transfers when you apply by 4 January 2017.

The St.George Amplify Platinum Credit Card gives more options by allowing you to choose between Amplify Rewards or Qantas Rewards. Whether you prefer points for flights or merchandise, this card has you covered. Use this card overseas and you’ll earn double rewards points on eligible purchases. Shop with convenience courtesy of your 24/7 concierge service and receive peace of mind with complimentary insurance covers.

To receive even more rewards for your purchases, read our review on the St.George Amplify Signature Credit Card. This card provides 1.5 rewards points per dollar spent on Australian merchants.

Product NameSt.George Amplify Platinum
Rewards ProgramAmplify Rewards
Balance transfer rate (p.a.)0% p.a. for 18 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Purchase Rate (19.49% p.a.)
Balance Transfer Limit95% of available credit limit
Purchase rate (p.a.)1% p.a. for 12 months (reverts to 19.49% p.a.)
Offer end date4 January 2017
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
Minimum Monthly Repayment2%
Minimum Income$35,000
Card TypeVisa
Late Payment Fee$9
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 InsuranceYes
Complimentary Travel Insurance Cover3 months
Available To Temporary ResidentsNo
Joint ApplicationYes
Minimum Income$35,000
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
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
Annual Fee$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Minimum Repayment2%
Late Payment Fee$9
Over Limit Fee$0
Cash Advance Fee2% of each cash advance amount and all transfers or minimum of $2
Overseas Cash Advance Fee2% of each cash advance amount and all transfers or minimum of $2
Overseas Emergency Replacement$52.50
Overseas ATM Withdrawal Fee$5
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
Gambling Transactions AllowedYes
Gambling Transactions Interest RateCash Advance Rate
Additional Cardholder Fee$0 p.a.
Number of Additional Cardholders1
BPAYYes
ChequeYes
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes

Pros

  • Enjoy platinum card benefits with $0 annual fee for the first year.

Cons

  • Having a balance transfer and purchase promotion at the same time can encourage overspending. If you are using the balance transfer feature make sure you have a plan to repay your existing credit card debt.
Rewards ProgramAmplify Rewards
Bonus Points on Sign-up30,000
Rewards Points per $ (VISA/MC)1
Rewards Points per $ (AMEX)0
Rewards Points per $ (VISA/MC) CapUncapped
Rewards Points per $ (AMEX) CapN/A
Points ExpiryNever

St.George Amplify Platinum Credit Card review

Enjoy an introductory balance transfer offer of 0% p.a. interest for 18 months and $0 annual fee for the first year. This card also offers 1% interest for up to 12 months on purchases.

Different types of complimentary purchase and travel insurance covers can come to your rescue in various scenarios, and its concierge service can assist you in different ways. You'll receive up to 12 months extended warranty insurance when you use your card on eligible purchases.

Benefits of using the St.George Amplify Platinum Credit Card

  • Bonus Points. Receive up to 30,000 bonus points, when you spend $2,500 in the first 90 days of your card approval. Points will be added to your points balance within 3 months after the eligible spend criteria is met. Offer ends 4 January 2017.
  • The Amplify Rewards program. Earn 1 point for every dollar spent when you are signed up for Amplify points, or double your points when you use the card overseas. The amount you can earn is limitless, allowing you to save up for that something special.
  • 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 uncapped earning capability gives you the opportunity to bank your points until you have enough to redeem for a flight with Qantas or any one of its 35 partner airlines.
  • Make your balance transfer requests when you apply. In order to take full advantage of the 0% p.a. interest offer for 18 months, you will have to request the balance transfer on your initial application. If not, any transferred balance will be subjected to the cash advance rate, currently 20.24% p.a.
  • Balance transfer limits. St.George Bank will allow you to transfer up to 95% of the approved credit limit. The 18-month period will begin once the card has been activated and the interest rate will revert to the variable cash advance rate for any unpaid balances once that term ends. Your balance transfers will not count as a purchase that can be used towards gaining rewards points.
  • 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 Falcon Fraud Protection for round-the-clock monitoring of account activity, and if the system detects any suspicious activity, you can expect to get an alert immediately.

Features of the St.George Amplify Platinum Credit Card

The Amplify Platinum has an array of other features to consider:

  • Annual fee. The perks and benefits this card will cost you $0 annual fee for the first year and $99 each year after as long as it is active.
  • Interest rate on purchases. When you make a purchase with your platinum card, the balance will accrue an interest rate of 19.49% p.a.
  • Cash advances. The interest applied towards monies withdrawn as cash is 20.24% p.a. You will also be charged 2% of each cash advance amount and all transfers or minimum of $2. This includes withdrawals made at an ATM, online or over the phone.
  • Balance transfer. There is a 0% p.a. interest rate on balance transfers for 18 months if you apply for card by 4 January 2017.
  • Purchase offer. There is a 1% p.a. interest rate on purchases for up to 12 months if you apply for the card by 4 January 2017.
  • Credit limits. The minimum credit limit is $6,000, while the maximum credit limit is subject to status.
  • Overseas spending. Any foreign transaction made is subjected to a 3% charge of the Australian dollar value of the purchase or cash withdrawal.
  • Complimentary insurance. You are allowed access to insurance covers that protect your travel plans, purchases and credit card.
  • Rewards program. You get a choice of two different programs with this card.
  • 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.

How to apply for the St.George Amplify Platinum Credit Card

Applying for the Amplify Platinum Card is easy, you can do so by visiting any St.George branch, you can get started over the phone, and you can even apply online. To submit an online application, simply fill out your details on the secure online application form.

Eligibility criteria

  • You’re a permanent resident of Australia.
  • You’re at least 18 years old.

Required documents

  • Details of your Australian driver’s license, or 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

If you intend to take advantage of the 0% p.a. for 18 months offer for balance transfers, have the full information for those cards handy as well as the amount you want transferred. If this is not done at the point of application, you will not be eligible for this special rate.

There is an abundance of benefits to consider with this platinum credit card. Match 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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18 Responses to St.George Amplify Platinum Credit Card – Rates and Fees

  1. Default Gravatar
    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?

    • Staff
      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

  2. Default Gravatar
    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?

    • Staff
      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

  3. Default Gravatar
    Rick | April 13, 2015

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

    • Staff
      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

  4. Default Gravatar
    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

    • Staff
      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

  5. Default Gravatar
    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?

    • Staff
      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

  6. Default Gravatar
    Carol | January 29, 2015

    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

    • Staff
      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

  7. Default Gravatar
    Coco | December 31, 2014

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

    • Staff
      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

  8. Default Gravatar
    | October 23, 2014

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

    • Staff
      Elizabeth | October 23, 2014

      Hi Marie,

      Thanks for your question.

      There’s no fee for an additional cardholder.

      Thanks,

      Elizabeth

  9. Default Gravatar
    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

    • Staff
      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

Credit Cards Comparison

Rates last updated December 7th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Go to site More info

* 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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