St.George Amplify Platinum Credit Card

Collect up to 100,000 bonus Amplify Points and 1 point per $1 spent with the St.George Amplify Platinum.

When you apply for the St.George Amplify Platinum before 2 October 2019, you will earn 50,000 bonus Amplify Points when you spend $6,000 on eligible purchases within the first 12 months from approval and another 50,000 bonus points in the second year when you spend $6,000 over the course of the year.

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 NameSt.George Amplify Platinum
Rewards ProgramAmplify Rewards
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.) 19.74% p.a.
Offer end date2 October 2019
Annual fee$99 p.a.
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.
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.
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 InsuranceYes
Minimum Age18 years of age
Available To Temporary ResidentsYes - Conditions apply
Joint ApplicationYes
Annual fee$99 p.a.
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% fee of each cash advance amount (minimum of $2.50 capped at $150 per transaction)
Overseas Cash Advance Fee2% fee of each cash advance amount (minimum of $2.50 capped at $150 per transaction)
Gambling Transactions AllowedYes
Additional Cardholder Fee$0
Number of Additional Cardholders1


  • Get 50,000 bonus Amplify points when you spend $6,000 on eligible purchases within 12 months from card approval. Plus, an additional 50,000 points when you meet the same spend requirement in the second year.
  • Earn uncapped rewards points on eligible purchases.
  • This card comes with complimentary travel insurances.


  • Using this card overseas or with international merchants incurs a 3% foreign transaction fee.
  • It takes over a year to collect the full amount of bonus points.
Rewards ProgramAmplify Rewards
Bonus Points100,000 bonus points
Rewards Points per $ spent (VISA/MC)1
Rewards Points per $ (VISA/MC) CapUncapped

Benefits of using the St.George Amplify Platinum

  • 100,000 bonus points. Receive 50,000 bonus Amplify Points when you apply and get approved by 2 October 2019 and spend $6,000 on eligible purchases within the first 12 months from card approval. You'll get additional 50,000 bonus Amplify Points in the second year when you spend $6,000 on eligible purchases over the course of that year. If you do not meet the spend requirement in the first year, you are still eligible to earn the bonus points in the second year. Points are credited to your account within 12 weeks of meeting the spend requirement.
  • The Amplify Rewards program. Earn 1 point for every dollar spent on eligible purchases both in Australia and overseas. 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.
  • Balance transfer offer. New customers can pay down their debt and save on interest with a 0% p.a. interest rate for the first 6 months on balance transfers with no balance transfer fee. After the promotional period, any balances remaining will be charged at the variable cash advance rate. Note that interest free days don't apply to cards with outstanding balance transfers and you cannot transfer balances from St.George, BankSA and Bank of Melbourne cards.
  • 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. This card charges an annual fee of $99.
  • Interest rate on purchases. Interest accrues at 19.74% p.a. on purchases (variable).
  • Cash advances. The interest applied towards withdrawals and cash equivalent transactions is 21.49% p.a. You will also be charged a 2% fee of each cash advance amount (minimum of $2.50 capped at $150 per transaction).
  • 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

You can securely apply for the St.George Amplify Platinum card online within approximately 10 minutes and you will receive a response within 60 seconds.

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

With the bonus points offer, the St.George Amplify Platinum boasts rewards without the high costs. As this isn't the only rewards option on the market, make sure to compare your options before you apply.

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20 Responses

  1. Default Gravatar
    ChrisMay 13, 2017


    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?

    • Avatarfinder Customer Care
      LouMay 14, 2017Staff

      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.


  2. Default Gravatar
    AnnaOctober 27, 2016


    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?

    • Avatarfinder Customer Care
      JasonOctober 27, 2016Staff

      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.


  3. Default Gravatar
    RobJune 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?

    • Avatarfinder Customer Care
      JonathanJune 30, 2015Staff

      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.



  4. Default Gravatar
    RickApril 13, 2015

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

    • Avatarfinder Customer Care
      JonathanApril 14, 2015Staff

      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.



  5. Default Gravatar
    RayMarch 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?

    • Avatarfinder Customer Care
      JonathanMarch 17, 2015Staff

      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.



  6. Default Gravatar
    BobFebruary 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?

    • Avatarfinder Customer Care
      JonathanFebruary 5, 2015Staff

      Hi Bob,

      Thanks for your inquiry!

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



  7. Default Gravatar
    CarolJanuary 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?


    • Avatarfinder Customer Care
      JonathanJanuary 29, 2015Staff

      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!



  8. Default Gravatar
    CocoDecember 31, 2014

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

    • Avatarfinder Customer Care
      ElizabethJanuary 5, 2015Staff

      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.



  9. Default Gravatar
    October 23, 2014

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

    • Avatarfinder Customer Care
      ElizabethOctober 23, 2014Staff

      Hi Marie,

      Thanks for your question.

      There’s no fee for an additional cardholder.



  10. Default Gravatar
    LyndaSeptember 18, 2014

    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?

    • Avatarfinder Customer Care
      ShirleySeptember 19, 2014Staff

      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.


Credit Cards Comparison

Rates last updated May 24th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
ME frank Credit Card
11.99% p.a.
$0 p.a.
Save money with an ongoing $0 annual fee, the same low 11.99% p.a. interest rate on purchases and cash advances, and up to 55 days interest free.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
0% p.a. for 18 months
$50 p.a.
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
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards 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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