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Our verdict

Offers 100,000 bonus Amplify Points and a discounted annual fee of $49 in the first year, which goes to $124 after that.

The St.George Amplify Platinum is a rewards credit card that earns 1 point per $1 on eligible spending. It also offers 100,000 bonus Amplify Points when you apply as a new cardholder by 31 July 2024 and spend $3,000 on eligible purchases in the first 90 days from card approval. As an example, transferring these points to Velocity Frequent Flyer would give you 50,000 Velocity Points – enough for a return economy flight from Sydney to Denpasar (44,600 points plus fees and taxes). Or, you could redeem them for up to $450 in eGift cards. The St.George Amplify Rewards website doesn’t publicly list the value of most other rewards, but redemptions start from 3,000 points.

If you have credit card debt you want to pay off, the 0% balance transfer offer on this card gives you a 24-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. One other thing to be clear on is what is more important to you: bonus points, or the balance transfer offer? In order to get the bonus points, you need to meet minimum spend requirements, and you’ll then need to repay your balance in full each month to avoid paying interest. This spending could impact the value of your 0% balance transfer, so consider your overall goals and priorities.

Pros

100,000 bonus Amplify Points
$49 annual fee in the first year
0% p.a. for 24 months on balance transfers
Uncapped rewards points on eligible purchases
Complimentary travel insurances
Shopping cashbacks through ShopBack

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

The St.George Amplify Platinum Credit Card currently has a bonus points offer, a balance transfer offer and a $49 annual fee in the first year, which goes to $124 after that. The annual fee that applies after the first year is similar to other platinum cards. But it’s still worth thinking about whether the value you’ll get from points and other perks – or the balance transfer offer – will justify this cost for you.

Details

Product details

Product Name	St.George Amplify Platinum
Balance transfer rate p.a.	0% for 24 months with 1% balance transfer fee, then 21.49%
Balance transfer limit	80% of available limit
Purchase rate p.a.	19.49%
Interest-free period	Up to 55 days on purchases
Cash advance rate p.a.	21.49%
Min credit limit	$6,000
Max credit limit	$80,000
Card type	Visa

Eligibility

Available to temporary residents	Yes - Conditions apply
Joint application	No

Rewards

Rewards program	Amplify Rewards
Bonus points	100,000
Rewards points per $ spent	1
Rewards points cap	Uncapped

Fees

Annual fee	$49 first year ($124 after)
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	3%
Overseas cash advance fee	3% of each cash advance amount
Additional cardholder fee	$0
Number of additional cardholders	1

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.

Card benefits

100,000 bonus Amplify Points. Receive 100,000 bonus points when you apply, get approved by 31 July 2024 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. The bonus points will be added to your Amplify Rewards account within 12 weeks of meeting the spend requirement.
First-year annual fee discount. Apply by 31 July 2024 and save with a $49 annual fee in the first year (reverts to $124 p.a. thereafter).

Balance transfer offer. New customers who apply and get approved by 31 July 2024 can pay down existing debt and save on interest with a 0% p.a. interest rate for the first 24 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. This card offers 1 point per $1 for eligible purchases in Australia and overseas, uncapped. Amplify Points can be redeemed for travel, gift cards, frequent flyer points with Velocity Frequent Flyer or Singapore Airlines KrisFlyer, merchandise, charity donations or an annual fee rebate.
Complimentary 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.
Complimentary purchase insurance covers. When you use this card to make eligible purchases, you get complimentary purchase security insurance and extended warranty insurance.
Shopping cashbacks. Eligible St.George credit card holders can get cashbacks when they shop with their card on the online rewards platform ShopBack.
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. Outside of any promotions, this card charges an annual fee of $124.
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 3% of each cash advance amount.
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.

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Amy Finder

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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?

Anndy Lou Finder

May 13, 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

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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?

Jason Finder

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

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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?

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Jonathan Finder

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

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Rick

April 13, 2015

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

Jonathan Finder

April 13, 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

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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

Jonathan Finder

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

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St.George Amplify Platinum Credit Card

Pros

Cons

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

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