St.George Amplify Platinum Credit Card – Rates and Fees

Enjoy your choice of Amplify or Qantas Rewards and receive a bonus points offer with the St.George Amplify Platinum Card.

The St.George Amplify Platinum Credit Card allows you to receive 60,000 bonus points if you apply and get approved by 18 April 2018 and meet the minimum spend requirements.

To receive even more rewards for your purchases, read our review on the St.George Amplify Signature Credit Card. This card provides up to 0.75 rewards points per dollar spent on Australian merchants.

Product NameSt.George Amplify Platinum
Rewards ProgramAmplify Rewards
Purchase rate (p.a.)19.49% p.a.
Offer end date18 April 2018
Annual fee$99 p.a.
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.
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.
Card TypeVisa
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
Minimum Age18 years of age
Available To Temporary ResidentsYes - Conditions apply
Credit Rating RequirementGood
Joint ApplicationYes
Annual fee$99 p.a.
Minimum Monthly Repayment2% or $10, whichever is greater
Late Payment Fee$15
Cash Advance Fee2%
Overseas Cash Advance Fee2% of the value of the transaction or minimum charge of $2.50
Foreign Currency Conversion Fee
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.
of transaction value
Gambling Transactions AllowedYes
Additional Cardholder Fee$0
Number of Additional Cardholders1


  • Enjoy platinum card benefits with 60,000 bonus Qantas or Amplify points if you apply, get approved by 18 April 2018 and spend $3,000 within 90 days from card approval.
  • Earn uncapped rewards points on eligible purchases.
  • This card comes with complimentary travel insurances.


  • You'll get charged $15 for late payments.
Rewards ProgramAmplify Rewards
Bonus Points60,000 bonus points
Rewards Points per $ spent (VISA/MC)1
Rewards Points per $ (VISA/MC) CapUncapped

St.George Amplify Platinum Credit Card review

Receive 60,000 bonus points when you apply, get approved and spend $3,000 in 90 days from card approval. Offer ends on 18 April 2018.

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 60,000 bonus points when you spend $3,000 in the first 90 days of your card approval. Simply apply and get approved by 18 April 2018. Points will be added to your balance within 3 months after the eligible spend criteria is met.
  • The Amplify Rewards program. Earn 1 point for every dollar spent when you are signed up for Amplify points. 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.
  • 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.

Features of the St.George Amplify Platinum Credit Card

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

  • Annual fee. This card attracts an annual fee of $99.
  • 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%. 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.
  • 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

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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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?

    • Staff
      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?

    • Staff
      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?

    • Staff
      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?

    • Staff
      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?

    • Staff
      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?

    • Staff
      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?


    • Staff
      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?

    • Staff
      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?

    • Staff
      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?

    • Staff
      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 February 25th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
American Express Velocity Escape Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$0 p.a.
Receive a bonus 12,500 Velocity Points, pay a $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
Exclusive to, enjoy a 0% BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$99 p.a.
Platinum card benefits including complimentary insurance, plus 0% p.a. for 24 months on balance transfers (with no BT fee). Ends 28 February 2018.
Westpac Low Rate - Online Offer
13.49% p.a.
0% p.a. for 30 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Take advantage of 0% p.a. for 30 months on balance transfers with a 2% balance transfer fee when you apply online by 28 February 2018.

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* 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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