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St.George Amplify Platinum Credit Card – Online Offer

Last updated: 21 January 2020

Collect 100,000 bonus Amplify Points and enjoy 0% interest on balance transfers for 22 months when you apply online.

The Amplify Platinum offers bonus points, complimentary travel and purchase insurance covers and a long-term, interest-free balance transfer offer.

Apply online for a new St.George Amplify Platinum card before 31 March 2020, you will earn 100,000 bonus Amplify Points when you spend $2,000 on eligible purchases within the first 90 days of approval. In addition to the bonus points, you can save on interest with a 0% p.a. interest rate on balance transfers for the first 22 months.

Terms and conditions apply

Find out more Go to site

0% p.a.

Balance transfer rate

for 22 months

100,000

Bonus points

19.74% p.a.

Purchase rate

Reward point

Per $ spent (Visa/Mastercard)

Details

Product Name	St.George Amplify Platinum - Online Offer
Rewards Program	Amplify Rewards
Balance transfer rate	0% p.a. for 22 months
Balance Transfer Revert Rate	Cash Advance Rate (21.49% p.a.)
Balance Transfer Limit	80% of available balance
Purchase rate (p.a.)	19.74% p.a.
Annual fee	$99 p.a.
Interest Free Period	55 days
Cash advance rate (p.a.)	21.49% p.a.
Min credit limit	$6,000
Max credit limit	$80,000
Card Type	Visa
Foreign Currency Conversion Fee (Visa/Mastercard)	3% of transaction value
Complimentary Travel Insurance	Yes

Minimum Age	18 years of age
Available to Temporary Residents	Yes - Conditions apply
Joint Application	Yes - Conditions apply

Pros

100,000 bonus Amplify Points when you spend $2,000 in 90 days
0% p.a. for 22 months on balance transfers, with no balance transfer fee
Uncapped rewards points on eligible purchases
Complimentary travel insurances

Cons

Balances remaining at the end of the balance transfer period are subject to the high 21.49% p.a. cash advance rate
Charges a foreign transaction fee of 3% of transaction value

Rewards Program	Amplify Rewards
Bonus Points	100,000 bonus points
Rewards Points per $ spent (Visa/Mastercard)	1
Rewards Points per $ Cap (Visa/Mastercard)	Uncapped

Annual fee	$99 p.a.
Minimum Monthly Repayment	2% of the closing balance or $10, whichever is greater
Late Payment Fee	$15
Foreign Currency Conversion Fee (Visa/Mastercard)	3% of transaction value
Cash Advance Fee	2% or $2.50, whichever is greater
Overseas Cash Advance Fee	2% of transaction amount or $2.50 (whichever is greater), capped at $150 / transaction
Additional Cardholder Fee	$0
Number of Additional Cardholders	1

Go to St.George Bank's site More info

Expert review

Review by

Sally McMullen

sally.mcmullen@finder.com.au

Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.

Expert review

This is the mid-tier card in the St.George Amplify Rewards range. It offers a generous bonus points promotion as well as a 0% balance transfer rate. However, if you’re concentrating on paying off existing debt, chasing bonus points should not be a priority. Either way, a unique feature of this card is that you can still be eligible for interest-free days on new purchases while you pay off your balance transfer.

For your spending, you'll earn 1 Amplify Rewards point per eligible $1 spent and can redeem your points for products from the online rewards store, gift cards, travel or for partnered frequent flyer points. As an example, you could exchange 100,000 Amplify Rewards for 50,000 Velocity Points, KrisFlyer Miles or Enrich points. If you’d prefer to earn Qantas Points for your spending, read our review of the St.George Amplify Platinum - Qantas.

How to apply

To take advantage of this offer, you must apply online. The application 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 online 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 online, 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.

Go to St.George's site More info

Card benefits

100,000 bonus Amplify Points. Receive 100,000 bonus points when you apply, get approved by 31 March 2020 and spend $2,000 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. Points are credited to your account within 12 weeks of meeting the spend requirement.
Balance transfer offer. New customers can pay down existing debt and save on interest with a 0% p.a. interest rate for the first 22 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, currently 21.49% p.a.

The Amplify Rewards program. Earn 1 point for every dollar spent on eligible purchases in Australia and overseas. Your points aren't capped and can be redeemed for travel, gift cards merchandise or frequent flyer points, including automatic conversion to Velocity at a rate of 2:1.
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.
Purchase covers. When you use this card to make eligible purchases, you get complimentary purchase security insurance, price guarantee cover and extended warranty insurance.
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. This card charges an annual fee of $99.
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 2% of transaction amount or $2.50 (whichever is greater), capped at $150 / transaction.
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.

Go to St.George's site More info

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20 Comments

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?

Reply
- finder Customer Care
  
  Dee
  May 14, 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
  
  Reply
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?

Reply
- finder Customer Care
  
  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
  
  Reply
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?

Reply
- finder Customer Care
  
  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
  
  Reply
Rick
April 13, 2015

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

Reply
- finder Customer Care
  
  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
  
  Reply
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

Reply
- finder Customer Care
  
  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
  
  Reply
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?

Reply
- finder Customer Care
  
  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
  
  Reply
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

Reply
- finder Customer Care
  
  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
  
  Reply
Coco
December 31, 2014

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

Reply
- finder Customer Care
  
  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
  
  Reply
Marie
October 23, 2014

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

Reply
- finder Customer Care
  
  Elizabeth
  October 23, 2014
  
  Hi Marie,
  
  Thanks for your question.
  
  There’s no fee for an additional cardholder.
  
  Thanks,
  
  Elizabeth
  
  Reply
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

Reply
- finder Customer Care
  
  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
  
  Reply

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St.George Amplify Platinum Credit Card – Online Offer