St.George Amplify Platinum Credit Card

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Enjoy up to 100,000 bonus Amplify Points and a $49 first year annual fee with the St.George Amplify Platinum.

The Amplify Platinum offers bonus points, complimentary travel and purchase insurance covers and the ability to automatically convert your points to Velocity Frequent Flyer.

0% p.a.

Balance transfer rate

for 6 months

100,000

Bonus points

19.74% p.a.

Purchase rate

1

Reward point

Per $ spent (Visa/Mastercard)

Details

Product NameSt.George Amplify Platinum
Rewards ProgramAmplify Rewards
Balance Transfer Rate0% p.a. for 6 months
Balance Transfer Revert RateCash Advance Rate (21.49% p.a.)
Balance Transfer Limit80% of available balance
Purchase Rate19.74% p.a.
Annual Fee$49 for the first year ($99 thereafter)
Interest Free Period55 days
Cash Advance Rate21.49% p.a.
Minimum Credit Limit$6,000
Maximum Credit Limit$80,000
Card TypeVisa
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Complimentary Travel InsuranceYes
Minimum Age18 years of age
Available to Temporary ResidentsYes - Conditions apply
Joint ApplicationYes

Pros

  • Up to 100,000 total bonus Amplify Points (70,000 points in the first year and 30,000 in the second year)
  • Discounted $49 annual fee in the first year
  • Uncapped rewards points on eligible purchases
  • Complimentary travel insurances

Cons

  • It takes over a year to collect the full amount of bonus points
  • Charges a 3% of transaction value foreign transaction fee
Rewards ProgramAmplify Rewards
Bonus Points100,000 bonus points
Rewards Points per $ spent (Visa/Mastercard)1
Rewards Points per $ Cap (Visa/Mastercard)Uncapped
Annual Fee$49 for the first year ($99 thereafter)
Minimum Monthly Repayment2% 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 Fee2% or $2.50, whichever is greater
Overseas Cash Advance Fee2% of transaction amount or $2.50 (whichever is greater), capped at $150 / transaction
Additional Cardholder Fee$0
Number of Additional Cardholders1

Expert review

Sally McMullen

Review by


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 has a relatively competitive bonus points offer, but the staggered spend requirement to get them is a little trickier than some other rewards credit cards. Additional value can be derived from the complimentary travel insurance and purchase insurance covers.

How to apply

To take advantage of this offer, you can 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 bonus points 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 online, you must be an Australian citizen or permanent resident.

Card benefits

  • Up to 100,000 bonus Amplify Points. Receive 70,000 bonus points when you apply, get approved by 12 February 2020 and spend $6,000 on eligible purchases within the first 12 months from card approval. You'll get an additional 30,000 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.
  • Discounted first year annual fee. Apply by 12 February 2020 and save $50 with a discounted annual fee of $49 in the first year (reverts to $99 p.a. thereafter).

Rates & fees

  • Annual fee. Outside of any promotions, this card charges an annual fee of $99.
  • Interest on purchases. If you haven't paid your balance in full, interest is charged at the 19.74% p.a. variable purchase rate. Provided you’ve paid your previous balance in full (including any balance transfers), you will also get up to 55 days interest-free on purchases.

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20 Comments

  1. Default Gravatar
    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?

    • AvatarStaff
      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

  2. 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?

    • AvatarStaff
      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

  3. 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?

    • AvatarStaff
      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

  4. Default Gravatar
    Rick
    April 13, 2015

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

    • AvatarStaff
      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

  5. 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

    • AvatarStaff
      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

  6. 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?

    • AvatarStaff
      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

  7. 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

    • AvatarStaff
      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

  8. Default Gravatar
    Coco
    December 31, 2014

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

    • AvatarStaff
      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

  9. Default Gravatar
    Marie
    October 23, 2014

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

    • AvatarStaff
      Elizabeth
      October 23, 2014

      Hi Marie,

      Thanks for your question.

      There’s no fee for an additional cardholder.

      Thanks,

      Elizabeth

  10. 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

    • AvatarStaff
      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

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