St.George Amplify Platinum Credit Card – Rates and Fees

Collect 50,000 bonus Amplify Points and enjoy a $0 first year annual fee with the St.George Amplify Platinum.

When you apply for the St.George Amplify Platinum before 23 January 2019, you will earn 50,000 bonus Amplify Points when you spend $2,000 on eligible purchases within 90 days of approval. In addition to the bonus points, you will be eligible for a $0 first year annual fee.

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
Purchase rate (p.a.)19.49% p.a.
Offer end date23 January 2019
Annual fee$0 p.a. annual fee for the first year ($99 p.a. thereafter)
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.)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 upon application. This is the maximum credit limit available on this card and you can apply for increases after the account has been opened.
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 ResidentsNo
Joint ApplicationYes
Annual fee$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Minimum Monthly Repayment2% or $10, whichever is greater
Late Payment Fee$15
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
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


  • Enjoy platinum card benefits with 50,000 Amplify points when you apply, get approved by 23 January 2019 and spend $2,000 within 90 days from card approval.
  • Save with a $0 annual fee for the first 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
Rewards ProgramAmplify Rewards
Bonus Points50,000 bonus points
Rewards Points per $ spent (VISA/MC)1
Rewards Points per $ (VISA/MC) CapUncapped

Benefits of using the St.George Amplify Platinum

  • Bonus Points. Receive 50,000 bonus Amplify Points when you apply and get approved by 23 January 2019 and spend $2,000 in the first 90 days of your card approval. Points will be added to your balance within 3 months after the eligible spend criteria is met.
  • $0 first year annual fee. When you apply and are approved before 23 January 2019, the first year's annual fee will be waived, saving you $99.
  • The Amplify Rewards program. Earn 1 point for every dollar spent on eligible purchases. 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.
  • 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. Outside of any promotions, this card charges an annual fee of $99.
  • Interest rate on purchases. Interest accrues at 19.49% p.a. on purchases (variable).
  • Cash advances. The interest applied towards monies withdrawn as cash is 20.24% p.a. You will also be charged a 2% fee of each cash advance amount (minimum of $2.50 capped at $150 per transaction). 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.

How to apply for the St.George Amplify Platinum credit card

Applying for the Amplify Platinum is easy, you can do so by submitting your application online, visiting any St.George branch, or you can get started over the phone. To submit an online application, simply fill out your details on the secure online application form.

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

There is an abundance of benefits to consider with this platinum credit card. Compare 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?

    • finder 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?

    • finder 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?

    • finder 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?

    • finder 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?

    • finder 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?

    • finder 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?


    • finder 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?

    • finder 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?

    • finder 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?

    • finder 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 December 19th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) 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 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Suncorp Clear Options Platinum Credit Card - Online Offer
20.74% p.a.
0% p.a. for 18 months
$49 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a 0% balance transfer offer and earn up to 60,000 Bonus Rewards Points. Plus, a discounted first year annual fee when you apply online.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.
NAB Low Fee Platinum Card
19.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$90 p.a.
Offers 7 complimentary insurance covers, a 0% p.a. for 24 month balance transfer and access to a 24/7 concierge service for a $90 p.a. annual fee.

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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