St.George Amplify Platinum – Qantas

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Score 70,000 Bonus Qantas Points, a balance transfer offer and complimentary travel insurance.

The St.George Amplify Platinum offers a range of complimentary travel and purchase insurance covers, Qantas Points and a 15-month balance transfer offer for a competitive annual fee.

0% p.a.

Balance transfer rate

for 15 months with 1% balance transfer fee

70,000

Bonus points

19.74% p.a.

Purchase rate

0.5

Reward points

Per $ spent

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Details

Product NameSt.George Amplify Platinum - Qantas
Rewards programQantas Frequent Flyer
Balance transfer rate0% p.a. for 15 months with 1% balance transfer fee
Balance transfer revert rateCash Advance Rate (21.49% p.a.)
Balance transfer limit80% of available limit
Purchase rate19.74% p.a.
Annual fee$99
Interest-free period55 days
Cash advance rate21.49% p.a.
Min credit limit$6,000
Max credit limit$80,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsYes - Conditions apply
Joint applicationYes - Conditions apply

Pros

  • 70,000 bonus Qantas Points when you spend $1,500 per month on eligible purchases within 3 months of card approval
  • 0% p.a. for 15 months on balance transfers
  • Uncapped rewards points on eligible purchases
  • Complimentary travel and purchase insurances

Cons

  • Charges a 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
  • Earn rate of 0.5 Qantas Points per $1 spent is lower than some other platinum cards
  • Does not offer airport lounge passes
Rewards programQantas Frequent Flyer
Bonus points70,000
Rewards points per $ spent0.5
Annual fee$99
Minimum monthly repayment2% of the closing balance or $10, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%
Cash advance fee2% or $2.50, whichever is greater
Overseas cash advance fee2% or $2.50, whichever is greater
Additional cardholder fee$0
Number of additional cardholders1

Expert review

Sally McMullen

Review by


Sally McMullen is a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The St.George Amplify Platinum - Qantas card offers a solid 0% balance transfer for 15 months, which could help you save on interest if you’re already paying off card debt. The 70,000 bonus Qantas Points offer would give you enough points to fly return from Brisbane to Adelaide in business class (55,200 Qantas Points), with some to spare. But to collect the points, you do need to keep an eye on your monthly spending to make sure you meet the required $1,500 of eligible purchases in each of the first 3 months.

Unlike many other providers, St.George grants you interest-free days on new purchases while you carry a balance transfer debt. This means that if you pay your monthly payment balance listed on your statement in full by the payment due date each month, as well as the full balance transfer amount before the 15 months is over, you will not pay any interest on your credit card. But spending money when you’re paying off a balance transfer can make it harder to pay off before the 0% interest period ends – so think about prioritising any repayments over the temptation to spend and earn points.

How to apply

You can apply for the St.George Amplify Platinum - Qantas card online in 10 minutes and receive a response instantly. Before you get started, check if you meet the eligibility criteria and organise the necessary information to complete the application.

Eligibility criteria

  • New customer. 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, you must be an Australian citizen or permanent resident.

Card benefits

  • Balance transfer offer. New customers who apply by 09 February 2021 can pay down existing debt and save with a 0% p.a. interest rate for the first 15 months on balance transfers with a one-time 1% balance transfer fee. After the promotional period, any balance remaining will be charged at the variable cash advance rate, currently 21.49% p.a.
  • Bonus points. New customers will receive 70,000 bonus Qantas Points when you apply and get approved by 09 February 2021 and spend $1,500 each month within the first 3 months of card approval. The bonus points will be added to your balance within 12 weeks after the spend criteria is met.

Rates & fees

  • Annual fee. This card charges an annual fee of $99.
  • Interest rate on purchases. Purchases on your platinum card will be charged at the variable interest rate of 19.74% p.a.

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6 Comments

  1. Default Gravatar
    Steven
    February 20, 2020

    Can you please confirm that this card has a 0% balance transfer fee?

    • Default Gravatar
      Nikki
      February 21, 2020

      Hi Steven,

      Thanks for your comment and I hope you are doing well.

      This is to confirm that the balance transfer fee of the St. George Amplify Platinum is 0%. As seen above, take not that there are conditions to this 0% balance transfer fee.

      – New customers only can avail of this promo
      – One must apply by 31 March 2020
      – the 0% interest rate is good for the first 22 months only on balance transfers with no balance transfer fee.

      Note that after the promotional period, any balance remaining will be charged at the variable cash advance rate, currently 21.49% p.a.

      I hope this helps and feel free to reach out to us again for further assistance.

      Best,
      Nikki

  2. Default Gravatar
    Adam
    September 16, 2019

    Do all complimentary credit card insurance require the flights to be purchased or could it be just associated costs like car rental and accommodation?

    I am heading overseas and I am lucky enough to not need to pay for me flights but I still need to cover my expenses including accommodation etc.

    • Default Gravatar
      Ash
      September 17, 2019

      Hi Adam,

      Thank you for contacting Finder.

      For the Complimentary Travel Insurance from St.George, one of their eligibility requirements is that you must spend at least $500 using your St.George Credit Card for prepaid travel expenses such as car rental or flight booking. You may read this page to know more about the Complimentary Travel Insurance from St.George Bank.

      I hope this helps.

      Please do not hesitate to reach out again to us if you have additional questions.

      Cheers,
      Ash

  3. Default Gravatar
    Michelle
    July 30, 2019

    If I have this type of credit card before, will I be eligible to this promotional bonus frequent flyer points

    • Default Gravatar
      Nikki
      July 30, 2019

      Hi Michelle,

      Thanks for your question. As it says on the terms and conditions of this card, existing customers who currently hold an Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, or who have held one in the last 12 months, are not eligible for this offer.

      Hope this helps!

      Best,
      Nikki

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