St.George Amplify Platinum – Qantas

This platinum rewards card offers 60,000 bonus Qantas Points and complimentary travel insurance, with a $99 annual fee.

The St.George Amplify Platinum gives you a way to earn 0.5 Qantas Point per $1 spent on eligible purchases and offers complimentary travel and purchase insurance options. While the earn rate isn't as high as some other Qantas Frequent Flyer credit cards, it is competitive with cards that have similar annual fees.

0% p.a.

Balance transfer rate

for 24 months with 1% balance transfer fee


Bonus points

19.49% p.a.

Purchase rate


Reward points

Per $ spent

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Product NameSt.George Amplify Platinum - Qantas
Rewards programQantas Frequent Flyer
Balance transfer rate0% p.a. for 24 months with 1% balance transfer fee
Balance transfer revert rateCash Advance Rate (21.49% p.a.)
Balance transfer limit80% of available limit
Purchase rate19.49% p.a.
Annual fee$99
Interest-free periodUp to 55 days on purchases
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 applicationNo


  • 60,000 bonus Qantas Points when you spend $3,000 on eligible purchases for the first 90 days from card approval
  • 0% p.a. for 24 months on balance transfers
  • Earn 0.5 Qantas Point per $1 spent
  • Complimentary travel and purchase insurances


  • 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 points60,000
Rewards points per $ spent0.5
Rewards points cap100,000
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 fee3%
Overseas cash advance fee2%
Additional cardholder fee$0
Number of additional cardholders1

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The St.George Amplify Platinum - Qantas card's 60,000 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. Or it's enough for $275 worth of Woolworths WISH digital gift cards (56,790 points for 1 gift card worth $250 and 1 gift card worth $25).

This introductory offer also includes a 0% balance transfer if you're paying off existing debt. Unlike many other providers, St.George offers interest-free days on new purchases when 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 24 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

  • Bonus points. New customers will receive 60,000 bonus Qantas Points when you apply and get approved by 24 February 2022 and spend $3,000 within the first 90 days of card approval. The bonus points will be added to your balance within 12 weeks after the spend criteria is met.
  • Balance transfer offer. New customers who apply by 24 February 2022 can pay down existing debt and save with a 0% p.a. interest rate for the first 24 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.

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 19.49% p.a.

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    Default Gravatar
    February 20, 2020

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

      Default Gravatar
      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.


    Default Gravatar
    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
      September 17, 2019

      Hi Adam,

      Thank you for contacting Finder.

      One of St. George’s credit card complimentary travel insurance 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.

      I hope this helps.

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


    Default Gravatar
    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
      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!


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