St.George Amplify Platinum Qantas – Review

Receive 50,000 bonus Qantas Points and earn points for your purchases with the St.George Amplify Platinum.

With the St.George Amplify Platinum, you will earn 50,000 bonus Qantas when you apply and get approved by 23 January 2019 and spend $2,000 within 90 days of card approval. Plus, receive a range of complimentary insurance covers for a competitive annual fee.

Alternatively, if you prefer to earn Amplify Points for your spending, the St.George Amplify Platinum Amplify rewards option is worth considering.

Product NameSt.George Amplify Platinum - Qantas
Rewards ProgramQantas Frequent Flyer
Purchase rate (p.a.)19.49% p.a.
Offer end date23 January 2019
Annual fee$99 p.a.
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.
$6,000
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.
$80,000
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$99 p.a.
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% of each cash advance amount (minimum of $2.50 capped at $150 per transaction)
Overseas Cash Advance Fee2% of the value of the transaction or minimum charge of $2.50
Gambling Transactions AllowedYes
Additional Cardholder Fee$0
Number of Additional Cardholders1

Pros

  • Enjoy platinum card benefits with 50,000 bonus Qantas Points when you apply, get approved by 23 January 2019 and spend $2,000 within 90 days from card approval.
  • Earn uncapped rewards points on eligible purchases.
  • This card comes with complimentary travel insurances.

Cons

  • The earn rate of 0.5 Qantas Points per $1 spent is lower than some other platinum cards.
Rewards ProgramQantas Frequent Flyer
Bonus Points50,000 bonus points
Rewards Points per $ spent (VISA/MC)0.5
Rewards Points per $ (VISA/MC) CapUncapped

Benefits of using the St.George Amplify Platinum

  • Bonus Points. Receive 50,000 bonus Qantas when you apply and get approved by 23 January 2019 and spend $2,000 within the first 90 days of card approval. Points will be added to your balance within 3 months after the eligible spend criteria is met.
  • The Amplify Qantas Rewards Program. Anywhere you use your card, you will earn 0.5 Qantas points per $1 spent on eligible purchases, uncapped.
  • 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.

Features of the St.George Amplify Platinum

The Amplify Platinum has an array of other features to consider:

  • Annual fee. This card charges an annual fee of $99.
  • Interest rate on purchases. When you make a purchase with your platinum card, the balance will accrue an interest rate of 19.49% p.a. (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.
  • 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.

How to apply for the St.George Amplify Platinum - Qantas

Applying for the Amplify Platinum - Qantas is easy, you can do so by submitting the application form 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, or 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. Match 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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Credit Cards Comparison

Rates last updated December 13th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee. Ends 16 December 2018
More info
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.
American Express Westpac Altitude Platinum Bundle - Qantas
20.24% p.a.
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
Up to 75,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect 90,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, a $295 annual fee in the first year.

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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au 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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