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 22 May 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
Balance transfer rate0% p.a. for 6 months
Balance transfer revert rate
The interest rate after the balance transfer ends.
Cash Advance Rate (20.24% p.a.)
Balance Transfer Limit80% of available credit limit
Purchase rate (p.a.)19.49% p.a.
Offer end date22 May 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 ResidentsYes - Conditions apply
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 22 May 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.
  • Take advantage of a 0% p.a. balance transfer offer for the first 6 months.

Cons

  • A relatively high variable cash advance rate of 20.24% p.a. applies after the promotional balance transfer period.
  • 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 Points when you apply and get approved by 22 May 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 spend criteria is met.
  • The Amplify Qantas Rewards Program. You'll collect 0.5 Qantas Points per $1 spent on eligible purchases. This earn rate is uncapped, so your points earning potential isn't restricted.
  • Balance transfer offer. New customers who apply by 22 May 2019 can repay existing debt and save with 0% p.a. interest rate for the first 6 months on balance transfers. After the promotional period, any balance remaining will be charged at the variable cash advance rate. Note that you cannot transfer balances from existing BankSA, Bank of Melbourne, or St.George credit cards.
  • Travel insurance covers. You can travel with peace of mind and save thanks to complimentary travel insurance covers when you use this card to pay for travel. These covers include 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'll receive 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 fees and features to consider:

  • Annual fee. This card charges an annual fee of $99.
  • Interest rate on purchases. Purchases on your platinum card will accrue interest at the rate of 19.49% p.a. (variable)
  • Cash advances. The interest applied towards monies withdrawn as cash and cash equivalent transactions 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).
  • 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 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 Qantas rewards cards to see which one has the options that you need the most.

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Credit Cards Comparison

Rates last updated February 18th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate 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.
HSBC Platinum Credit Card
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
0% p.a. for 22 months on balance transfers with no BT fee. Plus, a yearly annual fee refund when you spend $6,000 and 2 lounge passes per year.
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.
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.

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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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