St.George Amplify Platinum Credit Card – Gift Card

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Earn a $400 e-gift card and enjoy 0% interest on balance transfers for 6 months when you apply for the St.George Amplify Platinum card.

The Amplify Platinum offers a promotional e-gift card offer, complimentary travel and purchase insurance covers and an interest-free balance transfer offer.

0% p.a.

Balance transfer rate

for 6 months

19.74% p.a.

Purchase rate

1

Reward point

Per $ spent (Visa/Mastercard)

$99 p.a.

Annual fee

Details

Product NameSt.George Amplify Platinum - Gift Card
Rewards ProgramAmplify Rewards
Balance transfer rate0% p.a. for 6 months
Balance Transfer Revert RateCash Advance Rate (21.49% p.a.)
Balance Transfer Limit80% of available balance
Purchase rate (p.a.)19.74% p.a.
Annual fee$99 p.a.
Interest Free Period55 days
Cash advance rate (p.a.)21.49% p.a.
Min credit limit$6,000
Max credit limit$80,000
Card TypeVisa
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Complimentary Travel InsuranceYes
Minimum Age18 years of age
Available to Temporary ResidentsYes - Conditions apply
Joint ApplicationYes - Conditions apply

Pros

  • Choice of $400 e-gift card
  • 0% p.a. for 6 months on balance transfers, with no balance transfer fee
  • Uncapped rewards points on eligible purchases
  • Complimentary travel insurances

Cons

  • Gift card selection is limited to JB Hi-Fi, Bunnings or Flight Centre
  • Balances remaining at the end of the balance transfer period are subject to the high 21.49% p.a. cash advance rate
  • Charges a foreign transaction fee of 3% of transaction value
Rewards ProgramAmplify Rewards
Rewards Points per $ spent (Visa/Mastercard)1
Rewards Points per $ Cap (Visa/Mastercard)Uncapped
Annual fee$99 p.a.
Minimum Monthly Repayment2% of the closing balance or $10, whichever is greater
Late Payment Fee$15
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Cash Advance Fee2% or $2.50, whichever is greater
Overseas Cash Advance Fee2% of transaction amount or $2.50 (whichever is greater), capped at $150 / transaction
Additional Cardholder Fee$0
Number of Additional Cardholders1

Expert review

Sally McMullen

Review by


Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.

Expert review

This is the mid-tier card in the St.George Amplify Rewards range. It boasts a $400 e-gift card and a short-term balance transfer offer. However, the $3,000 spend requirement is relatively high and the card can only be redeemed at your choice of either JB Hi-Fi, Bunnings or Flight Centre.

How to apply

To take advantage of this offer, you must apply online. The application should only take 10 minutes and you'll receive a response within 60 seconds. Before you get started, make sure you've met the eligibility criteria and have the necessary information ready to complete the application.

Eligibility criteria

  • New cardholder. To be eligible for the promotion, you must apply online 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 online, you must be an Australian citizen or permanent resident.

Card benefits

  • $400 e-gift card. When you apply and are approved by 29 April 2020, you will be eligible to receive a $400 e-gift card for your choice of either JB Hi-Fi, Bunnings or Flight Centre. To qualify, you will need to spend at least $3,000 on eligible purchases within the first 90 days. Eligible purchases include most everyday spend, but exclude things like balance transfers and cash advances.
  • The Amplify Rewards program. Earn 1 point for every dollar spent on eligible purchases in Australia and overseas. Your points aren't capped and can be redeemed for travel, gift cards merchandise or frequent flyer points, including automatic conversion to Velocity at a rate of 2:1.

Rates & fees

  • Annual fee. This card charges an annual fee of $99.
  • Interest-free period. You will receive up to 55 days interest-free on new purchases when you pay your monthly payment balance listed on your statement in full by the payment due date. Note that these interest-free days are separate from any longer-term interest rate promotions and the monthly payment balance excludes current balance transfers.
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