St.George Amplify – Qantas Card – Details and Application

Take advantage of a 0% p.a. interest rate on purchases for 14 months and earn Qantas points per $1 spent with the St.George Amplify - Qantas card.

When you apply for the St.George Amplify - Qantas card by 23 January 2019, you will be eligible for a 0% p.a. interest rate for the first 14 months on purchases. Cardholders will also earn 0.5 Qantas Points per $1 spent on eligible purchases, uncapped.

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

Product NameSt.George Amplify - Qantas
Rewards ProgramQantas Frequent Flyer
Purchase rate (p.a.)0% p.a. for 14 months (reverts to 19.49% p.a.)
Offer end date23 January 2019
Annual fee$79 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
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.
$500
Max credit limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$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 InsuranceNo
Minimum Age18 years of age
Available To Temporary ResidentsNo
Joint ApplicationYes
Annual fee$79 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 the value of the transaction or minimum charge of $2.50
Overseas Cash Advance Fee2%
Gambling Transactions AllowedYes
Additional Cardholder Fee$0
Number of Additional Cardholders1

Pros

  • Save with a long-term purchase rate offer of 0% p.a. for the first 14 months.
  • Earn 0.5 Qantas Points per $1 spent on eligible purchases, uncapped.
  • Request for an additional card at no extra cost.

Cons

  • The Qantas Points earn rate is low relative to the $79 p.a. annual fee.
Rewards ProgramQantas Frequent Flyer
Rewards Points per $ spent (VISA/MC)0.5
Rewards Points per $ (VISA/MC) CapUncapped

Benefits of the St.George Amplify - Qantas

The St.George Amplify - Qantas offers both cost-saving features and a rewards program. Some of the main benefits of this card are:

  • 0% p.a. for 14 months on purchases. Enjoy a 0% p.a. purchase interest rate for the first 14 months when you apply and get approved by 23 January 2019. After the introductory period, any remaining balance accrues interest at the purchase rate, currently 19.49% p.a.
  • Amplify Qantas program. Earn 0.5 Qantas Points per $1 spent on eligible purchases. These points are uncapped and never expire.
  • Double points. Earn double points on transactions made with Qantas Frequent Flyer partners.
  • Additional card. You can request for an additional card at no extra cost.

Features of the St.George Amplify - Qantas

  • Annual fee. The St.George Amplify - Qantas card attracts an annual fee of $79.
  • Interest rate on purchases. Interest accrues at 19.49% p.a. on purchases (variable).
  • Interest rate on cash advances. This card charges an interest rate of 20.24% p.a. on cash advances (variable).
  • Foreign transaction fee. A foreign currency conversion fee of 3% is charged for any purchases made with an international retailer.
  • Interest-free days. The card provides up to 55 interest-free days which can help in keeping the interest costs to a minimum.

How to apply for the St.George Amplify - Qantas

To begin the application process, simply complete an online application form. Please note that applications for the St.George Amplify card will only be accepted if you meet the following eligibility requirements.

Eligibility criteria

  • You must be at least 18 years of age.
  • You must be a permanent resident of Australia.

Required documents

  • Applicants need to provide a driver’s license, passport or Medicare card number.
  • Customers have to provide their weekly after-tax income documents.
  • Information regarding financial commitments including liabilities and assets need to be provided.

The St.George Amplify - Qantas is an ideal card for customers looking for the benefits of a frequent flyer program for a relatively low cost. The Qantas points aren’t capped or limited by an expiry, allowing cardholders to accumulate and save their points at their leisure.

Back to top
Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy & Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.

Credit Cards Comparison

Rates last updated October 17th, 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.
Qantas Premier Everyday
19.99% p.a.
4.9% p.a. for 24 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Take advantage of up to 40,000 bonus Qantas Points, a $0 first year annual fee plus complimentary overseas travel insurance.
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
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.
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.
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.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 26 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer, $0 first year annual fee, complimentary travel insurance and access to a 24/7 personal concierge service.

Compare up to 4 providers

* 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.

Ask a question
Go to site