St.George Amplify Card – Details and Application

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Enjoy a long 36-month balance transfer offer, earn rewards points per $1 spent and a $0 annual fee for the first year with the St.George Amplify Visa.

Cardholders can enjoy a rewards program by either earning 1 Amplify Point or 0.5 Qantas Points per $1 spent on eligible purchases. If you want to make use of the 3% p.a. for 36 months balance transfer offer, you’ll need to apply before the offer ends on 26 September 2018.

Product NameSt.George Amplify Card
Rewards ProgramAmplify Rewards / Qantas Frequent Flyer
Balance transfer rate (p.a.)3% p.a. for 36 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 date26 September 2018
Annual fee$0 p.a. annual fee for the first year ($79 p.a. thereafter)
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.
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.
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$0 p.a. annual fee for the first year ($79 p.a. thereafter)
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%
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


  • Enjoy a long-term balance transfer offer of 3% p.a. for 36 months.
  • Take advantage of a $0 annual fee for the first year.
  • For a limited time, St.George has chosen to waive the Qantas Frequent Flyer membership joining fee for it's Amplify Rewards customers.


  • If your account is in arrears for two consecutive statement periods, points will not be earned on purchases.
  • Up to 55 days interest-free will not apply until you have paid off any amount owning under a balance transfer in full.
  • Balance transfers are not accepted from personal loans or overdrafts.
Rewards ProgramAmplify Rewards / Qantas Frequent Flyer
Rewards Points per $ spent (VISA/MC)0.5
Rewards Points per $ (VISA/MC) CapUncapped

Benefits of the St.George Amplify Card

St.George Amplify Card has a wide-ranging benefits program. Some of the main benefits of this card are:

  • Rewards program. Customers can earn 1 Amplify Point for every dollar spent on eligible purchases. These points are uncapped and never expire. A faster rate of earning points is possible by choosing Amplify Rewards Bonus Partners. Alternatively, customers can choose to earn 0.5 Qantas Points per $1 spent with their complimentary Qantas Frequent Flyer membership.
  • Waived first year annual fee. When you apply and are approved before 26 September 2018, the first year's annual fee will be waived, saving you $79.
  • Balance transfer offer. A long 3% p.a. for 36 months balance transfer is available if you apply and get approved before 26 September 2018. After the promotional period expires, the variable cash advance rate applies to any remaining balance.
  • Additional card. Customers can also receive an additional card at no extra cost.
  • Interest-free days. The card provides up to 55 interest-free days which can help in keeping the interest costs to a minimum.

Features of the St.George Amplify Card

Some of the main features of this card are:

  • Annual fee. The St.George Amplify card attracts an annual fee of $79.
  • Visa payWave. Customers can take benefit of payWave technology from Visa which allows customers to ditch the PIN or signature to make contactless purchases up to $100.
  • Card replacement. Customers are charged $15 to replace the card in Australia, $45 in case it is an urgent request. For overseas cards, the replacement fee is $52.50.
  • Interest rate on purchases. This card charges an interest rate of 19.49% p.a. on purchases.
  • Interest rate on cash advances. Interest rate on cash advances is 20.24% p.a.
  • Foreign transaction fee. A foreign currency conversion fee of 3% is charged on the card.

How to apply for the St.George Amplify Card

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

  • Customers must be at least 18 years of age.
  • Applicant must be an Australian citizen or permanent Australian resident. This card is not available for temporary residents.

Required documents

  • Applicants need to provide driver’s license.
  • 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 Card is an ideal card for customers looking for the benefits of a rewards program. The rewards program allows cardholders to earn points while enjoying a low annual fee. The rewards points aren’t capped or limited by an expiry, allowing cardholders to accumulate and save their points at their leisure.

Frequently asked questions

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    30 Responses

    1. Default Gravatar
      jeffApril 20, 2017

      how long does the application process take.
      the last part said to send documents thru via fax or email
      but did not actually list any documents required. so I assume verification can be done without this process.
      just wondering the time frame from application to approval.


      • finder Customer Care
        LouApril 20, 2017Staff

        Hi Jeff,

        Thanks for your question.

        The application process for St. George Amplify Card takes approximately 10 minutes, after which, you should be able to receive a conditional approval or declined result. The actual processing of your documents usually takes 3 – 5 business days. Once you are approved, they will send out your new Credit Card withing about 5 – 7 days.


    2. Default Gravatar
      MarkieFebruary 27, 2016

      Hi, this card looks good, can I be clear on how the balance transfer works?

      1. I’ve seen with some cards when you do a balance transfer then the interest free period doesn’t apply on new purchases, is this right?

      2. If yes to 1 above, if I pay off new purchases as incurred, will this negate the interest or do these payments get applied to the balance transfer first or something like that?

      3. Are there are costs in paying off the balance transfer early?


      • finder Customer Care
        JonathanFebruary 29, 2016Staff

        Hi Markie, thanks for your inquiry!

        1. That is correct. When you have an outstanding balance from month to month (like a balance transfer) you will not receive any interest-free days on purchases. A way around this is to apply for a credit card with both 0% purchases and 0% balance transfer. If you repay your purchases on the same day before close of business then this will negate the interest charges. There are no costs in paying off your balance transfer early as it is in your best interest to repay your debt sooner.



    3. Default Gravatar
      March 31, 2015

      I am already a qantas frequent flyer member and use my points regularly for overseas flights. am looking at changing cards as previous card have decreased their $ v’s points earned.
      Looking at St George Amplify Signature. Confused as to difference between Amplify Rewards 1 point for $1 and Amplify Qantas 0.75 point for $1.
      I read you get Amplify Travel (domestic and international travel on major airlines). Why would one do Amplify Qantas if Amplify Travel available with Amplify Rewards?

      • finder Customer Care
        JonathanApril 1, 2015Staff

        Hi Kathy, thanks for your inquiry!

        For the St. George Amplify card you can choose between the Amplify Rewards program or Amplify Qantas program for earning points. As a result the earnings rate is different depending on the program.



      • Default Gravatar
        KarenAugust 24, 2015

        So if I already have a Qantas freq Fly account and I choose the Amplify Rewards Points you can by tickets on Jetstar or Qantas flights is that correct. St.George Amplify Card is $79 per year annual fee and you get 1 point for every $$ spent?

      • finder Customer Care
        JonathanAugust 24, 2015Staff

        Hi Karen, thanks for your inquiry!

        That is correct, Amplify Rewards points can be redeemed for Jetstar, Virgin Australia and Qantas flights. The earnings rate is 1 point for every $1 spent on eligible purchases. Eligible purchases exclude fees, cash, cash equivalent transactions, refunds or balance transfers debited from the card account.



    4. Default Gravatar
      AdamMarch 28, 2015

      Can you tell me what the minimum income required, for a credit card , currently is.
      I am in receipt of the aged pension, full rate, and have a small private income from dividends.
      I am looking for a credit card which offers a limit of um to $5000.00 preferably, but would consider a lower limit
      Any suggestions of other card issuers I might consider contacting, if you are unable to assist, would be appreciated

      • finder Customer Care
        JonathanMarch 30, 2015Staff

        Hi Adam,

        The minimum income requirement for this card is $25,000 with a minimum credit limit of $1000 and a maximum of $25000. Please note that credit limits are subject to the lender’s application requirements and approval. Please see the following link for more Rewards Credit Cards.



    5. Default Gravatar
      joeMarch 27, 2015

      is there a limit on the number of frequent flyer point you can earn?

      • finder Customer Care
        JonathanMarch 27, 2015Staff

        Hi Joe, thanks for your inquiry!

        There is no points cap on this credit card.



    6. Default Gravatar
      StaceyFebruary 18, 2015

      Hi. What is an ‘eligible purchase’ consist of? I am looking at the best credit card for me to earn the most Qantas frequent points.

      • finder Customer Care
        JonathanFebruary 18, 2015Staff

        Hi Stacey, thanks for your inquiry!

        Eligible purchases do not include fees, cash, cash equivalent transactions, refunds or balance transfers debited from the card account. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. In order to be eligible customers must have been charged the standard annual fee. Please see this page for a list of cards that provide Qantas Frequent Flyers Points.



    7. Default Gravatar
      andreaJanuary 25, 2015

      Can you earn points if you set up a direct debit from the credit card for purchases

      • finder Customer Care
        ElizabethJanuary 28, 2015Staff

        Hi Andrea,

        Thanks for your question.

        You’ll be able to earn Amplify points for these purchases if the third party who is accepting the payments accepts credit card payments. If they don’t accept credit card payments then this transaction will be considered a cash advance and will not be eligible to earn points.

        I hope this has helped.



    8. Default Gravatar
      AngusAugust 5, 2014

      Hi I’m interested in the free Qantas frequent flyer membership advertised here for the St George Amplify Classic card but when I spoke to St George they weren’t aware of this – this offer isn’t on their website.
      Can you please confirm this offer is still valid?
      Also, I’d like to know if free QFF membership is also available for the St George Amplify Platinum card. Thanks.

      • finder Customer Care
        ShirleyAugust 6, 2014Staff

        Hi Angus,

        Thank you for pointing this out to us.

        Just to confirm, there is no complimentary Qantas membership with this card. I’ve updated the copy to reflect this. We apologise for any inconvenience it may have caused.

        The Amplify Platinum Card doesn’t offer complimentary membership either.

        If you’d like, you can see this page for a list of credit cards that offer complimentary Qantas ff membership.


    9. Default Gravatar
      DallasOctober 8, 2013

      Hi ive just switched over to Amplify Qantas rewards. Ive just had first payment deduced to redeem points? How long before points show up on my Frequent Flyer activity statement?

      • finder Customer Care
        JacobOctober 8, 2013Staff

        Hi Dallas.

        Thanks for your question.

        The following is taken from the Qantas website, ‘points will come across once a month and usually after the first statement period and after you have made the credit card payment.’

        I hope this helps.

    10. Default Gravatar
      ShannynAugust 3, 2013

      Can you get a credit card if you are on a centerlink income?

      • finder Customer Care
        ShirleyAugust 5, 2013Staff

        Hi Shannyn,

        Thanks for your comment.

        I’ve taken this from a previous comment above from Jacob – “It depends on the type of Centrelink payment you’re on. Generally speaking if you meet the minimum income requirement, then you will be successful in your application; however, if you’re on something like a Newstart payment, then your application will not be approved as Newstart payments are not permanent.”

        Hope this helps,

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