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St.George Amplify Card

Sally McMullen
Sally McMullen
Last updated:  

Enjoy up to 55 days interest-free on purchases and Qantas or Amplify Points with the St.George Amplify card.

Offering modest perks for a low annual fee, you could reduce your credit card costs while rewarding your spending with either Amplify or Qantas Points with the St.George Amplify card.

19.74% p.a.

Purchase rate

1

Reward point

Per $ spent

$79 p.a.

Annual fee

55 days

Interest free period

We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder .

Details

Product NameSt.George Amplify
Rewards programAmplify Rewards / Qantas Frequent Flyer
Purchase rate19.74% p.a.
Annual fee$79
Interest-free period55 days
Cash advance rate21.49% p.a.
Min credit limit$500
Max credit limit$80,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationYes - Conditions apply

Pros

  • 1 Amplify Point or 0.5 Qantas Points per $1 spent on eligible purchases (uncapped)
  • Up to 55 days interest-free on purchases

Cons

  • No travel perks like lounge passes or insurance
Rewards programAmplify Rewards / Qantas Frequent Flyer
Rewards points per $ spent1
Rewards points capUncapped
Annual fee$79
Minimum monthly repayment2% of the closing balance or $10, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%
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 a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The low annual fee and relatively high purchase interest rate make the St.George Amplify Card well-suited to new points collectors who don’t spend a lot on plastic and pay off their balance from month to month.

How to apply

You can apply for the St.George Amplify Card online in 10 minutes and receive a response within 60 seconds. Before you get started, check that you meet the eligibility requirements and have the necessary information to complete the application.

Eligibility criteria

  • Age. This card is only available to applicants who are at least 18 years old.
  • Residency. To apply online, you must be an Australian citizen or permanent resident.

Card benefits

  • Earn Amplify or Qantas Points. You can earn 1 Amplify Point or 0.5 Qantas Points for every dollar spent on eligible purchases. These points are uncapped and never expire. You can redeem your Amplify Points for products, gift vouchers and travel rewards from the online Amplify Rewards store. You can also exchange them for Velocity Points, Singapore Airlines KrisFlyer Miles or Malaysia Airlines Enrich Miles. Qantas Points can be redeemed for travel, merchandise and more through the Qantas Store and a higher earn rate is possible by choosing Rewards Bonus Partners.
  • Interest-free days. When you pay your monthly payment balance in full, which excludes current balance transfers, listed on your statement by the payment due date, you will receive up to 55 days interest-free on new purchases. Note that interest-free days are separate from any longer-term interest rate promotions.

Rates & fees

  • Annual fee. The St.George Amplify card comes at the cost of a $79 annual fee.
  • Purchase interest rate. This card charges an interest rate of 19.74% p.a. (variable) on purchases.

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34 Comments

  1. Default Gravatar
    Tim
    August 27, 2019

    Does this card have the ability to issue multiple cards say one for souse.

    Reply
    • Default Gravatar
      Nikki
      August 28, 2019

      Hi Tim,

      Thanks for getting in touch! Yes, this card allows of additional cardholders. You can request an additional card at no extra cost. The additional cardholder must be at least 16 years of age and the primary cardholder is responsible for any transactions made.

      Hope this helps!

      Best,
      Nikki

      Reply
  2. Default Gravatar
    GN
    November 29, 2018

    Is this card interest free on purchases for 14 months or 55 days?
    It seems to be misleading

    Reply
    • Default Gravatar
      Nikki
      November 29, 2018

      Hi GN,

      Thanks for getting in touch!The St. George Amplify Card offers a 0% interest for 14 months only. After the 14 months, you can then enjoy the 55 days interest free period if you pay your total amount due in full for the month. Hope this clarifies.

      Best,
      Nikki

      Reply
  3. Default Gravatar
    jeff
    April 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.
    thanks

    jeff

    Reply
    • Avatarfinder Customer Care
      Dee
      April 20, 2017

      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.

      Cheers,
      Anndy

      Reply
  4. Default Gravatar
    Markie
    February 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?

    Thanks

    Reply
    • Avatarfinder Customer Care
      Jonathan
      February 29, 2016

      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.

      Cheers,

      Jonathan

      Reply
  5. Default Gravatar
    Kathy
    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?

    Reply
    • Avatarfinder Customer Care
      Jonathan
      April 1, 2015

      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.

      Cheers,

      Jonathan

      Reply
    • Default Gravatar
      Karen
      August 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?

      Reply
    • Avatarfinder Customer Care
      Jonathan
      August 24, 2015

      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.

      Cheers,

      Jonathan

      Reply
  6. Default Gravatar
    Adam
    March 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

    Reply
    • Avatarfinder Customer Care
      Jonathan
      March 30, 2015

      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.

      Cheers,

      Jonathan

      Reply
  7. Default Gravatar
    joe
    March 27, 2015

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

    Reply
    • Avatarfinder Customer Care
      Jonathan
      March 27, 2015

      Hi Joe, thanks for your inquiry!

      There is no points cap on this credit card.

      Cheers,

      Jonathan

      Reply
  8. Default Gravatar
    Stacey
    February 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.

    Reply
    • Avatarfinder Customer Care
      Jonathan
      February 18, 2015

      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.

      Cheers,

      Jonathan

      Reply
  9. Default Gravatar
    andrea
    January 25, 2015

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

    Reply
    • Avatarfinder Customer Care
      Elizabeth
      January 28, 2015

      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.

      Thanks,

      Elizabeth

      Reply
  10. Default Gravatar
    Angus
    August 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.

    Reply
    • Avatarfinder Customer Care
      Shirley
      August 6, 2014

      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.

      Cheers,
      Shirley

      Reply
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