St.George Amplify Card – Details and Application

Enjoy a 0% p.a. interest rate for 14 months on purchases and earn rewards points per $1 spent with the St.George Amplify card.

When you apply for the St.George Amplify by 23 January 2019, you will be eligible for a 0% p.a. interest rate for up to 14 months on purchases. Cardholders can also earn 1 Amplify Point per $1 spent on eligible purchases.

If you’re looking for more perks, platinum features, or additional rewards, check out our reviews of the St.George Amplify Platinum or Amplify Platinum - Qantas cards.

Product NameSt.George Amplify
Rewards ProgramAmplify Rewards
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 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.
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.
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%
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


  • Save with a 0% p.a. interest on purchases for the first 14 months.
  • Earn 1 Amplify Point per $1 spent on eligible purchases (uncapped).


  • After the introductory period ends, purchases attract the relatively high interest rate of 19.49% p.a. (variable)
Rewards ProgramAmplify Rewards
Rewards Points per $ spent (VISA/MC)1
Rewards Points per $ (VISA/MC) CapUncapped

Benefits of the St.George Amplify card

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

  • 0% p.a. for 14 months. Enjoy a 0% p.a. purchase interest rate for the first 14 months when you apply and get approved by 23 January 2019.
  • 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.
  • Additional card. Customers can also receive an additional card at no extra cost.

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.
  • Interest rate on purchases. This card charges an interest rate of 19.49% p.a. (variable) on purchases.
  • Interest rate on cash advances. Interest rate on cash advances is 20.24% p.a. (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 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

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

Frequently asked question

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32 Responses

  1. Default Gravatar
    GNNovember 29, 2018

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

    • finder Customer Care
      NikkiNovember 29, 2018Staff

      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.


  2. 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.


  3. 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.



  4. 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.



  5. 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.



  6. 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.



  7. 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.



  8. 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.



  9. 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.


  10. 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.

Credit Cards Comparison

Rates last updated December 14th, 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. Ends 16 December 2018
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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)
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Suncorp Clear Options Platinum Credit Card - Online Offer
20.74% p.a.
0% p.a. for 18 months
$49 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a 0% balance transfer offer and earn up to 60,000 Bonus Rewards Points. Plus, a discounted first year annual fee when you apply online.
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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