St.George Amplify Card – Details and Application

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

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

When you apply for this card by 2 October 2019, you can take advantage of a 0% p.a. interest rate on purchases for up to 14 months. You can also earn 1 Amplify Point or 0.5 Qantas Points per $1 spent on eligible purchases.

Product NameSt.George Amplify
Rewards ProgramAmplify Rewards / Qantas Frequent Flyer
Purchase rate (p.a.) 0% for 14 months, reverts to 19.74% p.a.
Offer end date2 October 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.)21.49% p.a.
Min credit limit
This is the lowest credit limit you can be granted. It is possible to request a higher credit limit but not a lower one than this figure.
Max credit limit
This is the maximum credit limit available on this card and you can apply for increases after the account has been opened. This credit limit may not be issued to you immediately upon application.
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Charged when you make a transaction that is converted by Visa 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)
Charged when you make a transaction that is converted by Visa 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


  • Save with a 0% p.a. interest on purchases for the first 14 months.
  • Earn 1 Amplify Point or 0.5 Qantas Points per $1 spent on eligible purchases (uncapped).


  • After the introductory period ends, purchases attract the relatively high interest rate of 19.74% p.a. (variable).
Rewards ProgramAmplify Rewards / Qantas Frequent Flyer
Rewards Points per $ spent (VISA/MC)1
Rewards Points per $ (VISA/MC) CapUncapped

Card benefits

  • 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 2 October 2019. At the end of the introductory period, any remaining purchases will collect the standard purchase interest rate.
  • 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. A faster rate of earning Amplify Points is possible by choosing Rewards Bonus Partners. 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.
  • Additional card. 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.

Rates, fees and other features

  • Annual fee. The St.George Amplify card attracts an annual fee of $79.
  • Purchase interest rate. This card charges an interest rate of 19.74% p.a. (variable) on purchases.
  • Cash advance interest rate. If you use your card to make a cash advance (such as an ATM withdrawal), you'll be charged the 21.49% p.a. cash advance variable interest rate. You'll also be charged the cash advance fee of 2% of the value of the transaction or minimum charge of $2.50 of the transaction amount.
  • Foreign transaction fee. A foreign currency conversion fee of 3% is charged for any purchases made with an international retailer.
  • Interest-free days. When you pay your balance in full by the statement due date, you can take advantage of up to 55 interest-free days on purchases.
  • Security. Your account is protected by a 24/7 fraud monitoring service.

How to apply for the St.George Amplify card

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. You must be a permanent Australian resident.

Documents and details to provide

  • Personal information. This includes your full name, date of birth, address and contact details.
  • Proof of identification. Applicants need to provide a driver's license, passport or Medicare card number.
  • Finances. You'll need to provide copies of your weekly after-tax income documents. You'll also need to provide information regarding financial commitments including liabilities and assets need to be provided.
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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

    • Avatarfinder 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.


    • Avatarfinder 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?


    • Avatarfinder 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
    KathyMarch 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?

    • Avatarfinder 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?

    • Avatarfinder 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

    • Avatarfinder 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?

    • Avatarfinder 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.

    • Avatarfinder 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

    • Avatarfinder 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.

    • Avatarfinder 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?

    • Avatarfinder 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 June 19th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
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 long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks. Ends 30 June 2019.
ME frank Credit Card
11.99% p.a.
$0 p.a.
Save money with an ongoing $0 annual fee, the same low 11.99% p.a. interest rate on purchases and cash advances, and up to 55 days interest free.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
0% p.a. for 18 months
$50 p.a.
Earn 20,000 bonus points and save with an ongoing $50 annual fee. Plus, get a $129 Virgin Australia Gift Voucher each year. Ends 30 June 2019.
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.
Qantas Premier Everyday
19.99% p.a.
0% p.a. for 12 months
$29 p.a. annual fee for the first year ($49 p.a. thereafter)
Get up to 42,000 bonus Qantas Points (7,000/month) when you spend $1,000/month for the first 6 months. Plus, complimentary insurance covers.

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* The credit card offers compared on this page are chosen from a range of credit cards 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.

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