St.George Amplify Card – Details and Application

Information verified correct on April 30th, 2017
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St.George Amplify Card offers the best of both worlds with 0% p.a. introductory purchase and balance transfer rates and Amplify reward points.

This card comes with a balance transfer offer of 0% p.a. for 12 months, which gives you some breathing room when trying to consolidate an existing debt. Cardholders can also enjoy a rewards program by either earning 1 Amplify Point or 0.5 Qantas Points per $1 spent on eligible purchases. If you pay your balance in full each month, you can also make use of up to 55 interest-free days. If you want to make use of the balance transfer offer, you’ll need to get in quick before the offer ends on 1 May 2017.

Product NameSt.George Amplify Card
Rewards ProgramAmplify Rewards
Balance transfer rate (p.a.)0% p.a. for 12 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Purchase Rate (19.49% p.a.)
Balance Transfer Limit95% of available credit limit
Purchase rate (p.a.)0% p.a. for 6 months (reverts to 19.49% p.a.)
Offer end date1 May 2017
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.
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.
Minimum Monthly Repayment2% or $10, whichever is greater
Minimum Income$25,000
Card TypeVisa
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
Complimentary Travel InsuranceNo
Available To Temporary ResidentsNo
Joint ApplicationYes
Minimum Income$25,000
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
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.
Annual Fee$79 p.a.
Minimum Repayment2% or $10, whichever is greater
Late Payment Fee$15
Over Limit Fee$0
Cash Advance Fee2% of the value of the transaction or minimum charge of $2.50
Overseas Cash Advance Fee2%
Overseas Emergency Replacement$52.50
Overseas ATM Balance check$0
Overseas ATM Withdrawal Fee$5
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
Gambling Transactions AllowedYes
Gambling Transactions Interest RateCash Advance Rate
Additional Cardholder Fee$0 p.a.
Number of Additional Cardholders1
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes


  • There is a competitive balance transfer rate paying 0% p.a. for 12 months on balances transferred to the St.George Amplify Card.
  • This card also comes with a purchase offer of 0% p.a. for 6 months.
  • For a limited time. St.George has chosen to waive the Qantas Frequent Flyer membership joining fee for it's Amplify Rewards customers. There is a limit of one complimentary membership per new account.
  • Next time you have the itch to redeem your rewards points, they can be redeemed 24/7 through the Amplify Rewards Hotline.


  • 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 be accepted from personal loans or overdrafts.
Rewards ProgramAmplify Rewards
Rewards Points per $ (VISA/MC)1
Rewards Points per $ (AMEX)0
Rewards Points per $ (VISA/MC) CapUncapped
Rewards Points per $ (AMEX) CapN/A
Points ExpiryNever

St.George Amplify Card review

The St.George Amplify Card offers a complimentary membership to the Qantas Frequent Flyer program. This membership will come in handy when you’re earning Qantas Points on eligible purchases. If you apply by 1 May 2017, you could also take advantage of a balance transfer offer of 0% p.a. for 12 months and 0% p.a. for up to 6 months on purchases. The card comes with a $25,000 credit limit and doesn’t provide complimentary travel insurance, which could be a drawback for some cardholders.

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. These points can be used for booking tickets or redeeming merchandise such as gadgets or household items. Customers can also earn 0.5 Qantas Points with their complimentary Qantas Frequent Flyer membership.
    • Balance transfer. Customers are burdened by heavy interest cost with rates ranging from 20-25% p.a. These high interest rate debts can be transferred to this card which offers 0% p.a. for 12 months. The total savings can easily run in thousands of dollars.
    • 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.
    • Purchase rate. The card is offering 0% interest rate on purchases for up to 6 months. This offer is available until 1 May 2017.

Features of the St.George Amplify Card

Some of the main features of this card are:

  • 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. The 0% interest rate on purchases for the first 6 months reverts to 19.49% p.a. thereafter.
  • 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 twin benefits of a balance transfer option and a rewards program. The card comes with a balance transfer of 0% p.a. for the first 12 months and 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

I receive a full pension and some additional income from investments. Can I apply for this card?

This card has a minimum income requirement of $25,000. It provides a maximum credit limit of $25,000 which is subject to the individual circumstance of the applicant. So as long as your income meets this requirement, whether it be through the pension or another form of income, you should be able to apply.

I am currently with Citi and would like to transfer to this credit card. I already earn points on Qantas Frequent Flyer program. When I get this card, can I get my existing points transferred on this card?

Qantas Points are not linked to the credit card. When customers transfer from one card to another, the points remain within the earlier Qantas membership and hence can be used with the new card. You should be able to link the new card to Qantas Frequent Flyer program which will earn 0.5 points for every $1 spent on eligible purchases.

I have huge debt on other cards which has increased the interest burden. I am looking to eliminate my interest cost. Can I switch to this card to get low interest rate on balance transfer?

St.George Amplify Card provides balance transfer option at 0% p.a. for 12 months. This option is valid till 1 May 2017. However the maximum credit limit is $25,000 on this card, which might not be suitable for transferring higher debt. For higher limit balance transfer, visit this page.

Can I get any bonus points with purchases? What can the points be redeemed for?

The card has a number of National Bonus partners. Customers can visit the St.George Amplify store to get a complete view of the different partners and additional bonus earn rate. These points can be redeemed for a variety of offers from personal gadgets, household items to travel purchases.

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30 Responses to St.George Amplify Card – Details and Application

  1. 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.


    • Staff
      Anndy | 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.


  2. 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?


    • Staff
      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.



  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?

    • Staff
      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.



    • 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?

    • Staff
      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.



  4. 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

    • Staff
      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.



  5. Default Gravatar
    joe | March 27, 2015

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

    • Staff
      Jonathan | March 27, 2015

      Hi Joe, thanks for your inquiry!

      There is no points cap on this credit card.



  6. 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.

    • Staff
      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.



  7. Default Gravatar
    andrea | January 25, 2015

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

    • Staff
      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.



  8. 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.

    • Staff
      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.


  9. Default Gravatar
    Dallas | October 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?

    • Staff
      Jacob | October 8, 2013

      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
    Shannyn | August 3, 2013

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

    • Staff
      Shirley | August 5, 2013

      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,

Credit Cards Comparison

Rates last updated April 30th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first three months. Plus, save with a long-term balance transfer offer and a reduced annual fee in the first year.
20.74% p.a. 0% p.a. for 18 months with 1.5% balance transfer fee $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
NAB Premium Card
An introductory rate of 0% p.a. for 24 months on balance transfers combined with premium benefits such as travel insurance covers.
19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. Go to site More info

* 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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