- Earn uncapped points with either Amplify Rewards or Amplify Qantas
- Amplify rewards: 2 Amplify Points per $1 spent on overseas spend, 1 Amplify Point per $1 spent on domestic spend, 0.5 Amplify Point on government payments
- Amplify Qantas: 1 Qantas Points per $1 spent on overseas spend, 0.5 Qantas Point per $1 spent on domestic spend, 0.25 Qantas Point on government payments
- Up to 55 interest free days on purchases
- $0 annual card fee for the first year ($89 thereafter)
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American Express Qantas Business Rewards Card
150,000 bonus Qantas points
*Min. spend criteria. T&Cs apply.
Pros and cons
- High interest rate on cash advances and purchases
Creditcard.com.au review
Editor Review
St.George Amplify Business Rewards Credit Card
Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. Ask Roland a Question about this card.
The St.George Amplify Business Rewards Credit Card
Getting more from your business spending can be a great feeling – and one of the easiest ways to enjoy that is with a business rewards card.
Currently offering $0 annual fee for the first year, the St.George Amplify Business Rewards Credit Card is a personal liability business credit card that rewards you for your business expenses, while offering some very handy features and extras. Is it the right choice for your business, though? Let’s find out.
What we love...
One of the first things we always look at when reviewing any credit card is its introductory offers. Happily, the St.George Amplify Business Rewards Credit Card has two offers that we find incredibly appealing. Both money-savers, these offers include $0 annual fee for the first year.
As for ongoing appeal, this card rewards its cardholders with the choice of two excellent rewards programs. If you opt for Amplify Qantas rewards, you could earn 1 point per $1 spent on overseas purchases, 0.5 points per $1 spent on purchases within Australia, and 0.25 points per $1 spent on government payments.
Points earned on this program can be redeemed for Classic Award flights on Qantas and its 35 partner airlines, for Qantas and Jetstar Any Seat Award flights, for Flight Upgrade Awards on eligible Qantas flights, or for more than 3,000 products, experiences and vouchers in the Qantas Store.
Alternatively, if you opt for the Amplify Rewards program, you could earn 2 points per $1 spent on overseas purchases, 1 point per $1 spent on purchases within Australia, and 0.5 points per $1 spent on government payments.
These points can be redeemed for domestic and international flights on a variety of major airlines, or for accommodation, holiday packages and car hire through Amplify Travel. Points can also be redeemed for appliances, gift cards, entertainment and more, or used within Malaysia Airlines' Enrich program and Singapore Airlines' KrisFlyer program.
What’s not so great...
Features and rewards very rarely come for free, so it’s important to consider how much you will pay for your business rewards card to enjoy all those lovely extras. With the St.George Amplify Business Rewards Credit Card, there is a relatively high rate of interest on cash advances and purchases to think about, which will be significant if you don’t clear your balance each month.
After the first year, the annual fee is pretty reasonable for a rewards card.
Why should you choose this card?
Still weighing up your options? Aside from its introductory offers and rewards program, the St.George Amplify Business Rewards Credit Card also has a number of enticing features to help sway your decision.
These include a range of complimentary insurances, in the form of transit accident insurance, business inconvenience insurance and unauthorised transaction insurance, as well as up to three additional cardholders, and simplified tax reporting, with expenses exported directly into MYOB or BAS, or downloaded to Excel.
Overall Rating
An appealing business rewards card that provides a range of handy features and the choice of two rewards programs, as well as $0 annual fee for the first year.
User reviews
Rates and fees
Interest rates
Purchase rate 19.49% p.a.
Cash advance rate 20.24% p.a.
Interest free period on purchases up to 55 days
Credit limits
Minimum credit limt N/A
Maximum credit limit $20,000
Fees & repayments
Annual fee $89 p.a.
Additional card holder fee Up to 3 at no extra cost
Foreign transaction fee 3%
Minimum repayment 2%
Annual fee the first year $0
Cash advance fee 2%
Late payment fee $15
Rewards and points
Rewards program
Rewards Program
Qantas Frequent Flyer
Bonus points N/A
Annual points cap uncapped
Bonus points spend criteria N/A
Earning points with this card
Qantas Rewards points 0.5 points per $1 spent
Points cap per month N/A
Overseas earn rate 1 point per $1 spent
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance Yes
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Extras
Business Inconvenience Insurance
Unauthorised Transaction Insurance
Overview
St.George Amplify Business Rewards Credit Card
St. George Amplify Business Credit Card has a current special offer of no annual fee for the first year. Earn uncapped points on business purchases including double points on international spending. Enjoy the flexibility of adding up to 3 additional cardholders.
Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.
Key features
- Earn uncapped points with either Amplify Rewards or Amplify Qantas
- Amplify rewards: 2 Amplify Points per $1 spent on overseas spend, 1 Amplify Point per $1 spent on domestic spend, 0.5 Amplify Point on government payments
- Amplify Qantas: 1 Qantas Points per $1 spent on overseas spend, 0.5 Qantas Point per $1 spent on domestic spend, 0.25 Qantas Point on government payments
- 19.49% p.a. (variable) on purchases
- 20.24% p.a. (variable) on cash advances
- Up to 55 interest free days on purchases
- $0 annual card fee for the first year ($89 thereafter)
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Australian permanent resident
You have your personal details ready to complete the online application
Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.
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