- Earn double points on international spending
- No annual fee first year - save $89
- $250 cashback to your account when you spend $3,000 on eligible purchases on your new Amplify Business card within 90 days from card approval
Pros
Earn double points on international spending
No annual fee first year - save $89
$250 cashback to your account when you spend $3,000 on eligible purchases on your new Amplify Business card within 90 days from card approval
Cons
High interest rate on cash advances and purchases
100% of customers who have rated this card would recommend it
| Interest Rates | |
| Purchase rate | 19.49% p.a. |
| Cash advance rate | 20.24% p.a. |
| Interest free on purchases | up to 55 days |
| Balance Transfer | |
| Credit limits | |
| Minimum credit limit | N/A |
| Maximum credit limit | $20,000 |
| Fees & repayments | |
| Annual fee | $89 p.a. |
| Annual fee first year | $0 |
| Additional cardholder fee | Up to 3 at no extra cost |
| Cash advance fee | 2% |
| Foreign transaction fee | 3% |
| Minimum repayment | 2% |
| Late payment fee | $15 |
| Credit card type | Visa |
| Rewards program | |
| Rewards program |  Qantas Frequent Flyer |
| Annual points cap | uncapped |
| Bonus points spend criteria | N/A |
| Earning points with this card | |
| Qantas points | 0.5 points per $1 spent |
| Overseas earn rate | 1 point per $1 spent |
| Points cap per month | N/A |
| Complimentary insurance | |
| Flight inconvenience insurance | No |
| Transport accident cover | Yes |
| Smartphone screen insurance | No |
| Purchase protection insurance | No |
| Extended warranty insurance | No |
| Rental vehicle excess cover | No |
| Extras | |
| Business Inconvenience Insurance | |
| Unauthorised Transaction Insurance |
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.
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 and $250 cashback when you spend $3,000 within first 90 days, 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, and $250 cash back when you spend $3,000 on eligible purchases on your new Amplify Business card within 90 days.
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 Virgin Australia's Velocity program, 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 and $250 cashback.
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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 and $250 cashback to your account when you spend $3,000 on eligible purchases on your new Amplify Business card within 90 days from card approval. Earn uncapped points on business purchases including double points on international spending. Enjoy the flexibility of adding up to 3 additional cardholders.
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
- $250 cashback to your account when you spend $3,000 on eligible purchases within 90 days from card approval
- 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)
- Be over 18 years old
- Good credit and not applied for multiple credit cards recently
- Australian permanent resident
- You have your personal details ready to complete the online application
