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St.George Amplify Business Rewards Credit Card
St.George Amplify Business Rewards Credit Card

St.George Credit Cards

St.George Amplify Business Rewards Credit Card

Updated 19 November 2019

Apply by 27 November 2019

Points Earn Rate (per $1 spent)

0.5

points

Qantas

Rewards Program

Qantas Frequent Flyer

Bonus Points

N/A

0 points over 12 months spend

My monthly card spend

Pros and cons

  • 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

  • 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. 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 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.

User reviews

St.George Amplify Business Rewards Credit Card ( based on 1 Creditcard.com.au user review )

83% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

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 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 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.

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
  • $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)

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

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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