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100,000 Min. $3,000 spend within 90 days
St.George Amplify Platinum Credit Card
St.George Amplify Platinum Credit Card

St.George Credit Cards

St.George Amplify Platinum Credit Card

Updated 28 February 2024

Receive 100,000 bonus Amplify Points (worth up to $450 in eGift cards) when you apply by 31 July 2024 and spend $3,000 on eligible purchases in the first 90 days from new card approval. Save with a discounted $49 annual fee in the first year plus move your credit card balance with 0% p.a. for 24 months on balance transfers, 1% balance transfer fee applies. Get up to 3 months of complimentary overseas travel insurance, and enjoy other handy features. T&Cs apply.

Points Earn Rate (per $1 spent)

1 point

Amplify

Rewards Program

Amplify Rewards

Bonus Points

100,000 pts

Min. $3,000 spend within 90 days

Pros and cons

  • Receive 100,000 bonus Amplify Points, worth up to $450 in eGift cards, when you apply and are approved for a new card, and spend at least $3,000 on eligible purchases within 90 days from card approval
  • 0% p.a. for 24 months on balance transfers requested at card application. 1% balance transfer fee applies. Reverts to cash advance rate. Available to new cards only
  • Discounted $49 annual fee in the first year, $124 thereafter. Available to new cards only
  • Earn 1 point for every $1 spent on eligible purchases, uncapped
  • Convert your Amplify Points to e-gift cards
  • Up to 55 days interest-free on purchases
  • One additional cardholder at no extra cost
  • Complimentary international and domestic travel insurance covers, extended warranty, and purchase protection for up to 4 months
  • Complimentary International and Domestic Travel Insurance (including COVID-19 coverage effective 30 June 2022, T&Cs apply)
  • Access to Visa’s Luxury Hotel Collection
  • Eligible with Apple Pay, Google Pay, and Samsung Pay

  • High variable interest rate on cash advances
  • 3% foreign transaction fee

Creditcard.com.au review

Editor Review

St.George Amplify Platinum Credit Card

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. about this card.

The St.George Amplify Platinum Credit Card

Do you love your credit card? While some cardholders put up with their card simply because it does the job, others love the various features and extras their card has to offer, saying thank you to their card every time it rewards them with a new travel adventure or some VIP treatment.

Providing some exceedingly pleasant platinum perks, the St.George Amplify Platinum Credit Card is a rewards card you could certainly learn to appreciate. With the opportunity to choose between two rewards programs – this is one platinum offering that we think is worth a closer look. If you want to earn Qantas points, click here to see the St.George Amplify Platinum Credit Card with Qantas Rewards.

Point calculations are accurate as of 21 February 2024 but may be subject to change without notice. All routes may have additional taxes and charges. Check on the official St.George page for the updated calculations.

What we love...

As usual, it’s the headline act that gets all the attention. In this case, that’s this card’s bonus Amplify Points offer. Currently, you will receive 100,000 bonus Amplify Points (worth up to $450 in eGift cards) when you apply for a new St.George Amplify Platinum Credit Card by 31 July 2024 and spend $3,000 on eligible purchases in the first 90 days from card approval.

As for your everyday earn rate, that will depend on which rewards program you opt for. If you choose the Qantas Rewards program, you could earn 0.5 Qantas Points per $1 spent on eligible purchases within Australia and overseas, with the opportunity to earn double points on purchases with Qantas Frequent Flyer Program partners.

On the other hand, if you opt for the Amplify Rewards program, you could earn 1 point per $1 spent, to be redeemed on gift cards, retail vouchers, and merchandise, or used on frequent flyer programs.

And points earned on the Qantas program? They can be redeemed within the Qantas Store on more than 3,000 products, experiences and vouchers, or used for flights and upgrades with Qantas or one of its 35 partner airlines.

Whether you opt for the Amplify Rewards program or the Qantas Rewards program, 100,000 is a nice chunk of points to play with. For example, a $50 e-gift card from various merchants, including Harvey Norman, Woolworths, David Jones, and many others, is worth 11,100 Amplify Points. You can also get your hands on exciting merchandise such as the Apple Airpods Pro for 118,525 Amplify Points. Flights are available starting at 29,550 points and hotels at 27,800 points.

As part of St.George Amplify Platinum Credit Card’s awesome intro offers, you can also enjoy 0% p.a. for 24 months on balance transfers requested at card application. A one-off 1% balance transfer fee applies and at the end of the intro period, the interest rate reverts to cash advance rate. You can transfer your existing credit card debt, and the long introductory period can help you avoid interest costs and pay off your bills more quickly.

The savings do not stop there. This card also offers a discounted annual fee in the first year. Instead of paying $124, you only pay $49. Yes - that's an additional $75 in savings!

What’s not so great...

In order to get the most out of a credit card, it pays to read the small print. With the St.George Amplify Platinum Credit Card, be aware that balance transfers and cash advances attract a relatively high rate of interest after the promotional period ends, and there is a significant – but not ridiculous – annual fee to cover.

Also, just note that you won't be eligible for the bonus points offer if you currently hold or have held an Amplify, Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne, or BankSA in the last 12 months.

Why should you choose this card?

The main reason for choosing this card is its introductory offers and Amplify Points earn. However, it does have some convenient platinum perks that you might find come in handy along the way.

Get your hands on the long list of insurance covers this card has to offer.

  • International travel insurance for up to 3 months
  • Overseas transit accident insurance
  • Interstate flight inconvenience insurance
  • Rental Vehicle Excess in Australia cover
  • Purchase protection insurance for up to 4 months
  • Extended warranty insurance

Be at ease while using your card as St.George provides more than enough ways to protect you from any frauds through its 24/7 fraud monitoring, Secure Online Shopping Service, and the St.George Fraud Money Back Guarantee.

Enjoy more offers and benefits from My Offers Hub and Visa Offers and Perks. Plus, add one additional cardholder at no extra cost.

Overall Rating

A very appealing rewards card with a good earn rate over two rewards programs, balance transfer offer, and some handy platinum extras - all for a discounted $49 annual fee in the first year.

User reviews

St.George Amplify Platinum Credit Card ( based on 4 Creditcard.com.au user reviews )

42% rating based on 4 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 19.49% p.a.

Cash advance rate 21.49% p.a.

Interest free period on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 24 months

Balance transfer revert rate 21.49% p.a.

Balance transfer from personal loan No

Balance transfer fee 1% one off

Balance transfer limit 80% of approved credit limit

Brands you can't balance transfer from Bank of Melbourne, BankSA, St.George

Credit limits

Minimum credit limit $6,000

Maximum credit limit $80,000

Fees & repayments

Annual fee $124 p.a.

Additional cardholder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment 2% or $10, whichever is greater

Annual fee the first year $49

Cash advance fee 3%

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Amplify Rewards Amplify Rewards

Bonus points 100,000 points

Annual points cap uncapped

Bonus points spend criteria Min. $3,000 spend within 90 days

Earning points with this card

Amplify Rewards points 1 point per $1 spent

Points cap per month N/A

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance Yes - up to 3 months

Flight Inconvenience Insurance Yes

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance Yes

Extras

St.George Fraud Money Back Guarantee, 24/7 fraud monitoring, and Secure Online Shopping Service

Eligible with Apple Pay, Google Pay and Samsung Pay

Overview

St.George Amplify Platinum Credit Card

If you are interested in earning Qantas points instead please see the St.George Amplify Platinum Credit Card with Qantas Rewards.

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

  • Receive 100,000 bonus Amplify Points, worth up to $450 in eGift cards, when you apply and are approved for a new card, and spend at least $3,000 on eligible purchases within 90 days from card approval
  • 0% p.a. for 24 months on balance transfers requested at card application. 1% balance transfer fee applies. Reverts to cash advance rate. Available to new cards only
  • Discounted $49 annual fee in the first year, $124 thereafter. Available to new cards only
  • Earn 1 point for every $1 spent on eligible purchases, uncapped
  • Convert your Amplify Points to e-gift cards
  • Complimentary international and domestic travel insurance covers
  • Complimentary extended warranty and purchase protection for up to 4 months
  • Access to Visa’s Luxury Hotel Collection
  • Up to 55 days interest-free on purchases
  • One additional cardholder at no extra cost

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Permanent resident in Australia/NZ OR; Non-resident or migrant that holds an acceptable Visa, with a minimum 1 year before expiry

  • You have your personal details ready to complete the online application

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask our credit card expert a question.

33 questions (showing the latest 10 Q&As)

GG

GG

17 January 2024
Good Day, I am about to apply for this credit card with a 6k minimum limit but have a few questions about eligible purchases to claim the first 100000 points with 3k+ spending. Could you please help me elaborate on eligible purchases? Are utility, phone, internet bills, and insurance counted as eligible purchases? What are considered non-eligible purchases? Thank you for your help.
    Pauline - CreditCard.com.au

    Pauline

    25 January 2024
    Hi GG, like any other bank, St.George doesn’t publish a list of what’s considered eligible. We get this question a lot of the time and it’s always tricky to answer. But “eligible transactions” are your usual day to day retail transactions like paying for your groceries, meals at your favourite restaurant, car’s petrol, etc. St.George however indicated that fees, cash equivalent transactions, government-related transactions, BPAY and the like are not considered eligible.
Brian Everingham

Brian Everingham

3 October 2023
Can i use my points for hotel accommodation?
    Pauline - CreditCard.com.au

    Pauline

    4 October 2023
    Hi Brian, good question! The Amplify Rewards site states that you can redeem your points for hotel accommodation with offers starting from 27,800 Points. You can access your Amplify Rewards Account via St.George website online or via their mobile banking app. Happy travels!
Sherri Ford

Sherri Ford

15 August 2022
Hi, I can't find how to redeem my amplify rewards points. where should I go?
    Pauline - CreditCard.com.au

    Pauline

    22 August 2022
    Hi Sherri, I’d be glad to help! You actually have 2 options to redeem your Amplify Points. You can logon to your St.George Mobile App, select the Rewards card you have and select Redeem my points option under Services then follow the prompts. Or you can give their Amplify Rewards Centre a call at 1300 489 586 for points redemption assistance.
credit card new application

credit card new application

22 July 2022
My name is Joby Joseph my contact number is 0428010137. Could you be able to call me back regarding for credit card.
    Pauline - CreditCard.com.au

    Pauline

    28 July 2022
    Hi Joby, you’ve actually reached Creditcard.com.au, Australia’s leading credit card comparison and information site. Please reach out to St.George directly at 13 33 30 for assistance.
helen

helen

16 July 2022
Hi I want to apply for the St george amplify platinum credit card. I am a contractor with an active ABN of 18months. Am I eligible? Thank you.
Karl

Karl

19 April 2022
Is there anywhere I can view all of the linked retailers that the e-gift cards can be used with? Listed site appears to be broken.
    Pauline - CreditCard.com.au

    Pauline

    20 April 2022
    Hi Karl, you actually need to login to your Amplify Rewards account (either via their official banking site or via their mobile app) to view all partner retailers. Some of these include David Jones, Myer, Harvey Norman and Bunnings. You’ll also be able to manage and redeem the points earned from there.
Peter

Peter

22 February 2022
Have just received my amplify platinum visa statement and nearly all my points about 15000 have now not displayed. Can you explain this. Have I lost them.
    Pauline - CreditCard.com.au

    Pauline

    23 February 2022
    Hi Peter, you reached Creditcard.com.au, Australia’s leading credit card comparison and information site. I suggest reaching out to St.George directly at 13 33 30 to check on your account with them.
Rita Incognito

Rita Incognito

2 January 2022
My husband is the main st George amplify cardholder and I hold the extra card. Am I eligible to apply for the st George amplify platinum cc as the main holder and make my husband the second card holder.
    Pauline - CreditCard.com.au

    Pauline

    6 January 2022
    Hi Rita, yes this is entirely possible. However, it would be best to check that you meet all the requirements for the new card before applying too. You’ll be responsible for paying for both you and your husband's debt accrued though.
Lourdes Mendoza

Lourdes Mendoza

20 November 2021
Can we use the points in Amazon on-line purchase?
    Pauline - CreditCard.com.au

    Pauline

    22 November 2021
    Hi Lourdes, unfortunately you can’t use Amplify Rewards online with Amazon at the point of sale. You can however transfer Amplify Rewards to a number of retailers in exchange for gift cards. Some outlets are Myer, Bunnings, JB Hifi and Harvey Norman. You can also redeem them for flight vouchers or to Velocity or Krisflyer as well as using them to buy retail goods like coffee machines, dashcams and robo-vacs! Hope this has helped
Josephkutty mulavana

Josephkutty mulavana

3 November 2020
Looking for a credit card with Zero percent on interest free on purchases and balance transfer
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 November 2020
    Hi Joseph, 2 interesting no annual fee cards have this offer. Both 0% for 12 months. Have a look at the Virgin No Annual Fee and the Coles No Annual Fee Offers. Hit me back if these do not suit. They are both issued through Citi. Therefore you can not transfer Citi debt.
Anthony

Anthony

15 September 2020
I have two current credit cards. one actually is a St George vertigo (but not this one) and the other is a ANZ Visa. Both have approx $3000 to be paid off on each. I am most interested in 0% transfer and (with this card travel insurance included. Is it possible to apply for a second card with the same bank and transfer and close the older account? Also can you transfer from two current cards to consolidate?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    16 September 2020
    Hi Anthony, a balance transfer must be between different banks. Therefore if you are looking to transfer both St.George and ANZ. Then you need to look outside of both these banks. Have a look at the HSBC Platinum Balance Transfer Offer. It has 0% for 22 months and no balance transfer fee. It can accept both ANZ and St George debt. You can transfer both cards in one balance transfer, subject to credit approval. The card does come with domestic and international travel insurance.
ANGELINE TANIWAN

ANGELINE TANIWAN

28 August 2020
Hi there again, do you reckon st george amplify platinum credit card would offer purchase protection? I am in dilemma in between st george amplify platinum or hsbc platinum qantas :( Looking forwards to your response.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 August 2020
    Hi Angeline, it doesn't have purchase protection. Though it does have extended warranty insurance on purchases of personal goods charged entirely to your eligible credit card for up to 12 months on the manufacturer's expressed Australian warranty. Both cards have merits. The HSBC Platinum Qantas would be of more interest for Qantas points earning.
AngryBird

AngryBird

7 August 2020
Totally a waste of time. Got emails and SMS that I was approved at the end of June, but never receive the card. I called customer centre a couple of times, and they just said I was approved. I even went to their branch 3 weeks ago, they examined my ID and said everything done. Today I made a call to customer centre again, they transferred me through 3 staffs, the first 2 said I was approved plz wait, finally the last staff said my application was closed, for no reason! How can I trust this bank?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 August 2020
    Sorry to hear this. Sounds like a poor customer experience. It can be challenging at times with credit card applications. Based on this, I would look at another bank.

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