St.George Amplify Platinum Credit Card – Qantas

Pauline Hatch

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The St.George Amplify Platinum Credit Card - Qantas

Offering 75,000 bonus Qantas Points plus discounted first year annual fee, the St.George Amplify Platinum Credit Card is a great find. Providing cardholders an earn rate of 0.5 Qantas Points on all eligible card spending at home and 0.75 points overseas, the card also offers a handy selection of features, including travel insurance and extended warranty insurance.

What we love...

Doing exactly what an introductory offer is supposed to do, that 75,000 bonus Qantas Points offer can’t help but catch the eye. All you need to do to be eligible is apply and be approved, and then use the card to spend $4,000 or more on eligible purchases within the first 90 days to get 75,000 Qantas points.

With that bonus points offer in your pocket, you could fly from Sydney to San Francisco by redeeming 41,900 Qantas Points. Alternatively, you could choose to use those points at the Qantas Store, redeeming 51,850 Qantas Points for a $250 JB Hi-Fi gift card, or 54,550 Qantas Points for a $250 Woolworths Group gift card.

It’s worth bearing in mind that this offer is not available to existing customers who currently hold an Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, or who have held one in the past 12 months.

As for everyday points earning, the St.George Amplify Platinum Credit Card allows you to earn 0.75 Qantas Points per $1 on international spend, 0.5 Qantas Points per $1 on everyday spend, and 0.35 Qantas Points per $1 spend on all other purchases.

After $5,000 spent on eligible purchases per statement period, you’ll continue earning at 0.2 points per $1. Keep in mind that no points are earned on purchases from or payments to a government or government-related agency, but you may earn extra points on purchases with Qantas Frequent Flyer Program partners. Here, you earn once with your card and once with the program partner.

With this St.George Amplify Platinum Credit Card, you are choosing to earn on the Qantas Frequent Flyer program. This allows you to earn more points on Qantas purchases while enjoying rewards such as flights and upgrades with Qantas and its partner airlines, and more than 3,000 products, experiences and vouchers from Qantas Store.

What’s not so great...

As with most rewards cards, the St.George Amplify Platinum Credit Card has a relatively high rate of interest on cash advances. However, you can stop this from becoming an issue as long as you avoid cash advances, and clear your balance by the due date each statement period.

As of July 2023, St.George has introduced an annual $75 Qantas Rewards fee if you earn Qantas Points through the Amplify Qantas rewards program.

Some cardholders may not be overly impressed with the card’s earn rate. For a reasonable standard annual fee of $175, cardholders of the St.George Amplify Card enjoy the same earn rate but that entry-level card does not have the 75,000 bonus Qantas Points offer or the insurance covers that this card has. So if these features are important to you, the Platinum edition may be the best option.

Why should you choose this card?

If you want to earn rewards on Qantas purchases and everyday spending, the St.George Amplify Platinum Credit Card could be a great choice. It offers a decent points earn, with the ability to earn points faster day-to-day, with one additional cardholder at no extra cost.

On top of that, you can benefit from complimentary travel insurance and extended warranty insurance, covering items purchased on the card up to 12 months past the standard manufacturer's warranty.

With the card’s travel insurance, you, your spouse and dependent children are provided cover on trips up to three months, as long you’ve spent at least $500 on each traveller’s travel costs, and you have a return travel ticket before leaving Australia. Cover provided included unlimited medical cover, loss or damage to personal property up to a maximum $20,000 for a family, plus travel cancellation cover, rental vehicle excess up to $5,000, and more.

Overall Rating

A handy rewards card that allows you to earn Qantas Points on Qantas purchases and everyday spending, the St.George Amplify Platinum Credit Card really sets itself apart with its 75,000 bonus Qantas Points and its complimentary insurance covers.