St.George Amplify Platinum 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 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.

What we love...

As usual, it’s the headline act that gets all the attention. In this case, that’s this card’s 100,000 bonus Amplify Points offer. If you apply for the St.George Amplify Platinum Credit Card you receive 100,000 bonus Amplify Points when you spend $2,000 on eligible purchases in 90 days on your new Amplify Platinum card. Existing St.George, Bank of Melbourne and BankSA customers who currently hold an Amplify, Amplify Platinum or Amplify Signature credit card, or who have held one in the last 12 months and Westpac Group staff are not eligible for this offer. On top of this, if you need to move over an existing credit card debt, the St.George Amplify Platinum comes with 0% p.a. on balance transfers for 22 months.

Whether you opt for the Amplify Rewards program or the Qantas Rewards program, that’s always going to be a nice chunk of points to play with.

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 such as Virgin Australia’s Velocity, Malaysia Airlines’ Enrich and Singapore Airlines’ KrisFlyer.

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.

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 purchases and cash advances attract a relatively high rate of interest, and there is a significant – but not ridiculous – annual fee to cover.

To take advantage of the 100,000 bonus Amplify Points offer, you need to make the required $2,000 spend on eligible purchases in the first 90 days. There’s not much value in spending that amount of money if you don’t really need to, just to get the gift card in return.

Why should you choose this card?

The main reason for choosing this card is its rewards – and the 100,000 bonus Amplify Points plus 0% p.a. on balance transfers for 22 months. However, it does have some convenient platinum perks that you might find come in handy along the way.

These include a 24/7 concierge service, travel insurance on trips up to three months for you and your spouse and/or dependent children, extended warranty insurance on purchases, and one additional cardholder at no extra cost.

Overall Rating

A very appealing rewards card with a good earn rate over two rewards programs, 100,000 bonus Amplify Points plus 0% p.a. on balance transfers for 22 months offer and some handy platinum extras.