- 0% p.a. for 22 months on balance transfers requested at card application. 1.5% balance transfer fee applies. Reverts to cash advance rate.
- 0% p.a. on purchases for 7 months. Reverts to variable purchase rate.
- Earn 1 point for every dollar spent on eligible purchases
- Amplify Rewards points can be linked to Singapore Airlines or Malaysia Airlines
- Pay no annual fee first year. $99 annual card fee thereafter
- One additional cardholder at no extra cost
- Complimentary Overseas Travel Insurance for trips up to 3 months for you and your family
- Eligible with Apple Pay, Google Pay and Samsung Pay
Hi, I’m the site founder and I will personally answer your question within a business day.
St.George Credit Cards
St.George Amplify Platinum Credit Card
Updated 7 July 2020
For new cards only you can get 0% p.a. for 22 months on balance transfers requested at card application. 1.5% balance transfer fee applies. Reverts to cash advance rate. 0% p.a. on purchases for 7 months. Reverts to variable purchase rate. No annual fee first year. Earn 1 Amplify point per $1 spent on eligible purchases. Get up to 3 months complimentary overseas travel insurance.
T&Cs apply. Offer ends 30 September 2020
Purchase Rate (p.a)
0% p.a.
for 7 months. Reverts to 19.74% p.a.
Balance Transfer (p.a)
0% for 22 months 1.5% BT fee applies. reverts to 21.49% p.a.
Annual Fee (p.a)
$0 first year. Then $99 p.a.
Pros and cons
- 3% foreign transaction fee
Creditcard.com.au review
Editor Review
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 balance transfer and purchase offer. If you apply for the St.George Amplify Platinum Credit Card you can get 0% p.a. for 22 months on balance transfers requested at card application. 1.5% balance transfer fee applies. Reverts to cash advance rate. You also get 0% p.a. on purchases for 7 months. This reverts to the variable purchase rate after the promotional period ends.
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 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 after the promotional period ends, and there is a significant – but not ridiculous – annual fee to cover.
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.
These include 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, balance transfer offer and some handy platinum extras.
User reviews
Rates and fees
Interest rates
Purchase rate 19.74% p.a.
Introductory purchase rate 0% p.a. for 7 months
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 22 months
Balance transfer revert rate 21.49% p.a.
Balance transfer from personal loan No
Balance transfer fee 1.5% one off
Balance transfer limit 80% of approved credit limit
Banks you can't balance transfer from Bank of Melbourne, BankSA, St.George
Credit limits
Minimum credit limt $6,000
Maximum credit limit $80,000
Fees & repayments
Annual fee $99 p.a.
Additional card holder fee $0 p.a.
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 
Amplify Rewards
Bonus points N/A
Annual points cap uncapped
Bonus points spend criteria N/A
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 No
Transit Accident Insurance Yes
Smartphone Screen Insurance No
Purchase Protection Insurance Yes
Extended Warranty Insurance Yes
Rental Vehicle Excess In Australia Insurance No
Extras
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
- 0% p.a. for 22 months on balance transfers requested at card application. 1.5% balance transfer fee applies. Reverts to cash advance rate.
- 0% p.a. on purchases for 7 months. Reverts to variable purchase rate
- Up to 3 months overseas travel insurance for you and your spouse and/or dependent children
- No annual fee first year. $99 annual card fee thereafter
- Earn 1 point for every dollar spent on eligible purchases
- Amplify Rewards points can be linked to Singapore Airlines or Malaysia Airlines
- Up to 12 months extended warranty insurance
- One additional cardholder at no extra cost
- Eligible with Apple Pay, Google Pay and Samsung Pay.
Minimum criteria to apply for this card
Be over 18 years old
Good Credit and have not applied for multiple credit cards recently
Resident or citizen of Australia. Temporary residents are eligible.
Minimum income of $35,000 p.a.
You have your personal details ready to complete the online application
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.
Recently Asked Questions
Something you need to know about this card? Ask a our credit card expert a question.
Ask a question
peter
6 May 2020Roland
6 May 2020Nicholle
29 February 2020Roland
2 March 2020steve
21 February 2020Roland
24 February 2020Asel
17 January 2020Roland
17 January 2020stewart
15 January 2020Roland
15 January 2020Adele
22 July 2019Roland
23 July 2019Tim
18 July 2019Roland
20 July 2019Jun
19 April 2018Roland
20 April 2018Michael
23 June 2017Roland
26 June 2017sharon
8 December 2016Roland
9 December 2016Emily
4 December 2016Roland
5 December 2016Vincent
28 November 2016Roland
28 November 2016Dwight
25 October 2016Roland
26 October 2016Mic
11 October 2016Roland
13 October 2016Steven Sartain
6 October 2016Roland
6 October 2016Kristy
19 August 2016Roland
22 August 2016Anthony D'Souza
25 July 2016Roland
26 July 2016Paulette Watt
5 August 2015Roland
5 August 2015Michealsmith
23 July 2015Roland
23 July 2015