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100,000 Spend $2,000 within first 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 20 January 2020

Online Offer: Get 0% p.a. on balance transfers for 22 months plus 100,000 bonus Amplify Points when you spend $2,000 on eligible purchases within 90 days from card approval. Earn 1 Amplify point per $1 spent on eligible purchases. Get up to 3 months complimentary overseas travel insurance and 24x7 Visa Platinum Concierge Service.

T&Cs apply. Offer ends 31 March 2020

Purchase Rate (p.a)

19.74%

Balance Transfer (p.a)

0% for 22 months No BT fee. reverts to 21.49% p.a.

Annual Fee (p.a)

$99

$0 over 22 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 0% p.a. on balance transfers for 22 months
  • 100,000 bonus Amplify Points when you spend $2,000 on eligible purchases within 90 days from card approval
  • Earn 1 point for every dollar spent on eligible purchases
  • Amplify Rewards points can be linked to Virgin Australia, Singapore Airlines or Malaysia Airlines
  • $99 annual card fee
  • 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

  • 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. 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.

User reviews

St.George Amplify Platinum Credit Card ( based on 2 Creditcard.com.au user reviews )

58% rating based on 2 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 19.74% 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 22 months

Balance transfer revert rate 21.49% p.a.

Balance transfer from personal loan No

Balance transfer fee No fee

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%

Cash advance fee 2%

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 Spend $2,000 within first 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 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. on balance transfers for 22 months
  • 100,000 bonus Amplify Points when you spend $2,000 on eligible purchases within 90 days from card approval
  • Up to 3 months overseas travel insurance for you and your spouse and/or dependent children
  • $99 annual card fee
  • Earn 1 point for every dollar spent on eligible purchases
  • Amplify Rewards points can be linked to Virgin Australia, 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

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.

16 questions (showing the latest 10 Q&As)

Asel

Asel

17 January 2020
Hi, When the criteria says "Good Credit and have not applied for multiple credit cards recently", How do you define recent?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 January 2020
    Hi Asel, as a guide, I suggest you only apply for one credit item every 6 months. Applying for multiple credit items make you look credit hungry. Many banks will auto-decline applications if you apply for multiple cards in a short period.
stewart

stewart

15 January 2020
I can't find my address in your system. Is this card eligible to WA residents?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 January 2020
    Hi Stewart, yes, it should be valid for WA residents. I suggest that you call St George credit card customer service if you can not get through the online application form because of this. 1800 028 208
Adele

Adele

22 July 2019
Hi, I have applied for the StGeorge Amplify platinum card, but currently my application is 'pending review', what does this mean and how long should I expect to wait to get my new card? Also, is there a cut off date for the bonus points on this card - I can see one for the Qantas points but not for the amplify points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 July 2019
    Hi Adele, if you have supplied everything required. Then you should get a response in 3-5 days. St George are good at processing credit cards. Bonus points time limits will only start when you activate or when it is issued.
Tim

Tim

18 July 2019
With the Amplify Platinum Card which gives travel insurance for oversea travel, can you buy extra cover for pre-existing conditions? If so, how do you apply?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 July 2019
    Hi Tim, I assume it would depend no what pre-existing condition. I suggest you reach out to the insurer directly and see what they say. Their email address is for enquiries or claims travelclaims@allianz-assistance.com.au.
Jun

Jun

19 April 2018
What is Purchase Rate and Cash Advance Rate?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 April 2018
    Hi Jun, the cash rate is applied when you take money out of an ATM or going into the branch and request cash. The cash rate is also used typically on any balance amount that is not paid off in the intro period. The purchase rate is applied when you do not pull out cash but spend at stores and the alike (non cash).
Michael

Michael

23 June 2017
Can I have the points go to velocity frequent flyer (Virgin Australia) or have the transferred monthly
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 June 2017
    Hi Michael, you can transfer your Amplify points to Velocity. You can transfer the points automatically though there is a points fee cost for this. This is what I have been able to find. *For Velocity Auto-Redemption only, you will receive 1 Velocity Point for every 2 Amplify Points and a minimum balance of 2 Amplify Points is required before a transfer is made to Velocity. All transfer of points will occur on your statement date. Velocity Auto-Redemption is a variation to the Amplify Rewards Terms and Conditions and allows you to automatically convert your Amplify Points to Velocity Points for less than 3,000 Amplify Points
sharon

sharon

8 December 2016
How much do we spend on our holiday to get the free travel insurance?Per card holder... Thankyou,Sharon
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 December 2016
    To be eligible for this complimentary overseas travel insurance, before leaving Australia on an overseas journey, you must have a return overseas travel ticket, and need to have prepaid at least A$500 of your travel costs using your eligible card. Travel costs include: Return overseas travel tickets, Airport/departure taxes, Prepaid overseas accommodation, Prepaid overseas itinerary items.
Emily

Emily

4 December 2016
Can I transfer a loan to this credit card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 December 2016
    Hi Emily, no you cannot. Only Citi issued cards can accept non-Citi loan debt. Have a look at the Virgin Flyer card will 0% for 18 months on balance transfer.
Vincent

Vincent

28 November 2016
I don't have Qantas Frequent flyer membership. If I am approved for this credit card, could I get the joining fee waived?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 November 2016
    Hi Vincent, the Qantas joining fee is not waived with this card. Though it still is a great offer with nice points.
Dwight

Dwight

25 October 2016
Can I do three different cards on to this one. All would be balance transfer
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 October 2016
    Hi Dwight - you can transfer up to 3 non-St George issued cards to this offer. Best of luck with your application.
Mic

Mic

11 October 2016
Hey. With the $2,500 spend to get points does that also include balance transfers. Like $2,500 balance transfer.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 October 2016
    Hi Mic, no it doesn't, the $2,500 needs to be eligible purchases (non-balance transfer or cash advance).
Steven Sartain

Steven Sartain

6 October 2016
Is there a charge for additional cards?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 October 2016
    Hi Steven, $0 for an additional card holder.
Kristy

Kristy

19 August 2016
I am currently on Maternity leave. Would I be eligible to apply for a Balance transfer? I am currently receiving a government maternity payment (18weeks) but no payments from my employer since May? Will this be an issue regarding proof of income?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 August 2016
    Hi Kristy, you would need to make sure that you meet the minimum requirements for the offer. Therefore you have good credit, 35k minimum income, over 18 and an Australian permanent resident. Even if you do, then I am just not sure whether the fact you are not work now will impact the application. Maybe the bank could think that you will not go back to work. If you are keen, I would have a go at an application and see how it works out. Please let me know how you go and best of luck with your application.
Anthony D'Souza

Anthony D'Souza

25 July 2016
Who do I call to check on my FREQUENT FLYER POINTS. I would like to know how many points I have to-date and how I could transfer them to my daughter in Queensland Await your reply Regards Anthony
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    26 July 2016
    Hi Anthony, Frequent flyer points are part of the Qantas program. To check points and to make bookings you can login to https://www.qantas.com/fflyer/dyn/program/welcome. The St George Amplify has 2 points programs, you either earn Amplify points which can be converting into a range of goods or transferred to various airlines - https://amplify.stgeorge.com.au/ or you have opted in to earn Qantas points directly. I am not sure which program you are part of but give St George Credit Card customer service a call if you are unsure - 1800 028 208
Paulette Watt

Paulette Watt

5 August 2015
Please can you explain rewards system. Eg: Every time I spend $2000 I get a gift card or something. I am in the market for a new credit card but I won't be spending more than $2000 a month.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 August 2015
    Hi Paulette, with rewards card, the points are credited to your account, generally each month, based on the amount you have spent. If you are spending $2000 with this card a month, that will give you 2000 points. You can then redeem these points for rewards at any time based on the points you have. If you check out the rewards site - https://amplify.stgeorge.com.au/ - you can get a clear idea of what type of rewards you can get for your points. On your spend that is about 24,000 points a year. In some cases it may be best to look at a no annual fee rewards offering so that the annual fee doesn't get in the way of reducing the overall value of the points. There are other benefits of cards as well to take into account i you use travel insurance and the alike. Check out HSBC Platinum or some of the AMEX offerings for Qantas or Velocity if you like to fly Virgin or Qantas. Best of luck with your decision - reward cards are definitely a bit confusing with all the different programs available and what each offer. Hit me up with any further questions.
Michealsmith

Michealsmith

23 July 2015
What is balance transfer?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 July 2015
    Hi Mick - A balance transfer is when you currently have credit card, store card and/or loan debt, you move this to another bank and receive a special rate for a period of time. Check out our 2 minute video that gives a good general run through / explanation.

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