Ask Roland a Question

Hi, I’m the site founder and I will personally answer your question within a business day.

By submitting this question you agree to our privacy policy.

N/A
St.George Amplify Platinum Credit Card
St.George Amplify Platinum Credit Card

St.George Credit Cards

St.George Amplify Platinum Credit Card

Updated 1 October 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 9 February 2021

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% balance transfer fee applies.
Reverts to 21.49% p.a.

Annual Fee (p.a)

$0 first year. Then $99 p.a.

$0 over 22 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 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

  • 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 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

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.

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 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

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.

23 questions (showing the latest 10 Q&As)

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.

Featured Credit Cards

Citi Rewards Credit Card

7 reviews
$0 saved over 30 months

ANZ Low Rate Credit Card – 0% Balance Transfer

61 reviews
$0 saved over 22 months

Virgin Australia Velocity Flyer – 0% Balance Transfer

60 reviews
$0 saved over 22 months
Help us improve

By submitting this feedback you agree to our privacy policy.

My credit card is not listed

By submitting this form you agree to our privacy policy.