- Receive up to 120,000 bonus Amplify Points - 90,000 Amplify Points in year 1 if you spend $3k+ on eligible purchases within 90 days of new card approval and an extra 30,000 points if you keep your account open and continue to use the card for over 12 months.
- Discounted $99 annual fee in the first year, $124 thereafter. Available to new cards only
- Earn 1 point for every $1 spent on eligible purchases, uncapped
- Convert your Amplify Points to e-gift cards
- Up to 55 days interest-free on purchases
- One additional cardholder at no extra cost
- Complimentary extended warranty, and purchase protection for up to 4 months
- Complimentary International and Domestic Travel Insurance (including COVID-19 coverage effective 30 June 2022, T&Cs apply)
- Access to Visa’s Luxury Hotel Collection
- Eligible with Apple Pay, Google Pay, and Samsung Pay
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St.George Credit Cards
St.George Amplify Platinum Credit Card
Updated 23 April 2025
Receive up to 120,000 bonus Amplify Points - 90,000 Amplify Points in year 1 if you spend $3k+ on eligible purchases within 90 days of approval and an extra 30,000 points if you keep your card for more than 12 months. Save with a discounted $99 annual fee in the first year plus get up to 3 months of complimentary overseas travel insurance, and enjoy other handy features.
T&Cs apply.
Points Earn Rate (per $1 spent)
1 point
AmplifyRewards Program
Amplify Rewards
Bonus Points
90,000 pts pts
+ 30k pts after 12 months. T&Cs apply.
Pros and cons
- High variable interest rate on cash advances
- 3% foreign transaction fee
Creditcard.com.au review
Editor Review
St.George Amplify Platinum Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline 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.
If you are interested in earning Qantas points instead please see the St.George Amplify Platinum Credit Card with Qantas Rewards.
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 bonus Amplify Points offer. Currently, you will receive up to 120,000 bonus Amplify Points when you apply for a new St.George Amplify Platinum Credit Card - 90,000 Amplify Points in year 1 if you spend $3k+ on eligible purchases within 90 days of new card approval and get an additional 30,000 points if you keep your account open and continue to use the card for more than 12 months.
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.
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.
Whether you opt for the Amplify Rewards program or the Qantas Rewards program, 120,000 is a nice chunk of points to play with. For example, a $50 e-gift card from various merchants, including Harvey Norman, Woolworths, David Jones, and many others, is worth 11,100 Amplify Points. You can also get your hands on exciting merchandise such as the Apple Airpods Pro for 118,525 Amplify Points. Flights are available starting at 29,550 points and hotels at 27,800 points.
This card also offers a discounted annual fee in the first year. Instead of paying $124, you only pay $99. Yes - that's an additional $25 in savings!
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 cash advances attract a relatively high rate of interest, and there is a significant – but not ridiculous – annual fee to cover.
Also, just note that you won't be eligible for the bonus points offer if you currently hold or have held an Amplify, Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne, or BankSA in the last 12 months.
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.
Get your hands on the long list of insurance covers this card has to offer.
- International travel insurance for up to 3 months
- Overseas transit accident insurance
- Interstate flight inconvenience insurance
- Rental Vehicle Excess in Australia cover
- Purchase protection insurance for up to 4 months
- Extended warranty insurance
Be at ease while using your card as St.George provides more than enough ways to protect you from any frauds through its 24/7 fraud monitoring, Secure Online Shopping Service, and the St.George Fraud Money Back Guarantee.
Enjoy more offers and benefits from My Offers Hub and Visa Offers and Perks. Plus, add one additional cardholder at no extra cost.
Overall Rating
A very appealing rewards card with enticing bonus points offer, good earn rate over two rewards programs, and some handy platinum extras - all for a discounted $99 annual fee in the first year.
User reviews
Rates and fees
Interest rates
Purchase rate 20.99% p.a.
Cash advance rate 21.99% p.a.
Interest free period on purchases up to 55 days
Credit limits
Minimum credit limit $6,000
Maximum credit limit $80,000
Fees & repayments
Annual fee $124 p.a.
Additional cardholder fee $0 p.a.
Foreign transaction fee 3%
Minimum repayment 2% or $10, whichever is greater
Annual fee the first year $99
Cash advance fee 3%
Late payment fee $15
Rewards and points
Rewards program
Rewards Program
Amplify Rewards
Bonus points 90,000 pts points
Annual points cap uncapped
Bonus points spend criteria + 30k pts after 12 months. T&Cs apply.
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 Yes
Transit Accident Insurance Yes
Smartphone Screen Insurance No
Purchase Protection Insurance Yes
Extended Warranty Insurance Yes
Rental Vehicle Excess In Australia Insurance Yes
Extras
Travel insurance underwritten by Allianz Global Assistance
Eligible with Apple Pay, Google Pay and Samsung Pay
St.George Fraud Money Back Guarantee, 24/7 fraud monitoring, and Secure Online Shopping Service
Overview
St.George Amplify Platinum Credit Card
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
- Receive up to 120,000 bonus Amplify Points- 90,000 Amplify Points in year 1 if you spend $3k+ on eligible purchases within 90 days of new card approval and an extra 30,000 points if you keep your account open and continue to use the card for over 12 months.
- Discounted $99 annual fee in the first year, $124 thereafter. Available to new cards only
- Earn 1 point for every $1 spent on eligible purchases, uncapped
- Convert your Amplify Points to e-gift cards
- Complimentary international and domestic travel insurance covers
- Complimentary extended warranty and purchase protection for up to 4 months
- Access to Visa’s Luxury Hotel Collection
- Up to 55 days interest-free on purchases
- One additional cardholder at no extra cost
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Permanent resident in Australia/NZ OR; Non-resident or migrant that holds an acceptable Visa, with a minimum 1 year before expiry
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
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