St.George Amplify Platinum – Qantas

This platinum rewards card offers 60,000 bonus Qantas Points and complimentary travel insurance, with a $99 annual fee.

The St.George Amplify Platinum gives you a way to earn 0.5 Qantas Points per $1 spent on eligible purchases and offers complimentary travel and purchase insurance options. While the earn rate isn't as high as some other Qantas Frequent Flyer credit cards, it is competitive with cards that have similar annual fees.

If you're a new cardholder, you can get extra value from the 60,000 bonus Qantas Points offer, which is available when you apply for the St.George Amplify Platinum card, get approved by 30 November 2021 and spend $3,000 within the first 90 days of card approval.

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Amy Bradney-George

Last Updated Jul 20, 2021

0% p.a.

Balance transfer rate

for 15 months with 1% balance transfer fee

60,000

Bonus points

19.74% p.a.

Purchase rate

0.5

Reward points

Per $ spent

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Details

Product Name	St.George Amplify Platinum - Qantas
Rewards program	Qantas Frequent Flyer
Balance transfer rate	0% p.a. for 15 months with 1% balance transfer fee
Balance transfer revert rate	Cash Advance Rate (21.49% p.a.)
Balance transfer limit	80% of available limit
Purchase rate	19.74% p.a.
Annual fee	$99
Interest-free period	Up to 55 days on purchases
Cash advance rate	21.49% p.a.
Min credit limit	$6,000
Max credit limit	$80,000
Card type	Visa
Foreign currency conversion fee	3%

Available to temporary residents	Yes - Conditions apply
Joint application	Yes - Conditions apply

Pros

60,000 bonus Qantas Points when you spend $3,000 on eligible purchases for the first 90 days from card approval
0% p.a. for 15 months on balance transfers
Uncapped rewards points on eligible purchases
Complimentary travel and purchase insurances

Cons

Charges a 1% balance transfer fee
Balances remaining at the end of the balance transfer period are subject to the high 21.49% p.a. cash advance rate
Earn rate of 0.5 Qantas Points per $1 spent is lower than some other platinum cards
Does not offer airport lounge passes

Rewards program	Qantas Frequent Flyer
Bonus points	60,000
Rewards points per $ spent	0.5

Annual fee	$99
Minimum monthly repayment	2% of the closing balance or $10, whichever is greater
Late payment fee	$15
Foreign currency conversion fee	3%
Cash advance fee	2% or $2.50, whichever is greater
Overseas cash advance fee	2% or $2.50, whichever is greater
Additional cardholder fee	$0
Number of additional cardholders	1

Go to St.George Bank's site More info

Review by

Amy Bradney-George

[email protected]

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The St.George Amplify Platinum - Qantas card's 60,000 bonus Qantas Points offer would give you enough points to fly return from Brisbane to Adelaide in business class (55,200 Qantas Points), with some to spare. Or it's enough for $275 worth of Woolworths WISH digital gift cards (56,790 points for 1 gift card worth $250 and 1 gift card worth $25).

This introductory offer also includes a 0% balance transfer if you're paying off existing debt. Unlike many other providers, St.George offers interest-free days on new purchases when you carry a balance transfer debt. This means that if you pay your monthly payment balance listed on your statement in full by the payment due date each month as well as the full balance transfer amount before the 15 months is over, you will not pay any interest on your credit card. But spending money when you’re paying off a balance transfer can make it harder to pay off before the 0% interest period ends – so think about prioritising any repayments over the temptation to spend and earn points.

The Amplify Platinum also rewards you with complimentary travel and purchase insurance covers and charges one of the most competitive annual fees in its category. If you prefer to earn Amplify Points for your spending, you could consider the St.George Amplify Platinum with Amplify rewards.

How to apply

You can apply for the St.George Amplify Platinum - Qantas card online in 10 minutes and receive a response instantly. Before you get started, check if you meet the eligibility criteria and organise the necessary information to complete the application.

Eligibility criteria

New customer. To be eligible for the promotion, you must apply for a new card and cannot hold or have held an Amplify Platinum or Amplify Signature issued by St.George, Bank of Melbourne or BankSA in the previous 12 months.
Residency. To apply, you must be an Australian citizen or permanent resident.

Eligible balance transfer debt. If you elect to transfer a balance, you can transfer from $200 up to 80% of your available credit limit from up to three Australian credit, store or charge card accounts not issued by St.George, Bank of Melbourne or BankSA.
Age. You must be at least 18 years old.

Required documents

Personal details. This includes your full name, date of birth, residential address, marital status and number of financial dependents.
Proof of identification. You'll need to provide copies of ID including your Australian driver's licence, Medicare card, Passport, Australian birth certificate or NSW photo card.
Finances. You can confirm your income with recent payslips or bank statements. You'll also need to list your assets, liabilities and expenses.
Employment. List your current place of employment and provide your employer's contact information.
Qantas Frequent Flyer number. To ensure your Qantas Points are credited to your account, you need to provide your Qantas Frequent Flyer membership number.
Balance transfer information. If you're transferring a balance(s), you'll need to provide the amount, account number and biller's code of the card(s) you're transferring from.

Go to St.George's site More info

Card benefits

Bonus points. New customers will receive 60,000 bonus Qantas Points when you apply and get approved by 30 November 2021 and spend $3,000 within the first 90 days of card approval. The bonus points will be added to your balance within 12 weeks after the spend criteria is met.
Balance transfer offer. New customers who apply by 30 November 2021 can pay down existing debt and save with a 0% p.a. interest rate for the first 15 months on balance transfers with a one-time 1% balance transfer fee. After the promotional period, any balance remaining will be charged at the variable cash advance rate, currently 21.49% p.a.

The Amplify Qantas Rewards Program. You'll collect 0.5 Qantas Points per $1 spent on eligible purchases both in Australia and overseas. This earn rate is uncapped, so your points earning potential isn't restricted each statement period.
Travel insurance covers. You can travel with peace of mind and save thanks to complimentary travel insurance covers when you use this card to pay for travel. The cover is valid for you, your spouse and any dependent children travelling with you for up to three months. These covers include transit accident insurance, interstate flight inconvenience insurance, overseas travel insurance, and rental vehicle excess insurance in Australia.
Purchase covers. When you use this card to make purchases, you'll receive complimentary purchase security insurance, price guarantee cover and extended warranty insurance.
Mobile payment technology. Enjoy making contactless payments straight from your compatible phone or device by adding this card to your Apple Pay, Samsung Pay or Google Pay wallet.
Fraud protection. Your account is protected by round-the-clock monitoring, so you'll be alerted immediately if the system detects any suspicious activity.

Rates & fees

Annual fee. This card charges an annual fee of $99.
Interest rate on purchases. Purchases on your platinum card will be charged at the variable interest rate of 19.74% p.a.

Interest-free period. You will receive up to 55 days interest-free on new purchases when you pay your monthly payment balance listed on your statement in full by the payment due date. Note that these interest-free days are separate from any longer-term interest rate promotions and the monthly payment balance excludes current balance transfers.
Cash advances. If you use your card to make a cash advance (such as an ATM withdrawal), the transaction will immediately attract the 21.49% p.a. interest rate. A fee of 2% or a minimum of $2.50 (capped at $150 per transaction) will apply.
Credit limits. While there is no guarantee you will be granted your requested amount, you can request a credit limit between $6,000 and $80,000.
Overseas spending. If you use your card to make a foreign transaction overseas or online with an international merchant, you’ll be charged a fee of 3% of the Australian dollar value.
Additional cards. You can add a family member to your account, with their own credit card to use and the ability to earn points for no additional cost.

Go to St.George's site More info

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6 Comments

Steven
February 20, 2020

Can you please confirm that this card has a 0% balance transfer fee?

Nikki
February 21, 2020

Hi Steven,

Thanks for your comment and I hope you are doing well.

This is to confirm that the balance transfer fee of the St. George Amplify Platinum is 0%. As seen above, take not that there are conditions to this 0% balance transfer fee.

– New customers only can avail of this promo
– One must apply by 31 March 2020
– the 0% interest rate is good for the first 22 months only on balance transfers with no balance transfer fee.

Note that after the promotional period, any balance remaining will be charged at the variable cash advance rate, currently 21.49% p.a.

I hope this helps and feel free to reach out to us again for further assistance.

Best,
Nikki

Adam
September 16, 2019

Do all complimentary credit card insurance require the flights to be purchased or could it be just associated costs like car rental and accommodation?

I am heading overseas and I am lucky enough to not need to pay for me flights but I still need to cover my expenses including accommodation etc.

Ash
September 17, 2019

Hi Adam,

Thank you for contacting Finder.

One of St. George’s credit card complimentary travel insurance eligibility requirements is that you must spend at least $500 using your St.George Credit Card for prepaid travel expenses such as car rental or flight booking.

I hope this helps.

Please do not hesitate to reach out again to us if you have additional questions.

Cheers,
Ash

Michelle
July 30, 2019

If I have this type of credit card before, will I be eligible to this promotional bonus frequent flyer points

Nikki
July 30, 2019

Hi Michelle,

Thanks for your question. As it says on the terms and conditions of this card, existing customers who currently hold an Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, or who have held one in the last 12 months, are not eligible for this offer.

Hope this helps!

Best,
Nikki

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St.George Amplify Platinum – Qantas