• Choice of two fantastic rewards programs, on one rewards credit card.
• Amplify Rewards: Earn 1 Amplify point per $1 spent.
• Amplify Qantas: Earn 1 Qantas Frequent Flyer point per $2 spent on purchases.
• No additional fee to link your Amplify Card to either rewards program
• Up to 55 days interest free on purchases, provided the closing balance is paid in full by the statement due date each month.
• No points capping
• Additional card available (where there is a one primary account holder)
• Accepted at over 29 million locations worldwide, wherever you see the VISA logo.
• Read the terms and conditions

• Flexibility to choose the rewards programs that better suits you.
• If you’re a newcomer to Qantas the $82.50 enrolment fee is FREE!
• No cap on the number of points you can earn.
• Cheap 0.99% p.a. rate on balance transfers which lasts for 6 months.
• No bonus rewards points or QFF points offered for signing up.
• Not the best points earning ratio for each dollar you spend.

How does the St.George Amplify Credit Card compare for rates and fees against an average credit card? Based on the data from our website this credit card comparison scorecard shows:

		Purchase Rate	Cash Adv Rate	Annual Fee	Bal. Transfer Rate	Bal. Transfer Rate Period
	St.George Amplify Credit Card	18.74%	20.74%	$79	0.99%	6 months
	The Average Credit Card	17.15%	21.03%	$96	2.86%	7 months

With the St.George Amplify Credit Card you’ll get a choice between two fantastic rewards programs with no points capping. There is an additional card available, a great introductory balance transfer rate and no minimum income required so anyone can start earning points.

Pros

Convenience and flexibility are the two words that come to mind when looking at this card. You can pick the Rewards Program that suits you for one. With Amplify Rewards you can earn up to 1 point per $1 and redeem points on homewares, appliances, electronics, food and wines, experiences, gift cards and travel through Amplify Travel. Or if you link your card to Amplify Qantas, you’ll earn up to 1 Frequent Flyer point per $2 Frequent redeemable on flights and products on the Qantas online store. Other benefits include the convenience of shopping at over 29 million locations worldwide with Visa, a 55 day interest free period and a competitive interest rate.

Cons

The downside is the annual fee. You’ll have to make sure the card will save you more than what the fee is worth through points if it’s really going to be worth your while. There are cards out there with lower fees through which you can still earn good points.

Conclusion

The St.George Amplify Credit Card is a good card with plenty going for it. It’s available to both high and low income earners with no minimum income requirement but low income earners need to keep in mind that if their spending is low (as it should be if their income is low!), the points they earn may not get them very far, especially in light of the annual fee.