St.George Amplify Credit Card

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St.George Amplify Credit Card
Apply by 26 sep 18
8 reviews
St.George Amplify Credit Card
3% p.a. for 36 months on balance transfers with no balance transfer fee.
$0 p.a. annual fee for the first year (save $79).
Earn points into either the Amplify Rewards program or Amplify Qantas program.
Add to comparison
Amplify QantasAmplify Rewards
Amplify Qantas or Amplify Rewards
0.5 pts
per $1 spent (QFF)

Pros & cons

What's good?

What's not so good?

3% p.a. for 36 months on balance transfers.
No balance transfer fee applies.
$0 p.a. annual fee for the first year (save $79).
Earn points into either the Amplify Rewards program or Amplify Qantas program.
Up to 55 days on purchases.
If you’re a newcomer to Qantas the $89.50 enrolment fee is FREE!
No cap on the number of points you can earn.
3% p.a. balance transfer rate on amounts transferred.
No credit card sign up bonus on offer currently.

Our review

Our review of the St.George Amplify Credit CardReviewed by Yvonne Taylor


The average person enjoys so much of it that it’s easy to forget that it can be a privilege rather than a right, especially when it comes to a choice of rewards program on a credit card. Very few credit cards come with this ability to pick and choose, but the fortunate holders of the St. George Amplify Credit Card can select from either St. George’s own Amplify Rewards program or the Qantas Frequent Flyer program. They can even change their minds and switch from one to the other as often as they like.

As well as loyalty points to be earned, there’s an introductory interest rate offer on balance transfers.

Choose Amplify Rewards and earn one point per dollar

If you choose to start with the Amplify Rewards program, every dollar you spend on purchases with the card will see one Amplify point credited to your rewards account. It may not sound like much (and you can earn rewards points faster by choosing a different Amplify card with a higher annual fee) but you don’t need to change your spending pattern to earn points. They will accumulate effortlessly, and before too long you’ll have enough points for a worthwhile redemption.

There’s no points cap, and points never expire under normal circumstances, so you can earn points as quickly or as slowly as you like.

Choose Qantas Frequent Flyer and earn 0.5 points per dollar

Opt for the Qantas program from the outset, or switch to Qantas points later, and you’ll earn 0.5 QFF points per dollar spent. Although this sounds like a worse deal, the fact is that in many circumstances a QFF point is much more valuable than an Amplify point. You can check this out in the comparison below.

If you are an existing QFF member, you will know that you can already earn QFF points by purchasing flights and upgrades from Qantas and Jetstar, whichever payment method you use. By using this card for your Qantas purchases, you will earn points twice once from Qantas and once from St. George.

And there’s some more good news if you are new to the Qantas Frequent Flyer program. Qantas Frequent Flyer normally charges a joining fee of $89.50, but St. George has arranged for its new cardholders to have the joining fee waived. That’s worth more than the card’s $79 p.a. annual fee in the first year.

A couple of caveats about switching programs

Although there is no financial cost or penalty involved when you switch from one loyalty program to the other, there are two things you need to be aware of when switching:

  • The points already earned in one program can’t be transferred to the other. Amplify points stay in your Amplify points account and Qantas points stay in your QFF account.
  • When switching from Amplify to Qantas, the Amplify points remaining in your account must be used within 90 days of the switch. If not used they will be forfeited. (Tip: If your remaining points don’t add up to a round number, choose a redemption requiring slightly more points than you have and pay the balance in cash using the Points + Pay option available with most redemptions.)

Plenty of ways to use Amplify Rewards points

There’s no shortage of ways to redeem the Amplify points you earn through your card. Here are some of the most popular:

  • Convert Amplify points to frequent flyer points with three airlines (Virgin Australia, Singapore Airlines and Malaysian Airlines) at the rate 1,000 Amplify points = 500 airline points.
  • Book domestic flights on any airline. E.g. Sydney to Melbourne economy on Qantas (from 30,240 points + tax), Virgin (24,570 points + tax) and Jetstar (to Melbourne Avalon, from 20,010 points + tax).
  • Book international flights on the world’s major airlines. E.g. economy from Sydney to London from around 140,000 points + tax.
  • Book hotel accommodation, starting at around 23,000 points for one night in a Melbourne CBD hotel.
  • Exchange points for gift cards to spend at retailers like David Jones, Myer, Bunnings, Harvey Norman, JB Hi-Fi and more, starting at 11,100 points for a $50 gift card.
  • Convert points into movie tickets, e.g. 13,475 points for a Hoyt’s Lux eGift Pass for two adults.
  • Swap points for a wide range of merchandise (homewares, technology, fashion &c), magazine subscriptions, wine, car hire and charity donations.

Just as many ways to use Qantas rewards points

Cardholders choosing Qantas points are probably more interested in award flights with Qantas, Jetstar and Oneworld alliance airlines, and they certainly get the best value for their points this way. But QFF points have just as many redemption options as Amplify Rewards do:

  • No need to convert points. Use directly with Qantas or Jetstar for award flights. E.g. Sydney to Melbourne economy on Qantas (8,000 points + tax) or Jetstar (to Melbourne Avalon, 6,400 points + tax).
  • Use Qantas points for international flights with Qantas and partner airlines. E.g. 60,000 points + tax for a Qantas economy flight from Sydney to London.
  • Book hotel accommodation, starting at around 16,000 points for one night in a Melbourne CBD hotel.
  • Redeem points for retail gift cards, e.g. 9,500 points for a $50 voucher.
  • Points for movie tickets: e.g. 15,460 points for a Hoyt’s Lux eGift Pass for two adults.
  • The usual range of 'department store’ merchandise is available from the Qantas online store, plus wine, car hire, Qantas insurance and Qantas Club membership.

Amplify or Qantas? A quick value comparison

For items where there are no variables (such as hotel room availability) to affect the number of points required, here’s a brief comparison of the amount you need to spend on your card to earn comparable rewards through Amplify and Qantas points:

  • Sydney to Melbourne economy on Qantas. Amplify $30,240, Qantas $16,000.
  • Sydney to Melbourne Avalon economy on Jetstar. Amplify $20,010, Qantas $12,800.
  • Sydney to London economy. Amplify $140,000, Qantas $120,000.
  • $50 retail gift card. Amplify $11,100, Qantas $19,000.
  • Hoyt’s Lux eGift Pass for two adults. Amplify $26,950, Qantas $30,920

Clearly, if you want to redeem your points for flights, stick to Qantas. For anything else, choose Amplify Rewards. And remember, you can switch from one to the other to maximise your points value.

36 months at 3% p.a. on balance transfers

Transfer a balance (or more than one) from an existing credit card (outside the St. George/Bank of Melbourne/BankSA group) and pay only 3% p.a. interest on it for a very long 36 months. Although this is not the familiar 0% interest offer, it is exceptionally long, and there’s no upfront balance transfer fee to pay.

If you are currently paying 20% p.a. or more on your unpaid balance, you could save some serious money. Compare these two situations:

  • On a $3,000 balance transferred at 0% for 18 months with a 2% upfront fee, you would save a net $813 in interest
  • On a $3,000 balance transferred at 3% p.a. for 36 months with no upfront fee, you would save $1,487 in interest

It’s clear that the longer introductory offer period is well worthwhile, even though there’s a small interest percentage to pay.

Little or no money to be earned on this balance transfer

For anyone not struggling with credit card debt, there’s money to be made on a 0% balance transfer, especially if you have a mortgage offset bank account. But in this case the interest rate is roughly equivalent to a savings bank deposit rate and only slightly lower than a mortgage offset account interest rate, so there’s little point in making a transfer in the hope of coming out ahead.

The balance transfer revert interest rate is the cash advance interest rate of 20.24% p.a. so diarise the interest-free period’s expiry date so that you can make full repayment and avoid paying high interest.

No interest-free days on purchases if you have a balance transfer

Having an unpaid balance transfer will effectively prevent you from using the card for purchases, because you’ll lose your normal ‘Up to 55 days on purchases’ and pay the ongoing purchase rate of 19.49% p.a. from the date of each transaction. Ouch! Use another card for purchases in this situation, until the transferred balance has been fully repaid.

Annual fee $79 p.a. free first year

It’s a sad fact that most rewards credit cards come with an annual fee attached: the higher the points earning rate, the higher the fee. In this case it’s a basic rewards card with a moderate points earning rate and no complimentary insurance policies, so the fee is moderate as well. And the good news is, there’s no annual fee at all to pay in the first 12 months.

Extra value comes from the fact that there’s no additional fee to pay in any year if you want a supplementary card for your partner or child.

Take a look at competitors

It’s always worthwhile to consider what competing cards are offering before you decide which card is best for you. If you want the same ability to swap between Qantas points and standard rewards points, your only other option (outside the St. George group) at a comparable price is the Westpac Altitude Credit Card.

However, if you’re committed to Qantas, the cheapest option is the Qantas American Express Discovery Card. The downside is that AmEx cards are not accepted everywhere, or may require a transaction surcharge.

If you want rewards, but don’t care too much about what brand they are, consider the Coles No Annual Fee Mastercard.

Why choose the St. George Amplify Credit Card?

Since it’s possible to get a rewards card without paying an annual fee, why would you choose the St. George Amplify Credit Card and pay $79 p.a. for the privilege after the first year?

You would choose it because $79 p.a. per year is possibly the lowest price you can expect to pay for a universally-accepted Visa card with, not just any old rewards scheme, but one that allows you to change at will between Qantas and Amplify points to get the best return for your credit card expenditure.

User reviews

3.8 out of 5.0 based on 8 reviews88% of reviewers would recommend this card

Rates and fees
Customer service

Reviews from users

Trusted brand, useful features

Reviewed and recommended by Katie on 06 Dec 2016

This card came with my Portfolio Loan, so is fee-free.

I like the payWave feature for transactions under $100. I trust the brand.

The rewards seem OK. There is a lot of choice.

Customer service is good. I have no complaints. The interest-free period is 55 days, so that’s excellent!

Good for a back up

Reviewed and recommended by Simon on 26 Aug 2016

I got this card as my first credit card. I wasn’t happy paying fees on it though, as it doesn’t offer the best rewards, like some others. So when I went to cancel, to get me to keep the card St George cancelled the fees, so it’s now the perfect card to use where only Visa is accepted.

Convenient standby card

Reviewed and recommended by Peter on 23 Aug 2016

It’s a good card to have in my wallet on standby when I am away overseas, in case i need to buy something special or need to get extra money to pay for items. It doubles as an ATM card for cash or as a credit card for paying for items while i am away.

Pleased with the rewards program

Reviewed and recommended by Klara on 05 Jul 2016

I do not generrally like credit cards. However, I do not mind this credit card as it is linked to the other banking cards I have and, therefore, I do have less fees. I like the rewards program, and like to shop online to purchase items. It is easy to use.

Great overall package

Reviewed and recommended by Michael on 14 Jun 2016

This card is great if you pay it off each month. A terrific way to access a disciplined approach to credit. The website and mobile app are secure, comprehensive, and easy to use. It allows viewing of balances, transactions, and makes it easy to access everyday banking functions. Have used this credit card for many years with no problems or complaints. You can also link the card to your Qantas Frequent Flyer account to earn points.

Good when it works

Reviewed and not recommended by Matt on 24 May 2016

I have had this card for about 4 years and the rewards are pretty good, particularly when travelling overseas. The big problem is when it doesn’t work. Their overzealous fraud team seems to block my card every month. I have never actually had a fraud carried out against this card.

All about the customer service

Reviewed and recommended by cindy on 11 Sep 2013

Very pleased with my card. We are impressed with the service we have had from St George bank. Staff very professional and helpful either when dealing with them over the phone or at a branch. This is compared with some other banks we tried when moving here. We would not change.

Part of our home loan package

Reviewed and recommended by Kelly on 21 Aug 2013

Our card is a part of our home package where we have no fees at a low interest rate as well. We have never had any problems as the provider that we are with are always very helpful and provide us with excellent service with any problem we may have or they just generally call to make sure everything is fine.

Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

The basics

About this card

Card setup
Card tier
Card type
Card use
Credit rating
Gambling transactions allowed
Joint application
Minimum age
18 years old
Minimum income
Minimum income for pensioners
Same as standard
Rewards program
Amplify Qantas or Amplify Rewards
Temporary residents


Additional cardholders
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
Maximum credit limit


Interest charged from
Purchase date
Interest free period
Up to 55 days on purchases
Minimum repayment

Balance transfers

The offer

Interest ratePeriodFeeLimitRevert rate
Balance transfers3% p.a.36 months0%80% of credit limit20.24% p.a.

Balance transfers to this card

Balance transfer earns rewards
Balance transfer fee payment due
First statement
Balance transfer from personal loan
Balance transfer processing time
10 - 14 days
Interest free days with unpaid balance
0 days
Maximum balance transfer
80% of credit limit
Available to existing customers

Banks you can't balance transfer from

You can't balance transfer to the St.George Amplify Credit Card at the promotional balance transfer rate from:

  • Bank of Melbourne
  • Bank SA
  • St.George

Rates & fees

Promotional interest rates

Interest ratePeriodFeeLimitRevert rate
Balance transfers3% p.a.36 months0%80% of credit limit 20.24% p.a.
PurchasesN/AN/AN/AN/A N/A

Ongoing interest rates

Cash advances 1.69% 20.24% p.a.
Purchases 1.62% 19.49% p.a.


Annual fee
$0 p.a.
Annual fee 2nd year
$79 p.a.
Cash advance fee
Dishonour fee
Duplicate statement fee
Foreign exchange fee
Late payment fee
Over limit fee
Overseas ATM balance fee
Overseas ATM withdrawal fee
Overseas emergency card replacement fee
Transaction verification fee

Rewards & points

Cool stuff you can get with your points

Disclaimer: Points required accurate as of the 31st March 2018.

Rewards program basics

Reward points expiry
Never as long as you keep your account active
Rewards program
Amplify Qantas or Amplify Rewards
Sign up bonus
Spend required for bonus points

Earning points with this card

Frequent flyer points
0.5 pts per $1 spent (QFF)
Overseas earn rate
Same as standard earn rate
Points cap per month
Points cap per year
Points earned on ATO payments
No pts per $1 spent
Reward points
1 pt per $1 spent (Amplify)

Additional benefits

Airport lounge access
Complimentary flight voucher
Concierge service


This card comes with benefits worth an estimated $18

TravelEstimated value
Waived Qantas Frequent Flyer joining fee
Valuation based on $89.50 Qantas Frequent Flyer joining fee spread over 5 years. Note that this benefit does not apply if cardholder chooses Amplify Rewards rather than Qantas Frequent Flyer points.
Total estimated value$18
Annual fee$0
Net customer value$18
Disclaimer: Details of who, what, and where coverage applies to, as well as its duration and any coverage limitations will be listed in the credit card insurance product disclosure statement (PDS) on the card issuer's website. The names/labels of complimentary insurance products may differ from one issuer to another. Terms and conditions apply. Always check the insurance PDS when considering a financial product. Accurate as of 31st October 2015.

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Earn a regular any weekly income
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Joint applications are allowed
Temporary residents are eligible
Age Pension, Disability Pension and Widower's Pension are acceptable.
Family Tax Benefits and Parenting Payments is acceptable.
Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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