St.George Amplify Platinum Credit Card (Amplify) | Review & Apply

St.George Amplify Platinum Credit Card (Amplify Rewards)

What do you want this card for?
Save money
Earn points
Card features
balance transfer
purchase rate
annual fee
St.George Amplify Platinum Credit Card (Amplify Rewards)
Apply by 29 apr 20
4 reviews
St.George Amplify Platinum Credit Card (Amplify Rewards)
Receive a $400 e-gift card (terms and conditions apply).
0% p.a. for 6 months on Balance Transfers with 0% BT fee.
$99 p.a. annual fee.
Add to comparison
6 months
0% p.a.
then 21.49%
with a 0% fee
19.74% p.a.

Pros & cons

What's good?

What's not so good?

Receive a $400 e-gift card when you spend $3,000 on eligible purchases in 90 days from card approval. Exclusions apply.
Transfer your existing balance at 0% p.a. for 6 months on Balance Transfers with 0% BT fee.
$99 p.a. annual fee.
Avoid interest charges with your current card with the 0% Balance Transfer for 6 months with this card.
No cap on the number of points you can earn.
International travel insurance for trips up to 3 months for you and your family. The cover includes medical expenses, unexpected trip cancellation, and rental vehicle excess.
24/7 Visa Concierge service to help you make bookings.
For information about Qantas points earning rate of this card, please click here.
Not the best points earning ratio for each dollar you spend on domestic spending.
Overseas transactions get charged a 3% foreign transaction fee of the Australian dollar value.

• Joint applications are limited to branch and customer care only. Currently, the bank is not accepting balance transfer requests with joint applications.
• 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.

Disclaimer (2): Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

User reviews

4.0 out of 5.0 based on 4 reviews75% of reviewers would recommend this card

Rates and fees
Customer service

Reviews from users

Lowest interest rate for a rewards card

Reviewed and recommended by Narayan on 27 Apr 2017

I took this card on offer with no first year fees. The card is valuable, with a minimal interest rate for the first year. You can go for it if you want to earn rewards and save some money on interest. I found this to be the lowest interest rate card compared with any other rewards card in the market.

Rewards have been reduced

Reviewed and not recommended by Mark on 13 Jul 2016

This card was great. It came as part of my home loan package and had a great earn rate, but then it changed to 1/2 a point per dollar spent. It’s now no longer rewarding me for being loyal to my bank and I think I could get a better deal switching to a different bank.

Card is useful for frequent flyer points

Reviewed and recommended by Rob on 24 Jun 2016

This card has been useful for earning Qantas Frequent Flyer points and it has saved me money on travel insurance. The interest rate is only adequate and probably a bit on the high side. It’s very easy to use overseas and widely accepted. The card has a yearly fee as well for those looking to use it, so please look at all the obvious and hidden costs.

I'm very pleased with this card

Reviewed and recommended by Marion on 23 Dec 2014

Although my card doesn’t give me rewards this is compensated by having to pay no fees. I have this card with no fees for the life that I have it. I don’t know if the no fees I enjoy are the same for everyone, but I’m happy to have it.

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 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 transfers0% p.a.6 months0%80% of credit limit21.49% 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 Platinum Credit Card (Amplify Rewards) at the promotional balance transfer rate from:

  • Bank of Melbourne
  • Bank SA
  • St.George

Rates & fees

Promotional interest rates

Interest ratePeriodFeeLimitRevert rate
Balance transfers0% p.a.6 months0%80% of credit limit 21.49% p.a.
PurchasesN/AN/AN/AN/A N/A

Ongoing interest rates

Cash advances 1.79% 21.49% p.a.
Purchases 1.65% 19.74% p.a.


Annual fee
$99 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

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

Earning points with this card

Frequent flyer points
Overseas earn rate
1 pt per $1 spent
Points cap per month
Points cap per year
Points earned on ATO payments
Reward points
1 pt per $1 spent

Additional benefits

Airport lounge access
Complimentary flight voucher
Concierge service

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.
Youth Allowance is not 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.

Similar cards

More cards like this one

This card is listed in these comparisons

Protect your identity. Monitor your credit score for free.

Join more than 17,000 Australians and get your score today.
  1. Protect yourself from identity fraud
    Get alerted to large credit score drops.
  2. Know where you stand
    The banks know your score. Shouldn’t you too?
  3. Avoid a nasty surprise
    Before applying, check if your credit is good enough.
  4. Always with you
    Check online or download the app.
People are happy
Rated 4.8 out of 5 for customer satisfaction.
You may have seen us in
Compare these cards: