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

St.George Amplify Platinum Credit Card (Amplify)

What do you want this card for?
Save money
Earn points
Offer
Card features
balance transfer
purchase rate
annual fee
Apply
St.George Amplify Platinum Credit Card (Amplify)
Apply by 12 feb 20
4 reviews
St.George Amplify Platinum Credit Card (Amplify)
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.
ongoing
$99
ongoing

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.

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
Rewards
Customer service
Convenience
Trust

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
Single
Card tier
Platinum
Card type
Visa
Card use
Personal
Credit rating
Any
Gambling transactions allowed
No
Joint application
Yes
Minimum age
18 years old
Minimum income
N/A
Minimum income for pensioners
Same as standard
Pensioners
Rewards program
Amplify Rewards
Temporary residents
Yes

Cardholders

Additional cardholders
1
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
$6,000
Maximum credit limit
$80,000

Repayments

Interest charged from
Purchase date
Interest free period
Up to 55 days on purchases
Minimum repayment
2%

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
No
Balance transfer fee payment due
First statement
Balance transfer from personal loan
N/A
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
No

Banks you can't balance transfer from

You can't balance transfer to the St.George Amplify Platinum Credit Card (Amplify) 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

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

Fees

Annual fee
$99 p.a.
Cash advance fee
2%
Dishonour fee
$9
Duplicate statement fee
$2
Foreign exchange fee
3%
Late payment fee
$15
Over limit fee
N/A
Overseas ATM balance fee
$5
Overseas ATM withdrawal fee
$5
Overseas emergency card replacement fee
$52.50
Transaction verification fee
$0

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

Earning points with this card

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

Additional benefits

Airport lounge access
No
Complimentary flight voucher
No
Concierge service
Yes

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.

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