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

St.George Amplify Platinum Credit Card (Qantas)

What do you want this card for?
Save money
Earn points
My monthly spend: 
Card features
Rewards program
Earn rate
Sign up bonus
Points earned
St.George Amplify Platinum Credit Card (Qantas)
Apply by 02 jun 20
St.George Amplify Platinum Credit Card (Qantas)
Up to 60,000 Qantas points. Conditions Apply.
No cap on the number of points you can earn.
Flexibility to choose the rewards programs that better suits you.
Add to comparison
Amplify Qantas
Amplify Qantas
0.5 pt
per $1 spent (QFF)
after spend criteria

Pros & cons

What's good?

What's not so good?

Earn up to 60,000 bonus Qantas Points when you spend $2,000 on eligible purchases within 90 days from card approval. Exclusions apply.
0% p.a. for 6 months on balance transfers. Reverts to cash advance rate.
Flexibility to choose the rewards programs that better suits you.
If you’re a newcomer to Qantas the $89.50 enrolment fee is FREE!
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 Amplify 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.

Our review

Our review of the St.George Amplify Platinum Credit Card (Qantas)Reviewed by Yvonne Taylor

Have card, will travel. But you need the right card for the travelling lifestyle.

Travelling, and travelling overseas in particular, is exactly what St. George is encouraging cardholders to do with its St. George Amplify Platinum Credit Card. For a start there’s a choice of rewards programs – Amplify or Qantas Frequent Flyer – with the potential to acquire frequent flyer points with four separate airlines. And there are first purchase bonus points on offer to get you flying sooner.

To follow this up there’s complimentary overseas travel insurance and transit accident insurance. And there are plenty of other benefits to tempt you to make this your card both for travelling and for when you’re spending closer to home.

Amplify Rewards or Qantas Frequent Flyer? The choice is yours.

Most rewards credit cards are branded to a single program: you choose a particular card because it offers a specific type of frequent flyer points (Qantas, Velocity, Emirates) or a single kind of proprietary rewards system operated by the card issuer (e.g. American Express Membership Rewards or flybuys). Some cards allow you to switch between frequent flyer points and their proprietary rewards points up to once a year. Very few cards allow you to switch programs as often as you like, but that’s exactly what you can do with this card.

Not planning any interstate or overseas holidays anytime soon? Then choose Amplify Rewards. Enjoy a flying getaway every year? Choose QFF points. When your situation changes, so can your rewards program, immediately. But points can’t be transferred from one program to the other, so you will have to leave them behind in their original points account and redeem them from there. Amplify points left behind in this way will expire within 90 days, so you’ll need to use them pretty quickly.

60,000 points

Recognising that it can be a long, hard slog to accumulate enough points for that first flight or retail redemption, St. George will boost your points account with 60,000 points – either Qantas or Amplify, your choice – if you can spend just $2,000 in the first 90 days of holding the card. That’s $667 per month, a manageable amount for anyone in the market for a platinum card.

60,000 points is more than enough for a one-way economy flight all the way to Los Angeles. Closer to home, they would fly you between Sydney and Melbourne six times, with 2,000 points left over.

Standard points earning rate for all your spending

The ongoing rate at which you will earn points for purchases is:

  • Amplify points – 1 pt per $1 spent (Amplify)
  • Qantas points – 0.5 pt per $1 spent (QFF)

This is not the best points earning rate on the market, but it’s reasonable given the card’s moderate annual fee and the other built-in benefits. If you want to earn points at a faster rate you’ll need to choose a more expensive card.

Unlike many if its competitors, this card has no monthly or annual cap on points, and they never expire as long as your points account stays open.

Earn Qantas points directly, or exchange Amplify points for other frequent flyer programs

This card brings you access to award flights on four airlines that between them cover most of the planet. You can choose to earn Qantas points directly by opting for Qantas Frequent Flyer as your rewards program, or you can choose Amplify Rewards points which can be exchanged for frequent flyer points with Virgin Australia, Singapore Airlines and Malaysian Airlines at the rate 2 Amplify points = 1 airline point.

Qantas Frequent Flyer joining fee waived

Recognising that Qantas Frequent Flyer’s $89.50 joining fee could deter customers from choosing the Qantas rewards program, St. George have arranged for the fee to be waived for new cardholders signing up to Qantas Frequent Flyer for the first time. So you can consider each scheme on its own merits without the disincentive of a fee.

Other ways to use your points

The two programs have a comparable range of other products available for points redemption. They include:

  • Hotel accommodation, tours and car hire
  • Retail gift cards
  • Movie tickets
  • Magazine subscriptions
  • Merchandise in an online catalogue
  • Charity donations
  • Points + Pay options if you don’t have quite enough points

So how do you decide which program to choose?

Since the two rewards programs are apparently so similar, how do you choose between them?

If your aim is to use points for domestic flights, or for long haul flights on routes covered by Qantas and its partner airlines, you’d be better off choosing the Qantas rewards program because you’ll need to spend less in order to earn the required points. But in most cases Amplify Rewards will be the best choice for almost any other kind of redemption because they have been priced at a lower points cost than the comparable Qantas redemption.

As an illustration of this point, consider the points cost of a $50 retail gift card. You’ll need 11,100 Amplify points or a minimum of 9,500 Qantas points to qualify. Qantas sounds cheaper, until you compare the spending required to earn those points: Amplify $11,100, Qantas $19,000. Case closed.

But remember, your decision is not set in stone. Once you have earned enough points for your desired reward in one scheme, you can switch to the other. And back again.

Complimentary insurance for the traveller and the shopper

There are yet more perks for the traveller, while the stay-at-home shopper is not forgotten, with four complimentary insurance policies:

  • International travel insurance: Use the card for at least $500 of your prepaid travel costs, and be covered for emergency medical expenses, luggage that is lost, stolen or damaged, rental vehicle insurance excess and unavoidable cancellation of travel plans.
  • Transit accident insurance: If you have a serious accident when travelling as a passenger in a train, bus plane or ferry while you are overseas, this policy provides cash compensation for the loss of a hand, foot or eyesight, or in the event of death. The fare must have been paid with the card.
  • Extended warranty insurance+ The manufacturer’s Australian warranty, on goods purchased with the card, is doubled up to a maximum of one additional year.
  • Purchase protection insurance: Provides 90-day cover against loss, theft or accidental damage, for all new goods purchased using the card.

Concierge service – another facility to help travellers

This card gives you access to the Visa Platinum concierge service.

A concierge service, for assistance with recommendations and bookings for entertaining and dining, can be useful even in your home town. But when you are travelling overseas it becomes a truly valuable amenity, unlocking local knowledge and providing vital assistance, especially if you don’t speak the language.

Pity about the 3% foreign transaction fee

After all these bonuses for the traveller, it’s unfortunate to see a 3% fee charged on foreign exchange transactions. Although this is a fairly typical credit card charge, a few cards do come with no surcharge on foreign currency transactions. It would be good news it this travel-oriented card was one of them, but it’s not.

$99 p.a. annual fee

The annual fee of $99 p.a. is a bargain if you use all the benefits.

Suppose, for example, you chose Amplify Rewards, and used the card to spend $1,850 per month. At the end of the year you could redeem your points for retail gift cards worth the same amount as the annual fee. Spend more, or make use of just one of the insurance policies, and you’re ahead. In fact, the total estimated annual value of the insurance policies is over $1,000.

Other cards with similar benefits

If you’re in the market for a Qantas Frequent Flyer credit card there are other options at this price or less, such as the ANZ Frequent Flyer Credit Card and the Qantas American Express Discovery Credit
Card. Check them all out on our Qantas page in our Features section.

The St. George Amplify Platinum Credit Card may suit you because . . .

  • You can see value in both Amplify Rewards and Qantas Frequent Flyer, and want to be able to switch at will between them
  • You can’t wait to get your hands on the 60,000 points
  • You travel overseas regularly and can make use of the complimentary travel insurance and concierge service
  • You don’t want a cap to restrict your points earning in any month where you make a major purchase
  • You want to avoid an American Express card because of lower acceptance rates and possible surcharges

Does any of this sound like you? Then this could be your card.

Disclaimer: 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.

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
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 (Qantas) 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
60,000 points
Reward points expiry
Never as long as you keep your account active
Rewards program
Amplify Qantas
Spend required for bonus points
$2,000 in 90 days

Earning points with this card

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

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: