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On website
St.George Amplify Platinum Credit Card (Qantas)
Balance transfer
24 months at 0% p.a.
Purchase rate
19.49% p.a. ongoing
Annual fee
$99.00 for 1st year
Highlights
- Up to 70,000 bonus Qantas Points earned upon spending $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
- 0% p.a. interest for 24 months on balance transfers with a 1% balance transfer fee, which then reverts to the cash advance rate.
- Pay an annual fee of $99 for the first year ($124 thereafter).
- Earn 0.5 points per $1 spent (uncapped). Additionally, receive a complimentary Qantas membership fee, saving you $99.50!
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes
Eligibility
Joint Application Accepted
Yes
Minimum Age
18 years
Minimum Credit Rating
Below Average, Fair, Good, Very Good, Excellent
Minimum Income
N/A
Temporary Residents Accepted
Yes
Additional cardholders
Additional Cardholders
1
Additional Card Fee Ongoing
$0.00
Credit limits
Minimum Credit Limit
$6,000.00
Maximum Credit Limit
$80,000.00
Repayments
Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
2%
Balance transfers
Balance transfer offer
Balance Transfer Rate
0%
Balance Transfer Period
24 months
Balance Transfer Fee Percentage
1%
Balance transfer conditions
Balance Transfer From Personal Loan
No
Balance Transfer Limit Percentage
80%
Balance Transfer Revert Rate
21.49%
Rates, fees, charges
Cash advances
Cash Advance Rate
21.49% p.a.
Cash Advance Fee
N/A
Cash Advance Fee Percentage
3%
Cash Advance Fee Threshold
N/A
Purchases
Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
19.49% p.a.
Account fees
Annual Fee Initial Year
$99.00
Annual Fee Ongoing
$124.00
Dishonour Fee
N/A
Duplicate Statement Fee
N/A
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$15.00
Rewards
Rewards program basics
Rewards Program
Amplify Qantas
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
None
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
0.50
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
0.50
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
Yes
Cardholder's International Travel Insurance
Yes
Cardholder's Interstate Flight Inconvenience
Yes
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
Yes
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
Yes
Travel and lifestyle
Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
No
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The basics
- Additional cardholders. You can add one additional cardholder for free for this card. Note that you will be responsible for managing the account and making repayments.
- Digital wallets. This card supports Apple Pay, Google Pay, and Samsung Pay.
- Gambling transactions. St.George has blocked gambling-related purchases on the Amplify Platinum Credit Card.
Rewards and benefits
- Complimentary travel insurance. The St.George Amplify Platinum Credit Card (Qantas) provides cardholders with complimentary international travel insurance coverage. Eligibility criteria apply and the card must have been used to purchase eligible travel expenses prior to departure in order for the cover to be active.
- Concierge services. The St.George Amplify Platinum Credit Card (Qantas) does not include a concierge service.
- Rewards points. With the St.George Amplify Platinum Credit Card (Qantas), cardholders can earn 0.5 points per $1 spent on eligible purchases into the Qantas Rewards program.
- Sign-up bonus. St.George offers a signup bonus of 70,000 points when you spend $3000 on eligible purchases in the first 90 days.
Rates and fees
- Annual fee. The annual fee for this card is $99.
- Balance transfers. St.George Amplify Platinum Credit Card (Qantas) offers a balance transfer period of 24 months with 0% p.a. for the first 6 months, reverting to 21.49% p.a. thereafter and a 1% balance transfer fee applies to each balance transferred from non-St. George accounts at the time of the transaction. The maximum limit for balance transfers is 80%.
- Cash advances. Cash advances will attract a higher of 21.24% p.a. or Cash Advance Rate, with interest accruing immediately from the date of the cash advance transaction. You will be charged a one-off cash advance fee in addition to interest for any cash advances made with this card.
- Foreign exchange fee. Purchases made in a foreign currency online or while travelling overseas will incur a 3% foreign exchange fee.
- Interest-free period. The St.George Amplify Platinum Credit Card (Qantas) offers up to 55 days interest-free on purchases (except cash advances) when you pay your previous balance in full or make the minimum required payment.
- Purchases. The St.George Amplify Platinum Credit Card (Qantas) does not have any introductory offer on purchases. Purchases will incur interest at the rate of 19.49% p.a.
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