St.George Amplify Classic
This product is available in different versions. Pick the right version for you here.
The details shown below are for a card with Amplify Rewards
The details shown below are for a card with Qantas Frequent Flyer
Choose the version of this credit card that suits you best
| Name | Rewards program | |
|---|---|---|
| | Amplify Classic (Amplify Rewards) | Amplify Rewards |
| | Amplify Classic (Qantas Frequent Flyer) | Qantas Frequent Flyer |
-
Amplify Classic (Amplify Rewards)
Rewards: Amplify Rewards
-
Amplify Classic (Qantas Frequent Flyer)
Rewards: Qantas Frequent Flyer
19.74% p.a.
0% p.a. for 14 months and then 21.49% p.a.
$79
Amplify Rewards
St.George Amplify Classic
19.74% p.a.
0% p.a. for 14 months and then 21.49% p.a.
$79
Amplify Rewards
St.George Amplify Classic
19.74% p.a.
0% p.a. for 14 months and then 21.49% p.a.
$79
Amplify Rewards
19.74% p.a.
0% p.a. for 14 months and then 21.49% p.a.
$79
Qantas Frequent Flyer
St.George Amplify Classic
19.74% p.a.
0% p.a. for 14 months and then 21.49% p.a.
$79
Qantas Frequent Flyer
St.George Amplify Classic
19.74% p.a.
0% p.a. for 14 months and then 21.49% p.a.
$79
Qantas Frequent Flyer
Mozo Review St.George Amplify Classic Review
Last updated: 9 April 2019.
What's hot:
Up to 55 interest free days
0% balance transfer rate for 14 months
What's not:
21.49% cash advance rate
Mozo snapshot:
If you’re after a rewards credit card, why not pick up the St.George Amplify Classic Credit Card? With this reward card, you’ll have a 19.74% purchase rate and a 21.49% cash advance rate. And what’s a reward card without any perks? The Amplify Classic Card has two different rewards schemes: the Qantas Frequent Flyer program for avid travellers or Amplify Rewards for spenders who want a little more flexibility in redemption options.
Key features:
The St.George Amplify Classic Credit Card is a rewards card that has the perks you want without the over the top fees. There are two rewards options with this card, and which one you choose will depend on what kind of freebies you’re after. The Qantas Frequent Flyer rewards scheme allows your points to be credited to the Qantas Frequent Flyer program, whereas the Amplify Rewards scheme will transfer your points into various airline programs, gift and shopping cards or other retail rewards. You’ll also be able to get flights via Velocity, Enrich or Krisflyer programs with the Amplify Rewards program.
One of the bigger differences between the two options are the points you’ll earn per dollar spent - with the Qantas Frequent Flyer card, you’ll earn 0.5 points per dollar on Visa, uncapped and 1 point per dollar on Visa with Amplify Rewards, uncapped. All points on both cards never expire.
This reward card offers a 19.74% purchase rate and a 21.49% cash advance rate and up to 55 interest free days. You’ll pay a 2% cash advance fee on each amount you’ve withdrawn, as well as the interest you’ll be charged, so it’s important to avoid ATMs with this card.
There is a $79 annual fee to budget for, but given the rewards on offer and compared to other rewards cards, this is a pretty manageable cost.
If it’s getting rid of lingering debt that has you interested with the St.George Classic Credit Card, you’ll get a 0% balance transfer rate for 14 months, before the rate reverts to 20.24%.
Who it's good for:
The St.George Amplify Classic Credit Card is a great choice for anyone looking a card that offers great value through points and rewards for travel lovers or shopaholics, but is easy on the wallet when it comes to fees.
Any catches?
If you do plan to use the Amplify Classic Credit Card for redeeming points to travel, you will need to be a member of the Qantas Frequent Flyer or relevant airline program. The cost of membership is not included in the card’s cost, so you will need to budget for this fee.
Rewards program details
Rates and fees information correct as at 23 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.What your points get you
Fly Sydney to London return
239,200 points
Fly Sydney to Melbourne one-way
15,600 points
$100 Giftcard
22,200 points
$100 Cash
18,000 points
Points earning
1 point per dollar on Visa, uncapped
Rewards scheme
Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.
You can get flights via Velocity, Enrich or Krisflyer programs.
Value of rewards points
Spend $18,182 (Visa)
Spend $22,200 (Visa)
Spend $15,600 (Visa)
Spend $239,200 (Visa)
Uncapped
Never
How do we calculate these points?
How do we calculate the rewards?
To work out the "Rewards value minus fees" in our Rewards Revealer we:
calculate how many points you'd get each year,
figure out how many flights or gift cards or cashback credits you could get for those points,
work out what that's actually worth to you,
take off the annual fee you'd pay.
More details:
Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
Shopping rewards are based on $100 gift cards from a major national department store.
We make every effort to ensure our calculations are correct and up to date but make no guarantees.
Rate and fee details
Rates
-
19.74% p.a.
-
none
-
0% p.a. for 14 months and then 21.49% p.a.
-
yes
-
21.49% p.a.
-
55
Fees
-
$79.00
-
none
-
none
-
none
-
$15.00
-
2%, Min $2.50
-
3.00%
-
$2.00
-
$10.50
-
$0.00
Features
-
$10.00
-
2.0
-
1
-
none
Payment options
Google Pay, Samsung Pay
Rewards program details
Rates and fees information correct as at 23 August 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.What your points get you
Fly Sydney to London return
110,400 points
Fly Sydney to Melbourne one-way
8,000 points
$100 Giftcard
17,120 points
$100 Cash
-
Points earning
0.5 points per dollar on Visa, uncapped
Rewards scheme
Points are automatically credited to the Qantas Frequent Flyer program.
All rewards are redeemed via Qantas Frequent Flyer.
Value of rewards points
Spend $34,240 (Visa)
Spend $16,000 (Visa)
Spend $220,800 (Visa)
Uncapped
Never
How do we calculate these points?
How do we calculate the rewards?
To work out the "Rewards value minus fees" in our Rewards Revealer we:
calculate how many points you'd get each year,
figure out how many flights or gift cards or cashback credits you could get for those points,
work out what that's actually worth to you,
take off the annual fee you'd pay.
More details:
Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
Shopping rewards are based on $100 gift cards from a major national department store.
We make every effort to ensure our calculations are correct and up to date but make no guarantees.
Rate and fee details
Rates
-
19.74% p.a.
-
none
-
0% p.a. for 14 months and then 21.49% p.a.
-
yes
-
21.49% p.a.
-
55
Fees
-
$79.00
-
none
-
none
-
none
-
$15.00
-
2%, Min $2.50
-
3.00%
-
$2.00
-
$10.50
-
$0.00
Features
-
$10.00
-
2.0
-
1
-
none
Payment options
Google Pay, Samsung Pay
Customer Reviews
How are St.George credit cards rated by the Mozo community?
Latest reviews of St.George Amplify Classic
- Overall10/10
Excellent service and friendly staff
I love this bank. I have never had a problem with them. When I've had concerns or questions, the...
Read full review
I love this bank. I have never had a problem with them. When I've had concerns or questions, the staff have treated me with dignity and provided all the help and information that I needed.
Price10/10Features10/10Customer service10/10Convenience10/10Trust10/10Less
Alan | Australian Capital Territory
reviewed over 1 year ago
- Overall0/10
Disgusting level of service.
Took 20 days to get money back after incorrectly debiting my account.
Read full review
Took 20 days to get money back after incorrectly debiting my account.
Price3/10Features0/10Customer service0/10Convenience4/10Trust0/10Less
John | Victoria
reviewed about 3 years ago
- Overall9/10
No fuss finance
Easy to set up. No fuss with paperwork. Excellent interest comparison. Thanks
Read full review
Easy to set up. No fuss with paperwork. Excellent interest comparison. Thanks
Price8/10Features8/10Customer service9/10Convenience9/10Trust9/10Less
Jason | New South Wales
reviewed over 3 years ago
- Overall8/10
They have amazing service, better than any bank!
I have no dislikes or cons of this bank!!!
Read full review
I have no dislikes or cons of this bank!!!
Price9/10Features8/10Customer service7/10Convenience9/10Trust10/10Less
Kelsea | New South Wales
reviewed almost 4 years ago
- Overall7/10
Rewards
Linked to my qantas and Woolworth's loyalty.
Read full review
Linked to my qantas and Woolworth's loyalty.
Price2/10Features9/10Customer service6/10Convenience7/10Trust5/10Less
Rubince | New South Wales
reviewed almost 4 years ago
About St.George
St.George is Australia's fifth largest bank and has merged with Westpac to create a banking mega force. St.George offers a wide range of products aimed at business and corporate customers. St.George still have a customer focused team who tailor products to suit its customers needs. So if you want a bank that's good with people and good with money too, check out the St George range of credit cards, bank accounts, savings accounts, home loans and personal loans.
Promoted
Qantas Money
Qantas Premier Everyday
0% p.a. for 12 months and then 21.99% p.a.
19.99% p.a.
$49 $29 in the first year
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Bonus Points Offer
0% p.a. for 18 months and then 20.99% p.a.
20.74% p.a.
$129 $64 in the first year
Promoted
Suncorp
Clear Options Platinum
0% p.a. for 14 months and then 21.99% p.a.
0% p.a. for 14 months then 20.74% p.a.
$129 $49 in the first year
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Purchase Rate Offer
0% p.a. for 6 months and then 20.99% p.a.
0% p.a. for 14 months then 20.74% p.a.
$129 $64 in the first year
Promoted
American Express
Velocity Escape Card
0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
20.74% p.a.
$0
Promoted
HSBC
Platinum Credit Card (Special Offer)
0% p.a. for 22 months and then 21.99% p.a.
0% p.a. for 12 months then 19.99% p.a.
$129 Refunded when you spend over $6,000 p.a
Promoted
Qantas Money
Qantas Premier Everyday
0.75 points per dollar on Mastercard, up to $3,000 per month, then
0.4 points per dollar on Mastercard, uncapped
19.99% p.a.
$49 $29 in the first year
Promoted
CUA
Platinum Credit Card
1 point per dollar on Mastercard, up to 100000 points per year
19.99% p.a.
$149 $0 in the first year
Promoted
Suncorp
Clear Options Platinum
1.25 points per dollar on Visa, uncapped
20.74% p.a.
$129 $49 in the first year
Promoted
HSBC
Platinum Credit Card (Special Offer)
1 point per dollar on Visa, up to 10000 points per month
19.99% p.a.
$129 Refunded when you spend over $6,000 p.a
Promoted
American Express
Velocity Escape Card
0.75 points per dollar on Amex, uncapped
20.74% p.a.
$0
Promoted
ANZ
Frequent Flyer
0.5 points per dollar on Visa, up to $500 per month, then
0.25 points per dollar on Visa, uncapped
20.24% p.a.
$95
Promoted
Bankwest
Qantas Platinum Mastercard
0.75 points per dollar on Mastercard, up to $2,500 per month, then
0.3 points per dollar on Mastercard, uncapped
20.49% p.a.
$160 $80 in the first year
Promoted
Heritage Bank
Platinum
0.002 points per dollar on Visa, uncapped
17.74% p.a.
$125 $0 when you spend over $35,000 p.a
Promoted
Qantas Money
Qantas Premier Everyday
0% p.a. for 12 months and then 21.99% p.a.
$49 $29 in the first year
19.99% p.a.
Promoted
Suncorp
Clear Options Platinum
0% p.a. for 14 months and then 21.99% p.a.
$129 $49 in the first year
0% p.a. for 14 months then 20.74% p.a.
Promoted
ANZ
Platinum
0% p.a. for 18 months and then 20.24% p.a. (2.00% balance transfer fee)
$87 $0 when you spend over $20,000 p.a, $0 in the first year
20.24% p.a.
Promoted
HSBC
Platinum Qantas Credit Card
0% p.a. for 12 months and then 21.99% p.a.
$79 $0 in the first year
19.99% p.a.
Promoted
American Express
Platinum Edge Credit Card
0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
$195
20.74% p.a.
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Ongoing Annual Fee Offer
0% p.a. for 18 months and then 20.99% p.a.
$50
20.74% p.a.
Promoted
HSBC
Platinum Credit Card
0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee)
$129 Refunded when you spend over $6,000 p.a
0% p.a. for 12 months then 19.99% p.a.
Promoted
American Express
Velocity Escape Card
0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
$0
20.74% p.a.
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Purchase Rate Offer
0% p.a. for 14 months then 20.74% p.a.
$129 $64 in the first year
0% p.a. for 6 months and then 20.99% p.a.
Promoted
NAB
Low Rate Card
0% p.a. for 6 months then 13.99% p.a.
$59
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
Promoted
Suncorp
Clear Options Platinum
0% p.a. for 14 months then 20.74% p.a.
0% p.a. for 14 months and then 21.99% p.a.
$129 $49 in the first year
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Purchase Rate Offer
0% p.a. for 14 months then 20.74% p.a.
0% p.a. for 6 months and then 20.99% p.a.
$129 $64 in the first year
Promoted
HSBC
Platinum Credit Card (Special Offer)
0% p.a. for 12 months then 19.99% p.a.
0% p.a. for 22 months and then 21.99% p.a.
$129 Refunded when you spend over $6,000 p.a
Promoted
Heritage Bank
Platinum
17.74% p.a.
No current offer
$125 $0 when you spend over $35,000 p.a
