St.George Amplify Classic

St.George Amplify Classic Review

Rates and fees information correct as at 25 June 2018.

Review published: 25 October 2017

What's hot:

Mozo 2017 Experts Choice winner
3% balance transfer rate for 36 months
Choose between Qantas Frequent Flyer or Amplify Rewards
No annual fee for the first year

What's not:

20.24% cash advance rate

Mozo snapshot:

If you’re after a rewards credit card, why not pick up the St.George Amplify Classic Credit Card? Especially since it took out an Experts Choice Award for Rewards Credit Card. With this reward card, you’ll have a 19.49% purchase rate and a 20.24% 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 19.49% purchase rate and a 20.24% 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 You’ll pay a 2% cash advance fee on each amount you’ve withdrawn, as well as the interest you’ll be charged, so it’s important to avoid ATMs with this card.

In the first year, you'll pay no annual fee. After that 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 3% balance transfer rate for 36 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.

Product Type	Overall Rating	Price	Features	Service	Convenience	Trust
St.George credit cards	7.0 Based on 330 St.George credit cards reviews	6.3	6.0	7.0	7.4	7.1

Product Type

Overall Rating

Price

Features

Service

Convenience

Linked to my qantas and Woolworth's loyalty.

Full review

Linked to my qantas and Woolworth's loyalty.

Price 2 / 10

Features 9 / 10

Customer service 6 / 10

Convenience 7 / 10

Trust 5 / 10

Less

Rubince (NSW), reviewed almost 3 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Revealing rewards

How do we do it?

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.

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

Earn $100 cash back reward
Need to spend $18,182 (Visa)
Earn $100 gift card reward
Need to spend $22,200 (Visa)
Earn Flight: Sydney-Melbourne reward
Need to spend $15,600 (Visa)
Earn Flight: Sydney-London reward
Need to spend $239,200 (Visa)
Points are capped?
Uncapped
Points expire?
Never

Details behind our 'value of rewards' calculations

Points earning
1 point per dollar on Visa, uncapped
$100 cash back
18000 points buys a Amplify $99 annual fee
$100 gift card
22200 points buys a Myer $100 Gift Card
Flight: Sydney-Melbourne
1 points buys 0.5 Velocity Points; 7800 Velocity Points buys a Virgin Australia Sydney-Melbourne flight
Flight: Sydney-London
1 points buys 0.5 Velocity Points; 119600 Velocity Points buys a Velocity partner Sydney-London flight

* How did we do it? Find out...

Rates

Purchase rate
19.49% p.a.
Intro purchase rate
none
Balance transfer rate
3.00% p.a. for 36 months and then 20.24% p.a.
Balance transfer revert to cash
yes
Cash advance rate
20.24% p.a.
Interest free days
55

Fees

Annual card fee
$79.00
Introductory annual fee
$0 in the first 1 year
Annual fee spend threshold
none
Reward program fee
none
Late payment fee
$15.00
Cash advance fee
2%, Min $2.50
Foreign exchange margin
3.00%
Duplicate statement fee
$2.00
Transaction verification fee
$10.50
Additional card fee
$0.00

Other financial bits

Minimum repayment amount
$10.00
Minimum repayment percent
2.0

Features

Additional cardholders
1
Other restrictions
none
Other benefits
none

Rewards scheme

Points are automatically credited to the Qantas Frequent Flyer program.
All rewards are redeemed via Qantas Frequent Flyer.

Value of rewards points

Earn $100 gift card reward
Need to spend $32,320 (Visa)
Earn Flight: Sydney-Melbourne reward
Need to spend $16,000 (Visa)
Earn Flight: Sydney-London reward
Need to spend $240,000 (Visa)
Points are capped?
Uncapped
Points expire?
Never

Details behind our 'value of rewards' calculations

Points earning
0.5 points per dollar on Visa, uncapped
$100 gift card
16160 points buys a Myer $100 Gift Card
Flight: Sydney-Melbourne
8000 points buys a Qantas Sydney-Melbourne flight
Flight: Sydney-London
120000 points buys a Qantas Sydney-London flight

* How did we do it? Find out...

Rates

Purchase rate
19.49% p.a.
Intro purchase rate
none
Balance transfer rate
3.00% p.a. for 36 months and then 20.24% p.a.
Balance transfer revert to cash
yes
Cash advance rate
20.24% p.a.
Interest free days
55

Fees

Annual card fee
$79.00
Introductory annual fee
$0 in the first 1 year
Annual fee spend threshold
none
Reward program fee
none
Late payment fee
$15.00
Cash advance fee
2%, Min $2.50
Foreign exchange margin
3.00%
Duplicate statement fee
$2.00
Transaction verification fee
$10.50
Additional card fee
$0.00

Other financial bits

Minimum repayment amount
$10.00
Minimum repayment percent
2.0

Features

Additional cardholders
1
Other restrictions
none
Other benefits
none

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.