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St.George Amplify Platinum

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

  • Amplify Platinum (Amplify Rewards)

    Rewards: Amplify Rewards

  • Amplify Platinum (Qantas Frequent Flyer)

    Rewards: Qantas Frequent Flyer

Purchase rate
19.74% p.a.
Balance transfer rate
0% p.a. for 6 months and then 19.74% p.a.
Annual fees
$99 $49 in the first year
Interest free days on purchases
55
Purchase rate
19.74% p.a.
Balance transfer rate
0% p.a. for 6 months and then 19.74% p.a.
Annual fees
$99 $49 in the first year
Interest free days on purchases
55

Mozo editorial review St.George Amplify Platinum

Last updated: 4 October 2019.

binocular icon
What's hot
  • Up to 100,000 bonus points (conditions apply)
  • Perks like concierge service, free travel insurance and extended warranty
  • 1 point for every $1 spent
What's not
  • 3% foreign exchange margin
Mozo snapshot

If you’re a big spender who uses plastic all the time, then why not have a card that rewards you for doing so? The St.George Amplify Platinum comes with the chance to earn 1 point per $1 spent, plus it also has some neat features like extended warranty, purchase protection, a free additional cardholder and the ability to pay through Samsung Pay.

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Key features

The St.George Amplify Platinum credit card has two different version that change where your rewards points go. The Qantas Frequent Flyer option lets you link your rewards earning to your Qantas Frequent Flyer program, allowing for more streamlined points earning if you know you’ll be putting all your points towards travel.

The other is the Amplify Rewards option, which helps you earn rewards faster and will let you claim rewards through St.George rewards program. These points can be used to redeem a wide range of rewards from wallets, to headphones, to suit cases to much more. You'll also pay no annual fee on this option for the first year.

The St.George Amplify Platinum gives you the option to jump straight in and kick off your points stash: if you spend $6,000 on the card in the first year, you’ll snag 70,000 bonus Amplify points, then if you do the same in the second year, you'll score an extra 30,000 bonus points.

Beyond the rewards, the card comes with some other premium perks, such as complimentary travel insurance, extended warranty on products and extra purchase protection.

If you’re someone that uses Samsung Pay to pay bills or make purchases, you’ll be glad to know you can link the card to your account.

To finish off, if you want to share the card with someone like a significant other, you’ll be able get a free additional card holder on the account.

snapshot
Who is it good for

Spenders who want that little bit extra from their card purchases may find the St.George Amplify Platinum is just the ticket, with rewards points and premium perks on offer.

snapshot
Any catches

There’s no major catches, but the 3% foreign exchange margin will make online purchases from overseas, or purchases made when travelling internationally a tad more expensive.

And, as with most rewards cards, there’s a relatively steep $99 annual fee after the first year in which its $49, which could put a ding in your budget so make sure you plan for that cost.

Rewards program details

Rates and fees information correct as at 1 June 2020. 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

212,000 points

Fly Sydney to Melbourne one-way

-

$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 Enrich or KrisFlyer programs.

Special offers

Receive 70,000 bonus Amplify Points in year 1 plus a further 30,000 in year 2 when you spend at least $6,000 each year on eligible purchases

Value of rewards points

Spend $18,182 (Visa)

Spend $22,200 (Visa)

Spend $212,000 (Visa)

Uncapped

Never

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.

Close

Rate and fee details

Rates
  • 19.74% p.a.

  • none

  • 0% p.a. for 6 months and then 19.74% p.a.

  • none

  • 21.49% p.a.

  • 55

Fees
  • $99.00

  • $49 in the first 1 year

  • 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

Apple Pay, Google Pay, PayID, Samsung Pay

Rewards privileges

Travel Insurance,
Extended Warranty,
Purchase Protection

Rewards program details

Rates and fees information correct as at 1 June 2020. 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

18,690 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.

Special offers

Receive 60,000 bonus Qantas Points when you spend $2,000 within the first 90 days.

Value of rewards points

Spend $37,380 (Visa)

Spend $16,000 (Visa)

Spend $220,800 (Visa)

Uncapped

Never

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.

Close

Rate and fee details

Rates
  • 19.74% p.a.

  • none

  • 0% p.a. for 6 months and then 19.74% p.a.

  • none

  • 21.49% p.a.

  • 55

Fees
  • $99.00

  • $49 in the first 1 year

  • 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

Apple Pay, Google Pay, PayID, Samsung Pay

Rewards privileges

Travel Insurance,
Extended Warranty,
Purchase Protection

Customer Reviews

How are St.George credit cards rated by the Mozo community?

Overall customer rating
6.8/10
Price
6.2/10
Features
5.3/10
Customer service
6.9/10
Convenience
7.4/10
Trust
7.1/10

Latest reviews of St.George Amplify Platinum

  • Overall 10/10
    Easy online services.

    Great customer service in branch.

    Read full review

    Great customer service in branch.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Pam, New South Wales reviewed 6 months ago
  • Overall 10/10
    Great service.

    i love St George bank. Staff are so helpful and I have been very happy.

    Read full review

    i love St George bank. Staff are so helpful and I have been very happy.

    Price
    7/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    -1/10
    Trust
    10/10
    Less
    Joanne, New South Wales reviewed 6 months ago
  • Overall 8/10
    Great for reward system, easy online access on app

    I’ve had this card with my home loan and love it, has saved me lots and they are happy to up the limit if you need.

    Read full review

    I’ve had this card with my home loan and love it, has saved me lots and they are happy to up the limit if you need.

    Price
    7/10
    Features
    9/10
    Customer service
    5/10
    Convenience
    3/10
    Trust
    9/10
    Less
    Lauren, Western Australia reviewed 6 months ago
  • Overall 6/10
    Friendly service.

    Simple to use app for credit card.

    Read full review

    Simple to use app for credit card.

    Price
    3/10
    Features
    5/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    8/10
    Less
    Mathew, New South Wales reviewed 7 months ago
  • Overall 10/10

    Price
    10/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -
    Less
    Nathanturi2, New South Wales reviewed over 3 years ago
St.George

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.

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