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St.George Amplify Platinum

Advertiser disclosure

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
0% p.a. for 7 months then 19.74% p.a.
Balance transfer rate
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
Annual fees
$99 $0 in the first year
Interest free days on purchases
55
Purchase rate
19.74% p.a.
Balance transfer rate
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
Annual fees
$99
Interest free days on purchases
55

Mozo editorial review St.George Amplify Platinum

Last updated: 2 October 2020.

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What's hot
  • 70,000 bonus Qantas Points offer (minimum spend applies)
  • 1 point for every $1 spent
  • Samsung Pay available
What's not
  • 3% foreign exchange margin
Mozo snapshot

If you’re a big spender who uses plastic all the time, then why not get a card that rewards you for it? The St. George Amplify Platinum Credit Card gives you the chance to earn 1 Amplify Point per $1 spent on Visa (uncapped) when you opt for the Amplify Rewards option, or 0.5 points per dollar spent on Visa (uncapped) when you go with the Qantas Frequent Flyer option. Plus, if you apply and are approved before 9 February 2021, you could even bag yourself 70,000 bonus Qantas Points.

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Key features

One of the most important things about the St.George Amplify Platinum credit card is that you'll get to choose between two rewards program offers: the Amplify Platinum Amplify rewards program or the Amplify Platinum Qantas rewards program. 

The Amplify Platinum Qantas option gets you 0.5 points per $1 spent on Visa (uncapped) and 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. There's also a massive 70,000 bonus Qantas Points offer available with this rewards program. To earn these extra points you will have to spend a minimum of $1,500 per month on eligible purchases, within the first three months of approval. The offer ends on 9 February 2021.

With the Amplify Platinum Amplify option, you'll earn 1 Amplify Point per $1 spent on Visa (uncapped), which helps you earn rewards faster and lets 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 suitcases and much more. 

Plus, if you opt for the Amplify Platinum Amplify program, you'll enjoy a 0% purchase rate for the first 7 months (then 19.74%) and won't pay an annual fee for the first year ($99 after). If you've got some lingering debt you need to take care of, you'll be able to tap into 22 months 0% balance transfer option. 

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 to add a free additional cardholder on the account.

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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.

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Any catches

There are 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.

After the first year there's a relatively steep $99 annual fee, which could put a dent in your budget, so make sure you plan for that cost.

Rewards program details

Rates and fees information correct as at 5 December 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.

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.

  • 0% p.a. for 7 months

  • 0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

  • yes

  • 21.49% p.a.

  • 55

Fees
  • $99.00

  • $0 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 5 December 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

18,770 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 70,000 bonus Qantas Points when you spend $1,500 each month for the first 3 months.

Value of rewards points

Spend $37,540 (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 15 months and then 21.49% p.a. (1.00% balance transfer fee)

  • yes

  • 21.49% p.a.

  • 55

Fees
  • $99.00

  • 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

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
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
    A truly great bank

    I have to say this bank helped me out when I needed it and have continued to do so since. The staff are always helpful and friendly.

    Read full review

    I have to say this bank helped me out when I needed it and have continued to do so since. The staff are always helpful and friendly.

    Price
    7/10
    Features
    9/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    9/10
    Less
    Richard, New South Wales reviewed 4 months ago
  • 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 12 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 about 1 year 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 about 1 year 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 about 1 year 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.

See St.George credit cards

Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

Bendigo Bank

Bendigo Bank

Low Rate Credit Card

0% p.a. for 15 months then 11.99% p.a.

No current offer

$45

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$49 $0 in the first year

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Defence Bank

Defence Bank

Foundation Credit Card

3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

CUA

CUA

Platinum Credit Card

19.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$149 $0 in the first year

CUA Platinum Rewards

American Express

American Express

Qantas Discovery Card

20.74% p.a.

No current offer

$0

Qantas Frequent Flyer

Virgin Money

Virgin Money

No Annual Fee Card

0% p.a. for 12 months then 18.99% p.a.

0% p.a. for 12 months and then 20.99% p.a.

$0

American Express

American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

American Express

American Express

Qantas Premium Card

Qantas Frequent Flyer

$249

30,000

1 point uncapped

Suncorp

Suncorp

Clear Options Platinum

Suncorp Rewards

$129

100,000

1.25 points uncapped

American Express

American Express

Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

NAB

NAB

Qantas Rewards Premium Card

Qantas Frequent Flyer

$250

30,000

0.66 points up to $3,000/month, then
0.33 points up to $6,000/month

Bankwest

Bankwest

Qantas Platinum Mastercard

Qantas Frequent Flyer

$160

30,000

0.75 points up to $2,500/month, then
0.3 points uncapped

American Express

American Express

Qantas Ultimate Card

Qantas Frequent Flyer

$450

55,000

1.25 points uncapped

Westpac

Westpac

Altitude Black

Altitude Rewards

$250

150,000

1.25 points uncapped

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0% p.a. for 26 months and then 20.99% p.a.

20.74% p.a.

$129 $64 in the first year

Velocity Frequent Flyer

Westpac

Westpac

Low Rate

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

13.74% p.a.

$59

CUA

CUA

Low Rate Credit Card

0% p.a. for 20 months and then 21.74% p.a.

11.99% p.a.

$49 $0 in the first year

ANZ

ANZ

Low Rate

0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)

12.49% p.a.

$58 $0 in the first year

NAB

NAB

Low Rate Card

0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)

12.99% p.a.

$59

Bankwest

Bankwest

Breeze Mastercard

2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)

0% p.a. for 15 months then 10.99% p.a.

$49

Virgin Money

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

Velocity Frequent Flyer

Bendigo Bank

Bendigo Bank

Low Rate Credit Card

0% p.a. for 15 months then 11.99% p.a.

No current offer

$45

Defence Bank

Defence Bank

Foundation Credit Card

3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$49 $0 in the first year

Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)

$58 $0 in the first year

NAB

NAB

StraightUp Card

0% p.a.

No current offer

$120 $10/month - waived if no spend & no balance owing

Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 15 months then 10.99% p.a.

2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)

$49