St.George Amplify Business Credit Card

The basics

• Additional cardholders. Add up to 3 additional cardholders for this card for free, a relatively low number that might not suit larger businesses.
• Digital wallets. This card supports digital wallets such as Apple Pay, Google Pay, and Samsung Pay.
• Gambling transactions. Gambling-related transactions are classified as cash equivalent and will incur interest at the cash advance rate.

Rewards and benefits

• Complimentary travel insurance. The St.George Amplify Business Credit Card offers complimentary international travel insurance coverage. To activate the cover, the card must have been used to pay for travel costs related to a trip before departure. Eligibility criteria apply.
• Concierge services. A 24 / 7 concierge service is not available to cardholders.
• Insurances. Cardholders get fraud protection, purchase protection insurance, and international travel insurance, including transit accident insurance.
• Rewards points. St.George Amplify Business Credit Card cardholders can choose to earn uncapped points at the rate of 1 point per $1 spent in the Amplify Rewards or Amplify Qantas programs on eligible purchases. Government transactions (including tax payments to the ATO) will earn points at the reduced rate of 0.5 points per $1 spent. Points earned from overseas transactions do not count towards the rewards cap. Amplify Points do not expire while your account is open.
• Sign-up bonus. Unfortunately, there currently is no ongoing sign-up bonus for new customers.

Rates and fees

• Annual fee. This card comes with an annual fee of $89 p.a. St.George is currently waiving the fee in the first year.
• Balance transfers. As with most business credit cards, there is no introductory balance transfer.
• Cash advances. Cash advances on the St.George Amplify Business Credit Card are charged a rate of 20.24% p.a. Interest accrues immediately from the day the advance is made. An additional one-off cash advance fee applies.
• Foreign exchange fee. All purchases in a foreign currency will be subject to a 3% fee.
• Interest-free period. The St.George Amplify Business Credit Card offers up to 55 days interest-free on purchases (except cash advances) when you have paid your previous balance in full or made the minimum required payment.
• Purchases. There is no introductory offer on purchases. All purchases are subject to an interest rate of 19.49% p.a.