St.George Amplify BusinessVantage Credit Card
Highlights
- Enjoy a low rate of 9.99% p.a. on purchases and 17.15% p.a. on cash advances.
- Get up to 99 additional cardholders with individual card limits.
- Up to 55 days interest-free on purchases.
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The basics
- Additional cardholders. You can add up to 99 additional cardholders for a fee of $55 p.a. each. This allows you to share the account with employees, in whose name the card will be issued. Due to the lack of rewards, its main benefit will be in controlling spending and consolidated accounting.
- Digital wallets. This card supports major digital wallets, including Apple Pay, Google Pay, and Samsung Pay.
- Gambling transactions. St.George allows gambling-related transactions to be made, with the cash advance rate being applied.
Rewards and benefits
- Complimentary travel insurance. The St.George Amplify BusinessVantage Credit Card does not come with complimentary international travel insurance coverage.
- Concierge services. Neither primary nor additional cardholders have access to a concierge service.
- Insurances. This card comes with Unauthorised Transaction Insurance, befitting of a business card that allows 99 additional cardholders.
- Rewards points. This credit card does not have a rewards program.
- Sign-up bonus. St.George does not offer a sign-up bonus for this card.
Rates and fees
- Annual fee. The initial annual fee for this card is $55 p.a.
- Balance transfers. This card does not have a balance transfer offer at this time, which is typical of a business credit card.
- Cash advances. St.George applies a 17.15% p.a. interest rate to any cash advances made with the Amplify BusinessVantage Credit Card, and it begins accruing immediately from the date of the advance. There is an additional one-off fee per cash advance.
- Foreign exchange fee. Transactions made in a foreign currency, either online or overseas, will incur a 3% fee.
- Interest-free period. Get up to 55 days interest-free on purchases (except cash advances) if you pay your balance in full or make the minimum required payments.
- Purchases. There is currently no introductory offer on purchases, which will be charged interest at 9.99% p.a. This is a low rate, even compared to many low rate personal credit cards.
Reviewed by Nilooka Dissanayake
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