St.George Amplify Platinum Credit Card (Amplify)
Apply by 30 November 2023

St.George Amplify Platinum Credit Card (Amplify)


  • Earn 90,000 bonus Amplify Points when you spend $3,000 on eligible purchases within 90 days from card approval. This could be worth up to $400 in eGift cards. Exclusions apply.
  • 0% for 24 months on balance transfers with a 1% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
  • $49 p.a. discounted annual fee for the first year ($99 p.a. annual fee thereafter)

Pros and cons


  • The 90,000 bonus Amplify Points.
  • Earn uncapped Amplify Points per dollar on eligible purchases.
  • 0% p.a. for 24 months on balance transfers.
  • Comes with complimentary insurance (terms, conditions, exclusions, and eligibility criteria apply).
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.


  • There is a 1% balance transfer fee. Other cards offer 0% balance transfer free.

Our review


Customer service

Rates and fees



Have card, will travel. But you need the right card for the travelling lifestyle.

Travelling, and travelling overseas in particular, is exactly what St.George is encouraging cardholders to do with its St.George Amplify Platinum Credit Card. For a start, there’s a choice of rewards programs – Amplify Rewards or Qantas Frequent Flyer – with the potential to acquire frequent flyer points with four separate airlines. Additionally, there’s complimentary overseas travel insurance and transit accident insurance. The icing on the cake is the double points you can earn on spending with international merchants, whether you’re on an overseas adventure or just an armchair traveller shopping online.

And there are plenty of other benefits to tempt you to make this your card both for travelling and for when you’re spending closer to home.

Amplify Rewards or Qantas Frequent Flyer?

Most rewards credit cards are branded to a single program: you choose a particular card because it offers a specific type of frequent flyer points (Qantas, Velocity, etc.) or the bank's own points (e.g. Amplify Rewards or American Express Membership Rewards). Some cards allow you to switch between frequent flyer points and their proprietary rewards points up to once a year. Very few cards allow you to switch programs as often as you like, but that’s exactly what you can do with this card since you can earn Amplify Points or Qantas Points.

When your situation changes, so can your rewards program. But points can’t be transferred from one program to the other, so you will have to leave them behind in their original points account and redeem them from there. Amplify Points left behind in this way will expire within 90 days, so you’ll need to use them pretty quickly.

Standard earn rate for domestic spending

The rate at which you will earn points for purchases from Australian merchants is:

  • 1.0 Amplify Points per $1 spent; or
  • 0.5 Qantas Points per $1 spent.

This is not the best points-earning rate on the market, but it’s reasonable given the card’s moderate annual fee and the other built-in benefits. If you want to earn points at a faster rate, you’ll probably need to choose a more expensive card.

Double the earn rate for overseas spending

It does get better, however. Leave Australian soil, and you’ll immediately start earning points at twice the normal rate:

  • 2 Amplify Points per $1 spent; or
  • 1 Qantas Points per $1 spent.

Bonus Amplify Points from program partners

Another way to boost the Amplify points earning rate is to spend with Amplify Rewards partners whenever you can. Unfortunately, there aren’t too many of these. They are mainly hotels (Crown, Leisure Inn, Metro, and Park Regis groups) and theme parks (Dreamworld and WhiteWater World). Or you can book flights, accommodation, car hire, and tours through Amplify Travel for more bonus points.

The extra points potential ranges from one third of a point up to three points per dollar. It would be well worth remembering that these bonus partners exist when planning a business trip or family holiday.

Points flexibility

In total, you can have the ability to earn points with four airlines that between them cover most of the planet.

You can earn Qantas points directly by opting for Qantas Frequent Flyer as your rewards program, or you can choose Amplify Rewards points which can be exchanged for frequent flyer points with Velocity Frequent Flyer or Singapore Airlines KrisFlyer at the rate of 2 Amplify Points to 1 airline point.

Qantas Frequent Flyer joining fee waived

Recognising that Qantas Frequent Flyer’s $89.50 joining fee could deter customers from choosing the Qantas rewards program, St.George has arranged for the fee to be waived for new cardholders signing up for Qantas Frequent Flyer for the first time. So you can consider each scheme on its own merits without the disincentive of a fee.

Other ways to use your points

The two programs have a comparable range of other products available for points redemption.

  • Hotel accommodation, tours and car hire
  • Retail gift cards
  • Movie tickets
  • Magazine subscriptions
  • Merchandise in an online catalogue
  • Charity donations
  • Points + Pay options if you don’t have quite enough points

So how do you decide which program to choose?

Since the two rewards programs are so similar, how do you choose between them?

If your aim is to use points for domestic flights, or for long haul flights on routes covered by Qantas, you’d be better off choosing Qantas because you’ll need to spend less to earn the required points.

But in most cases, Amplify Rewards will be the best choice for almost any other kind of redemption because they have been priced at a lower point cost than the comparable Qantas redemption.

But remember, your decision is not set in stone. Once you have earned enough points for your desired reward in one scheme, you can switch to the other. And back again.

Complimentary insurance for the traveller and the shopper

There are yet more perks for the traveller, while the stay-at-home shopper is not forgotten, with four complimentary insurance policies:

  • International travel insurance. Use the card for at least $500 of your prepaid travel costs, and be covered for emergency medical expenses, luggage that is lost, stolen or damaged, rental vehicle insurance excess and unavoidable cancellation of travel plans.
  • Overseas transit accident insurance. If you have a serious accident when travelling as a passenger in a train, bus plane or ferry while you are overseas, this policy provides cash compensation for the loss of a hand, foot or eyesight, or in the event of death. The fare must have been paid with the card.
  • Extended warranty insurance. The manufacturer’s Australian warranty on goods purchased with the card is doubled up to a maximum of one additional year.
  • Purchase protection insurance. Provides 90-day cover against loss, theft, or accidental damage for all new goods purchased using the card.

Concierge service – another facility to help travellers

This card gives you access to the Visa Platinum concierge service.

A concierge service can be useful even when you aren't travelling for assistance with recommendations and bookings for entertaining and dining. But when you are travelling overseas, it becomes a truly valuable amenity, unlocking local knowledge and providing vital assistance, especially if you don’t speak the language.

3% foreign exchange fee

After all these bonuses for the traveller, it’s unfortunate to see a 3% fee on foreign exchange transactions. Although this is a fairly typical credit card charge, a few cards do come with no surcharge on foreign currency transactions. It would be good news it this travel-oriented card was one of them, but it’s not.

Introductory balance transfer offer at 0% interest for 24 months

Balance transfers for new credit cards are available at 0% for 24 months, with a 1% balance transfer fee. This can be extremely useful for anyone struggling to repay existing credit card debt, and there is serious money to be saved if you’re paying 20% p.a. or more at the moment. For example, transferring a $5,000 debt from a 20% p.a. credit card would save $2,000 in interest cost during 24 months.

The revert rate is 19.49% p.a., so set up a calendar reminder for the expiry date of the introductory 0% offer so that you can make prompt and full repayment.

Is the St.George Amplify Platinum worth the annual fee?

The St.George Amplify Platinum Credit Card may suit you if:

  • you can see value in both Amplify Rewards and Qantas Frequent Flyer, and want to be able to switch at will between them;
  • you travel overseas regularly and can make use of the complimentary travel insurance, the concierge service and the double points for overseas spending;
  • you don’t want a cap to restrict how many points can be earned in any month when you make a major purchase;
  • you can make use of the introductory offer;
  • you want to avoid an American Express card because of lower acceptance rates and possible surcharges.

Nilooka Dissanayake

Reviewed by Nilooka Dissanayake


User reviews


Customer service

Rates and fees



I'm very pleased with this card

Reviewed by Marion

Although my card doesn’t give me rewards this is compensated by having to pay no fees. I have this card with no fees for the life that I have it. I don’t know if the no fees I enjoy are the same for everyone, but I’m happy to have it.

Card is useful for frequent flyer points

Reviewed by Rob

This card has been useful for earning Qantas Frequent Flyer points and it has saved me money on travel insurance. The interest rate is only adequate and probably a bit on the high side. It’s very easy to use overseas and widely accepted. The card has a yearly fee as well for those looking to use it, so please look at all the obvious and hidden costs.

Rewards have been reduced

Reviewed by Mark

This card was great. It came as part of my home loan package and had a great earn rate, but then it changed to 1/2 a point per dollar spent. It’s now no longer rewarding me for being loyal to my bank and I think I could get a better deal switching to a different bank.

Lowest interest rate for a rewards card

Reviewed by Narayan

I took this card on offer with no first year fees. The card is valuable, with a minimal interest rate for the first year. You can go for it if you want to earn rewards and save some money on interest. I found this to be the lowest interest rate card compared with any other rewards card in the market.

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