St.George Amplify Platinum Credit Card

My monthly spend: 
$5,000
 
Offer
Card features
Rewards program
Earn rate
Sign up bonus
Points earned
St.George Amplify Platinum Credit Card
Apply by 18 apr 18
4 reviews
Up to 60,000 points. Conditions Apply.
No cap on the number of points you can earn.
Flexibility to choose the rewards programs that better suits you.
Add to comparison
Amplify QantasAmplify Rewards
Amplify Qantas or Amplify Rewards
0.5 pt
per $1 spent (QFF)
-

Pros & cons

What's good?

What's not so good?

Earn up to 60,000 bonus Qantas or Amplify Points when you spend $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
Flexibility to choose the rewards programs that better suits you.
If you’re a newcomer to Qantas the $89.50 enrolment fee is FREE!
No cap on the number of points you can earn.
International travel insurance for trips up to 3 months for you and your family. The cover includes medical expenses, unexpected trip cancellation and rental vehicle excess.
24/7 Visa Concierge service to help you make bookings.
Not the best points earning ratio for each dollar you spend on domestic spending.
Overseas transactions get charged a 3% foreign transaction fee of the Australian dollar value.

Our review

Our review of the St.George Amplify Platinum Credit CardReviewed by Yvonne Taylor

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 or Qantas Frequent Flyer – with the potential to acquire frequent flyer points with four separate airlines. And there are first purchase bonus points on offer to get you flying sooner.

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? The choice is yours.

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, Emirates) or a single kind of proprietary rewards system operated by the card issuer (e.g. American Express Membership Rewards or flybuys). 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.

Not planning any interstate or overseas holidays anytime soon? Then chose Amplify Rewards. Enjoy a flying getaway every year? Choose QFF points. When your situation changes, so can your rewards program, immediately. 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 points earning rate for domestic spending

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

  • Amplify points – 1 pt per $1 spent (Amplify)
Or
  • Qantas points – 0.5 pt per $1 spent (QFF)

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 need to chose a more expensive card.

Bonus Amplify points from program partners

Another way to boost the Amplify points earning rate is to spend with Amplify program partners whenever you can. Unfortunately there aren’t too many of these: they are mainly hotels from the Crown, Leisure Inn, Metro and Park Regis groups. 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.

Earn Qantas points directly, or exchange Amplify points for other frequent flyer programs

This card brings you access to award flights on four airlines that between them cover most of the planet. You can choose to 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 Virgin Australia, Singapore Airlines and Malaysian Airlines at the rate 1 pt per $1 spent (Amplify)

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 have arranged for the fee to be waived for new cardholders signing up to 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. They include:

  • 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 apparently 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 the Qantas rewards program because you’ll need to spend less in order 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 points cost than the comparable Qantas redemption.

As an illustration of this point, consider the points cost of a $50 retail gift card. You’ll need 9,100 Amplify points or 8,080 Qantas points to qualify. Qantas sounds cheaper, until you compare the spending required to earn those points: Amplify $9,100, Qantas $16,160. Case closed.

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.
  • 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, for assistance with recommendations and bookings for entertaining and dining, can be useful even in your home town. 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.

Pity about the 3% foreign exchange fee

After all these bonuses for the traveller, it’s unfortunate to see a 3% fee charged 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.

The St. George Amplify Platinum Credit Card may suit you because . . .

  • You can see value in both Amplify Rewards and Qantas Frequent Flyer, and want to be able to switch at will between them
  • You can’t wait to get your hands on the 60,000 points
  • You don’t want a cap to restrict your points earning in any month where you make a major purchase
  • You want to avoid an American Express card because of lower acceptance rates and possible surcharges

Does any of this sound like you? Then this could be your card.

User reviews

4.0 out of 5.0 based on 4 reviews75% of reviewers would recommend this card

Rates and fees
Rewards
Customer service
Convenience
Trust

Reviews from users

I'm very pleased with this card

Reviewed and recommended by Marion on 23 Dec 2014

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.

Lowest interest rate for a rewards card

Reviewed and recommended by Narayan on 27 Apr 2017

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.

Card is useful for frequent flyer points

Reviewed and recommended by Rob on 24 Jun 2016

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 and not recommended by Mark on 13 Jul 2016

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.

Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

The basics

About this card

Card setup
Single
Card tier
Platinum
Card type
Visa
Card use
Personal
Credit rating
Any
Gambling transactions allowed
No
Joint application
Yes
Minimum age
18 years old
Minimum income
N/A
Minimum income for pensioners
$Same as standard
Pensioners
Rewards program
Amplify Qantas or Amplify Rewards
Temporary residents
Yes

Cardholders

Additional cardholders
1
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
$6,000
Maximum credit limit
$80,000

Repayments

Interest charged from
Purchase date
Interest free period
Up to 55 days on purchases
Minimum repayment
2%

Rates & fees

Ongoing interest rates

MonthlyAnnually
Cash advances 1.69% 20.24% p.a.
Purchases 1.62% 19.49% p.a.

Fees

Annual fee
$99 p.a.
Cash advance fee
2%
Dishonour fee
$9
Duplicate statement fee
$4.50
Foreign exchange fee
3%
Late payment fee
$15
Over limit fee
$15
Overseas ATM balance fee
$5
Overseas ATM withdrawal fee
$5
Overseas emergency card replacement fee
$52.50
Transaction verification fee
$0

Rewards & points

Cool stuff you can get with your points

Disclaimer: Does not include taxes, fees, or charges. Accurate as of 25th January 2016.

Rewards program basics

First purchase bonus
60,000 points
Reward points expiry
Never as long as you keep your account active
Rewards program
Amplify Qantas or Amplify Rewards
Spend required for bonus points
$3,000 in 90 days

Earning points with this card

Frequent flyer points
0.5 pt per $1 spent (QFF)
Overseas earn rate
1 pt per $1 spent (Amplify)
Points cap per month
Unlimited
Points cap per year
Unlimited
Points earned on ATO payments
N/A
Reward points
1 pt per $1 spent (Amplify)

Additional benefits

Airport lounge access
No
Complimentary flight voucher
No
Concierge service
Yes

Benefits

This card comes with benefits worth an estimated $1,059

ShoppingEstimated value
Extended warranty
Valuation based on the assumption of making a $250 claim once every 5 years. There is no retail market for all-encompassing extended warranty insurance covering more than one item, so no premium saving.
$50
Purchase protection
Valuation based on the assumption of making a $200 claim once every 5 years. There is no retail market for this type of insurance, so no premium saving.
$40
Travel
Overseas travel insurance
Valuation based on similar annual travel insurance policies available online for trips of up to 60 days.
$801
Transit accident insurance
Valuation based on similar global transit accident insurance policies available online.
$150
Waived Qantas Frequent Flyer joining fee
Valuation based on $89.50 Qantas Frequent Flyer joining fee spread over 5 years. Note that this benefit does not apply if cardholder chooses Amplify Rewards rather than Qantas Frequent Flyer points.
$18
Total estimated value$1,059
Annual fee$99
Net customer value$960
Disclaimer: Details of who, what, and where coverage applies to, as well as its duration and any coverage limitations will be listed in the credit card insurance product disclosure statement (PDS) on the card issuer's website. The names/labels of complimentary insurance products may differ from one issuer to another. Terms and conditions apply. Always check the insurance PDS when considering a financial product. Accurate as of 31st October 2015.

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Earn a regular any weekly income
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Joint applications are allowed
Temporary residents are eligible
Age Pension, Disability Pension and Widower's Pension are acceptable.
Family Tax Benefits and Parenting Payments is acceptable.
Youth Allowance is not acceptable.
Disclaimer: The minimum criteria pointers are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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