St.George Amplify Rewards Platinum Card Guide
The St.George Amplify Rewards Platinum card earns Amplify Rewards Points with no cap. Choose to earn Amplify Rewards points if you want the flexibility of redeeming your points on a range of gift cards, travel, saving on groceries and more
2 Amplify Points per $1 on international spend, 1.25 Amplify Points per $1 on everyday spend, and 1 Amplify Points per $1 on all other eligible spend up to $5,000 per statement period. Then 0.5 Points per $1 thereafter, uncapped
Overseas Travel Insurance, Extended Warranty Insurance and Price Guarantee
Apple Pay, Google Pay & Samsung Pay support
Why we like the St.George Amplify Rewards Platinum card
If you want the flexibility of redeeming your points on a range of gift cards, travel, saving on groceries and more, look no further than the St.George Amplify Rewards Platinum card.
You’ll earn up to 2 Amplify Points per dollar spent. Once you spend $5,000 in a statement cycle, you will earn 0.5 Amplify points per $1 on further eligible purchases. Amplify Points can be converted to Velocity points at a rate of 2:1, or KrisFlyer miles at a 3:1 ratio. If you’d rather utilise your points elsewhere, the current sign-up bonus of 100,000 Amplify Points is worth up to $450 in gift cards.
The St.George Amplify Rewards Platinum credit card also includes other great perks. In addition to the bonus points, you’ll also get complimentary overseas travel insurance and extended warranty on purchases.
Key Information & How to Apply
Key facts about this cards
- Signup bonus
- Up to 100,000 bonus Amplify Points (can get you up to $450 in eGift cards), when you spend $3,000 or more on eligible purchases within the first 3 months of approval and an additional 25,000 bonus points if you keep your account open for more than 12 months and continue to use the card.
- Annual fee
- $99 first year card fee, $175 p.a. ongoing
- Interest rate
- 20.99% p.a.
- Interest-free days
- Up to 55 days
- Minimum monthly repayment
- 2% of outstanding balance or $10, whichever is higher
- Minimum credit limit
- $6,000
- International transaction fee
- 3.0%
To apply for this card, you will need
- To be an Australian citizen, resident or long-term visa holder aged 18 or over
- Have a good credit history and no payment defaults
- Your Australian driver’s licence number and proof of income
- 10-15 minutes to complete your application
Contents
Sign-up bonus
Earn up to 100,000 bonus Amplify Rewards Points when you apply for a St.George Amplify Platinum Card.
To be eligible for the bonus points, you would need to spend $3,000 or more on eligible purchases within the first 90 days of card approval.
This offer is not available to existing St.George, BankSA or Bank of Melbourne cardholders, or those who have held a credit card from any of these banks in the last 12 months.
Travel benefits
The St.George Amplify Rewards Platinum credit card includes travel insurance for overseas, as well as eligible domestic trips. If you’re looking for additional travel benefits, such as lounge passes and access to Visa Luxury Hotels, you may want to consider the St.George Amplify Rewards Signature credit card.
Complimentary travel insurance
St.George Amplify Rewards Platinum cardholders receive complimentary overseas travel insurance. Interstate flight inconvenience insurance and rental vehicle access cover is also included.
The card’s insurance benefits are underwritten by Allianz. To be eligible for the complimentary international travel insurance, you must:
- Reside in Australia,
- Be aged under 81 at the time you’re eligible for insurance,
- Begin and end your journey in Australia,
- Hold a return overseas travel ticket before you leave Australia, and
- Spend at least $500 on travel expenses on your St.George Amplify Rewards Platinum credit card before departing Australia.
Before using the complimentary travel insurance on your St.George Amplify Platinum card, ensure you read the PDS here.
Earning points
With a St.George Amplify Rewards Platinum card, you’ll earn points towards the Amplify Rewards program at a rate of 2 points per $1 on international spend, 1.25 points per $1 on everyday spend, and 1 point per $1 on all other eligible spend up to $5,000 per statement period, then 0.5 Amplify Points per $1 thereafter, uncapped. This excludes government payments.
There is no expiry on Amplify Rewards points, as long as you keep your account active.
Some frequent flyer programs, like Singapore Airlines KrisFlyer, have an expiry date on points. If your goal is to transfer Amplify points to an airline partner, it’s best to hold onto them until you’re ready to book, or if a great bonus offer comes up.
Note that Amplify Points can not be transferred to Qantas points. However, you can earn Qantas points directly with the St.George Amplify Qantas Signature card.
Earning points for ATO & government payments
You won’t earn any points from direct payments to the Australian Tax Office (ATO) or other Australian government bodies when using your St.George Amplify Platinum credit card.
Using Amplify Points
You can transfer Amplify Points to the following frequent flyer programs. Note that there is a minimum transfer of 3,000 points per transaction.
| Transfer partners | International Spend | Everyday Spend | Other eligible Spend |
|---|---|---|---|
| Singapore Airlines KrisFlyer | 0.66 miles | 0.41 miles | 0.33 miles |
| Virgin Australia Velocity | 1 point | 0.625 points | 0.5 points |
See our Overview of Amplify Rewards Transfer Partners for more information.
Alternatively, you could also redeem Amplify Points for:
- Gift cards
- Movie tickets, wine, tech gadgets, appliances and more
- Flights, hotels, car hire and other travel bookings.
Summary
Pros
- Complimentary travel and purchase insurances
- Up to 55 days interest-free on purchases
- Lower annual card fee than the Amplify Signature card
- Compatible with Apple Pay, Google Pay & Samsung Pay
- Ability to store your Amplify Points and transfer them to Velocity or KrisFlyer as needed to avoid the 3 year expiry on KrisFlyer miles
Cons
- High interest rate on purchases (this is a potential issue if you think you’re unable to repay your balance in full each month)
- No complimentary lounge access or Concierge services
2 Amplify Points per $1 on international spend, 1.25 Amplify Points per $1 on everyday spend, and 1 Amplify Points per $1 on all other eligible spend up to $5,000 per statement period. Then 0.5 Points per $1 thereafter, uncapped
Overseas Travel Insurance, Extended Warranty Insurance and Price Guarantee
Apple Pay, Google Pay & Samsung Pay support
Frequently Asked Questions (FAQs)
To apply for a St.George Amplify Rewards Platinum credit card, you would need to be aged 18 or over and an Australian citizen, resident or long-term visa holder. You’ll also need a residential address in Australia and a verifiable Australian taxable income.
The minimum credit limit is $6,000.
The St.George Amplify Rewards Signature card offers more perks than the St. George Amplify Rewards Platinum credit card. The latter has a lower annual fee, a lower minimum credit limit, and also excludes complimentary lounge access. Additionally, St.George Amplify Rewards Signature card earns up to 3 Amplify Points per dollar, while the St.George Amplify Rewards Platinum earns up to 2 Amplify Points per dollar.
Amplify Points do not expire as long as your account remains active and in good standing. If your goal is to transfer Amplify Points to a frequent flyer program, you can keep the points in your account then transfer them when you’re ready to book a flight.
Yes, the St.George Amplify Rewards Platinum credit card is compatible with Apple Pay, as well as other contactless payment solutions like Google Pay and Samsung Pay. Adding this card to your digital wallet means you can make payments on the go without the need for a physical card.
Yes, as long as the second cardholder is at least 16 years of age.
To transfer Amplify Points to airline partners, including KrisFlyer, simply log into your Amplify Rewards Account via the website or mobile app. You can also call the St.George Amplify Rewards Centre on 1300 489 586.
No, you cannot transfer Amplify Rewards Points to Qantas points. If you’re looking for a credit card in Australia that earns Qantas points directly, you may want to consider the St.George Amplify Qantas Signature card.
