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St.George Amplify Rewards Platinum Card Guide
The St.George Amplify Rewards Platinum card earns Amplify Rewards Points with no cap, which can be transferred to Velocity points or KrisFlyer miles.
- Signup bonus
- 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
- Points Earned
- 1 Amplify Points for every $1 spent on eligible purchases
- Annual fee
- $49 for the first year, $124 p.a. ongoing
Australian Frequent Flyer is currently not accepting applications for this card offer.
Get notified when it’s live.
Why we like the St.George Amplify Rewards Platinum card
If you’re looking for a credit card in Australia that earns points which can be transferred to Virgin Australia Velocity or Singapore Airlines KrisFlyer, look no further than the St.George Amplify Rewards Platinum card.
You’ll earn 1 Amplify Point per dollar spent, with no cap. 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 90,000 Amplify Points is worth up to $400 in gift cards.
The St.George Amplify Rewards Platinum credit card also includes other great perks. In addition to complimentary overseas travel insurance, you’ll receive extended warranty on purchases and 0% p.a. for 24 months on balance transfers.
Key Information & How to Apply
Key facts about this card
- Card type
- Visa
- Signup bonus
- 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
- Annual fee
- $49 for the first year, $124 p.a. ongoing
- Interest rate
- 19.49% p.a.
- Interest-free days
- Up to 55 days
- Minimum monthly repayment
- 2% of outstanding balance or $10, whichever is higher
- Minimum credit limit
- $6000
- International transaction fee
- 3%
To apply for this card, you will need
- To be an Australian citizen, resident or long-term visa holder aged 18 or over
- No history of bad debt or payment default
- Your Australian driver’s licence number and proof of income
- 10-15 minutes to complete your application
Australian Frequent Flyer is currently not accepting applications for this card offer.
Get notified when it’s live.
Contents
Sign-up bonus
Earn 90,000 bonus Amplify Rewards points when you apply for a St.George Amplify Platinum credit card by 30 November 2023! That’s equivalent to 45,000 Virgin Australia Velocity points or 30,000 Singapore Airlines KrisFlyer miles, or up to $400 in gift cards.
To be eligible for the bonus points, you would need to spend $3,000 or more on eligible purchases within the first 3 months 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.
To give you an idea of how to redeem KrisFlyer miles, you can fly from Perth to Bangkok via Singapore one-way in Singapore Airlines Business Class for 40,500 KrisFlyer miles + approximately $96 in taxes.
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 1 point per $1 spent on eligible transactions. This excludes government payments. If you’re planning to convert Amplify Points to a frequent flyer program, you’ll effectively earn 0.5 Velocity points or 0.33 KrisFlyer miles per dollar.
There’s no monthly or annual cap on points, so you can pocket unlimited points at the full rate.
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.
You can, however, use this card to pay tax and other bills through a payment service like pay.com.au to earn points.
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 | 1 Amplify point equals… |
|---|---|
| Singapore Airlines KrisFlyer | 0.33 miles |
| Virgin Australia Velocity | 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
- Earn flexible points towards Amplify Rewards then transfer them to KrisFlyer miles, Velocity points, or redeem for products or gift cards
- Uncapped earn on points
- Reduced annual fee of $49 in the first year
- 0% p.a. for 24 months on balance transfers
- Complimentary overseas travel insurance, extended warranty insurance and price guarantee
- Compatible with Apple Pay, Google Pay & Samsung Pay
- Store your Amplify Points and transfer them to Velocity or KrisFlyer as needed to avoid the 3 year expiry on KrisFlyer miles
Cons
- Overseas transaction fees apply
- No complimentary lounge access
- No birthday bonus points (as is offered by the St.George Amplify Signature card)
- High interest rate on purchases (this is a potential issue if you think you’re unable to repay your balance in full each month)
- Signup bonus
- 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
- Points Earned
- 1 Amplify Points for every $1 spent on eligible purchases
- Annual fee
- $49 for the first year, $124 p.a. ongoing
Australian Frequent Flyer is currently not accepting applications for this card offer.
Get notified when it’s live.
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 and the birthday bonus points. Additionally, the St.George Amplify Rewards Signature card earns 1.5 Amplify Points per dollar, while the St.George Amplify Rewards Platinum earns at a rate of 1:1.
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.