Review: St.George Amplify Platinum Visa card

Take home an easy 70,000 bonus Qantas Points when you apply by February 9 2021 and spend $1,500 each month for three months.

Overall Rating

By Chris Chamberlin, September 10 2020
St.George Amplify Platinum Visa card

Executive Traveller may receive a commission when you apply for these credit cards via our links.

You should seek independent advice and consider your own personal circumstances before applying for any financial product.

FF Program

Amplify Qantas, or Amplify Rewards (convert to Velocity, KrisFlyer, Enrich)

Sign Up Bonus

70,000 Qantas Points, via Amplify Qantas

Annual Fee

$99 ($0 first year with Amplify Rewards)

Interest Rate

19.74% p.a. on purchases
21.49% p.a. on cash

The Good
  • Low annual fee, also waived in the first year with Amplify Rewards
  • Choose either Amplify Qantas or Amplify Rewards
The Bad
  • Average frequent flyer earning rate
Added Value
  • No points capping
Fees and interest
Points earned
Lounge access


Giving you a low annual fee and the equivalent of 0.5 airline frequent flyer points per dollar spent via Amplify Qantas Rewards or through the Amplify Rewards scheme, St.George's Amplify Platinum Visa credit card can be an affordable way to rack up rewards without breaking the bank.

Backed by Westpac but issued under the St.George banner, there's no limit to the number of points you can earn every month or year via either option – and if you add an additional cardholder to your account at no charge, you could earn points even faster.

St.George Amplify Platinum card: fast facts

  • Grade/tier: Platinum
  • Card type: Visa
  • Loyalty variants: Amplify Qantas (Qantas Points) or Amplify Rewards (Amplify Points)
  • Qantas Points earned per A$1 spent (Amplify Qantas): 0.5 
  • Amplify Points earned per A$1 spent (Amplify Rewards): 1.0 
  • 1 Amplify Point ($1 spent) = 0.5 Velocity Points, 0.5 Singapore Airlines KrisFlyer miles or 0.5 Malaysia Airlines Enrich miles via 2:1 conversion
  • Points capping/tiering: None

Amplify Platinum: fees, charges and interest

  • Annual fee (with Amplify Qantas): $99 (first and subsequent years)
  • Annual fee (with Amplify Rewards): $0 first year, $99 thereafter
  • Additional/supplementary cardholder fee: $0
  • Interest rate on purchases (with Amplify Qantas): 19.74% p.a.
  • Interest rate on purchases (with Amplify Rewards): 0% p.a. for 7 months, then 19.74% p.a.
  • Interest-free days on purchases^: Up to 55
  • Interest rate on cash advances: 21.49% p.a.
  • International transaction fee: 3.0%
  • Minimum income requirement: No defined minimum
  • Minimum credit limit: $6,000

Earning points for free flights:

Select the Amplify Platinum card with Amplify Qantas and you could start your journey with 70,000 bonus Qantas Points when you apply by February 9 2021 and spend $1,500 on eligible purchases each month for three months.

Alternatively, look to the Amplify Platinum card with Amplify Rewards to earn points that can be converted across to Virgin Australia Velocity, Malaysia Airlines Enrich or Singapore Airlines KrisFlyer.

The Amplify Rewards path doesn't currently offer any bonus points, but does come with a 0% p.a. interest rate on purchases for 7 months (reverting to the applicable variable purchase rate after that time), and with no annual fee in the first year ($99 thereafter).

There's also an offer of 0% p.a. for 22 months on balance transfers requested at card application. A 1.5% balance transfer fee applies, and after those 22 months, the rate switches to the variable cash advance rate.

Regardless of the earning option you choose (Amplify Qantas or Amplify Rewards), you'll also be rewarded with the equivalent of 0.5 frequent flyer points for every $1 spent on purchases, with no points capping.

This isn't an exceptionally high earn rate, but not the lowest in the market.

Choose to earn Qantas Points and your bounty will be automatically transferred to Qantas Frequent Flyer each month, while selecting the Amplify Points path gives you the ability to convert your credit card points across to the program's partner frequent flyer programs instead, whenever it's convenient to you.

Airport lounge access:

Access to airport lounges isn't a perk offered on this card.

Free insurance coverage:

You may be covered by complimentary QBE travel insurance on trips of three months or less, provided you charge at least $500 in pre-paid travel costs to the card before leaving Australia.

That could be something simple like your return flight, or if you've booked your trip using frequent flyer points instead, could be $500 of cash costs associated with that frequent flyer booking or even pre-paid hotel stays and other 'overseas itinerary items'.

Restrictions to this cover may apply during the COVID-19 pandemic. For further information or to confirm whether your intended journey is covered by this policy, speak directly with the card issuer or insurance underwriter.

St.George also includes free extended warranty cover of up to 12 months when purchasing selected new appliances using the card, plus transit accident insurance.

However, interstate flight inconvenience insurance, rental vehicle excess insurance, purchase guarantees and access to a 'guaranteed pricing scheme' as offered on some other Platinum cards are notably absent.

St.George Amplify Platinum: the verdict

With an annual fee of just $99 (or $0 in the first year when choosing Amplify Rewards), cardholders who usually travel overseas even one or twice a year and qualify for the inclusive travel insurance package could quickly find the St.George Amplify Platinum card paying for itself.

That's because you may no longer need to purchase your own travel insurance policies every time you fly: simply use your card to pay for the journey or related expenses and you could be all set.

While the frequent flyer earning rates on transactions are on the lower side, they are uncapped.

You also have access to several airline frequent flyer programs, depending on your card choice – Qantas Frequent Flyer via the Qantas Rewards card, or Virgin Australia's Velocity Frequent Flyer, Singapore Airlines' KrisFlyer and Malaysia Airlines' Enrich schemes when earning Amplify Points – which gives you added flexibility.

Also read: St.George Amplify Signature Visa credit card review

Bank disclaimer: ^If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.

Bank disclaimer: New cards only. T&Cs apply.


Executive Traveller may receive a commission when you apply for these credit cards via our links.

You should seek independent advice and consider your own personal circumstances before applying for any financial product.

Chris Chamberlin

Chris Chamberlin is the Associate Editor of Executive Traveller, and lives by the motto that a journey of a thousand miles begins not just with a single step, but also a strong latte, a theatre ticket, and later in the day, a good gin and tonic.


Qantas - Qantas Frequent Flyer

16 Jan 2015

Total posts 8

For the Victorians out there, this is done under "The Bank of Melbourne" brand here.

Qantas - Qantas Frequent Flyer

20 Apr 2016

Total posts 2

confirmed DP, BoM for vic and BankSA for SA/NT

27 Jan 2017

Total posts 2

whats this like with government bpays and betting sites?  no points awarded? 


Qantas - Qantas Frequent Flyer

16 Jan 2015

Total posts 8

depends on which part of the govt. Councils etc. yes, not sure about ATO

Hi Guest, join in the discussion on St.George Amplify Platinum Visa card