Our verdict

This platinum rewards card offers up to 75,000 bonus Qantas Points and complimentary travel insurance, with a $199 annual fee.

The St.George Amplify Qantas Platinum Card currently has a 75,000 bonus Qantas Points offer, which is available when you spend $4,000 on eligible purchases within the first 90 days of card approval. You could redeem 75,000 points for a return economy class flight from Sydney to Hong Kong (50,400 points) or a return business class flight from Brisbane to Adelaide (55,200 points) with points to spare.

This card also gives you a way to earn 0.5 Qantas Point per $1 spent on eligible purchases and offers complimentary travel and purchase insurance options. While the earn rate isn't as high as some other Qantas Frequent Flyer credit cards, it is competitive with cards that have similar annual fees.

Pros

75,000 bonus Qantas Points
Complimentary travel and purchase insurances
Shopping cashbacks through ShopBack

Cons

The earn rate of 0.5 Qantas Points per $1 spent is lower than some other platinum cards
Does not offer airport lounge passes

Details

Product details

Product Name	St.George Amplify Qantas Platinum
Purchase rate p.a.	Purchase rate p.a.20.99%
Interest-free days	Up to 55 days on purchases
Cash advance rate p.a.	21.99%
Min credit limit	$6,000
Max credit limit	$80,000
Card type	Visa

Eligibility

Available to temporary residents	Yes - Conditions apply
Joint application	No

Rewards

Rewards program	Qantas Frequent Flyer
Bonus points	75,000
Rewards points per $ spent	0.5
Rewards points cap	100,000

Fees

Annual fee	$199
Minimum monthly repayment	2% of the closing balance or $10, whichever is greater
Late payment fee	$15
Foreign currency conversion fee	3%
Cash advance fee	3%
Overseas cash advance fee	3% of each cash advance amount
Additional cardholder fee	$0
Number of additional cardholders	1

How to apply

You can apply for the St.George Amplify Qantas Platinum card online in 10 minutes and receive a response instantly. Before you get started, check if you meet the eligibility criteria and organise the necessary information to complete the application.

Eligibility criteria

New customer. To be eligible for the bonus points offer, you must apply for a new card and cannot hold or have held an Amplify Platinum or Amplify Signature issued by St.George, Bank of Melbourne or BankSA in the previous 12 months.
Residency. To apply, you must be an Australian citizen or permanent resident.

Age. You must be at least 18 years old.
Existing customers. You must be an existing St.George customer to be eligible for the discounted first-year annual fee offer.

Required documents

Personal details. This includes your full name, date of birth, residential address, marital status and number of financial dependents.
Proof of identification. You'll need to provide copies of ID including your Australian driver's licence, Medicare card, Passport, Australian birth certificate or NSW photo card.
Finances. You can confirm your income with recent payslips or bank statements. You'll also need to list your assets, liabilities and expenses.
Employment. List your current place of employment and provide your employer's contact information.
Qantas Frequent Flyer number. To ensure your Qantas Points are credited to your account, you need to provide your Qantas Frequent Flyer membership number.

Card benefits

75,000 bonus Qantas Points. New customers will earn bonus Qantas Points when you spend $4,000 on eligible purchases within the first 90 days of card approval. The bonus points will be added to your balance within 12 weeks after the spend criteria is met.
First-year annual fee discount for existing customers. Existing St.George customers can save with a reduced $124 annual fee in the first year, which reverts to $199 p.a. thereafter (including $75 Qantas fee).

The Amplify Qantas Rewards Program. You'll earn 0.5 Qantas Point per $1 up to a maximum of $100,000 spent on eligible purchases per year (bonus Qantas Points not included in the cap).
Travel insurance covers. You can travel with peace of mind and save thanks to complimentary travel insurance covers when you use this card to pay for travel. The cover is valid for you, your spouse and any dependent children travelling with you for up to three months. These covers include transit accident insurance, interstate flight inconvenience insurance, overseas travel insurance, and rental vehicle excess insurance in Australia.
Purchase covers. When you use this card to make purchases, you'll receive complimentary purchase security insurance and extended warranty insurance.
Shopping cashbacks. As an eligible St.George credit card holder, you can get cashbacks when you shop with your card on the online rewards platform ShopBack.
Mobile payment technology. Enjoy making contactless payments straight from your compatible phone or device by adding this card to your Apple Pay, Samsung Pay or Google Pay wallet.
Fraud protection. Your account is protected by round-the-clock monitoring, so you'll be alerted immediately if the system detects any suspicious activity.

Rates & fees

Annual fee. This card charges a standard annual fee of $199. This includes both $124 standard fee and $75 annual Qantas Rewards fee.
Interest rate on purchases. Purchases on your platinum card will be charged at the variable interest rate of 20.99% p.a.

Interest-free period. You will receive up to 55 days interest-free on new purchases when you pay your monthly payment balance listed on your statement in full by the payment due date. Note that these interest-free days are separate from any longer-term interest rate promotions and the monthly payment balance excludes current balance transfers.
Cash advances. If you use your card to make a cash advance (such as an ATM withdrawal), the transaction will immediately attract the 21.99% p.a. interest rate. A fee of 3% of each cash advance amount will apply.
Credit limits. While there is no guarantee you will be granted your requested amount, you can request a credit limit between $6,000 and $80,000.
Overseas spending. If you use your card to make a foreign transaction overseas or online with an international merchant, you’ll be charged a fee of 3% of the Australian dollar value.
Additional cards. You can add a family member to your account, with their own credit card to use and the ability to earn points for no additional cost.

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Amy Finder

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Leanne

December 12, 2024

Is there a wage earning requirement to apply for the amplify platinum card?

Sarah Megginson Finder

December 12, 2024

Hi Leanne, I checked both the credit card T&Cs and the Amplify T&Cs, but neither of them mentioned a minimum income. You may want to contact St George directly to see if they’re able to share this info.

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Seth

November 16, 2024

What do they mean with Rewards Points Cap?

Is that earned p.a., p.m, or max points one can accumulate?

Tx 😊

Richard Whitten Finder

November 18, 2024

Hi Seth,

With this card the rewards point cap refers to an annual limit. It’s a bit complicated but basically you earn 0.5 Qantas Points per $1 spent, capped after you spend $100,000 a year. It resets annually.

Neidi

August 04, 2024

Could you clarify whether the required spending amount is $3000 each month for three months, total of approximately $9000 over 90 days, or if $3000 is the total amount to be spent over the 90 days?

Thanks.

Sarah Megginson Finder

August 09, 2024

Hi Neidi, It’s a total of $3,000 over 3 months.

Timothy

May 26, 2024

Are there any restrictions on the bonus Frequent Flyer points (e.g. if i received bonus points from another card in the last 12 mths)?

Sarah Megginson Finder

May 27, 2024

Hi Timothy,

You can earn as many bonus points with as many different providers as you are eligible and approved for!

There might be terms and conditions within each provider; for instance, Qantas Premier Platinum Mastercard regularly offers bonuses of up to 10,000 points for taking out a payment instalment plan, but this is limited to one bonus offer per month. Also if you are eligible for and receive an AMEX bonus with one bank, there may be terms and conditions that make you ineligible for another AMEX offer within 12 months, even with a different bank.

Hope this helps!

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zhette

May 07, 2024

with regards to the minumum 3k spend on eligible purchases, is school fees considered eligible purchase?

Sarah Megginson Finder

May 13, 2024

Hi Zhette,

Eligible spending usually means everyday spending: groceries, coffees, lunches, shopping, concert tickets, transport fares, ubers, travel etc. School fees should be fine as part of that spending.

Ineligible spending usually includes things like cash advances, online gambling, interest payments, fees, refunds etc.

Hope this helps!

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Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full profile

St.George Amplify Qantas Platinum

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