Our verdict

This platinum rewards card offers up to 50,000 bonus Qantas Points and complimentary travel insurance, with a discounted $174 first-year annual fee.

The St.George Amplify Qantas Platinum card's 50,000 bonus Qantas Points offer would give you enough points to fly return from Sydney to Brisbane in business class (36,800 Qantas Points), with some to spare. Or it's enough for $225 worth of JB Hi-Fi digital gift cards (46,770 points for 2 gift card worth $100 and 1 gift card worth $25).

This card also rewards you with complimentary travel and purchase insurance covers and charges one of the most competitive annual fees in its category. If you prefer to earn Amplify Points for your spending, you could consider the St.George Amplify Platinum with Amplify rewards.

Pros

50,000 bonus Qantas Points
$174 first-year annual fee ($199 p.a. thereafter), including Qantas fee
Earn 0.5 Qantas Point per $1 spent
Complimentary travel and purchase insurances
Shopping cashbacks through ShopBack

Cons

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

The St.George Amplify Qantas Platinum 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.

If you're a new cardholder, you can get extra value from the 50,000 bonus Qantas Points offer, which is available when you apply for the St.George Amplify Qantas Platinum card, get approved by 30 April 2025 and spend $3,000 on eligible purchases within the first 90 days of card approval. Eligible purchases include everyday spending on things like groceries, accomodation, flights, concert tickets, shopping, takeaways and coffees. Eligible purchases generally don't include things like cash advances, interest charges, gambling, and BPAY payments. It also offers an annual fee discount of $174 in the first year. After the first year, the annual fee and rewards fee add up to $199.

Details

Product details

Product Name	St.George Amplify Qantas Platinum
Purchase rate p.a.	Purchase rate p.a. 20.99%
Interest-free period	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	50,000
Rewards points per $ spent	0.5
Rewards points cap	100,000

Fees

Annual fee	Annual fee $174 first year ($199 after)
Minimum monthly repayment	2% of the closing balance or $10, whichever is greater
Late payment fee	$15
Foreign currency conversion fee	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.

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

50,000 bonus Qantas Points. New customers will earn bonus Qantas Points when you apply, get approved by 30 April 2025 and spend $3,000 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.
Discounted first-year annual fee. Save with a reduced annual fee of $174 in the first year when you apply by 30 April 2025. This includes both standard fee and Qantas Rewards fee, and reverts to $199 after that.

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. Outside of any promotions, this card charges a total annual fee of $199.
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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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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Charlie

April 01, 2024

With reference to the minimum $3K spend on eligible purchases, what are eligible purchases? I cannot find this anywhere in the terms and conditions.

Sarah Megginson Finder

April 02, 2024

Hi Charlie,

Eligible purchases include everyday spending on things like groceries, accomodation, flights, concert tickets, shopping, takeaways and coffees. Eligible purchases generally don’t include things like cash advances, interest charges, gambling, BPAY payments and balance transfers.

Hope this helps!

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St.George Amplify Qantas Platinum

Pros

Cons

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Required documents

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Rates & fees

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