St.George Amplify Business Credit Card

On St.George's website

St.George Amplify Business Credit Card

4.2

Balance transfer

N/A

Purchase rate

19.49% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$0.00 for 1st year

Highlights

  • Choose between Amplify Rewards or Qantas Frequent Flyer rewards.
  • Earn Amplify Points as follows: 2 points per $1 spent overseas, 1 point per $1 on Australian purchases, and 0.5 points per $1 on government payments.
  • Earn Qantas Points as follows: 1 point per $1 spent overseas, 0.5 points per $1 on Australian purchases, and 0.25 points per $1 on government payments.

Pros and cons

Pros

  • No cap on how many points can be earned from eligible spending.
  • $0 annual card fee for the first year ($89 p.a. thereafter).
  • Get up to 3 additional cards for employees at no additional cost.
  • Includes transit accident insurance and unauthorized transaction insurance.
  • This card simplifies tax reporting with direct exports to MYOB, BAS, or Excel.

Cons

  • The cash advance interest rate of 20.24% p.a.
  • Relatively few additional cardholders.

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes

Eligibility

Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Below Average, Fair, Good, Very Good, Excellent
Minimum Income
N/A
Temporary Residents Accepted
Yes

Additional cardholders

Additional Cardholders
3
Additional Card Fee Ongoing
$0.00

Credit limits

Minimum Credit Limit
$1,000.00
Maximum Credit Limit
N/A

Repayments

Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
2%

Balance transfers

Balance transfer offer

Balance Transfer Rate
N/A
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A

Balance transfer conditions

Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A

Rates, fees, charges

Cash advances

Cash Advance Rate
20.24% p.a.
Cash Advance Fee
N/A
Cash Advance Fee Percentage
3%
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
19.49% p.a.

Account fees

Annual Fee Initial Year
$0.00
Annual Fee Ongoing
$89.00
Dishonour Fee
N/A
Duplicate Statement Fee
N/A
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$0.00

Rewards

Rewards program basics

Rewards Program
Amplify Rewards
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
None

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
1
Government Rewards Points Earn Rate
0.50
Overseas Rewards Points Earn Rate
2.00

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
Yes

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A

Our review

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    As seen on

    Media - The Sydney Morning Herald
    Media - Yahoo Finance
    Media - News.com.au
    Media - Daily Mail Australia
    Media - Australian Fintech
    Media - Dynamic Business