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St.George Amplify Platinum Credit Card (Qantas)
4.2
Highlights
- Earn 50,000 Qantas Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
- Earn 0.5 points for every $1 spent on eligible domestic and overseas purchases.
- Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
- Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
Pros and cons
Pros
Cons
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
Yes
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
1
Additional Card Fee Ongoing
$0.00
Credit limits
Minimum Credit Limit
$6,000.00
Maximum Credit Limit
$80,000.00
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
21.99% 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
20.99% p.a.
Account fees
Annual Fee Initial Year
$99.00
Annual Fee Ongoing
$124.00
Dishonour Fee
N/A
Duplicate Statement Fee
N/A
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$15.00
Rewards
Rewards program basics
Rewards Program
Amplify Qantas
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
None
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
0.50
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
0.50
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
Yes
Cardholder's International Travel Insurance
Yes
Cardholder's Interstate Flight Inconvenience
Yes
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
Yes
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
No
Our review
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The basics
- Additional cardholders. You can add one additional cardholder for free for this card. Note that you will be responsible for managing the account and making repayments.
- Digital wallets. This card supports Apple Pay, Google Pay, and Samsung Pay.
- Gambling transactions. St.George has blocked gambling-related purchases on the Amplify Platinum Credit Card.
Rewards and benefits
- Complimentary travel insurance. The St.George Amplify Platinum Credit Card (Qantas) provides cardholders with complimentary international travel insurance coverage. Eligibility criteria apply and the card must have been used to purchase eligible travel expenses prior to departure for the cover to be active.
- Concierge services. The St.George Amplify Platinum Credit Card (Qantas) does not include a concierge service.
- Rewards points. St.George Amplify Platinum Credit Card (Qantas) holders earn 0.5 Qantas Points for every $1 spent on eligible purchases in Australia and overseas. Points are capped at $100,000 per year and remain valid until the account is closed.
- Sign-up bonus. St.George offers a signup bonus of 50,000 points when you spend $3000 on eligible purchases in the first 90 days.
Rates and fees
- Annual fee. The annual fee for this card is $99.
- Balance transfers. The St.George Amplify Platinum Credit Card (Qantas) currently does not have an introductory balance transfer.
- Cash advances. Cash advances will attract a higher of 21.99% p.a. or Cash Advance Rate, with interest accruing immediately from the date of the cash advance transaction. You will be charged a one-off cash advance fee in addition to interest for any cash advances made with this card.
- Foreign exchange fee. Purchases made in a foreign currency online or while travelling overseas will incur a 3% foreign exchange fee.
- Interest-free period. The St.George Amplify Platinum Credit Card (Qantas) offers up to 55 days interest-free on purchases (except cash advances) when you pay your previous balance in full or make the minimum required payment.
- Purchases. The St.George Amplify Platinum Credit Card (Qantas) does not have any introductory offer on purchases. Purchases will incur interest at the rate of 20.99% p.a.
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