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Card Overview
The St.George Amplify Rewards Platinum Card has up to 100,000 bonus Amplify Points (can get you up to $450 in eGift cards) and a reduced first year annual card fee of $99 p.a. + $75 Amplify Rewards Program Fee on offer for new cardholders, along with a range of complimentary insurances.
Key Attributes
Earn
Amplify Rewards Points per $1
2 points
on international spend
1.25 points
on everyday spend
1 point
on all eligible purchases. Once you spend $5,000 in a statement cycle, you will earn 0.5 Amplify Points per $1 on further eligible purchases.
Travel Benefits
Travel Insurance
Complimentary overseas Travel Insurance (PDS)
Bonus Minimum Spend
$3,000
$3,000 spend in the first 90 days, then make an eligible purchase in year 2
Annual Fee
$174 p.a.
$99 on the first year ($175 p.a. ongoing) + $75 annual Amplify Rewards fee
Points Cap
Yes
Once you spend $5,000 in a statement cycle, you will earn 0.5 Amplify Points per $1 on further eligible purchases
ATO Points
No
Overseas Transaction Fee
3%
of the converted amount
Interest-free period
Up to 45 days
Purchase Rate
23.98% p.a.
Cash Advance Rate
23.99% p.a.
Why Choose This Card
This card is a smart choice for travellers who want to earn flexible rewards points without stepping into the high-fee, premium card tier. Sitting just below the Amplify Signature in the Amplify range, it comes with a more accessible annual fee, slightly lower earn rates and fewer perks, while still offering plenty of value for travellers.
You’ll earn 2 Amplify Points per $1 on international purchases and 1.25 Points per $1 on everyday spend, making it a solid option for steadily building your points balance through regular spending. While the earn rates aren’t as generous as the Signature card, the lower annual fee helps balance the trade-off, particularly for those who don’t spend enough to justify moving up to the premium option.
We also like that the Platinum includes international travel insurance, adding a useful layer of cover when travelling overseas. Overall, the combination of a lower annual fee, solid earn rates and useful travel benefits makes the Amplify Platinum an appealing middle ground between a basic rewards card and the more premium Amplify Signature.
This guide references some of the benefits of insurance policies provided with this card. You should read the PDS and obtain independent professional advice before obtaining this product.
Extra Benefits
Mobile Wallet
Apple Pay, Google Pay and Samsung Pay
St.George is offering up to 100,000 bonus Amplify Points and a reduced first-year card fee of $99 for new cardholders of the Amplify Rewards Platinum Card.
The bonus is split into two parts, with the first 75,000 bonus Amplify Rewards Points to be received after spending a minimum of $3,000 on eligible purchases within the first 90 days of approval and an additional 25,000 bonus Amplify Rewards Points after your first eligible purchase in year 2.
The St.George Amplify Rewards Platinum Card offers an effective points earn rate of up to 0.5 frequent flyer point per dollar on most of the linked frequent flyer programs to Amplify Rewards. The strength of Amplify Rewards is its ability to be transferred to multiple rewards partners, offering flexibility in how you redeem your points.
The Amplify family includes cards offered by St.George, Bank of Melbourne and BankSA. This guide covers the different earn rates, caps and benefits of the St.George Platinum Visa – Amplify Rewards variant. We also cover the St.George Amplify Rewards Signature in a separate guide.
Digging into the details of the St.George Amplify Rewards Platinum
The St.George Amplify Rewards Platinum offers 2 Amplify Points per $1 on international spend, 1.25 Points per $1 on everyday spend, and 1 Point per $1 on all other eligible spend, up to $5,000 per statement period. Then 0.5 Amplify Points per $1 thereafter, uncapped.
Card Details
| Card | St.George Amplify Rewards Platinum Card |
| Loyalty program | Amplify Rewards |
| Points earned from spend | 2 Amplify Points per $1 on international spend 1.25 Amplify Points per $1 at major supermarkets, department stores, petrol, utilities 1 Amplify Point on all other eligible transactions |
| Points cap | $5,000 per statement period then 0.5 Amplify Points per $1 thereafter, uncapped |
| Insurance | Overseas travel insurance, extended warranty on purchases etc. (PDS) |
| Overseas transaction fee | 3% of the converted amount |
| Mobile wallet | Apple Pay, Google Pay and Samsung Pay |
| Card fee | $175 p.a. card fee + $75 Amplify Rewards Fee ongoing |
Effective Frequent Flyer Program Point Earn Rates
| Frequent Flyer Program | International Spend | Everyday Spend | Other eligible Spend |
|---|---|---|---|
| Velocity Points | 0.5 points / $ | 0.31 points / $ | 0.25 points / $ |
| Singapore Airlines KrisFlyer miles | 0.5 miles / $ | 0.31 miles / $ | 0.25 miles / $ |
Finally, it is worth noting the card terms in relation to loyalty points are here.
Amplify Rewards vs Qantas Points
The St.George Amplify Platinum Visa also has a Qantas Rewards variant that earns up to 0.75 Qantas Points per $1 on spend. Otherwise, earn rate is up to 2 Amplify Rewards Points per $1 on eligible purchases on the Amplify Rewards variant.
We cover the details of the Amplify Rewards and its frequent flyer transfer partners in a separate guide.
St.George Apple Pay, Google Pay & Samsung Pay support
St.George cards support Apple Pay & Google Pay & Samsung Pay, meaning you can use this card on your smartphone for easier payments. Find out more in our guides for each of the compatible services.
Summing Up
The St.George Amplify Rewards Platinum could be a useful card for those who are looking for non-Amex cards that earn points on spend and offers flexibility in how you use them, without a particularly expensive card fee.
Bonus offers can be hit and miss on the Amplify range, but when they are on offer, these cards are worth considering. Those looking for more features like lounge access and other travel perks however might find the Amplify Signature cards more appealing.
Eligibility Criteria
These are the minimum requirements to be eligible to apply for this Card. Other additional eligibility criteria, such as proof of income, will generally be required later on.
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Be aged 18 years or over
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Be an Australian citizen, permanent resident, or hold a long-term visa
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Minimum income required $30,000 p.a.
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Have a good credit history and no payment defaults
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To be eligible for the bonus offer, you must not currently hold, or have held in the last 24 months, an Amplify, Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA. Credit card product switches, upgrades and Westpac Group staff are not eligible for this offer.
Frequently Asked Questions
How does the Complimentary International Travel Insurance work and am I eligible for it?
You’ll automatically apply the complimentary international travel insurance if you prepay $500 of your travel costs to your eligible card and hold a return overseas ticket before departing Australia.
What do the complimentary insurances cover?
The card includes international travel insurance, transit accident insurance, purchase protection, extended warranty on eligible items, rental vehicle excess cover in Australia, and interstate flight inconveniences.
Can I access lounges with this card?
No, this card does not include complimentary lounge invitations. Lounge access typically comes with the higher-tier Amplify Rewards Signature card.
Who is eligible for the sign-up bonus?
The sign-up bonus points offer is not available if you’ve held an Amplify, Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, or who have held one in the last 24 months.