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Card Overview
The St.George Amplify Qantas Platinum Credit Card has up to 100,000 bonus Qantas Points on offer for new cardholders. Includes a range of complimentary insurances with a $175 annual fee + a $125 Annual Qantas Rewards Program fee.
Key Attributes
Earn
Qantas Points per $1
0.75 points
on international spend
0.5 points
on everyday spend
0.33 points
on all eligible purchases. Once you spend $5,000 in a statement cycle, you will earn 0.2 Qantas Points per $1 on further eligible purchases.
Travel Benefits
Travel Insurance
Complimentary overseas Travel Insurance (PDS)
Bonus Minimum Spend
$8,000
$4,000 spend in the first 90 days, plus another $4,000 in the 90 days after your first card anniversary
Annual Fee
$300 p.a.
$175 + $125 annual Qantas Rewards Program fee
Points Cap
Yes
Once you spend $5,000 in a statement cycle, you will earn 0.2 Qantas 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
The St.George Amplify Platinum is a good fit for travellers who want to earn Qantas Points without paying the higher annual fee that comes with a premium card. Positioned below the Amplify Signature, it offers lower earn rates and fewer extras, but in return comes with a more approachable ongoing cost.
Cardholders can earn 0.75 Qantas Points per $1 on international purchases and 0.5 Qantas Points per $1 on everyday spend, making it a solid option for steadily building a points balance through regular spending. The earn rate is lower than the Signature card, but for moderate spenders, the reduced annual fee may make the trade-off worthwhile.
Another useful inclusion is international travel insurance, which gives the card some extra practical value for overseas trips. Combined with its lower cost and straightforward Qantas Points earning, the Platinum strikes a nice balance for travellers who want more than a basic rewards card without moving all the way up to a premium option.
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.
Where could 100,000 Qantas Points take you?
You could redeem them for the following:
Step into the energy of Hong Kong
Fly to Hong Kong using Qantas Points.
Los Angeles, the comfortable way
Fly to Los Angeles using Qantas Points.
Extra Benefits
Mobile Wallet
Apple Pay, Google Pay and Samsung Pay
St.George is offering up to 100,000 bonus Qantas Points for new cardholders of the Amplify Qantas Platinum Card. It offers a decent earn rate of up to 0.75 Qantas Points per $1 on eligible spend and comes with a number of complimentary insurances.
The Amplify family of cards includes cards offered by St.George, Bank of Melbourne and BankSA. This guide covers the earn rates and benefits of the St.George Qantas Platinum variant. We cover the St.George Amplify Qantas Signature in a separate guide.
Digging into the details of the St.George Amplify Qantas Platinum
The St.George Amplify Qantas Platinum offers 0.75 Qantas Points per $1 on international spend, 0.5 Qantas Points per $1 on everyday spend, and 0.33 Points per $1 on all other eligible spend, up to $5,000 per statement period. Then 0.20 Qantas Points per $1 thereafter, uncapped.
| Card | St.George, Bank of Melbourne and BankSA Amplify Platinum Visa - Qantas Rewards |
| Loyalty program | Qantas Frequent Flyer |
| Points earned from spend | 0.75 Qantas Points per $1 on international spend 0.5 Qantas points per $1 at major supermarkets, department stores, petrol, utilities 0.35 Qantas Point on all other eligible spend |
| Points cap | Up to $5,000 per statement period then 0.2 Qantas Points per $1 thereafter, uncapped |
| Insurance | Overseas travel insurance, extended warranty on purchases etc. |
| Overseas transaction fee | 3% of the converted amount |
| Mobile wallet | Apple Pay, Google Pay and Samsung Pay |
| Card fee | $175 p.a. + $125 annual Qantas Rewards Program fee |
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 Qantas Platinum could still be useful for those who are looking for a non-Amex card with decent Qantas Points earn, 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 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.
-
Be aged 18 years or over
-
Be an Australian citizen, permanent resident, or hold a long-term visa
-
Minimum income required $30,000 p.a.
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Have a good credit history and no payment defaults
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 Qantas Club Complimentary Lounge Invitations. Lounge access typically comes with the higher-tier Amplify Qantas Signature variant.
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 Bank of Melbourne, St.George or BankSA, or who have held one in the last 24 months.
Can I add additional cardholders?
Yes, you can add one additional cardholder at no extra cost. Qantas Points earned by the supplementary cards will flow to the primary cardholder’s Qantas Frequent Flyer account.
Is there a points cap or reduction?
Yes, earn rate is soft-capped once you spend beyond $5,000 per statement period, with bonus points excluded from this cap.
If you regularly spend above that threshold, consider the St.George Amplify Qantas Signature, which offers a higher earn rate and more perks. Once you spend $5,000 in a statement cycle, you will earn 0.25 Qantas Points per $1 on further eligible purchases.