Gift card value
$25 after fees
$325 in Woolworths gift cards · 70,000 Qantas points · spend $4,000 in 90 days
Available
I'd like to use my bonus for:
$325 in Woolworths gift cards (67,360 of 71,320 Qantas points; 3,960 left over) − $175 card fee − $125 program fee. Assumes you earn the bonus and pay in full; extra spend or interest changes the outcome.
These terms are currently available (site published 11 Oct 2026).
What this calculation assumes
- You make the required purchases and the bonus is paid.
- You pay the balance in full — any interest changes the outcome.
- The required spend is ordinary planned spending, not extra cost.
- Gift-card rates are the recorded redemption catalogue, rechecked at renewal.
Did this help you make a decision?
Can I get this?
This is a public offer.
Can I get this bonus if I have held a card before?
The bonus holding rule for this offer is unverified. Check the offer terms before applying.
See exclusion periods for every Australian issuer →What must I spend?
$4,000 within 90 days — about $1,333 per month. The terms on this page don't record when the clock starts or how long the bonus takes to arrive after you qualify — check the issuer terms for both.
Can I get the card?
$6,000 minimum credit limit — a lending commitment, not a reward fact.
No minimum income recorded — this does not mean there is none.
Lending approval is separate from bonus eligibility: approval gets you the card, the conditions above get you the bonus.
How long is this available?
No recorded end date — this does not mean it never ends. Availability is rechecked against the issuer page.
What else makes the card useful?
Reward use
Ways to turn points into value.
- Points Transfer Benefits Compare across cards →Earn up to 0.75 Qantas Points per $1 on eligible purchases, credited directly to the cardholder's Qantas Frequent Flyer account ($75 annual Amplify Qantas Rewards Program fee applies)
Check membership, transfer ratios, minimums, and fees before choosing gift cards or flights.
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Earn up to 0.75 Qantas Points per $1 on eligible purchases, credited directly to the cardholder's Qantas Frequent Flyer account ($75 annual Amplify Qantas Rewards Program fee applies)
No source recorded for this benefit.
Purchase protection
Cover on things you buy with the card. Limits, excesses, and activation conditions apply.
- Purchase Protection Insurance Compare across cards →Covers items charged to the card against theft, accidental damage or permanent loss for 4 months from purchase, up to $10,000 per item ($3,500 for jewellery, watches and new works of art), $135,000 total in any 12 months; $300 excess per claim
Check the cover period, the card-payment condition, claim limits, and excess.
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Covers items charged to the card against theft, accidental damage or permanent loss for 4 months from purchase, up to $10,000 per item ($3,500 for jewellery, watches and new works of art), $135,000 total in any 12 months; $300 excess per claim
- Extended Warranty Insurance Compare across cards →Extends an eligible product's Australian manufacturer's warranty by an equal period up to a maximum of 2 years (no cover if warranty exceeds 5 years), up to $20,000 per product and per card account in any 12 months; $300 excess per claim
Check how much extra cover it adds, which warranty lengths qualify, limits, and excess.
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Extends an eligible product's Australian manufacturer's warranty by an equal period up to a maximum of 2 years (no cover if warranty exceeds 5 years), up to $20,000 per product and per card account in any 12 months; $300 excess per claim
Travel
Travel cover and perks. Most need qualifying bookings or payment with the card.
- Hotel Benefits Compare across cards →Access to Visa Luxury Hotel Collection at participating properties: best available rate guarantee, room upgrade when available and one daily breakfast per person
Check qualifying bookings and availability.
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Access to Visa Luxury Hotel Collection at participating properties: best available rate guarantee, room upgrade when available and one daily breakfast per person
No source recorded for this benefit. - Travel Insurance Compare across cards →Complimentary international travel insurance for Level 2 Card cardholders for trips up to 3 consecutive months, when at least $500 of prepaid travel costs are charged to the card and a return overseas ticket is held; cover includes unlimited overseas emergency…
Check the cover period, the activation condition, and who counts as an insured person.
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Complimentary international travel insurance for Level 2 Card cardholders for trips up to 3 consecutive months, when at least $500 of prepaid travel costs are charged to the card and a return overseas ticket is held; cover includes unlimited overseas emergency medical/assistance, cancellation, additional expenses and luggage (subject to sub-limits and a $300 excess)
- Transit Accident Insurance Compare across cards →Overseas Transit Accident Insurance providing accidental death/serious injury cover (e.g. $750,000 loss of life) while travelling as a passenger on public transport during an overseas trip when the entire trip cost is charged to the card; no excess
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Overseas Transit Accident Insurance providing accidental death/serious injury cover (e.g. $750,000 loss of life) while travelling as a passenger on public transport during an overseas trip when the entire trip cost is charged to the card; no excess
- Rental Vehicle Insurance Compare across cards →Rental Vehicle Excess in Australia cover up to the lesser of the rental agreement excess or $5,500 when the entire rental cost is charged to the card; $300 excess per claim
Check overseas rental excess separately from Australian cover, plus limits and activation for each.
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Rental Vehicle Excess in Australia cover up to the lesser of the rental agreement excess or $5,500 when the entire rental cost is charged to the card; $300 excess per claim
Everyday savings
Discounts and cashback on spending. Activation and caps vary.
- Shopping Benefits Compare across cards →Visa Offers and Perks: personalised discounts and offers for eligible Visa cardholders
Check activation and purchase conditions. Amounts here don't add to the bonus calculation.
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Visa Offers and Perks: personalised discounts and offers for eligible Visa cardholders
No source recorded for this benefit.
Account management
Tools for running the account — repayment helpers, not reward value.
- Interest Free Periods Compare across cards →Up to 55 days interest-free on purchases when the Monthly Payment Balance is paid in full by the due date each month; does not cover cash advances
Interest-free terms change often — confirm the current days with the issuer before applying. This recorded term may be out of date.
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Up to 55 days interest-free on purchases when the Monthly Payment Balance is paid in full by the due date each month; does not cover cash advances
No source recorded for this benefit. - Digital Wallet Integration Compare across cards →Supports Apple Pay, Google Pay and Samsung Pay
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Supports Apple Pay, Google Pay and Samsung Pay
No source recorded for this benefit. - No Additional Cardholder Fee Compare across cards →One additional cardholder (16 or over) can be added for free, with spend and points kept on the one account
Check account liability and age or redemption restrictions.
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One additional cardholder (16 or over) can be added for free, with spend and points kept on the one account
No source recorded for this benefit. - Installment Plans Compare across cards →Plan&Pay lets purchase balances be split into fixed instalments
Check applicable charges and eligibility — a repayment plan, not reward value.
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Plan&Pay lets purchase balances be split into fixed instalments
No source recorded for this benefit. - Online Banking Features Compare across cards →Repayment management tools including Plan&Pay, Autopay, and SMS and email alerts
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Repayment management tools including Plan&Pay, Autopay, and SMS and email alerts
No source recorded for this benefit.
Should I keep it after the first year?
Renewal costs $300 each year ($175 annual fee + $125 program fee) — first year was $300.
Second year pays 30,000 Qantas points if you still hold the card into year two. The recorded terms don't detail the exact second spend hurdle — check the issuer terms before counting on it.
Ongoing earn: 0.33x Qantas points per $1.
Keeping pays off only if you meet the second-year conditions and use the points and benefits enough to cover $300/yr.
Year-two points aren't dollar-valued here: the redemption catalogue may change before renewal, so recheck the rate then.
Terms and evidence
Full current terms
Offer terms
First Year Points
70,000 points
Qantas
Second Year Points
30,000 points
With $175 annual fee
Minimum Spend
$4,000
within 90 days (about 3 months)
Ongoing Earn Rate
0.33x points per $1 spent
Fees
First Year Annual Fee
$175
Ongoing Annual Fee
$175
From year 2 onwards
Program Fee
$125
Additional fee for reward program participation
Purchase Interest Rate
23.98% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefit history (8 changes)
- Travel InsuranceUpdated May 2026
- Points Transfer BenefitsUpdated May 2026
- Interest Free PeriodsUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
- No Additional Cardholder FeeUpdated May 2026
- Transit Accident InsuranceUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
Offer terms history
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 11 Oct 2026
Availability changed from ended to available; conditions unchanged.
Changes from terms version 10
Changes from terms version 9
Changes from terms version 8
Changes from terms version 7
Changes from terms version 6
Changes from terms version 5
Changes from terms version 4
Changes from terms version 3
Changes from terms version 2
Changes from terms version 1
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Archived notes
Earlier notes about this offer, kept as an archive — not current terms. Note dates are separate from terms publication dates.
- Expiration changed from 27/02/24 to 31/07/24, Bonus from 60K to 70K3 years ago
- Expiration changed from 30/04/24 to 27/02/243 years ago
- Expiration changed from 06/11/23 to 30/04/243 years ago
- Offer expiry moved from 30/11 to 6/113 years ago
- Offer expiry moved from 30/11 to 6/113 years ago
- Card link changed from https://www.stgeorge.com.au/personal/credit-cards/affiliate/amplify-platinum to https://www.stgeorge.com.au/personal/credit-cards/frequent-flyer/amplify-platinum3 years ago
- First year annual fee lowered from $124 to $993 years ago
- Annual fee increased from $99 to $1243 years ago
- Offer extended to 30 June 20234 years ago
- Offer extended from 30/06/2022 to 31/12/20224 years ago
Discussion
About the current terms (published 11 Oct 2026).
Community and personal tools
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