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# Amplify Qantas Platinum

Amplify Qantas Platinum

Our mid-tier credit card for Qantas Points lovers

* [Quick snapshot](#snapshot)
* [Special offer](#offer)
* [Why?](#why)
* [Key rates & fees](#rates)
* [Before you apply](#beforeyouapply)

Jump to 

* [Quick snapshot](#snapshot)
* [Special offer](#offer)
* [Why?](#why)
* [Key rates & fees](#rates)
* [Before you apply](#beforeyouapply)

[ Apply now](https://www.stgeorge.com.au/personal/credit-cards/frequent-flyer/amplify-platinum/summary) [ Apply now](https://www.cmsservices.stgeorge.com.au/app/banking/action?ActionType=wdpui&context=Logon&targetpath=https%3A%2F%2Fwww.ui.stgeorge.com.au%2Forigin%2Fetb0%2Fcontent%2Fproducts%2Fcredit-cards%2Famplify-platinum-qantas%2Fsummary%3FpromoCode%3DX5&webfallback=https%3A%2F%2Fwww.stgeorge.com.au%2Fpersonal%2Fcredit-cards%2Ffrequent-flyer%2Famplify-platinum%2Fsummary) 

##   
 Quick snapshot

#### Enjoy a range of complimentary insurances, plus Qantas Points with eligible purchases.

| **$124**              | Annual card fee                                    |
| --------------------- | -------------------------------------------------- |
| **$75**               | Annual Qantas Rewards Program fee                  |
| **0.5 Qantas Points** | Per dollar on eligible purchases, up to $100k p.a. |
| **20.99% p.a.**       | Variable interest rate on purchases                |
| **Up to 55 days**     | Interest free on purchases                         |
| **$6,000**            | Minimum credit limit                               |

 New cards only.

 See below for standard rates and fees.

## Amplify Qantas Platinum offer 

---

### 75K

### BonusQantas Points

75,000 bonus Qantas Points if you spend $4k+ on eligible purchases within 90 days of new card approval. 

**Already with St.George? Sign in to apply for a $49 card fee for the first year (reverts to $124 p.a. thereafter).**

Offer not available if you’ve held a St.George, Bank of Melbourne or BankSA rewards card in the last 24 months. New cards only. T&Cs Apply.

[Already with us? Sign in to apply ](https://ibanking.stgeorge.com.au/ibank/?actionType=amplify-platinum-qantas&promoCode=RRAX5)[Already with us? Sign in to apply ](https://www.cmsservices.stgeorge.com.au/app/banking/action?ActionType=wdpui&context=Logon&targetpath=https%3A%2F%2Fwww.ui.stgeorge.com.au%2Forigin%2Fetb0%2Fcontent%2Fproducts%2Fcredit-cards%2Famplify-platinum-qantas%2Fsummary%3FpromoCode%3DRRAX5&webfallback=https%3A%2F%2Fibanking.stgeorge.com.au%2Fmb%2F%3FActionType%3Damplify-platinum-qantas%26promoCode%3DRRAX5)[Not yet with us? Click here to apply](https://www.stgeorge.com.au/personal/credit-cards/frequent-flyer/amplify-platinum/summary)[Not yet with us? Click here to apply](https://www.stgeorge.com.au/personal/credit-cards/frequent-flyer/amplify-platinum/summary)

## Qantas Frequent Flyer

Qantas Points lover? Then you’ll love our Qantas rewards cards. Earn 0.5 Qantas Points for every dollar spent on eligible purchases, right up to $100k p.a. with those points going straight to your Qantas Frequent Flyer account. Build your points balance to use on flights and upgrades, shopping and more. Use the [points calculator](https://www.qantas.com/au/en/frequent-flyer/calculators.html#/usepoints) to see where you could go with your bonus Qantas Points from our current offer. 

### Where could your Qantas Points take you?

**The Classic Syd-Mel**

Return economy seat Sydney – Melbourne 16k Qantas Points. Taxes, fees and carrier charges apply.

**Byron Bay and back**

Return economy seat Sydney – Byron (Ballina) 16k Qantas Points. Taxes, fees and carrier charges apply.

**Hamilton – the island**

Return economy seat Sydney – Hamilton Island 24k Qantas Points. Taxes, fees and carrier charges apply.

## Why you’ll love the Amplify Qantas Platinum card

### Qantas Points

Earn 0.5 Qantas Points for every dollar spent on eligible purchases, up to $100k p.a..

### Complimentary Insurances

Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 3 months' complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance. (terms, conditions, exclusions and eligibility criteria apply).

### Shop through ShopBack. Get Cashback.

Link and pay with your eligible St.George credit card to get exclusive bonus Cashback when you shop on the new St.George Lounge on the [ShopBack app](https://www.stgeorge.com.au/online-services/shopback).

## Other reasons to choose

[Earn points twice](#accordion-STABLE-1) 

On purchases with Qantas Frequent Flyer Program partners – once with your card and once with the program partner.

[Visa Luxury hotels](#accordion-STABLE-2) 

Access to Visa’s Luxury Hotel Collection, giving you the best available rate guarantee and upgrade benefits when available.

[Up to 55 days interest-free](#accordion-STABLE-3) 

That’s more time to pay your purchase balance and avoid interest charges on your purchases. The interest-free days don’t cover cash advances.

[Complimentary additional cardholder](#accordion-STABLE-4) 

Add a second cardholder (16 or over) for free, while keeping all the spend and points on the one account. And your points balance will grow even faster.

[Secure ways to pay](#accordion-STABLE-5) 

[Fraud protection](#accordion-STABLE-6) 

[Access to My Offers Hub](#accordion-STABLE-7) 

[Visa Offers and Perks](#accordion-STABLE-8) 

When you’re with Visa, you also get access to [discounts and offers](https://www.visa.com.au/en%5Fau/visa-offers-and-perks/) that can be personalised to your own taste.

[Useful tools](#accordion-STABLE-9) 

## Key rates and fees

#### 

| $124   | annual card fee                                                               |
| ------ | ----------------------------------------------------------------------------- |
| 20.99% | p.a. variable interest rate on purchases                                      |
| 21.99% | p.a. variable cash advance interest rate                                      |
| $15    | fee applied for each late payment or missed payment                           |
| $75    | annual Qantas Rewards Program fee                                             |
| 3%     | of each cash advance amount                                                   |
| 3%     | of the Australian dollar value for transactions with merchants based overseas |

New cards only.

Fees and rates are subject to change. Read our [credit card key facts sheet](https://www.stgeorge.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet "Credit card key facts sheet").

## Before you apply

Check whether you’re more likely to be approved

[Check whether you’re more likely to be approved](#accordion-STABLE-1) 

* Aged 18 or over
* Australian or New Zealand citizen
* Or hold an acceptable Australian visa, with a minimum of 1 year before expiry
* Have a fixed residential address in Australia
* Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)
* You’re up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)

[Review your credit history](#accordion-STABLE-2) 

You’ll be assessed on your ability to repay the money you borrow. Three things you can do to help:

1\. Make sure you’re meeting your current repayment obligations for

\- other credit cards or loans (including lenders such as afterpay and zip pay)

\- rent as well as utilities such as your phone, internet and electricity.

2\. Check the details on your credit report are correct before applying. Head to [CreditSmart.org.au](https://www.creditsmart.org.au/) and follow the links to a free credit report. [More about credit reports](https://www.stgeorge.com.au/online-services/security-centre/we-protect-you/comprehensive-credit-reporting "Credit reports").

3\. Don’t make multiple applications (with us or any other lender). Every application is listed as an enquiry on your credit report. Too many can be seen as a red flag and reduce your chances of approval.

[What you’ll need](#accordion-STABLE-3) 

* An Australian mobile number (have your mobile handy as we’ll be sending you verification codes)
* At least two forms of ID  
   * Australian driver licence, Medicare card, Passport, Australian birth certificate
* Foreign tax identification number (if you’re a tax resident of another country)
* Current debts  
   * Home loan, personal loans, other credit or store cards as well as instalment purchases like Zip Pay  
   * If you want to transfer the balance of another credit card, you’ll need to include those other cards in your application (even if you intend to close them after the balances are transferred)
* Regular monthly expenses
* Frequent flyer number (if applying for an Amplify Qantas Platinum or Amplify Qantas Signature card)

Sometimes, we might need more information and will ask you to provide certain documents. We’ll let you know at the end of your application which (if any) documents are required.

These may be documents for:

* Proof of income  
   * Such as recent payslips, Government statements, rental income proof. For self-employed, recent business bank statements and previous ATO Notice of Assessment
* Confirmation of the closure of any debts
* Visa and residency status.

[ Apply Now](https://www.stgeorge.com.au/personal/credit-cards/frequent-flyer/amplify-platinum/summary) [ Apply now](https://www.cmsservices.stgeorge.com.au/app/banking/action?ActionType=wdpui&context=Logon&targetpath=https%3A%2F%2Fwww.ui.stgeorge.com.au%2Forigin%2Fetb0%2Fcontent%2Fproducts%2Fcredit-cards%2Famplify-platinum-qantas%2Fsummary%3FpromoCode%3DX5&webfallback=https%3A%2F%2Fwww.stgeorge.com.au%2Fpersonal%2Fcredit-cards%2Ffrequent-flyer%2Famplify-platinum%2Fsummary) 

## Not right? Try these

[ Amplify Rewards Platinum Our mid-tier credit card  that lets you earn Amplify Points chevron-left viewBox="0 0 18 30" style="enable-background:new 0 0 18 30;" xml:space="preserve"> ](https://www.stgeorge.com.au/personal/credit-cards/rewards/amplify-platinum) 

[ Amplify Qantas Signature Our top-tier credit card  for people who love Qantas Points chevron-right viewBox="0 0 18 30" style="enable-background:new 0 0 18 30;" xml:space="preserve"> ](https://www.stgeorge.com.au/personal/credit-cards/frequent-flyer/amplify-signature) 

[View all cards](https://www.stgeorge.com.au/personal/credit-cards) 

### Help me choose

Use our selector to find a card that’s right for you.

[ Let's begin](https://www.stgeorge.com.au/personal/credit-cards/help-me-choose) [ Let's begin](https://www.stgeorge.com.au/personal/credit-cards/help-me-choose) 

### Compare cards

Use our compare cards tool so that you feel confident in your decision.

[ Get started](https://www.stgeorge.com.au/personal/credit-cards/compare-credit-cards) [ Get started](https://www.stgeorge.com.au/personal/credit-cards/compare-credit-cards) 

### Offer hub

Make the most of a St.George credit card with these amazing offers.

[ Browse offers](https://www.stgeorge.com.au/personal/credit-cards/credit-card-offers) [ Browse offers](https://www.stgeorge.com.au/personal/credit-cards/credit-card-offers) 

##### 

##### Important information

[Key Facts Sheet](https://www.stgeorge.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet?appAction=exit)

[ PDF-file Credit Card Terms and Conditions (PDF 1008KB)](https://www.stgeorge.com.au/content/dam/stg/downloads/personal/credit-cards/stg%5Fcredit%5Fcard%5Fterms%5Fand%5Fconditions.pdf?appAction=exit)

[ PDF-file Amplify Terms and Conditions (PDF 1MB)](https://www.stgeorge.com.au/content/dam/stg/downloads/personal/credit-cards/stg%5Famplify%5Fterms%5Fand%5Fconditions.pdf?appAction=exit)

[ PDF-file Credit Card Accounts Fees and Charges (PDF 1MB)](https://www.stgeorge.com.au/content/dam/stg/downloads/accounts%5Fand%5Fcards/stg-cc-fee-charges.pdf?appAction=exit)

[ PDF-file Credit Card Complimentary Insurance Terms and Conditions (PDF 1MB)](https://www.stgeorge.com.au/content/dam/stg/downloads/accounts%5Fand%5Fcards/STG%5FConsumer%5FCredit%5FCard%5FComplimentary%5FInsurance%5FAllianz.pdf?appAction=exit)

 Conditions, fees and credit criteria apply. Standard rates and fees applicable for new cards. May not apply for existing credit card accounts. This card is issued as a Visa card. Before making a decision read the Terms and Conditions and consider if the product is right for you.  

 Switches, upgrades, or Westpac Group staff are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

**Amplify Qantas Platinum Bonus Qantas Points Offer**: Offer commenced 26th March 2025\. To be eligible for bonus Qantas Points, you must apply and be approved for a new Amplify Qantas Platinum card before the offer is withdrawn and spend the minimum amount of $4k on eligible purchases on an Amplify Qantas Platinum credit card within 90 days from card approval in one or more transactions. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited to the card account. Existing customers who currently hold 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, or Credit Card Product Switches, upgrades or Westpac group staff are not eligible for this offer. The bonus Qantas Points will be credited to your Points balance within 12 weeks after the eligible spend criteria is met. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

**Existing Customer Amplify Qantas Platinum Discounted First Year Fee**: Offer commenced 26th March 2025\. The discounted first year card fee promotion is available for existing customers when you apply and are approved for a new Amplify Qantas Platinum credit card before the offer is withdrawn. The first year card fee at the special promotional rate will be debited to your card account on your Card Fee date and the full card fee will be debited annually thereafter. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

**Amplify Qantas:** In order to earn and redeem points, you must be a member of Qantas Frequent Flyer program. An annual $75 Amplify Qantas Rewards Program fee applies for customers who choose Amplify Qantas.

**†** **Eligible purchases** do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

The earning and redeeming of Qantas Points is subject to the [ PDF-file Amplify Terms and Conditions (PDF 1MB)](https://www.stgeorge.com.au/content/dam/stg/downloads/personal/credit-cards/stg%5Famplify%5Fterms%5Fand%5Fconditions.pdf?appAction=exit). You must be a member of the Qantas Frequent Flyer program to earn and redeem points. Purchases that are not eligible to earn points include interest, fees and charges, cash, or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Qantas Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis.

For Amplify Qantas Platinum cards, earn 0.5 Qantas Points per $1 up to a maximum of $100,000 spent on eligible purchases annually. For Amplify Qantas Signature cards, earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. This annual limit resets in January each year, based on your statement date. Bonus Points earned are not part of your annual cap.

**55 Days Interest Free:** Receive up to 55 days interest free on your purchases if your Monthly Payment Balance is paid in full by the due date shown each month. This amount is calculated as the main account balance minus the balance transfer amount plus any Plan&Pay instalments for this month. If you do not have any Plan&Pay instalments or a balance transfer, the Monthly Payment Balance will be the same as the Closing Balance.

Qantas and Jetstar Any Seat Awards are available on any flight with a QF or JQ flight number. The points required will be quoted when booked. There is no fixed relationship between the cash price charged by the applicable airline for a seat and the points required to redeem an Any Seat Award through Qantas Frequent Flyer. Special promotional fares may not apply. Award flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply). For more information see qantas.com/frequentflyer. The Jetstar Any Seat Awards booking service is operated by Carlson Marketing Group (Aust) Pty Ltd trading as Carlson Leisure Travel Service Licence No. 2TA 5778, IATA 02-3 59523 For more information on the Qantas Frequent Flyer program, visit qantas.com/frequentflyer.

Qantas Marketplace products are for delivery in Australia and New Zealand only (and different products are available in each delivery location). Redemption of points through Qantas Marketplace is subject to terms and conditions (including Marketplace terms of use and voucher terms and conditions). See [qantas.com/marketplace](https://www.qantasstore.com.au/) for details.  

**Complimentary Insurance covers:** AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible St.George cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the [ PDF-file Complimentary Insurance Policy Information booklet (PDF 1MB)](https://www.stgeorge.com.au/content/dam/stg/downloads/accounts%5Fand%5Fcards/STG%5FConsumer%5FCredit%5FCard%5FComplimentary%5FInsurance%5FAllianz.pdf?appAction=exit) which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.

Bonus Qantas Points earned on Qantas passenger flights (with a QF flight number) booked directly with Qantas, Qantas Club and Qantas Frequent Flyer memberships, when purchased from Qantas and charged as a domestic transaction only. Excludes Jetstar flights and services. You do not earn bonus points on Qantas Freight, Qantas Business Travel, Jetset Travelworld channels and Qantas Staff Travel, and on any international transactions, whether charged in Australian Dollars and/or in any foreign currency.

Any offer through **Visa Luxury Hotel Collection** is valid at participating properties and Visa Platinum and Signature cardholders in the Australia/Pacific, Europe, Middle East and Africa (APCEMEA) regions. Offer is only valid when you pay with a valid and eligible Visa card. Best Available Rate applicable. Not applicable on discounted rates or combined with other offers at time of enquiry/booking. One daily breakfast per person during stay. Excludes all applicable taxes, services, gratuities and charges, and must be a valid and eligible Visa card. Void where prohibited, taxed or restricted by law. All reservations are subject to availability at time of confirmation. Visa and participating properties reserve the right to vary the terms and conditions of this offer. For updated list of participating properties, please visit [www.visaluxuryhotels.com](https://www.visaluxuryhotels.com/) or call Visa Concierge for details.

An additional credit card can be issued on the primary cardholder's account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. All Qantas Points remain the benefit of the primary cardholder.

**Fraud Money Bank Guarantee:** Our St.George Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted St.George promptly. Refer to the [ PDF-file Credit Card Terms and Conditions (PDF 1008KB)](https://www.stgeorge.com.au/content/dam/stg/downloads/personal/credit-cards/stg%5Fcredit%5Fcard%5Fterms%5Fand%5Fconditions.pdf) for full details, including when a customer will be liable.

**\***Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Classic Flight Reward seats are subject to capacity controls, availability is limited and some flights may not have any Classic Flight Rewards available. The Qantas Points, taxes, fees and carrier charges stated are accurate as at 24 April 2022 but may vary at the time of booking. Status Credits and Qantas Points will not be earned on Classic Flight Rewards. Visit [Classic Flight Rewards](https://t.e.qantas.com/r/?id=h4ea298a9%2C2feafb1e%2C23911703&s=qPeZU8tyafIkT3WGGJzJsMsqkoWLqHQnF%5FndeY59kuM) for more information.

Read the [ PDF-file Apple Pay Terms and Conditions (PDF 46KB)](https://www.stgeorge.com.au/content/dam/stg/downloads/ways-to-pay/apple-pay.pdf "Click to view Apple Pay Terms and Conditions page") before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card, and a compatible device with a supported operating system. See our [Apple Pay FAQs](https://www.stgeorge.com.au/online-services/ways-to-pay/ways-to-pay-faqs/apple-pay-faqs "Click to view Apple Pay FAQs page") for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Read the [Google Pay Terms and Conditions](https://www.stgeorge.com.au/content/dam/stg/downloads/ways-to-pay/google-pay-StGeorge.PDF) before making a decision and consider if it is right for you. Available for eligible cards. To use Google Pay you will need to use a compatible device with a supported operating system. See our [Google Pay FAQs](https://www.stgeorge.com.au/online-services/ways-to-pay/ways-to-pay-faqs/google-pay-faqs) for more information.

Read the [Samsung Pay Terms and Conditions](https://www.stgeorge.com.au/content/dam/stg/downloads/ways-to-pay/samsung-pay-stg-tc.pdf) before making a decision and consider if it is right for you. To use Samsung Pay you will need to use a compatible device with a supported operating system. See our [Samsung Pay FAQs](https://www.stgeorge.com.au/online-services/ways-to-pay/ways-to-pay-faqs/samsung-pay-faqs) for more information.

Internet connection may be needed to make purchases using Google Pay, Samsung Pay and normal mobile data charges apply.  

Android, Google Pay and Google Play are trademarks of Google Inc.  

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.