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Amplify Platinum Card

Amplify Platinum Card

Our platinum credit card has a lower annual fee and the ability to earn points. Enjoy travel related benefits designed to make your journey safe and convenient.

• Special offer
• Why?
• Key rates & fees
• Before you apply

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• Special offer
• Why?
• Key rates & fees
• Before you apply

[Image: St.George Amplify Rewards Platinum credit card]

Why choose an Amplify Platinum card?

20.99% p.a.	Variable interest rate on purchases
Up to 55 days	Interest free on purchases
$6,000	Minimum credit limit

See below for standard rates and fees.

Choose your Amplify Rewards Program

Choose to earn Amplify Rewards points if you want the flexibility of redeeming your points on a range of gift cards, travel, saving on groceries and more. If you prefer to earn Qantas Points straight to your Frequent Flyer account each month, select Amplify Qantas.

Amplify Rewards Platinum

Amplify Rewards Platinum Special offer: Earn up to 100,000 bonus Amplify Points plus a $99 first year card fee (reverts to $175 p.a. thereafter) . Already with St.George? Sign in to apply and get a $49 first year card fee (reverts to $175 p.a. thereafter) . New cards only. Card features $0 annual Rewards Program Fee 2 Amplify points per $1 on international spend 1.25 Amplify points per $1 on everyday spend 1 Amplify point per $1 spend on all other purchases Once you spend $5,000 in a statement cycle, you will earn 0.5 Amplify points per $1 on further eligible purchases Plus extra benefits St.George Bonus Cashback on ShopBack Complimentary insurances Discounted gift cards and special deals on the My Offers Hub

Not yet with us? Not yet with us? Already with us? Sign in to apply Already with us? Sign in to apply

Amplify Qantas Platinum

Amplify Qantas Platinum Special offer: Earn up to 100,000 bonus Qantas Points— 70,000 Qantas Points in year 1 if you spend $4k+ on eligible purchaseswithin 90 days of new card approval and an extra 30,000 points with $4k+ spend on eligible purchaseswithin 90 days of card anniversary in year 2. New cards only. Already with St.George? Sign in to apply and get a $99 first year card fee (reverts to $175 p.a. thereafter). A $75 annual Qantas Rewards Program fee still applies. New cards only. Card features $75 annual Qantas Rewards Program fee 0.75 Qantas Points per $1 on international spend 0.5 Qantas Points per $1 on everyday spend 0.35 Qantas Points per $1 spend on all other purchases Earn more Qantas Points when making a purchase with Qantas partners including Woolworths and BP Once you spend $5,000 in a statement cycle, you will earn 0.2 Qantas Points per $1 on further eligible purchases Plus extra benefits 'Double dip' for more Qantas Points St.George Bonus Cashback on ShopBack Complimentary insurances Discounted gift cards and special deals on the My Offers Hub

Not yet with us? Not yet with us? Already with us? Sign in to apply Already with us? Sign in to apply

What kind of businesses are included in the new ‘everyday spend’ category?

Our ‘everyday spend’ category consists of 5 sub-categories: supermarkets, department stores, petrol stations, dining and utilities. Below is a list of examples of merchants included in these 5 categories:

• Supermarkets include stores such as Woolworths, Coles, IGA, Harris Farm and ALDI
• Department stores include stores such as Kmart, Target, Big W, David Jones and Myer
• Petrol stations include stores such as 7-Eleven, Shell, Ampol, Caltex and BP
• Dining includes restaurants, cafes, fast food, bars, hotels and entertainment venues
• Utilities include payments for water, gas, electricity, internet, mobile and streaming services (excluding BPAY® payments).

Why you'll love the Amplify Platinum card

Amplify Points

Earn up to 2 Amplify points per $1 spent on eligible purchases , when you select Amplify Rewards

Earn up to 0.75 Qantas Points per $1 spent on eligible purchases, when you select Qantas Rewards

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.

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Put a 'yay' in Everyday

Turn your Amplify points into Everyday Rewards points and get more value at the checkout. Learn more

Eligibility, min and max points transfer and T&Cs apply.

Other reasons to choose

Visa Luxury hotels

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

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

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. Additional cardholders cannot redeem rewards.

Secure ways to pay

Make purchases with your smartphone using your choice of mobile wallet, including Apple Pay, Google Pay and Samsung Pay.

Fraud protection

Feel confident using our cards, with 24/7 fraud monitoring, Secure Online Shopping Service, and the St.George Fraud Money Back Guarantee.

Access to My Offers Hub

A space filled with offers and benefits to make your life a little sweeter, every single day.

Visa Offers and Perks

When you’re with Visa, you also get access to discounts and offers that can be personalised to your own taste.

Useful tools

Manage your repayments with options like Plan&Pay, Autopay, SMS and email alerts and more.

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Rates, minimum requirements and fees

Rates

Variable purchase rate – 20.99% p.a.

Variable cash advance rate – 21.99% p.a.

Minimum requirements

Minimum credit limit - $6,000

Fees

Annual card fee	$175
Annual rewards program fee for Qantas	$75
Foreign transaction fee	3% Payable as a percentage of the Australian dollar value of any foreign transaction. Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia.
Cash advance fee	3.5% of the value of the transaction will apply to each cash advance made on your card account. These charges will appear on your credit card statement directly below the relevant cash advance.
Missed payment fee	$20 each statement cycle that the minimum monthly payment is not paid by the statement due date.

New cards only.

Fees and rates are subject to change. Read our credit card key facts sheet.

Looking for something else?

Our premier credit card offers the highest earn rate for rewards points. Enjoy exclusive extras like lounge passes, travel insurance and concierge support.

Amplify Signature Card Amplify Signature Card

Before you apply

Check whether you're more likely to be approved

Check whether you're more likely to be approved

• Aged 18 or over AND
• Live at a fixed Australian address AND
• Receive a regular and verifiable Australian taxable income AND
• Meet ONE of the following three requirements:
  • Be an Australian or New Zealand citizen OR
  • Be an Australian permanent resident OR
  • Hold a valid temporary residence visa with a minimum of 1 year before expiry. See PDF-file eligible Australian Visa (PDF 1MB)

Review your credit history

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 and follow the links to a free credit report. More about 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

• 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.

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Offer hub

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Important information

Key Facts Sheet

PDF-file Credit Card Terms and Conditions (PDF 1008KB)

PDF-file Amplify Terms and Conditions (PDF 1MB)

PDF-file Credit Card Accounts Fees and Charges (PDF 1MB)

PDF-file Credit Card Complimentary Insurance Terms and Conditions (PDF 1MB)

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.

<Converting Amplify Points: You can convert the points earned on your Amplify Rewards Signature or Amplify Rewards Platinum credit card to e-gift cards via your Amplify Rewards Account, which can be accessed via St.George Internet or Mobile Banking. The estimated e-Gift card value in the above examples are based on current redemption rates as at 4th April 2022 and is subject to change without notification. All redemption of Amplify Points are subject to availability and the PDF-file Amplify Terms and Conditions (PDF 1MB).

*Amplify Platinum Bonus Amplify Points Offer: Offer commenced 27th August 2025. To be eligible for bonus Amplify Reward Points, you must apply and be approved for a new Amplify Rewards Platinum card before the offer is withdrawn. You will receive an initial 75,000 bonus points if you spend $3k or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. You will receive an additional 25,000 bonus points if you keep your account open for more than 12 months and continue to use the card. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active. If you do not meet the minimum spend criteria within 90 days of card approval, you forfeit the initial 75,000 bonus points only. However, you are still eligible for the additional 25,000 bonus points in the second year if you continue to use your card. 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. 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. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

**Amplify Rewards Platinum Discounted First Year Fee: Offer commenced 27th August 2025. The discounted first year card fee promotion is available when you apply and are approved for a new Amplify Rewards 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.

***Existing Customer Amplify Rewards Platinum Discounted First Year Fee: Offer commenced 27th August 2025. The discounted first year card fee promotion is available when you apply and are approved for a new Amplify Rewards 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.

† 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.

If you choose to make any payment in any category using an intermediary service (such as Afterpay, PayPal or similar services), these transactions will be categorised as 'all other purchases'. We classify transactions using information provided to us by the card scheme (Visa or Mastercard), which tells us about the main type of business conducted by the Merchant.

Amplify Qantas Platinum Bonus Qantas Points Offer: Offer commenced 27th November 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. You will receive an initial 70,000 bonus points if you spend $4k or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. In your second year, spend a minimum of $4k on eligible purchases within 90 days of your card opened date anniversary, and you'll earn an additional 30,000 bonus points. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. 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 27th November 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.

The earning and redemption of Amplify Points is subject to the PDF-file Amplify Terms and Conditions (PDF 1MB). 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.

The earning and redeeming of Qantas Points is subject to the PDF-file Amplify Terms and Conditions (PDF 1MB). 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.

#Cashback (including St.George bonus Cashback) is offered by ShopBack and not St.George. Cashback offers are not exclusive to St.George cardholders. St.George bonus Cashback is offered exclusively to St.George cardholders who have access to bonus Cashback on top of any other available Cashback. The ShopBack account is not a St.George account. To earn any Cashback, you must hold and maintain an account with ShopBack. Cashback is paid into your ShopBack account. Eligibility criteria, Cashback redemption, withdrawal conditions and T&Cs apply. See ShopBack for further details.

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.

You must be a member of the relevant transfer partner program to redeem Amplify Points for that partner’s rewards or frequent flyer points. The PDF-file Amplify Terms and Conditions (PDF 1MB) and the terms and conditions of the relevant transfer partner programs apply. A joining fee may apply. For more information on the Amplify Rewards program, visit St George Amplify Rewards at amplify.stgeorge.com.au.

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) 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.

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 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 Amplify 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) for full details, including when a customer will be liable.

Read the PDF-file Apple Pay Terms and Conditions (PDF 149KB) 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 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 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 for more information.

Read the Samsung Pay Terms and Conditions 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 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.