What if your weekly groceries, petrol, dining and everyday bills could help bring your next holiday or shopping reward a little closer?
The St.George Amplify Rewards Platinum makes eligible spending more rewarding through its flexible points program, complimentary insurance benefits and a bonus offer worth exploring.
For anyone comparing travel credit cards, it’s an appealing opportunity to turn regular purchases into something more, provided the annual fees and interest charges suit their budget.
St.George Amplify Rewards Platinum: the best credit card for everyday spending and flexible rewards
Why let your everyday spending go unrewarded? The St.George Amplify Rewards Platinum is a compelling travel credit card for people who want more from purchases they’re already making.
Earn 1.25 Amplify Points per $1 on eligible everyday spending, including supermarkets, department stores, petrol stations, dining and utilities.
Eligible international purchases earn 2 points per $1, while other qualifying purchases earn 1 point per $1. Once eligible spending reaches $5,000 in a statement cycle, further eligible purchases earn 0.5 points per $1.
Here’s where things get even more interesting. Eligible new cardholders can earn up to 50,000 bonus Amplify Points through a promotional offer that rewards qualifying spending.
The offer requires $6,000 or more in eligible purchases within 90 days of approval for the first-year component, followed by a qualifying purchase in the second year for the additional points.
And unlike rewards programs that put an expiry date on your points, Amplify Points never expire. That gives this international credit card extra appeal for people who prefer building rewards at their own pace, without making unnecessary purchases.
The flexibility extends beyond earning points. Amplify Rewards members can redeem their balance for gift cards, travel options, products from the rewards store, eligible partner program transfers or charitable donations.
Around 29,412 points can currently provide up to $100 in selected e-gift cards, depending on the redemption option.
Add complimentary insurance benefits, access to Visa Luxury Hotel Collection and exclusive ShopBack opportunities, and this travel credit card offers plenty to explore beyond its welcome bonus.
Is a St.George credit card worth it?
St.George is a long-established Australian banking brand and part of Westpac Group, one of Australia’s major banking organisations.
Its Amplify Rewards Platinum combines established banking services with a rewards program designed around everyday purchases and travel.
For anyone considering a credit card apply online option, the ability to earn points on eligible spending, access complimentary insurance and redeem rewards in different ways makes the product worth investigating.
The benefits go beyond points. Eligible cardholders can access up to three months of complimentary international travel insurance, interstate flight inconvenience insurance, rental vehicle excess cover in Australia, purchase protection and extended warranty benefits, subject to eligibility and policy conditions.
There’s also 24/7 fraud monitoring, mobile wallet compatibility and access to My Offers Hub.
If you’re comparing travel credit cards, these features could add meaningful value, although the $175 standard annual card fee, separate $75 annual Amplify Rewards Program fee and 23.98% p.a. variable purchase interest rate should be carefully considered.
What are the eligibility requirements for a St.George credit card?
To apply for the St.George Amplify Rewards Platinum, you’ll need to meet the following eligibility criteria:
- Be at least 18 years old.
- Live at a fixed Australian residential address.
- Receive a regular and verifiable Australian taxable income.
- Be an Australian citizen, New Zealand citizen or Australian permanent resident, or hold an eligible temporary residence visa with at least one year remaining before expiry.
- Have an Australian mobile phone number for verification.
- Provide at least two acceptable forms of identification, such as an Australian driver’s licence, Medicare card, passport or Australian birth certificate.
- Supply information about your income, existing debts and regular monthly expenses.
- Meet St.George’s credit assessment requirements for a minimum credit limit of $6,000.
- Provide additional supporting documents if requested, including evidence of income, residency status or existing financial commitments.
Approval is subject to St.George’s lending criteria, assessment of your ability to repay and verification of the information supplied.
How to apply for the credit card
- Step 1: Visit the official St.George Amplify Rewards Platinum website.
- Step 2: Review the current bonus points offer, annual fees, interest rates and rewards conditions before proceeding.
- Step 3: Check your eligibility, including your residency status, regular income and ability to meet the minimum credit limit requirements.
- Step 4: Select the online application option. Existing St.George customers can sign in to check whether they qualify for the advertised first-year card fee offer.
- Step 5: Complete the application with your personal details, employment information, income, existing debts and monthly expenses.
- Step 6: Provide the required identification information and any additional documents requested by St.George.
- Step 7: Review your application carefully, confirm the details and submit it for assessment.
- Step 8: If approved, follow the bank’s instructions to receive and activate your card, then review the Amplify Rewards conditions before making eligible purchases.
Frequently asked questions
How does interest work on the St.George Amplify Rewards Platinum?
The St.George Amplify Rewards Platinum charges a variable interest rate of 23.98% p.a. on purchases and 23.99% p.a. on cash advances.
Eligible purchases can receive up to 45 interest-free days, provided the relevant repayment conditions are satisfied. Interest-free days do not apply to cash advances.
A cash advance fee of 3.5% of the transaction amount applies, while transactions with merchants based overseas attract a 3% international transaction fee.
The card also charges a $20 fee for each late or missed payment.
Paying your eligible purchase balance in full by the required due date can help you avoid purchase interest, subject to the card’s terms and conditions.
How can I increase the credit limit on my St.George Amplify Rewards Platinum?
If you’d like a higher credit card limit, contact St.George through its official banking channels to find out whether you’re eligible to request an increase.
The bank may assess your income, existing financial commitments, repayment history and overall ability to manage additional credit.
The St.George Amplify Rewards Platinum has a minimum credit limit of $6,000, but any higher limit depends on the bank’s lending criteria and approval.
A credit limit increase is not guaranteed, and requesting additional credit should be considered carefully in relation to your budget.
How can I pay my St.George Amplify Rewards Platinum statement?
St.George provides several tools to help cardholders manage repayments and stay on top of their credit card accounts.
Available features include:
- Autopay: Set up automatic repayments to help manage your statement obligations.
- Plan&Pay: Explore available repayment management options for eligible transactions.
- Mobile and online banking: Access account information and available payment services.
- SMS and email alerts: Receive notifications that can help you monitor account activity and payment obligations.
Always check your statement for the minimum payment amount, due date and applicable payment instructions.
Paying your eligible purchase balance in full by the due date can help you maintain interest-free days when the relevant conditions are met.
How can I cancel my St.George credit card?
To cancel your St.George Amplify Rewards Platinum, contact St.George through its official customer service channels and request account closure.
Before cancelling, make sure you’ve reviewed any outstanding balance, pending transactions, recurring payments and fees associated with your account.
You should also check your Amplify Rewards balance and the program’s redemption conditions, as closing your credit card or rewards membership may affect your ability to use accumulated points.
If you have an additional cardholder, remember that closing the primary account will also affect their access to the card.
Follow St.George’s instructions for finalising the closure and request confirmation once your account has been cancelled.