St. George Bank
Amplify Rewards Platinum
Our mid-tier credit card that lets you earn Amplify points
Credit cardsBank updated 26 Aug 2026
At a glance
- Purchase rate
- 20.99%
- Cash advance
- 21.99%
- Interest-free days
- 55
- Annual fee
- $175 · discounted first 1 yr
- Foreign transaction fee
- 3.00%
- Rewards
- Amplify Platinum Rewards
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advanceInterest on cash advances | — | — | — | 21.99% | — | No Interest Free days |
| PurchaseInterest on purchases | — | — | — | 20.99% | — | Interest Free Days may apply |
§ 02 — Fees · 8
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Cash Advance Fee | Cash advance | 3.50% of transaction | — | — |
| Copy of a deposit or withdrawal form | Event | $15 | — | — |
| Copy of a sales voucher | Event | $10.50 | — | — |
| Overlimit Fee | Event | No fee | — | $15.00 once per statement period if your credit card account was opened before 4 June 2012. No overlimit fee will be charged for personal credit card accounts opened on or after 4 June 2012. |
| Missed Payment Fee | Late payment | $20 | — | — |
| Annual Card Fee | Periodic | $175 | Every 1 yr | Reduced First year Annual Card Fee - New Existing Reduced First year Annual Card Fee |
| Card Replacement Fee | Replacement | No fee | — | Courier costs may apply |
| Foreign Transaction Fee | Transaction | 3.00% of transaction | — | 3% of the Australian dollar value for transactions with merchants based overseas |
§ 03 — Features
Extra repaymentsDigital bankingFraud protection55 interest-free days1 additional cardsApple PayGoogle PaySamsung PayAmplify Platinum RewardsAmplify Rewards PointsSt. George Lounge on ShopBackAccess 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).
- · Digital Card - Boost your card security by using the dynamic CVV. Access your card details anytime, anywhere. Be assured that you will have uninterrupted access to your funds even if your card is los…
- · Feel confident using our cards, with 24/7 fraud monitoring, Secure Online Shopping Service, and the St George Fraud Money Back Guarantee.
- · Put a 'yay' in Everyday. Turn your Amplify points into Everyday Rewards points and get more value at the checkout. Eligibility, min and max points transfer and T&Cs apply.
- · You can use your Card to make a Purchase or a Cash Advance or carry out a Balance Transfer from another Credit Card. You can use your Card in many places in Australia and around the world. Look for t…
- · Recurring payments - You may authorise a Merchant to charge recurring payments to your Card automatically without requesting your authorisation on each occasion
- · Confirming and authorising transactions : There are a number of ways you may be able to confirm a transaction. These include: signing your name. Holding your Card in front of a contactless payment de…
- · Gambling blocks : If you wish to limit access to gambling services through the Card Account, please call us or log into your online banking and activate gambling block in the Card Services menu.
- · Statements : We will issue a statement for the Card Account to you every month unless the account has a balance of $10 or less and there has been no account activity in that month. You can choose to…
- · Plan&Pay is a repayment plan for your credit card. It splits your credit card repayments into smaller bite-sized instalments.
- · Tracking your points balance: Your Card statement will show for the period covered any Points earned to your Amplify Rewards Account
- · Access to Visa's Luxury Hotel Collection, giving you the best available rate guarantee and upgrade benefits when available.
- · Access to My Offers Hub : My Offers Hub is a collection of offers and discounts available to eligible debit or credit cardholders to thank you for being our customer.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: 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
- · Amount $6,000 to $80,000
- · 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.)
- · Have a fixed residential address in Australia
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by St.George Bank under the Consumer Data Right, last changed by them on 26 Aug 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.