The St.George Amplify Platinum Credit Card is an enticing option for those seeking a rewarding credit card experience. With its generous points system and various benefits, this card caters to frequent shoppers and travelers alike. Whether you want to earn Amplify Points for future purchases or enjoy complimentary insurance, this card has much to offer.
In this article, we will explore the advantages of the St.George Amplify Platinum Credit Card, weigh its pros and cons, outline associated fees and interest rates, and guide you through the application process.
Reasons to Get a St.George Amplify Platinum Credit Card?
Rewarding Points System
The St.George Amplify Platinum Credit Card allows you to earn 1 Amplify Point for every dollar spent on eligible purchases, with no cap on the points you can accumulate. This flexibility means that your spending translates directly into rewards, whether for shopping, dining, or travel.
Bonus Points and Promotions
Currently, new applicants can benefit from a promotional offer of 100,000 bonus Amplify Points, which can be redeemed for up to $450 in eGift cards. To qualify, you must spend at least $3,000 on eligible purchases within the first 90 days of approval.
Additionally, the first-year annual fee is discounted to $49, making it a cost-effective choice for new cardholders.
Complimentary Benefits
The card includes a range of complimentary insurances such as overseas travel insurance and purchase protection, providing peace of mind while traveling or shopping. Cardholders also gain access to Visa’s Luxury Hotel Collection, offering exclusive benefits like room upgrades and best-rate guarantees.
Flexible Redemption Options
Amplify Points can be redeemed for various rewards, including gift cards, and travel bookings, or converted to frequent flyer points with several airline partners. This flexibility allows cardholders to choose how they want to use their rewards, enhancing the overall value of the card.
Pros and Cons of St.George Amplify Platinum Credit Card
| Pros | Cons |
|---|---|
| 100,000 bonus Amplify Points available | Annual fee of $124 after the first year |
| Earn 1 point per $1 spent, uncapped | High cash advance interest rate (21.99% p.a.) |
| Complimentary travel and purchase insurance | 3% overseas transaction fee |
| Access to Visa’s Luxury Hotel Collection | Requires minimum spend for bonus points |
Fees and Interest Associated with St.George Amplify Platinum Credit Card
| Fee/Interest Type | Amount |
|---|---|
| Annual Card Fee | $124 (discounted to $49 first year) |
| Purchase Interest Rate | 20.99% p.a. variable |
| Cash Advance Interest Rate | 21.99% p.a. variable |
| Late Payment Fee | $15 |
| Overseas Transaction Fee | 3% of the transaction amount |
How to Apply for a St.George Amplify Platinum Credit Card?
To apply for the St.George Amplify Platinum Credit Card, you need to follow a straightforward process while ensuring you meet the eligibility criteria.
- Visit the Website: Go to the St. George Bank website.
- Select the Card: Navigate to the section for the Amplify Platinum Credit Card.
- Complete the Application: Fill out the online application form with your details, including your income and employment information.
- Submit the Application: After ensuring all information is accurate, submit your application.
- Wait for Approval: You will typically receive a response regarding your application status within a few days.
Eligibility Requirements
- Age: You must be at least 18 years old.
- Residency: You need to be an Australian citizen, a resident, or a long-term visa holder.
- Income: A verifiable Australian taxable income is required.
- Residential Address: You must have a residential address in Australia.
- Credit Limit: The minimum credit limit for this card is $6,000.
The Final Words
The St.George Amplify Platinum Card presents a compelling option for those looking to maximize their spending with rewards. With its attractive bonus points offer, flexible redemption options, and additional benefits, it stands out in the competitive credit card market.
However, prospective applicants should consider the associated fees and interest rates to determine if they align with their financial goals.