St.George Amplify Rewards Credit Card – Details & Application
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Not everybody travels, and not everybody needs points to save for merchandise, and the St.George Amplify card is perfect for people that want the choice.
The Amplify Rewards credit card is a credit card which that was launched by St.George.
There may be times when you want to use your points for a holiday, and other times when you would like to save them up to buy a special something. The St.George Amplify card can be used for either purpose.
| Product Name | St.George Amplify | |
|---|---|---|
| Balance Transfer Rate | 0.99% p.a. for 6 months | |
| Interest Rate on Purchases | 18.74% p.a. | |
| Annual Fee | $0 p.a. annual fee for the first year ($79 p.a. thereafter) | |
| Interest Free Period | up to 55 days | |
| Interest Rate on Cash Advances | 20.74% p.a. | |
| Minimum Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
|
$1,000 | |
| Max Credit Limit | $80,000 | |
| Minimum Monthly Repayment | 2% | |
| Credit Card Type | Visa | |
| Late Payment Fee | $9 | |
| Complimentary Travel Insurance | No | |
| Available to Temporary Residents | No | |
| Joint Application | No |
New applicants benefit from:
- 0.99% for 6 months on balance transfers
- When Linked to Amplify Rewards – Earn Double Points with Amplify Rewards: Earn 1 Amplify Points per $1 spent on purchases.
- OR When Linked to Amplify Qantas – Earn Double Qantas Frequent Flyer Points: Earn 1 Qantas Frequent Flyer Points per $2 spent on purchases.
- Qantas Frequent Flyer Rewards Program (normally $82.50 to join)
What’s an Amplify Credit Card all about?
The Amplify Rewards credit card is a unique credit card that has just been launched by St.George. This credit card offers a wide range of rewards for users.
With the St.George VISA Amplify, you included in a rewards programs; you can link your card to Amplify Rewards and collect 1 Amplify point for every dollar you spend. Once you collect a considerable amount of points you can redeem them for some preferred lifestyle goodies.
Since the card is issued by VISA you will also receive all the usual securities consumers receive from VISA, such as preferred by VISA, secure online shopping and more.
Select from a range of Amplify Rewards
Amplify Reward Points can be redeemed any time during the day. A special hotline has been set up for the St.George Amplify Rewards credit card, and cardholders can access this hotline 24 hours a day, 7 days a week, and redeem their points.
The Amplify Rewards credit card is linked to Amplify Rewards. Under this scheme, cardholders can earn Amplify Points when they use the card to make purchases. These points can then be redeemed for a wide variety of products and services and when you are ready to splurge your acquired points. These include;
- Home-wares
- Appliances
- Electronics
- Food and Wines
- Experiences
- Gift Cards
- Travel through Amplify Travel
But it doesn’t stop here, you get two rewards options.
If Amplify Rewards are not your cup of tea you have the option to link your new St.George Amplify Credit Card to the Amplify Qantas Rewards Program and earn 1 Qantas Frequent Flyer point for every $2 spent on purchases.
In return for using your credit card frequently you will rack up a healthy rewards point score. To redeem your points you can select from an extensive pool of services and products:
- Classic Award flights
- Over 1200 products
- Experiences
- Vouchers from the Qantas Frequent Flyer online store.
- Plus for a limited time you get free access to the Qantas Frequent Flyer membership (worth $82.50).
St.George Amplify card features
- Get a choice of rewards since your card can be linked to either Amplify Qantas or Amplify Rewards.
- Receive up to 55 days of interest-free purchases.
- $0 p.a. annual fee for the first year ($79 p.a. thereafter).
- 0.99% for 6 months balance transfers from the date your account is first opened.
- Purchase rate of 18.74%.
- Cash advance rate of 20.74%.
- $1,000 minimum credit limit.
- Your account will be linked to your other St.George accounts.
How to redeem Amplify Points
Amplify Points can be redeemed by dialling 1300 489 586 and following the automated prompts. They can also be redeemed by calling the Amplify Rewards Centre at 1300 489 586 between 8am and 8pm (AEST) Monday to Friday, excluding National Public Holidays.
If you choose to redeem the Amplify Points for Gift cards or vouchers, these cards or vouchers should arrive within 5 business days. Any products that you redeem your points for should arrive within 10 business days. Airline points transfers are usually made within 3 business days. You can view the delivery status of any Amplify redemptions which you have made online, or you can call the Amplify Rewards Centre to check on their status.
Variable Points Plus Pay
Variable Points Plus Pay is a system which allows greater flexibility for points redemption. You can split the cost of a redemption between your points and a payment from your Amplify credit card. Variable Points Plus Pay can be used on all kinds of redemptions other than the transfer of Amplify points to Airline points and Miles, and other bank related fees such as the waiving of an annual fee.
Bonus Partners
Bonus Partners are merchants who participate with the Amplify Rewards program to offer Amplify credit cardholders chances to earn even more points. A detailed list of Bonus Partners is available on the Amplify Rewards card website. Partners include Always on Sale, Dreamworld, Lush, Quickflix, Pacific Magazines and WhiteWater World. When you make purchases at these merchants with your St.George Amplify credit card, you can earn Bonus Amplify Points for every dollar that you spend.
Points Calculator
An Airline points conversion calculator is available for Amplify credit card holders. This calculator provides cardholders with a simple way to calculate how many of their Amplify points can be converted to air points or air miles with participating Airline points loyalty programs. This calculator allows cardholders to enter their desired number of Amplify points, or the amount of Airline points that they would like to have. After submitting this information, the calculator will then inform cardholders:
- How many Amplify points they need to transfer for their desired number of Airline points, or
- How many Airline points they can transfer for a specific number of Amplify points.
How to check Amplify Points’ balance
If you are a St.George Amplify credit card holder, your Amplify Points balance will be displayed on most pages of the Amplify website after you have logged in. The Amplify Statement can be viewed online and outlines:
- Details of transactions made with Bonus Partners and the number of Bonus points earned
- The total number of Amplify Reward Points available
- Any redemptions that have been claimed since the last statement
- The total number of Amplify Rewards Points that have been earned on purchases
The Amplify Rewards website
You can activate your Amplify Rewards credit card on the Amplify Rewards website; you can do so even if you are not a member of St.George online banking. The Amplify Rewards website is separate from the St.George online banking website. It is recommended that cardholders use different passwords for the two websites.
Cardholders can generate a temporary Amplify Rewards account password on the Rewards website by simply providing their credit card number, birth day and email address. If the correct information is provided on the Amplify Rewards website, a temporary password is emailed to the registered email address.
Browser recommendations for viewing the Amplify Rewards website
Amplify Rewards requires usage of Internet Explorer version 5.1 or higher. This is necessary to maximize your website experience and ensure the highest level of Internet security. The Amplify Rewards website uses digital security certificates to protect the confidentiality of any personal information on the website. These certificates are issued by VeriSign and protect the integrity of the Internet browsing session.
Since January 2003, VeriSign has stopped supporting the digital certificates which are installed in versions of Internet Explorer 5.0 and lower. These browsers do not support 128-bit SSL encryption, which is the highest level of Internet security. Because of this, you may experience browsing difficulties if you are using a version of Internet Explorer which is below Version 5.1. In order to check which version of Internet Explorer you are using, you should go to the ‘help’ button on the top menu bar of Internet Explorer, scroll down and choose ‘About Internet Explorer’. The version number will be mentioned in the box that opens.
Difficulties activating account or logging in
You may experience difficulties logging in or activating your account, if the relevant page does not display properly. Such a circumstance is likely to occur if you are using a version of Internet Explorer which is lower than Version 5.1. To ensure the highest level of internet security and confidentiality, Amplify Rewards requires that your browser must be Internet Explorer 5.1 or higher. This is due to the fact that Amplify Rewards uses VeriSign to maintain the security levels.
If you are unsure as to the version of Internet Explorer that you are using, you can check it out from the ‘help’ button on the top menu bar of Internet Explorer. If you select this button and scroll down, you can click on ‘About Internet Explorer’, which will display the version number of Internet Explorer that you are using.
What are the terms and conditions of the Amplify Rewards card?
Like all credit cards, the Amplify Rewards card has some specific terms and conditions regarding the use of the card and redeeming rewards points.
Amplify points are earned on purchases. They are not earned on any kind of cash advances. If your card is in arrears for 2 consecutive statement cycles, cardholders will not be eligible for points. A minimum of 3000 points must be earned before the points can be redeemed.
When redeeming points for travel services, cardholders should be aware that bookings are dependent on availability. For instance, if a flight is already booked out completely, reward points cannot be redeemed for a seat on that flight.
In order to redeem Airline points or Miles, cardholders need to be an existing Airline points or Miles member. A minimum of 3000 Amplify rewards needs to be earned before the points can be redeemed for airline points.
In addition, other terms and conditions do apply for the use of the St.George Amplify Rewards credit card.
How to apply for a St.George Amplify VISA Credit Card
When you are ready to apply, click on the "apply now" link below. You’ll need to provide:
- Your driver’s licence number
- Weekly income after tax
- Details of your savings, assets and/or investments
- The repayment amounts and balances owing on any other credit cards, store accounts, etc.
If you need more information before applying, click the "find out more" button below.
Read the St.George Amplify terms and conditions.
| Minimum Age | 18 years of age | |
|---|---|---|
| Available to Temporary Residents | No | |
| Credit Rating Requirement | Good | |
| Min Credit Limit This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure. | $1,000 | |
| Max Credit Limit | $80,000 |
| Annual Fee | $0 p.a. annual fee for the first year ($79 p.a. thereafter) | |
|---|---|---|
| Minimum Repayment | 2% | |
| Late Payment Fee | $9 | |
| Over Limit Fee | $9 | |
| Foreign Currency Conversion Fee | 3% | |
| Gambling Transactions Allowed | No | |
| Additional Cardholder Fee | $0 | |
| Number of Additional Cardholders | 1 |
Pros
- Next time you have the itch to redeem your rewards points, they can be redeemed 24/7 through the Amplify Rewards Hotline.
- A competitive balance transfer rate paying 0.99% for 6 months on balances transferred to the St.George Amplify Rewards Card.
- For a limited time. St.George has chosen to waive the Qantas Frequent Flyer membership joining fee for it's Amplify Rewards customers. There is a limit of one complimentary membership per new account.
- A annual fee of just $0 for the first year ($79 thereafter).
Cons
- If your account is in arrears for two consecutive statement periods, points will not be earned on purchases.
- Up to 55 days interest free will not apply until you have paid off any amount owning under a balance transfer in full.
- Balance transfers are not be accepted from personal loans or overdrafts.
Read the St.George Amplify terms and conditions.
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8 Responses to St.George Amplify Rewards Credit Card – Details & Application
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Already have a qantas frequent flyer card can I link the rewards to that card or do I have to apply for a new membership card? Also the card I wish to have a balance transfer to has my middle and first names back to front will that be a problem? When I set up my current home loan with St.George the card in question caused a major headache.
Hi Howard,
Great question. For a new customer, to link your existing Qantas Frequent Flyer membership to your St.George Amplify Rewards account simply choose Amplify Qantas as your rewards program option, make sure to include you Qantas Frequent Flyer membership details on credit card application. For existing customers who would like to switch from Amplify Rewards to Amplify Qantas all you need to do is complete a ‘program switch request’. If there are any problems don’t hesitate to get in contact with a St.George member of staff. If your personal details appear incorrectly on your credit card, the best course of action is to take the card back to the bank to have the situation rectified as soon as possible to avoid any more headaches. Thanks for your question, hope this helps.
Cheers
Jeremy
Can I apply for a St George card as a balance transfer from a Suncorp Credit Card? Can 2 people apply for the one card?
Hi Paul,
Thanks for the question. You are able to perform a balance transfer between St.George and Suncorp credit cards. for information about which cards you are able to transfer a balance between at a low rate of interest check our article (http://www.creditcardfinder.com.au/balance-transfer-criteria-which-banks-am-i-able-to-transfer-my-balance-to-and-from.html). For a list of providers that allow joint-account credit cards please refer to our guide on the topic (http://www.creditcardfinder.com.au/joint-account-credit-cards.html). Cheers.
Jeremy
With the Amplify card can the reward points from all cards be assigned to one card holder? we would have 3 cards. can existing business cards be easily reissued as Amplify cards.
Hi Barry. This card is for general consumer use only. If you’re interested in a business credit card, head to our comparison page. If you’re referring to additional cardholders on the primary account, all spend and rewards earnt on these cards will be created to the primary account.
I already have a frequent flyer Visa card with the anz bank. Seeing as all my business is with St.George can I transfer to St.George and get my existing points transferred?
Hi Valma,
that’s a great question.
Qantas Frequent Flyer points are held in your Qantas Frequent Flyer membership account, not on your credit card, so if one credit card is closed and another opened no points should be lost. An existing Frequent Flyer account can be linked with the St.George Amplify card so Frequent Flyer points are earned at the rate of 1 point for every $2 spent on eligible purchases.
I hope this helps,
Marc.