How to Apply for your St. George Amplify Qantas Platinum
The St. George Amplify Qantas Platinum Credit Card is tailored for travelers who want to maximize their Qantas Points and enjoy added financial benefits when flying.
It is more than just a card for frequent travelers; it’s designed to enhance your entire travel experience, from earning points on purchases to providing insurance for peace of mind.
But before we dive into its features and benefits, let’s answer one essential question:
Who is this card for?
The St. George Amplify Qantas Platinum Credit Card is for people who want to make their travels more rewarding, whether by earning Qantas Points or benefiting from other travel perks.
This card isn’t only for frequent fliers, it’s also great for anyone planning to make larger purchases that can be converted into rewards for future flights or holidays.
From your daily purchases to significant travel-related expenses, every transaction brings you closer to your next adventure.
If you’re the kind of traveler who gets excited about planning the next getaway or accumulating points for a dream trip, this card is your perfect companion.
You could be booking that impromptu weekend trip or setting your sights on a far-flung destination, and your Qantas Points will help you get there.
St. George Amplify Qantas Platinum Credit Card Benefits
Qantas Points
One of the significant perks of this card is the ability to earn Qantas Points. Here’s how it works:
- 50,000 Qantas Points as a sign-up bonus when you spend $3,000 or more on eligible purchases within the first 90 days from card approval.
- 0.5 Qantas Points per dollar spent on eligible purchases, up to $100,000 per year.
The bonus points offer is appealing to those planning to use the card for larger expenses shortly after signing up. These points could be the key to your next big adventure, whether you’re eyeing domestic or international flights.
When it comes to earning potential, it’s also essential to note that while you can accumulate points with your purchases, there is a cap of $100,000 in eligible purchases per year for points accumulation.
That means if you are a big spender, this limit may affect your ability to rack up significant points after reaching the cap.
Offers and Discounts
This card also gives you access to exclusive offers and discounts, especially when shopping through ShopBack.
By linking your St. George Amplify Qantas Platinum Credit Card to ShopBack, you can enjoy cashback on your purchases, effectively increasing the value of your spending.
Moreover, the card provides access to Visa’s Luxury Hotel Collection, which guarantees the best available rates and upgrade benefits when available.
These offers are perfect for those who frequently stay in high-end hotels or want to make their travel experiences more luxurious without breaking the bank.
Complimentary Insurances
Another standout feature of the St. George Amplify Qantas Platinum Credit Card is its suite of complimentary insurance coverages. When traveling, having reliable insurance is essential for peace of mind. Here are the key types of coverage offered with this card:
- Interstate Flight Inconvenience Insurance: This covers you in case of delays or cancellations during interstate flights, ensuring you’re not left stranded without compensation.
- Rental Vehicle Excess in Australia: If you rent a car while traveling within Australia and find yourself in an accident, this insurance will help cover the excess charges.
- Complimentary International Travel Insurance: cardholders enjoy up to3 months of free international travel insurance. This insurance protects you in case of medical emergencies, lost luggage, or unexpected delays when traveling abroad.
- Purchase Protection: When you buy items using your card, you’re covered for accidental damage or theft for up to 4 months, ensuring your new purchases are protected.
- Extended Warranty: Enjoy an extended warranty on items you purchase with your card, offering extra peace of mind on big-ticket purchases like electronics or appliances.
- Overseas Transit Accident Insurance: In case of an accident during your travels, this insurance provides additional financial protection.
These insurances help transform the St. George Amplify Qantas Platinum Credit Card into more than just a points earner; it’s a card that provides a sense of security during your trips, allowing you to travel with confidence.
Fees and Tariffs
While the card offers an array of benefits, it’s essential to understand the associated costs:
- Annual Card Fee: $124
- Qantas Rewards Program Fee: An additional annual fee of $75 to participate in the Qantas Rewards program.
- Interest Rate: 20.99% p.a. on purchases.
- Cash Advance Fee: 3% of the cash advance amount.
- Foreign Transaction Fee: 3% on international purchases.
- Late Payment Fee: $15 per late payment.
These fees make it crucial for potential cardholders to consider their usage.
For instance, if you don’t plan on using the card frequently or maximizing the Qantas Points rewards, the annual fees may not be worth it.
However, if you’re an avid traveler who can take full advantage of the travel-related perks, the fees may be justified.
St. George Amplify Qantas Platinum Credit Card Pros and Cons
Every credit card comes with its share of pros and cons, and the St. George Amplify Qantas Platinum Credit Card is no exception.
Pros
- Great for travelers: This card is ideal for those who frequently travel and want to maximize their Qantas Points.
- Complimentary insurances: The inclusion of various travel and purchase protection insurances is a significant benefit, offering extra peace of mind.
- Exclusive offers: From cashback deals through ShopBack to access to luxury hotel benefits, this card provides plenty of opportunities to save money while enjoying premium services.
- Decent Qantas Points Earn Rate: With 0.5 Qantas Points per dollar spent, this card allows you to steadily accumulate points for future travel.
- Sign-up bonus: The 50,000 Qantas Points bonus is a valuable offer, especially if you plan to make significant purchases soon after applying.
Cons
- High annual fees: The card comes with multiple fees, including the $124 annual fee and the $75 Qantas Rewards Program fee, which could add up if you don’t frequently take advantage of the benefits.
- High interest rate: With a 20.99% p.a. interest rate on purchases, it’s not the best card if you plan on carrying a balance. Paying off your balance in full every month is critical to avoid costly interest charges.
- Spending cap: The 0.5 Qantas Points per dollar is capped at $100,000 in eligible purchases annually, which may limit high spenders’ ability to earn substantial rewards.
Prerequisites
To apply for the St. George Amplify Qantas Platinum Credit Card, you’ll need to meet a few basic requirements:
- You need to be a permanent resident in Australia/NZ or a non-resident or migrant and hold an acceptable Visa, with a minimum of 1 year before expiry
- Be over 18 years old.
- Have a regular, verifiable Australian taxable income
If you meet these criteria, you’re likely eligible to apply for this card. However, be sure to check the detailed terms and conditions on the St. George Bank website or with a bank representative to ensure you qualify.
Also, you may need to provide some documentation like proof of identity, proof of address, proof of income, etc.
How to Apply for the St. George Amplify Qantas Platinum Credit Card
Applying for the card is straightforward. You have three options:
- In-Branch Application: Visit a St. George Bank branch to receive personal assistance and help with the application process.
- Online Application: Apply online through the St. George Bank website for a quick and easy application process.
- Phone Application: Call St. George customer service, and they will guide you through the steps.
Once your application is submitted, it will be reviewed by the bank. If approved, your new card will be mailed to you, and you can start enjoying the benefits right away.
Conclusion
The St. George Amplify Qantas Platinum Credit Card is a well-rounded option for travelers who frequently fly and want to make the most of their purchases through Qantas Points.
With a solid sign-up bonus, complimentary insurance coverage, and access to cashback deals, the card provides value for those who maximize its benefits. However, the high annual fees and interest rates may not make it suitable for everyone.
If you’re a disciplined spender who loves to travel and can take full advantage of the card’s offerings, this card could become your ultimate travel companion.
