How to Apply for your St. George Amplify Qantas Platinum

The St. George Amplify Qantas Platinum credit card is an appealing option for frequent travelers and those looking to earn rewards with one of Australia’s most well-known airlines, Qantas. This card offers a combination of travel benefits, insurance coverage, and Qantas Points for eligible purchases.

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With the ability to earn points towards flights, upgrades, and more, this card is tailored for individuals who want to maximize their rewards potential while enjoying premium benefits.

In this article, we will dive into the key features of the St. George Amplify Qantas Platinum, including its benefits, prerequisites, fees, and more, to help you determine whether it’s the right choice for you.

Benefits of the St. George Amplify Qantas Platinum

The St. George Amplify Qantas Platinum credit card comes packed with several compelling benefits that make it a great option for Qantas Frequent Flyers. Some of the key benefits include:

• Qantas Points on Eligible Purchases: You can earn 0.5 Qantas Points for every dollar spent on eligible purchases, up to $100,000 annually. This allows cardholders to accumulate a significant number of Qantas Points, which can be redeemed for flights, upgrades, shopping, and more. With no cap on points accumulation up to the $100,000 limit, you can accelerate your point balance over time.
• Bonus Qantas Points: As a new cardholder, you can earn 75,000 bonus Qantas Points when you spend $4,000 or more on eligible purchases within the first 90 days of receiving the card. This bonus can provide a great boost to your points balance and bring you closer to booking your next flight or upgrade.
• Complimentary Insurances: The St. George Amplify Qantas Platinum credit card provides access to a wide range of complimentary insurance covers. These include:

1. Interstate Flight Inconvenience Insurance
2. Rental Vehicle Excess Insurance (in Australia)
3. Up to three months of International Travel Insurance
4. Extended Warranty Protection for up to four months
5. Overseas Transit Accident Insurance

These insurance protections can provide peace of mind during your travels and shopping, offering coverage in case of mishaps or accidents.

• Visa Luxury Hotels: With access to the Visa Luxury Hotel Collection, you can enjoy the best available rates and potential room upgrades at luxury hotels worldwide. This can enhance your travel experience by offering high-end accommodations with additional perks.
• Interest-Free Days: Enjoy up to 55 days of interest-free purchases, giving you ample time to pay off your balance before interest charges apply. This feature can be particularly useful for those who prefer to carry a balance without incurring interest.
• Additional Cardholder for Free: You can add a second cardholder (aged 16 or over) to your account at no extra cost. This can be beneficial for couples or families looking to consolidate their points and spend on one account.
• Fraud Protection and Secure Payments: The card offers 24/7 fraud monitoring, Secure Online Shopping, and the St. George Fraud Money Back Guarantee, ensuring that your transactions are safe and secure. Additionally, you can make purchases using mobile wallets like Apple Pay, Google Pay, and Samsung Pay for added convenience.
• My Offers Hub: Gain access to St. George’s My Offers Hub, which features a variety of offers and promotions to help you save on everyday purchases, making your financial life a little sweeter.

Pre-requisites of the St. George Amplify Qantas Platinum

Before applying for the St. George Amplify Qantas Platinum credit card, there are a few eligibility requirements to meet:

• Age Requirement: You must be at least 18 years old to apply for the card.
• Residency Status: You must be an Australian or New Zealand citizen or hold an acceptable Australian visa. You should also have a fixed residential address in Australia.
• Income: You need to have a regular, verifiable taxable income for at least 3 months (18 months for self-employed individuals).
• Credit Rating: You must be up to date with your regular repayments, including rent, home loans, credit cards, and other loans. A good credit rating is essential for approval.
• Additional Documentation: Depending on your application, you may be required to submit additional documents, such as proof of income, identification, and confirmation of any existing debts. These will be requested during the application process.

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Pros and Cons of the St. George Amplify Qantas Platinum

While the St. George Amplify Qantas Platinum credit card offers a wide array of benefits, there are some pros and cons to consider before applying.

Pros

• Generous Qantas Points: The ability to earn 0.5 Qantas Points per dollar spent on eligible purchases is great for frequent travelers looking to build their points balance quickly.
• Bonus Points: The 75,000 Qantas Points bonus is an attractive offer for new cardholders, helping them get a head start in their rewards journey.
• Complimentary Travel Insurance: Access to comprehensive insurance coverage, including international travel insurance, is a significant benefit, providing peace of mind during trips.
• No Annual Fee for First Year: If you’re already a St. George customer, you can enjoy a discounted annual fee of $49 for the first year, making it a more cost-effective option initially.
• Luxury Hotel Perks: The Visa Luxury Hotel Collection offers attractive benefits, making it a good choice for travelers who enjoy staying in premium accommodations.

Cons

• Annual Fees: The $124 annual card fee and the $75 annual Qantas Rewards Program fee may be considered high compared to some other cards, especially if you’re not maximizing the rewards or benefits.
• Interest Rate: The interest rate of 20.99% p.a. on purchases is relatively high, which can make carrying a balance expensive if you’re unable to pay off your balance in full each month.
• Limited Points Earning Potential: While the 0.5 Qantas Points per dollar is a good rate, some other cards in the market may offer higher rates for earning points or provide additional bonus categories for spending.

About St. George Bank

St. George Bank is one of Australia’s leading financial institutions, offering a wide range of banking products, including savings accounts, home loans, and credit cards. Established in 1937, the bank has a long history of serving customers across Australia. St. George is known for its customer-friendly services, innovative digital banking solutions, and competitive credit card offerings.

As part of the Westpac Banking Corporation group, St. George offers strong backing and a reputation for reliability in the financial industry.

Who is the St. George Amplify Qantas Platinum Card For?

The St. George Amplify Qantas Platinum credit card is ideal for individuals who are frequent travelers, particularly those who are loyal to Qantas and want to earn points towards flights, upgrades, and other rewards. It is also a great option for those who want to take advantage of complimentary travel insurance and the added benefits of the Visa Luxury Hotel Collection.

Additionally, individuals who already have a St. George bank account can benefit from the first-year fee discount and the opportunity to consolidate their spending and points earning on a single account.

Step-by-Step Guide to Applying for the St. George Amplify Qantas Platinum

Applying for the St. George Amplify Qantas Platinum credit card is a straightforward process. Here’s how you can apply:

1. Check Eligibility: Ensure you meet the eligibility criteria, including age, residency status, and income.
2. Gather Documents: Prepare your identification documents and proof of income, as well as any other requested documents.
3. Complete the Application: You can apply online through the St. George website. Provide your details, financial information, and supporting documents.
4. Submit and Wait for Approval: After submitting your application, you’ll need to wait for approval. If your application is successful, you will receive your card and can start using it to earn Qantas Points.

St. George Amplify Qantas Platinum Fees and Tariffs

• Annual Card Fee: $124
• Annual Qantas Rewards Program Fee: $75
• Interest Rate on Purchases: 20.99% p.a. (variable)
• Cash Advance Interest Rate: 21.99% p.a. (variable)
• Late Payment Fee: $15 per missed payment
• Foreign Transaction Fee: 3% of the Australian dollar value for overseas transactions
• Balance Transfer Fee: 3% of the transferred amount

Conclusion

The St. George Amplify Qantas Platinum credit card is an excellent option for individuals who frequently travel with Qantas and want to earn rewards towards flights and upgrades. With a range of complimentary insurances, bonus Qantas Points, and the ability to earn points on everyday purchases, this card offers plenty of value for those who meet the eligibility requirements.

However, the higher annual fees and interest rates may not make it the best option for everyone. If you’re looking for a card that offers strong travel benefits and you’re a regular Qantas flyer, this card is worth considering.

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