Advertisements
When choosing the right credit card, you want something that works for you – not against you. Whether you’re after rewards, perks, or just a solid card that keeps up with your lifestyle, the St.George Amplify Platinum Card ticks all the right boxes.
In this guide, we’ll take you through the benefits, what to look out for, and how to apply – all while keeping things laid-back, just like we Aussies like it.
What Sets the St.George Amplify Platinum Card Apart?
The St.George Amplify Platinum Card is perfect for Aussies who want more from their spending. If you’re looking to make the most out of every dollar while enjoying a bit of extra security and peace of mind, this card offers some stellar perks.
Amplify Rewards Program – More Bang for Your Buck
At the heart of this card’s appeal is the Amplify Rewards Program. For every dollar you spend on eligible purchases, you’ll earn points that can be redeemed for everything from flights to gift cards. Planning a trip to Bali or a weekend getaway to the Gold Coast? Use your points to make it happen! With this card, you’ll be amplifying your rewards with ease.
Advertisements
Complimentary International Travel Insurance – No Worries!
One of the standout benefits is the complimentary international travel insurance. Picture this: You’re all set for a well-deserved overseas break, but disaster strikes with a lost suitcase or a sudden medical emergency.
No need to stress – this insurance has you covered for overseas medical expenses, lost luggage, and a few other unexpected hiccups along the way.
Tap & Pay – Quick, Easy, and Secure
Contactless payments have become the norm, and with the St.George Amplify Platinum Card, you can enjoy Tap & Pay convenience at thousands of retailers across Australia and beyond. Plus, with added security features like fraud monitoring, you can shop with peace of mind, knowing your card has your back, both at home and abroad.
What to Consider Before Signing Up
While the perks are plenty, it’s always smart to check the finer details before committing. Here are a few things you should weigh up before applying for the St.George Amplify Platinum Card.
Annual Fee
The card comes with an annual fee of $99, which is fairly standard for a card of this level. If you’re a frequent spender who maximises the rewards, this fee can be offset by the benefits you’ll receive. However, if you’re after a no-fee option, this might be a factor to consider.
Advertisements
Interest Rates
With a purchase interest rate of 19.49% p.a., it’s crucial to pay off your balance in full each month to avoid racking up interest charges. The cash advance interest rate is even higher at 21.49% p.a., so it’s best to avoid using the card for cash withdrawals unless absolutely necessary.
Balance Transfer Offer – Get Ahead on Your Debt
For those looking to consolidate existing credit card debt, the St.George Amplify Platinum Card offers a balance transfer rate of 0% p.a. for the first 24 months. This is a great way to chip away at your debt without incurring additional interest, but keep in mind that after 24 months, the rate jumps to 21.49% p.a.
Eligibility Criteria: Do You Qualify?
Thinking about applying? Make sure you meet the following basic requirements:
- Be at least 18 years old.
- Be a permanent resident of Australia or hold a valid visa.
- Have a good credit score.
- Provide proof of a minimum annual income of $35,000.
If you’ve got these bases covered, you’re all set to apply. Just have your documents ready, including proof of income and identification, before you get started.
Fees and Charges: What to Watch Out For
Like most premium credit cards, the St.George Amplify Platinum Card comes with its share of fees and charges. Here’s a quick rundown:
- Annual Fee: $99
- Purchase Interest Rate: 19.49% p.a.
- Cash Advance Interest Rate: 21.49% p.a.
- Late Payment Fee: $15
- Balance Transfer Rate: 0% p.a. for 24 months (reverting to 21.49% p.a.)
It’s always a good idea to stay on top of your payments to avoid late fees and interest charges. Setting up automatic payments or alerts can be a simple way to keep things in check.
How to Apply for the St.George Amplify Platinum Card
Applying for the St.George Amplify Platinum Card is a straightforward process, and you can do it all from the comfort of your home. Here’s a quick step-by-step guide:
- Visit the St.George Website: Head to the St.George Amplify Platinum Card page to start your application.
- Click “Apply Now”: This will take you to the online application form.
- Fill in Your Details: Enter your personal information, such as your name, address, and income details.
- Upload Your Documents: You’ll need to submit proof of income and ID, so make sure those are handy.
- Review and Submit: Once you’ve completed everything, review your details and submit.
After you’ve completed the application, St.George will typically process it within 5-7 business days, and if all goes well, you’ll have your new card in no time.
Need Help? Here’s How to Get in Touch
St.George offers a few ways to get in touch if you have any questions or need assistance:
- Phone: Give them a call on 13 33 30 (within Australia).
- Live Chat: Visit the St.George website and use their live chat feature to get real-time support.
- Branch: If you prefer a face-to-face chat, head to your nearest St.George branch.
Frequently Asked Questions (FAQs)
1. Can I add a cardholder?
Yes, you can add cardholders at no extra cost. They’ll have their card linked to your account, but both will share the same credit limit.
2. How do I earn Amplify Rewards points?
You’ll earn points for every dollar spent on eligible purchases. These points can be redeemed for travel, gift cards, and more through the Amplify Rewards Program.
3. What happens if I miss a payment?
A late fee of $15 will apply if you miss a payment, and interest will be charged on the outstanding balance. Setting up auto-payments can help you avoid missing due dates.
4. Can I use this card overseas?
Yes, the St.George Amplify Platinum Card is accepted internationally, and you’ll also benefit from the complimentary travel insurance when using the card overseas.
Final Thoughts: Is It the Right Card for You?
The St.George Amplify Platinum Card is a top choice for anyone looking to get more from their everyday spending. Whether you’re after rewards for travel, insurance for peace of mind, or a balance transfer option to manage your debt, this card offers it all. Sure, the annual fee and interest rates are things to keep in mind, but for the perks you’re getting, it could easily be worth it.
If you’re after a card that suits your financial goals and lifestyle, the St.George Amplify Platinum Card could be your smartest financial move yet.
