St.George Amplify Platinum - Qantas
Churn value: $841 in flights.
You pay $300 in first-year fees.Spend $4,000 in 90 days.You get 71,320 Qantas points, worth about $1,141 in flights.
The recorded minimum requirements are that you can take a credit limit of at least $6,000. Meeting them does not guarantee approval.
It is only worth it if you pay in full each month and close the card before the next $300 fee.
From Sydney, that is 3 return trips to Melbourne in Economy, plus 1 one-way trip, or 21% of a return trip to London in Business. It depends where you fly. See what the points buy ↓
Available
This page is my best effort to summarise the card's terms from the information I found. Read the bank's terms for full details, or contact the bank if you have questions.
I'd like to use my bonus for:
Can I get this?
This offer is advertised to the public. Bonus conditions and the bank’s approval requirements still apply.
Can I get this bonus if I have held a card before?
I have not checked the waiting period for this bonus.
See the waiting rules for every Australian bank →What must I spend?
$4,000 within 90 days — about $1,333 per month.
Can I get the card?
The minimum credit limit is $6,000. This is the least the bank may let you borrow.
I do not have a minimum income for this card.
Meeting the bonus rules does not mean the bank will approve your application. The bank must assess and approve the card separately.
How long is this available?
I do not have an end date for this offer.
What do the points buy?
It depends where you fly. From Sydney, 71,320 Qantas points buys:
| Trip | Points for 1 return trip | You can book |
|---|---|---|
| Sydney → Melbourne, Economy | 18,400 | 3 return trips, plus 1 one-way trip |
| Sydney → Bali, Economy | 46,600 | 1 return trip, plus 1 one-way trip |
| Sydney → Singapore, Economy | 58,000 | 1 return trip |
| Sydney → London, Business | 332,600 | Not yet — 21% of a return trip |
Prices are Qantas Classic Flight Rewards for 1 person, if a reward seat is free. Airport taxes and fees are extra cash on top. Pick your own start city and trip below.
Sydney to London in Business (166,300 points)
Tap the trip above to pick your start city, where you want to go, and a seat class.
42% of one way trip
Sydney to London (Business): One way flight is 166,300 Qantas points.
With 71,320 points = 0 return trip with 71,320 points remaining.
If you spend another $287,818.18 on the card, you can add another one way trip, zeroing out your point balance for this card.
This card has a second year bonus of 30,000 and an annual fee of $175.
What do I do, step by step?
- Apply. Check the income and waiting rules in “Can I get this?” first. If you do not pass those, the bonus does not come.
- Spend $4,000 in 90 days on bills and shopping you had to pay anyway. Do not buy extra things just to hit the number.
- Pay in full each month. Interest can eat the whole bonus. The churn value at the top assumes you never pay interest.
- Use the points for flights. Points you never use are worth zero.
- Close the card before the next fee — keeping it costs $300 a year. The next section helps you decide if keeping it is worth it.
When this is not worth it
- You pay interest, or you cannot pay in full each month.
- You buy things you do not need to hit the spend target.
- You have no trip or use in mind for the points.
- You keep the card into year two out of habit and pay the fee again.
Should I keep it after the first year?
Keeping the card costs $300 each year ($175 annual fee + $125 program fee) — the first year was $300.
The year-two bonus is 30,000 Qantas points.
Ongoing earn: 0.33x Qantas points per $1.
Keeping pays off only if you meet the second-year conditions and use the points and benefits enough to cover $300/yr.
What else makes the card useful?
Reward use
Ways to turn points into value.
- Points Transfer Benefits Compare across cards →Earn up to 0.75 Qantas Points per $1 on eligible purchases, credited directly to the cardholder's Qantas Frequent Flyer account ($75 annual Amplify Qantas Rewards Program fee applies)
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Earn up to 0.75 Qantas Points per $1 on eligible purchases, credited directly to the cardholder's Qantas Frequent Flyer account ($75 annual Amplify Qantas Rewards Program fee applies)
Purchase protection
Cover on things you buy with the card. Limits, excesses, and activation conditions apply.
- Purchase Protection Insurance Compare across cards →Covers items charged to the card against theft, accidental damage or permanent loss for 4 months from purchase, up to $10,000 per item ($3,500 for jewellery, watches and new works of art), $135,000 total in any 12 months; $300 excess per claim
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Covers items charged to the card against theft, accidental damage or permanent loss for 4 months from purchase, up to $10,000 per item ($3,500 for jewellery, watches and new works of art), $135,000 total in any 12 months; $300 excess per claim
- Extended Warranty Insurance Compare across cards →Extends an eligible product's Australian manufacturer's warranty by an equal period up to a maximum of 2 years (no cover if warranty exceeds 5 years), up to $20,000 per product and per card account in any 12 months; $300 excess per claim
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Extends an eligible product's Australian manufacturer's warranty by an equal period up to a maximum of 2 years (no cover if warranty exceeds 5 years), up to $20,000 per product and per card account in any 12 months; $300 excess per claim
Travel
Travel cover and perks. Most need qualifying bookings or payment with the card.
- Hotel Benefits Compare across cards →Access to Visa Luxury Hotel Collection at participating properties: best available rate guarantee, room upgrade when available and one daily breakfast per person
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Access to Visa Luxury Hotel Collection at participating properties: best available rate guarantee, room upgrade when available and one daily breakfast per person
- Travel Insurance Compare across cards →Complimentary international travel insurance for Level 2 Card cardholders for trips up to 3 consecutive months, when at least $500 of prepaid travel costs are charged to the card and a return overseas ticket is held; cover includes unlimited overseas emergency…
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Complimentary international travel insurance for Level 2 Card cardholders for trips up to 3 consecutive months, when at least $500 of prepaid travel costs are charged to the card and a return overseas ticket is held; cover includes unlimited overseas emergency medical/assistance, cancellation, additional expenses and luggage (subject to sub-limits and a $300 excess)
- Transit Accident Insurance Compare across cards →Overseas Transit Accident Insurance providing accidental death/serious injury cover (e.g. $750,000 loss of life) while travelling as a passenger on public transport during an overseas trip when the entire trip cost is charged to the card; no excess
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Overseas Transit Accident Insurance providing accidental death/serious injury cover (e.g. $750,000 loss of life) while travelling as a passenger on public transport during an overseas trip when the entire trip cost is charged to the card; no excess
- Rental Vehicle Insurance Compare across cards →Rental Vehicle Excess in Australia cover up to the lesser of the rental agreement excess or $5,500 when the entire rental cost is charged to the card; $300 excess per claim
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Rental Vehicle Excess in Australia cover up to the lesser of the rental agreement excess or $5,500 when the entire rental cost is charged to the card; $300 excess per claim
Everyday savings
Discounts and cashback on spending. Activation and caps vary.
- Shopping Benefits Compare across cards →Visa Offers and Perks: personalised discounts and offers for eligible Visa cardholders
These amounts are not included in the bonus calculation.
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Visa Offers and Perks: personalised discounts and offers for eligible Visa cardholders
Account management
Tools for running the account — repayment helpers, not reward value.
- Interest Free Periods Compare across cards →Up to 55 days interest-free on purchases when the Monthly Payment Balance is paid in full by the due date each month; does not cover cash advances
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Up to 55 days interest-free on purchases when the Monthly Payment Balance is paid in full by the due date each month; does not cover cash advances
- Digital Wallet Integration Compare across cards →Supports Apple Pay, Google Pay and Samsung Pay
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Supports Apple Pay, Google Pay and Samsung Pay
- No Additional Cardholder Fee Compare across cards →One additional cardholder (16 or over) can be added for free, with spend and points kept on the one account
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One additional cardholder (16 or over) can be added for free, with spend and points kept on the one account
- Installment Plans Compare across cards →Plan&Pay lets purchase balances be split into fixed instalments
This is a repayment plan. It does not add reward value.
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Plan&Pay lets purchase balances be split into fixed instalments
- Online Banking Features Compare across cards →Repayment management tools including Plan&Pay, Autopay, and SMS and email alerts
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Repayment management tools including Plan&Pay, Autopay, and SMS and email alerts
71,320 Qantas points at 1.6¢ a point − $300 in first-year fees. This is flight value, not cash. It assumes you earn the bonus and pay in full.
This offer is open now (terms from 11 Oct 2026).
What this calculation assumes
- You make the required purchases and the bonus is paid.
- You pay the balance in full — any interest changes the outcome.
- The required spend is ordinary planned spending, not extra cost.
- You close the card before the next annual fee, or you decide keeping it is worth that fee.
Did this help you make a decision?
Terms and evidence
Full current terms
Offer terms
First Year Points
70,000 points
Qantas
Second Year Points
30,000 points
With $175 annual fee
Minimum Spend
$4,000
within 90 days (about 3 months)
Ongoing Earn Rate
0.33x points per $1 spent
Fees
First Year Annual Fee
$175
Ongoing Annual Fee
$175
From year 2 onwards
Program Fee
$125
Additional fee for reward program participation
Purchase Interest Rate
23.98% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Benefit history (8 changes)
- Travel InsuranceUpdated May 2026
- Points Transfer BenefitsUpdated May 2026
- Interest Free PeriodsUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
- No Additional Cardholder FeeUpdated May 2026
- Transit Accident InsuranceUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
Offer terms history (12 versions — old terms, for checking)
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 11 Oct 2026
Availability changed from ended to available; conditions unchanged.
Changes from terms version 10
Changes from terms version 9
Changes from terms version 8
Changes from terms version 7
Changes from terms version 6
Changes from terms version 5
Changes from terms version 4
Changes from terms version 3
Changes from terms version 2
Changes from terms version 1
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Archived notes
Earlier notes about this offer, kept as an archive — not current terms. Note dates are separate from terms publication dates.
- Expiration changed from 27/02/24 to 31/07/24, Bonus from 60K to 70K3 years ago
- Expiration changed from 30/04/24 to 27/02/243 years ago
- Expiration changed from 06/11/23 to 30/04/243 years ago
- Offer expiry moved from 30/11 to 6/113 years ago
- Offer expiry moved from 30/11 to 6/113 years ago
- Card link changed from https://www.stgeorge.com.au/personal/credit-cards/affiliate/amplify-platinum to https://www.stgeorge.com.au/personal/credit-cards/frequent-flyer/amplify-platinum3 years ago
- First year annual fee lowered from $124 to $993 years ago
- Annual fee increased from $99 to $1243 years ago
- Offer extended to 30 June 20234 years ago
- Offer extended from 30/06/2022 to 31/12/20224 years ago
Discussion
About the current terms (published 11 Oct 2026).
Community and personal tools
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