St.George Amplify Rewards Platinum
Churn value: $126 in gift cards.
You pay $174 in first-year fees.Spend $3,000 in 90 days.You get $300 in Woolworths gift cards.
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 $250 fee.
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?
$3,000 within 90 days — about $1,000 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 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 $3,000 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 gift cards. Points you never use are worth zero.
- Close the card before the next fee — keeping it costs $250 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 $250 each year ($175 annual fee + $75 program fee) — the first year was $174.
The year-two bonus is 25,000 St.George Amplify points.
Ongoing earn: 1.00x St.George Amplify points per $1.
Keeping pays off only if you meet the second-year conditions and use the points and benefits enough to cover $250/yr.
What else makes the card useful?
Reward use
Ways to turn points into value.
- Points Transfer Benefits Compare across cards →Amplify Rewards points can be converted to Everyday Rewards points and transferred to airline/frequent flyer and other transfer-partner programs; eligibility and T&Cs apply
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Amplify Rewards points can be converted to Everyday Rewards points and transferred to airline/frequent flyer and other transfer-partner programs; eligibility and T&Cs apply
Purchase protection
Cover on things you buy with the card. Limits, excesses, and activation conditions apply.
- Purchase Protection Insurance Compare across cards →New items charged to the card covered against theft, accidental damage or loss for 4 months, up to $10,000 per item ($3,500 for jewellery, watches and new works of art); $300 excess applies
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New items charged to the card covered against theft, accidental damage or loss for 4 months, up to $10,000 per item ($3,500 for jewellery, watches and new works of art); $300 excess applies
- Extended Warranty Insurance Compare across cards →Extends the manufacturer's Australian warranty on eligible products by an equal period up to a maximum of 2 extra years, up to $20,000 per product; $300 excess applies
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Extends the manufacturer's Australian warranty on eligible products by an equal period up to a maximum of 2 extra years, up to $20,000 per product; $300 excess applies
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 with best available rate guarantee, room upgrade when available and one daily breakfast per person; valid at participating properties when paying with the Visa card
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Access to Visa Luxury Hotel Collection with best available rate guarantee, room upgrade when available and one daily breakfast per person; valid at participating properties when paying with the Visa card
- Travel Insurance Compare across cards →Complimentary international travel insurance for cardholders under 81 for trips up to 3 consecutive months (Level 2 Card) when at least $500 of prepaid travel is charged to the card and a return ticket is held; overseas emergency medical, evacuation and cancellation cover is…
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Complimentary international travel insurance for cardholders under 81 for trips up to 3 consecutive months (Level 2 Card) when at least $500 of prepaid travel is charged to the card and a return ticket is held; overseas emergency medical, evacuation and cancellation cover is unlimited (no capped sum). Also includes domestic Interstate Flight Inconvenience cover (cancellation up to $3,000, flight/luggage delay) when the return interstate flight is charged to the card
- Transit Accident Insurance Compare across cards →Overseas Transit Accident Insurance pays a benefit for injury (up to $750,000 for loss of life) while travelling as a passenger on public transport when the entire trip cost is charged to the card
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Overseas Transit Accident Insurance pays a benefit for injury (up to $750,000 for loss of life) while travelling as a passenger on public transport when the entire trip cost is charged to the card
- Rental Vehicle Insurance Compare across cards →Rental vehicle excess cover in Australia and overseas up to $5,500 (or the excess specified in the rental agreement, whichever is lesser) for a vehicle damaged or stolen while in your custody; $300 excess applies
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Rental vehicle excess cover in Australia and overseas up to $5,500 (or the excess specified in the rental agreement, whichever is lesser) for a vehicle damaged or stolen while in your custody; $300 excess applies
Everyday savings
Discounts and cashback on spending. Activation and caps vary.
- Shopping Benefits Compare across cards →Access to My Offers Hub deals and discounted gift cards, plus personalised Visa Offers and Perks discounts
These amounts are not included in the bonus calculation.
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Access to My Offers Hub deals and discounted gift cards, plus personalised Visa Offers and Perks discounts
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
- Installment Plans Compare across cards →Plan&Pay lets cardholders split eligible purchases into fixed monthly instalments
This is a repayment plan. It does not add reward value.
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Plan&Pay lets cardholders split eligible purchases into fixed monthly instalments
- 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 →Add one additional cardholder aged 16 or over for free, with all spend and points kept on the one account
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Add one additional cardholder aged 16 or over for free, with all spend and points kept on the one account
- Online Banking Features Compare across cards →Repayment management tools via St.George Internet and Mobile Banking including Plan&Pay, Autopay, and SMS and email alerts
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Repayment management tools via St.George Internet and Mobile Banking including Plan&Pay, Autopay, and SMS and email alerts
$300 in Woolworths gift cards (68,400 of 78,000 St.George Amplify points; 9,600 left over) − $99 card fee − $75 program fee. Assumes you earn the bonus and pay in full; extra spend or interest changes the outcome.
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.
- Gift card prices can change. I check them again at renewal time.
Did this help you make a decision?
Terms and evidence
Full current terms
Offer terms
First Year Points
75,000 points
St.George Amplify
Second Year Points
25,000 points
With $175 annual fee
Minimum Spend
$3,000
within 90 days (about 3 months)
Ongoing Earn Rate
1.00x points per $1 spent
Fees
First Year Annual Fee
$99
Ongoing Annual Fee
$175
From year 2 onwards
Program Fee
$75
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
- Hotel BenefitsUpdated May 2026
- Interest Free PeriodsUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
- No Additional Cardholder FeeUpdated May 2026
- Transit Accident InsuranceUpdated May 2026
- Extended Warranty InsuranceUpdated May 2026
- Purchase Protection InsuranceUpdated May 2026
Offer terms history (15 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 13
Changes from terms version 12
Changes from terms version 11
Changes from terms version 10
No recorded term changes from the previous version.
No recorded term changes from the previous version.
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 30/04/24 to 31/07/243 years ago
- Expiration changed from 06/11/23 to 30/04/24, Bonus from 90K to 100K, Second Year Annual Fee from 99 to 1243 years ago
- Offer expiry moved from 30/11 to 6/113 years ago
- Krisflyer redemtion changed from 2:1 to 3:13 years ago
- Second year annual fee increased from $99 to $1243 years ago
- Offer extended to 19 july 20233 years ago
- Annual fee increased from $29 to $49. Kayo deal removed. Bonus lowered from 100k to 90k4 years ago
- Offer extended to 30/11/224 years ago
- Expiration changed from 31/12/2022 to 30/11/20224 years ago
Discussion
About the current terms (published 11 Oct 2026).
Community and personal tools
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