St.George Amplify Platinum credit card, 100,000 bonus points convertible to Velocity and no annual fee first year

Quick look at the St.George Amplify Platinum credit card

The St.George Amplify Platinum credit card is built for Aussies who want rewarding everyday spend and travel perks. New cardholders can snag 100,000 bonus Amplify points when they spend $3,000 in the first 90 days, points that convert to Velocity Frequent Flyer points for flights.

This card also offers no annual fee in the first year, uncapped Amplify Points on eligible purchases and a competitive 0% p.a. balance transfer for 24 months offer. If you value Velocity points and practical travel cover, this card deserves a close look.

Rewards, points conversion and real value

With the St.George Amplify Platinum credit card you earn 1 Amplify Point per $1 on eligible purchases and access generous bonus points up front. The headline 100,000 bonus points can be converted into Velocity points, which often makes it easier to book return domestic or short-haul international travel from Sydney.

Redeeming Amplify Points is flexible: convert to Velocity, pick eGift cards or shop rewards. To maximise the value, plan spending around the sign-up window and convert to Velocity for the best cents-per-point return on flights to popular Aussie destinations like Bali (Denpasar) or domestic routes.

Fees, balance transfers and repayments

There’s no annual fee in year one, then it rises to $124 p.a., so factor that into long-term value calculations. The card offers 0% p.a. on balance transfers for 24 months with a one-off 1% balance transfer fee, a useful tool if you want to clear higher-interest debt without interest piling up.

Be mindful of the standard purchase rates and cash advance charges after the promotional period ends. Paying off transferred balances before the 24 months finish keeps the balance transfer benefit intact and avoids the high post-offer interest rates that can erode the gains from bonus points.

Travel cover and cardholder perks

The St.George Amplify Platinum credit card includes travel insurance tailored for Australian travellers, covering typical issues like medical emergencies, cancellation and lost baggage when you charge travel with the card. That makes it handy for frequent travellers who prefer not to buy separate travel policies every trip.

Other perks include complimentary purchase protection and extended warranty benefits on eligible buys. If you convert Amplify Points to Velocity, pairing the insurance and flight redemptions makes the card a solid choice for planning holidays without paying hefty upfront fees in year one.

How to apply and smart usage tips

Applying is straightforward online: check eligibility, have ID and income details ready, and ensure you meet the spend criteria within 90 days to claim the 100,000 bonus points. A good credit profile improves approval chances and can speed up application processing.

To get the most from the St.George Amplify Platinum credit card, use it for regular expenses you would pay anyway, clear balances monthly when possible, and plan a balance transfer strategy if you’re consolidating debt. Convert Amplify Points to Velocity for maximum travel value and enjoy no annual fee in year one while you test whether the card suits your Aussie lifestyle.