St.George Amplify Business Credit Card
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CardIQ
Fair
Overall score, out of 100 · How this works
- 55 days interest-free51
- Business48
- First timer65
- Frequent flyer37
- No annual fee55
- Rewards40
- Velocity Points37
Customer reviews
No reviews yet. Be the first to review the St.George Amplify Business Credit Card.
Pros & cons
What's good
- No annual fee.
- Earns 2 points per $1 on overseas spend.
- Points transfer to Everyday Rewards, Singapore Airlines KrisFlyer and Velocity Frequent Flyer.
- Earns 0.5 points per $1 on ATO and government payments, where many rewards cards earn nothing.
- No fee to add an additional cardholder.
Worth noting
- The annual fee increases from $0 to $89 in the second year.
- The 19.49% p.a. purchase rate sits above the 18.99% p.a. median if you carry a balance.
- Earns 1 point per $1 on everyday spend, around the dataset average.
- 3% foreign transaction fee on overseas spending.
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Standard
- Card type
- Visa
- Card use
- Business
- Credit limit
- $1,000 – $100,000
- Credit rating
- Good
- Rewards program
- Amplify Rewards
Eligibility
- Instant approval
- Yes (response in ~60 seconds)
- Joint application
- No
- Minimum age
- 18 years old
- Minimum income
- Not specified
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Not eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 20.24% p.a.
- Purchases
- 19.49% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- No annual fee
- Annual fee (year 2+)
- $89 p.a.
- Cash advance fee
- 3% of the amount
- Foreign transaction fee
- 3%
- Late payment fee
- $0
Repayments
- Interest-free period
- Up to 55 days on purchases
- Minimum repayment
- 2% of the closing balance or $25, whichever is greater
Balance transfers
This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
Earn rate
- Everyday spend
- 1 pt per $1
- Bonus categories
- None
- Other purchases
- None
- Overseas spend
- 2 pts per $1 on overseas spend
- ATO/government
- 0.5 pts per $1 on ATO and government payments
- Reduced rate above monthly cap
- None
- Points cap
- Uncapped
- Points expiry
- Points don't expire while your account is open and in order.
Sign-up bonus
- Bonus spend required
- —
- Sign-up bonus
- —
Transfer partners
- Everyday Rewards
- 3 pts → 2 pts (≈ 0.67 pts per $1)
- Singapore Airlines KrisFlyer
- 3 pts → 1 pt (≈ 0.33 pts per $1)
- Velocity Frequent Flyer
- 2 pts → 1 pt (≈ 0.5 pts per $1)
Where these points could take you
- Auckland
- Flying Virgin Australia non-stop, using transferred Velocity points. Economy 17,900 pts.
Flights you could book with the sign-up bonus plus a year of spending $3,000 a month on this card. One-way from Sydney or Melbourne, one adult, before taxes and carrier charges. Award prices and seat availability change.
Where this card sits vs similar cards
Compared with every other business credit card we list that has the feature. The further right the dot, the better this card does.
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
Compare side by side
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Browse by card type
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Questions and answers
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Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- St.George