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Amplify Signature VISA Credit Card, Bonus 80K Qantas, 1-Year Fee Waiver $0 (Save $279) @ St George Bank

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Amplify Signature VISA Credit Card, Bonus 80K Qantas, 1-Year Fee Waiver $0 (Save $279) @ St George Bank
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render on 21/11/2018 - 15:03 stgeorge.com.au (10150 clicks)
Last edited 09/12/2018 - 01:57 by 2 other users

80k Bonus Qantas Points
When you spend $4,000 on a new card within 90 days of card approval.
Plus, enjoy $0 annual card fee, in the first year. Saving you $279. Limited time only. Qantas exclusive.

0.75 points per dollar spent + "10% Birthday Bonus"
2 complimentary Qantas Lounge passes
Minimum credit limit: $15,000

Existing customers who currently hold a Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, or who have held one in the last 12 months, are not eligible for this offer.
The bonus points will be credited to your points balance within 12 weeks after the eligible spend criteria is met.

Financial Credit Card Reward Points

Related Stores

St.George Bank
St.George Bank
Qantas
Qantas

closed Comments

  • vchan on 21/11/2018 - 15:04

    Perfect! Thanks OP!

  • tellhimhesdreaming on 21/11/2018 - 15:13
    +4

    Solid! Definitely now the go to card for people who want to start their churning path. I got this at 90K + $179 annual fee and I thought I got a deal!

    • XabiFernando on 21/11/2018 - 15:32
      +1

      I got this at a $279 annual fee (managed to negotiate down to $139 a month in), but despite that high fee it was still the most valuable card out on the market from a points less cost perspective.

      Can't upvote this deal enough!

      • bohn on 21/11/2018 - 16:02

        not bad, I wouldn't have thought they would want to reduce the annual fee until closer to a renewal or something.

      • cisco on 21/11/2018 - 17:30
        +1

        What are some of the benefits that makes it most valuable card. I thought citi signature was the best.

    • bargainfinder on 21/11/2018 - 18:38

      My application was declined for no particular reason 3 months ago. How long should i wait before applying again?

    • Gooddeal21 on 21/11/2018 - 19:12
      -6

      Rule number 1 never pay a fee for credit card 🤣🤣🤣

      • callum9999 on 21/11/2018 - 21:28
        +7

        Rule number 2 - Ignore rule number 1

        • Gooddeal21 on 21/11/2018 - 21:31

          it all depends on needs of everyone, some deals come with travel credits but if you know you won't be travelling you might as well wait for an offer without fee why wouldn't you ?

          • callum9999 on 22/11/2018 - 09:31

            @Gooddeal21: Are you going to write that on every deal?

            "This vacuum cleaner is only a good deal if you need a vacuum cleaner"

    • strike1 on 21/11/2018 - 20:22

      That’s a very strong endorsement… Well there are other options as well.. scroll below to see details for ANZ and Westpac Altitude

      • Gooddeal21 on 21/11/2018 - 21:04
        +3

        I know, that's my point so many options to get bonus points without paying fee…
        we have the anz black, and did the westpac black and platinum close to 300k points with no fee in less than 12 months :)

        • endolphin on 21/11/2018 - 21:55
          +3

          Rule number one. Apply for all fee free options first.
          Rule number two. Apply for the best offering from credit cards with a fee, as long as the value of the points far exceed said fee.

          Rinse and repeat.

          Here's a question. Would you prefer your 300k points with no annual fees, or a million points with about $300 of total fees?

          • tunzafun001 on 21/11/2018 - 23:27
            +1

            @endolphin: Assuming you are comparing the same 12 month window… You would need 10 x 100k point cards, meaning a 25000 to 60000 minimum spend, and 10 credit checks.

            Obtaining 4 -5 all being fee free is more realistic.

            I'm kind of in both camps. I'll only pay an annual fee if it is covered with something of equivalent value not including points. ie did Anz, westpac/ Amex, StGeorge, Amex PE, Nab, Citi and Qantas platinum last year all free. But did Pay $69 for virgin card for 60k velocity points and $129 flight credit.

            Also got a new homeloan and refinanced another loan in the same 12 months. Credit rating is still safely above the average. St George and Djs Amex in my sights to reset Amex 18 month window.

          • Gooddeal21 on 21/11/2018 - 23:55

            @endolphin: would be hard to get a million points in 12 months, you have the waiting period between cards and unless you have a high budget will be hard to hit the minimum spending.

            • endolphin on 22/11/2018 - 00:11
              -3

              @Gooddeal21: Well I'm up to 13 credit cards in 13 months. I plan to maintain that run rate as long as I keep getting approved and as long as my credit score continues to be remarkably resilient.

    • jaygee on 23/11/2018 - 00:30

      If you're looking for a bonus yes - for points earning no.

  • isthisreallife22 on 21/11/2018 - 15:13

    Looks like it was $179 now $0 https://www.ozbargain.com.au/node/413157

    • render on 21/11/2018 - 15:19

      $179 on their website, but $0 if you go through an affiliate link (like Qantas Points)

      • Mentallysick on 30/11/2018 - 13:24

        I applied for this card but cannot remember if it is through oz link or their website.

        Any way to find out if i have to pay annual fee of 179 or not.

        Thanks

        • Gooddeal21 on 30/11/2018 - 15:45

          call them and ask :-)

      • phantom on 08/12/2018 - 01:29
        +3

        It's very unclear what the first year annual fee is, or rather the terms that apply to this offer are very clear ($279) and are not what the offer page says ($0, saving $279).

        I believed when I signed up that there was no annual fee if cancelled within the first year but I now think that is wrong.

        The application page says $0 annual fee in first year saving $279.

        " #$0 annual card fee promotion: Available when you apply for a new Amplify Signature Qantas Rewards credit card between 20th November 2018 and 23 January 2019 and make your first purchase within 12 months of card approval. The first annual card fee debited on the 12 months anniversary of the first transaction on your account and annually thereafter."

        However, the detailed terms that came mailed separately from the card states:

        "Annual card fee: Initial annual card fee $279 - debited 12 months from the date of the statement following the date we debit your first cash advance or credit purchase transaction to the account. The fee will be charged to your account every subsequent year, on or after the anniversary of your first annual card fee.

        "Total fees and charges which are definitely payable: $279"

        It looks like they are saying the same thing but being very misleading.

        During sales/application process it says $0 annual fee in the first year, saving $279" but that is not correct as the first year annual fee will be charged, just at the end of each year or if closed prior, not the beginning of the year, and the terms state that the $279 is definitely payable once card is activated. So it doesn't save any $ overall, this offer just lets you defer payment until the day after the first year or when the account is closed, whichever comes first.

        Based on my scare reading this info they sent me, I would rather have your lower upfront fee than a hidden higher fee which they didn't explain clearly upfront.

        I doubt it would be a popular OzBargain card if what the credit account offer states is the case so I'm hoping it's just their incompetence.

        Will be interested to hear from anyone else who applied for this if they noticed the same in their offer and whether it's a genuine error or a deliberate new ploy to make the card sound better while charging higher fees than previous offers.

        • nomistake on 16/12/2018 - 19:54

          I applied and noticed the same thing.

          I went in to the branch and had them to explain what it means. They told me that we're correct in interpreting it as first year fee waived (they showed me on their system that the yearly fee was waived), but I still feel uncomfortable of the wording on the booklet. I wish I took a screenshot of the application page at the time so that I have a definite proof. I'll take this screenshot as a secondary proof if I have to dispute it in the future.

          • Gooddeal21 on 16/12/2018 - 20:04
            +1

            @nomistake: Won't be any fee, unless you keep it more than 12 months then the $279 on the anniversary date.
            I called them and confirmed.
            I might also have taken the screenshot. I'm currently waiting for my first statement, for the points and my lounges invitations after that I ll cancel the card.

            • chriise on 08/01/2019 - 20:45

              @Gooddeal21: Based on this page it seems the passes are only made available to you online via the Qantas portal - would this mean I can't give them to a friend or sell them on?

              https://loungepass.stgeorge.com.au/

              Edit: apparently you can transfer invitations to other members.

  • lilkid28 on 21/11/2018 - 15:17
    +1

    Minimum credit limit $15k

    • [Deactivated] on 21/11/2018 - 15:20
      +3

      Ouch.

    • Menzoberranzan on 21/11/2018 - 16:11
      -1

      Wow

    • ahseng on 21/11/2018 - 16:20
      +1

      Yeah, all 'black' cards have high min credit limits (15k) and usually require over 75k income.

      • Hunter14 on 21/11/2018 - 17:42
        +1

        Any trouble getting multiple 15K 'black' cards from multiple banks? Provided you are over 75K.

        • ahseng on 21/11/2018 - 20:47
          +4

          I've never had two black cards at the same time. I had to cancel my ANZ black recently because of my recent mortgage application. The 15k credit limit really kills your mortgage application! Just keep that in mind if you're planning to buy property soon.

          I suspect if you can prove to the bank that you can manage another then I guess so? But they wouldn't allow more than 3 black cards unless you're clearing well over 6 figures? YMMV I guess!

          • RickyBaker on 22/11/2018 - 11:36

            @ahseng: What if I've already bought my house, but planning to remortgage in the next year? I would cancel this card before remortgaging

            I've already got another Westpac Altitute Black card but with only $5k limit. I make almost 6 figures

            • tunzafun001 on 22/11/2018 - 23:53

              @RickyBaker: I just did exactly this with CBA refi and had 7 cards. Said I cancelled, or was cancelling them. No verification required, so Never did cancel.. and the westpac/ amex deal came out mid application. So added 2 more cards. No issue whatsoever. Credit score dropped the whole 8 points to just below 700.

        • 50cent on 21/11/2018 - 23:58
          +1

          can they see if we have another card with another bank?

        • nickskewl on 22/11/2018 - 06:45
          +1

          NAB Qantas Rewards Signature Card, ANZ Frequent Flyer Black, Westpac Altitude all applied this year. All in my wallet. Plan to apply this one today.

          • endolphin on 22/11/2018 - 08:06

            @nickskewl: Any reason you haven't cancelled any of those yet (to start the 12 month timer to reapply)?

            • nickskewl on 22/11/2018 - 11:15

              @endolphin: 2 still in the waiting period. Plan to close the 3rd before I apply Amplify; hopefully, today if not then this week.

        • Nuggets on 22/11/2018 - 15:07
          +2

          My partner is below 75k and was recently given a 30k limit. No wonder there is a royal commission going on…

      • NEVERfullprice on 27/11/2018 - 17:32

        is the 75k inc super?

  • nadan on 21/11/2018 - 15:19

    Closed mine in June :( Got a long time before I can apply again.

    • deanwan on 21/11/2018 - 15:24

      Existing customers who currently hold a Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, or who have held one in the last 12 months, are not eligible for this offer.

      • nadan on 21/11/2018 - 15:59
        +21

        Yes, that is why I mentioned that I will be waiting some time before I can apply again.

        • dr_ rusko on 21/11/2018 - 16:15
          +11

          I think deanwan was just trying to point out something that you may have missed in the conditions…
          perhaps when you said "a long time" you did not appreciate the magnitude of you forthcoming wait.
          Just in case you missed it -

          Existing customers who currently hold a Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, or who have held one in the last 12 months, are not eligible for this offer

  • [Deactivated] on 21/11/2018 - 15:21

    Minimum income?

    • Slo20 on 21/11/2018 - 15:30
      +1

      Usually 75k

      • fivespice on 21/11/2018 - 16:08

        Mine is just under and I was conditionally approved. I sent in my payslips so will see.

        • Slo20 on 21/11/2018 - 16:12

          Fingers crossed. I just got conditionally approved also.

          • bargainfinder on 21/11/2018 - 18:40

            @Slo20: Do you have any account with St George at the moment or previously?

            • Slo20 on 21/11/2018 - 20:31

              @bargainfinder: Not currently. I’ve had their credit cards in prior years for qantas points.

        • bargainfinder on 21/11/2018 - 18:39

          Do you have any account with St George at the moment or previously?

        • fivespice on 22/11/2018 - 13:47
          +1

          Just got approved.

      • majik on 21/11/2018 - 17:26

        Just a general question. Do banks always ask for payslips or do they sometimes make exceptions? I was given a black amex up from the Westpac platinum and the credit limit is double what I had with the platinum. I don't make the 75k most banks ask for but I'm always paying on time etc.

        • twodollah on 21/11/2018 - 17:30

          I applied for this last week and was asked for payslips. However YMMV

          • sund00bie on 04/12/2018 - 11:43

            @twodollah: I just got approved on this without having to provide payslips

        • serpserpserp on 21/11/2018 - 17:39

          You always get asked. Wouldn't you want to verify someone's earnings before you lent them money?

          • majik on 21/11/2018 - 17:41

            @serpserpserp: Yeah that sounds reasonable but the reason I ask is because I see people who don't earn as much with cards they shouldn't be getting. Maybe they're not telling me something or I'm missing some details who knows.

          • NebulAe on 21/11/2018 - 18:34

            @serpserpserp: When I got my black card from Westpac last year they didn't ask. My pay went into my account with them so they already knew. It was well below 75k and had no issues.

        • unity1 on 21/11/2018 - 19:05
          +1

          Look at comments in this recent credit card offer. Some people had to supply a ridiculous amount of documentation. Looks like they are really tightening up on credit applications.

  • iversonjack on 21/11/2018 - 15:23
    +1

    T_T just received the $0 annual fee Signature Reward card for 100k Amplify points… = 50k VFF

    • greater mimic on 21/11/2018 - 17:10
      +1

      Same here, but for the intention to turn it into 50k Kris flyer points

  • muncan on 21/11/2018 - 15:27

    Existing St. George/BankSA/Bank of Melbourne customers who currently hold an Amplify Platinum or Amplify Signature Card, or who have held one in the last 12 months, are not eligible for this offer.

    Read that as recent Westpac customers are welcome.

    • Autonomic on 21/11/2018 - 16:45

      Wondering this as well.

    • serpserpserp on 21/11/2018 - 22:31

      yes they are fine.

    • Kranbone on 22/11/2018 - 00:22

      Initially I thought it was fine too but decided to check the terms and conditions found here

      https://www.stgeorge.com.au/content/dam/stg/downloads/person…

      "Amplify Card, Card or Credit Card means any Westpac issued and St.George
      branded Card that may be linked to either Amplify Rewards or Amplify Qantas.
      Amplify Card includes an Amplify Platinum Card and Amplify Signature Card
      where relevant. Card Account means the account established by us to record
      transactions made using the Cards."

      Not sure if Altitude black equals amplify rewards

      • cynix on 22/11/2018 - 00:42

        Westpac is Altitude Qantas though?

        Edit: just saw your edit too lol.

      • Gooddeal21 on 22/11/2018 - 03:02

        I'd say it's different, might try to call them tomorrow.

      • JarryS88 on 22/11/2018 - 07:28

        I have the STG card (have a package with mortgage so its no annual fee anyway) and got the westpac card within a year of the stg no problems.

      • spa on 27/11/2018 - 17:40

        Did anyone manage to confirm whether westpac altitude is linked to any of those products mentioned by kranbone?

        • muncan on 27/11/2018 - 23:45

          means any Westpac issued and St.George branded Card

          That and is a mighty strong word (emphasis added).
          My Westpac issued Westpac card didn't have St. George branding…

          Imagine if they had worded it "any Westpac issued or St. George branded Card"

  • Hinee on 21/11/2018 - 15:28
    +1

    Hey crew - can I get some peace of mind that all of these bonus points credit card deals are absolutely risk and catch free? I get this card, spend 4 grand in 3 months and get 80,000 points. I have it paid off consistently and get charged absolutely nothing. Bada bing bada boom?

    • Slo20 on 21/11/2018 - 15:30
      +5

      That’s right. Only “risk” is that it will show on your credit file.

    • XabiFernando on 21/11/2018 - 15:31
      +7

      Correct - people who never pay the full balance and get reamed by interest are funding the benefits you have described.

    • chriise on 21/11/2018 - 15:31

      If you pay within the interest free period then will be fine. Others may also warn you that additional credit searches may impact your credit score so don't go nuts if you're looking for a home loan in the next 12 months. One or two searches probably won't hurt.

      Edit: the unused credit limit will affect your score too - so you would need to close the card a month or two before applying for a home loan.

      • isthisreallife22 on 21/11/2018 - 15:38
        +1

        Usually ok to close it 10 mins before they process your home loan application really (at least in the pre royal commission days)

        • fomal on 21/11/2018 - 15:47
          +1

          Yes, the bank will ask if you could close that credit card first before they are approving it.

    • nightelves on 21/11/2018 - 15:32
      +1

      Get the Amex Explorer as well. Another good card.

    • fivespice on 21/11/2018 - 16:21
      +6

      I've probably accumulated about 400k or so in the since 2014 without paying a dime of interest.

      I will say, it's not worth it if you end up spending significantly more than you would have without a credit card which is really a question of discipline.

      • CricNix on 21/11/2018 - 17:46
        +3

        This!!! People miss this completely. If you end up spending what you’re not supposed to without the credit card, you shouldn’t get one.

        • kev98 on 21/11/2018 - 18:07

          agreed! Some people think because they don't pay interest it is costing them nothing, not true!

          • serpserpserp on 21/11/2018 - 22:33
            +2

            @kev98: But I spend 2k a month easily on bills/family costs etc. It literally does not change my spending habits.

      • Smol Cat on 22/11/2018 - 12:01

        Yeah I have about 200k and have no idea what I'll even use them for. I totally see myself just forgetting about them and dying and then the airline just writes it off as a win for them. So really they win in the end.

        • fivespice on 22/11/2018 - 17:34
          +1

          Just book a classic rewards flight if you are planning on traveling somewhere!

  • knobbs on 21/11/2018 - 15:35

    Great deal, I was only closing our 2x from the half price annual fee deal out this week.

  • justcallmeboss on 21/11/2018 - 15:36

    Good deal! I have been waiting for this!

  • ycon on 21/11/2018 - 15:38

    $4000 is a big spend for me….

    Anyone know good tricks around meeting this spend??

    • isthisreallife22 on 21/11/2018 - 15:39
      +10

      Buy some things for a fellow ozbargainer?

    • Fergy1987 on 21/11/2018 - 15:41
      +5

      Go to Uni and pay up front.

    • Yanoflies on 21/11/2018 - 15:41
      +7

      Woolworths e-gift cards are my go to if I need to push my spend.

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