St George Signature Visa Credit Card
Qantas Credit Cards exclusive. Make sure the link is used to ensure you're not charged the annual fee.
thanks got my rego and car insurance coming up, thats 2k right there
Is car rego considered a 'government payment' and therefore ineligible? I'm wondering about this on my own card
I think from my understanding of it is.(correct me if I'm wrong). If your purchase is via BPAY, it won't count towards getting points. But if you pay it via the credit method where you've encounter a credit fees then you're eligible for those points.
Correct. Don't do it through bank websites, thats BPay. Go to the company you need to pay and pay from there. Most likely they will charge a small % fee. I don't mind this. Then it is counted towards getting points.
But.
If that company is government bodies, and the bank t&C stated that it won't counted, the bank may still be able to tell, from the transaction history description.
Damn, I won't be able to churn until April… hopefully this deal will still be on by then.
Unlikely…
Too many inquiries on my bloody credit report to take this on. I'm sitting under good rating for now and am planning to do a home loan top up shortly. I so wanna jump on this card God dammit.
That was $179 fee for Qantas and free for Amplitude.
Yeah it looks like it's the same deal - they've just reactivated it.
Damn, last year I had to pay $129 annual fee :(
What are "Must spend $4,000 on eligible purchases " ?
you must spend $4000 within the 90 days of when the cc is approved. Eligible purchases are all purchases except the ones they list. Usually credit transfers etc.
thanks mate , appreciate the help
an escort that accepts credit card payments.
Is it for existing members too?
has anyone had any luck with 'card selection'?
Having the same trouble from the mobile site
Yeah same problem here. No card to select in the card selection drop down. Multiple browsers on desktop.
What's the best way of spending $4k?
I don't have anything i need to spend that much…Anyone try buying and then selling something like iphones maybe?
4K in 3month is not that much, it's just 1.3K a month.
Weekly groceries, utility bills, entertainment, they add up pretty quickly.
Don't forget Valentines and Easter is coming up too ;)
Pay your home/car/health insurance up front, supermarket giftcards for the rest
Get the In Laws over for 3 months! Easy
Wait for ebay 10-15% off gift cards.
Buy gift cards.
Flip them in gumtree or ozb classified (at a discount to facevalue while still breaking even or at a profit).
Rinse and repeat.
But they are discount codes but physiical cards, hard to sell
Worst customer experience I have ever seen.
Got approved and cancelled my card 3 days into it. No call. Nothing.
After 10 calls, found out they did a random audit on me.
Had to provider proof of everything. Wages, bank accounts, savings, proof of residency and driver's license.
Long story short. 3 weeks later, got approved AGAIN.
RUBBISH SERVICE.
If this doesn't happen to you, good deal, otherwise, shocking!
Seems like a lot of hassle to go through just to unconciously have your behavior changed so that you lose more money than before you obtained a credit facility.
It doesnt let me pick card at the application stage, does everyone else have the same problem?
Yep. It doesn't work right now.
same here
Just tried on a Mac - works!
Same here, doesn't work
these guys rejected me and gave me valid reason except i didnt meet the valid criteria.
background worked 30 years, different companies, but current job at the time of application for quite some time. > 2 years
earn an extremely health wage. lets says 20 x time the limit on offer at least in the last decade
no debts, nothing
yet my junior who is 24 earns 1/3 of my wage got one.
they are on absolute crack
Credit cards want to give out their offers to young people who will spend recklessly
earn $300k and check ozbargain 100+ times a day
what a life…
i want that kind of life! desperately.
you have my actual stats, id be keen to see them.
i dont ozbargain whilst at work
its your posts
100+ times a day
https://www.ozbargain.com.au/node/373318
lets says 20 x time the limit on offer
20x the offer (was 30x but you edited it)
so thats 20x $15k = 300k (was 450k before you edited it)
you're the one humble bragging about your income, I'm just the one wishing I had it as good as you obviously do
@SBOB: I thought the credit card was 6k limit as thats what i saw at a glance, i originally had 30x as this would be correct, but then changed to 20 to emphasis my point and but not be so assy and brutal about it
Gets paid in peso's though which is why 20 x
riyal so only 3 x
The median wage on ozbargain is $600k, don’t you read comments?
If i cancelled the same card less than 12 months ago are you still eligible? i can't see it listed in the T&C's.
Nope, nor if you have a card with Bank of Melbourne - need a 12 month gap
I cancelled a Westpac card in October, do you know if am I still eligible for QF points?
@unclesnake I don't know what they are checking but salary doesn't seem to have much to do with it. I have a similar story to you.
usually salary and job status (perm not contracts) are the main factor. assets are not. retired/unemployed with $200k cash maybe be not attractive for banks.
St George are terrible to deal with. I comfortably met eligibility criteria, so I applied for the last deal (that had an annual fee) and was conditionally approved.
I had to provide either recent payslips OR a bank statement showing recent pay going in. I provided payslips.
I was then requested to also provide bank statements to verify the pay. I reluctantly provided these - but redacted all the irrelevant information (i.e non-salary entries). St George refused to accept these redacted bank statements and insisted they needed the full bank statements despite claiming they only wanted to verify salary information.
The whole experience made me quite uncomfortable, so I withdrew the application. If they wanted more details on my expenses, I would have been willing to provide it - but they were disingenuous and call centre hid behind vague assertions about “company policy”.
Perhaps you will have better luck that I did (and some others it seems)
Lol, it seems I'm going through exactly the same even though all my banking is with them….
I had a St george credit card and closed in early 2017, will i qualify for this 80k bonus points??
I note it doesn't say a time limit whether previous owners that had a similar credit card in last 12 months will not qualify etc etc.
goz so many people dont read the t and c…
Bonus points promotion: The respective bonus points promotions are available when you apply and are approved for a Amplify Signature credit card between 21st January and 6th March 2019, and spend the minimum amount of $4,000 on eligible purchases on the card within 90 days from card approval. Eligible purchases do not include BPAY or BPAY equivalent transactions, fees, cash, cash equivalent transactions, refunds, balance transfers debited from the card account, government fees and ATO payments. 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.
20.24% p.a. variable interest rate on cash advances (fee applies)
0% p.a. for 6 months on balance transfers requested at new card application.^ Rate then switches to variable cash advance rate. Interest free days don't apply to cards with outstanding balance transfers.
Apply online
Important information
Conditions, fees and credit criteria apply. This card is issued as a Visa card.
Switches, upgrades, or customers accessing employee benefits are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion. The bonus points and $0 annual card fee is available to customers who apply via this website (offer not available in branch or via call centres) and are approved for a new Amplify Signature Qantas Rewards credit card between 21st January and 6th March 2019.
Before making a decision, please read these documents to ensure you're aware of all fees, charges and interest rates.
Credit Card Conditions of Use (PDF 726KB) - All you need to know about our cards.
Credit Card Accounts Fees and Charges (PDF 144KB) - A complete list of card-related costs.
Amplify Rewards and Amplify Qantas Terms and Conditions (PDF 1010KB) - All you need to know about rewards.
Credit Card Complimentary Insurance Terms and Conditions (PDF 328KB) - Learn how our card insurance works.
*Bonus points promotion: The respective bonus points promotions are available when you apply and are approved for a Amplify Signature credit card between 21st January and 6th March 2019, and spend the minimum amount of $4,000 on eligible purchases on the card within 90 days from card approval. Eligible purchases do not include BPAY or BPAY equivalent transactions, fees, cash, cash equivalent transactions, refunds, balance transfers debited from the card account, government fees and ATO payments. 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.
^Balance Transfer Promotion: Available when you apply and are approved for a Amplify Signature credit card between 21st January and 6th March 2019, and request at card application to transfer balance(s) from up to 3 non-St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. At the end of the promotional period, the applicable variable cash advance rate will apply to any outstanding transferred balance(s). We will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). Interest free days do not apply to credit cards with balance transfers.
Amplify Qantas: You must be a member of the Qantas Frequent Flyer program to earn and redeem points.
Priority Pass Card member lounge: To enrol go to info.stgeorge.com.au/amplify/signature. Lounge usage in excess of two visits and all guest visits will be charged directly to your Amplify Signature Credit Card at the visit fee of US$27 per person, per visit. The first two visits within each twelve month membership period are complimentary to the primary Cardholder only, after which every visit would be charged as per the prevailing rates; currently US$27 per person. Any accompanying guests will be charged US$27 per visit, which will be automatically charged to the Cardholder’s Amplify Signature Credit Card. The date of each visit determines which year of membership the visit is allocated to. Unused visits cannot be carried forward to the following year of membership. The number of free visits will be reset to two per each 12-month period. Renewal terms and conditions are at the discretion of Priority Pass Ltd. For full details visit Priority Pass website at prioritypass.com/Conditions-of-use.cfm.
Amplify Travel gives you access to most major domestic and international airlines within and from Australia and their connecting partner airlines. As with booking through a travel agent, in certain circumstances seats may not be available on the airline or flight of your choice at the time you wish to travel. Terms and conditions apply. For further details call Amplify Travel on 1300 489 586.
Birthday bonus is calculated over a period of 12 months, on the number of Amplify Points or Qantas Points (excluding bonus points) as applicable, earned on Amplify Signature Card purchases from the day of the Account Owner’s birthday to the day prior to the Account Owner’s birthday, other than the first Birthday bonus which will be calculated from the day of Card approval to the day prior to the Account Owner’s birthday. The Amplify Signature Card Account Owner will receive ten percent of the points earned during the Birthday bonus calculation period which will be credited to the Amplify Rewards or Qantas Frequent Flyer Membership Account as applicable, within 4 weeks of the Account Owner’s birthday. For Joint accounts the first listed Account Owner’s birthday is used for the calculation. The Birthday bonus can be accessed by all Account Owners.
Any offers through Visa Luxury Hotel Collection are valid at participating properties and Visa Signature cardholders in the Australia/Pacific and Europe, Middle East and Africa (APCEMEA) regions. Offer is only valid when you pay with a valid and eligible Visa card. Best Available Rate applicable. Not applicable on discounted rates or combined with other offers at time of enquiry/booking. One daily breakfast per person during stay. Excludes all applicable taxes, services, gratuities and charges, and must be a valid and eligible Visa card. Void where prohibited, taxed or restricted by law. All reservations are subject to availability at time of confirmation. Visa and participating properties reserve the right to vary the terms and conditions of this offer. For updated list of participating properties, please visit www.visaluxuryhotels.com or call Visa Concierge for details.
Tldr ;)
Page now works and I got conditionally approved.
Damn. I had this credit card within the past 12 months. I guess my application won't be approved on this basis.
Received my card from last deal last week. St George is a horrible bank to deal with. Submitted my application successfully online after 5 failed attempts only to be asked to visit a branch as their system didn't save the full details in my application.
The customer service was a pain to deal with and hung up on me after putting me on hold. Hope I get my bonus points without any issues. Will get far away from this incapable bunch as soon as my points arrive.
Tossing up between this and the ANZ FF Black deal (https://www.ozbargain.com.au/node/409692). $0 vs $275 annual fee, but you get 40k more QFF points. $4k vs $7.5k minimum spend in first 3 mths is pretty steep, although I should be able to manage that. No Apple Pay with St George vs Apple Pay wth ANZ, which is a big convenience factor for me. But biggest potential dealbreaker is the fact that I've been approved for this card twice over the past several years so I'm more confident of getting approved, vs St George which sounds like they are overly strict and a pain to deal with.
Just apply both?
By just looking from bonus point of view, never paid for annual fee,, bonus points would come on board from time to time. Extra 40k point vs $275
I am with you, aiming not to pay any annual fee, waiting for the new ANZ annual fee free round lol
I'm looking for the next free card deal to go onto after Westpac. Sounds like I'm better off holding off for another bank's deal to roll around again instead of St G from the all these comments.
I didn't have any problems signing up for the last free card in December ….just had to be patient since it took 2 weeks and a bit.
After checking out the latest comments about even getting the bonus points, I think I'll pass …
- credit inquiry hit and may not even get it (I should be plenty over the criteria too)
- may not even get the bonus points without fuss
Best of luck to others I'll save myself the potential hassle at this stage. Can hold onto my current card for another few months for now.
So just to clarify, you get the card, make the spend, get the points, transfer to QF account, cancel card, repeat with a different bank. free holiday. Is that right?
yes that's right except the cancel the card bit. Why cancel card? Keep accumulating QFF points while you spend and you need an active card for the lounge passes.
Cancel card to reset the 12 month waiting period to get the bonus points again when it's next offered.
Also to increase your available credit to be used on other credit card offers while you're waiting.
And a little boost to your credit score.
Because there are better Qantas earning cards to have as your day to day, e.g. Qantas MC platinum is $1 = 1 point and more when using Qantas to shop/book, and 1.5 overseas.
Always.
St George have terrible service. Don't be surprised if you meet criteria and are still rejected.
I have got rejected by them even though I have got higher target requirements for other cards. They usually read out a general list of why you were not eligible when you ask for more details.
What does 80,000 bonus Qantas Points give me?
Groans. Mostly groans.
$1040 if you sell it here
Really $1040?
@welcomeUniverseWorld: yes that is the upper market price. i say between 960 and 1040.
interested now? :) like i keep saying this is not a peanut money. this is serious thing. so dont waste time, apply, spend fast, get the point, cancel fast.
Doesnt sound like a good deal if I only just meet the criteria and earn exactly 75k. Think I should pass.
Is the a Qantas rewards fee applicable here? Am I missing something (e.g. this is a Westpac only thing)?
Thanks OzB fam.
no, nothing to pay
Just to clarify, once approved, I can get the points/free flights etc and then cancel the card at no cost?
yep, just wait till you've got your points and lounge passes
Withh lounge passes these days I think they'll be automatically cancelled if you close your account. Probably better to use the passes first… if it's important to you.
ah, didn't know that! Thanks
@zoner: That's the theory behind the new electronic passes anyway. I haven't put it to the test. It would be interesting to know if anyone else has.
Fairly sure that doesn't happen. The passes appear in your QFF account and you are free to use it or gift it to someone else, the bank is not going to go back to QFF to cancel them.
@kwokask: "The passes appear in your QFF account and you are free to use it or gift it to someone else, "
so its ok to transfer passes to random not family members (like the points), correct?
@CyberMurning: Can confirm. Requested lounge passes from ANZ FF Black in December, closed ANZ card the next day. Passes still show in Qantas account with 1 year expiry.
@muncan: thanks. but i know the passes will stay i am just not sure about their t&c regarding transferring passes to non family member.
@CyberMurning: Transfer an invitation to another Qantas Frequent Flyer member
Invitations must not be resold. Qantas reserves the right to cancel resold invitations and disqualify both sender and recipient’s access to future invitations if this policy is breached.
You can transfer them to anyone.
You can’t “resell” them, without risk.
FYI it may take a while for the points to clear - been over a month since I hit the 4k spend and still waiting for them - T&C's say up to 3 months though
2nd statement kicked in and no points yet, so hoping will be in the 3rd statement.
Can anyone tell me what if I apply for this card as a joint application? I earn slightly under the limit but my partner and I combined earn well and truly over…
Would I still be eligible for points?
nope, single person application
Is it $75k a year minimum income?
You can apply as a joint application. As soon as you click Apply Now, it allows you to do a Single or Joint application.
I'm hoping to do a joint application with my partner also.
Damn this is the same deal they had previously. Already done Westpac and St George in the last 3 months.
Hoping for ANZ or NAB to come to the party soon. Got some spend coming up.
Me too. What's with these "reduced fee" deals? haha
Only just two weeks ago I closed this exact card that I had from sometime 12-18 months ago…
I'm assuming there's a condition that you can't have held another credit card with St George in the past 24 months??
This exact same thing happened to me! So I called them and said how can you conditionally approve me then reject after I’ve given you my payslips?
The guy on the phone said I was put down as a casual employee because my payslips didn’t show my annual leave balance! And that’s why I was rejected. I told him it that I will send my statement of service and proof of permanent full time employment and they reassessed my application and I was approved the next day. Highly recommend giving them a call to find out why, especially if it’s something as simple as being listed as casual when you are not. They also told me they will clear it against my credit file if it comes up that I was declined.
Not sure why they couldn’t just call and ask for proof of employment rather than just rejecting…