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St.George Amplify Platinum Card 60K Qantas Points (Spend $2,000 in 3 Months) ($49 Annual Fee for 1st Year, $99 after)

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St.George Amplify Platinum Card 60K Qantas Points (Spend $2,000 in 3 Months) ($49 Annual Fee for 1st Year, $99 after)
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Da dpG on 08/06/2020 - 10:43 stgeorge.com.au (3245 clicks)
Last edited 08/06/2020 - 11:19 by 1 other user

Not as good as ANZ finally coming back but still worth it for 60K points if you stack them together, it's still cheaper than getting the ANZ black with an annual fee of $150.

Hate it or love it, a card with points is a card with points.

Rates and fees
$49 annual card fee for the first year. ($99 thereafter)
0.5 point earned for every dollar spent on eligible purchases
19.74% p.a. low variable interest rate on purchases
21.49% p.a. variable cash advance rate
0% p.a. for 6 months on balance transfers requested at new card application. Rate then switches to variable cash advance rate.

Existing customers who currently hold an Amplify, 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.

Financial Credit Card Frequent Flyer Qantas Frequent Flyer Reward Points

Related Stores

St.George Bank
St.George Bank

closed Comments

  • art-fanatic on 08/06/2020 - 10:47
    +1

    I think this is a long-running deal that they just keep extending. Also it is $99 p.a. after first year.

    • Da dpG on 08/06/2020 - 10:49
      +3

      that's weird.. i had it at $99 and i think it changed. fixed.
      I thought it was long running but there was a time where it wasn't on.
      Anyway it's there if people need it

  • Justaddgrum on 08/06/2020 - 11:23
    +3

    I had a bad experience applying for a credit card with them in January 2019. Had to cancel the application, listed in my notes i wrote "Ended up cancelling due to shocking customer service and an inability to verify my details correctly. "

    From memory, they kept refused to accept my paycheck because it showed i earned more than my base salary stated (due to working overtime). Think ill give them another shot, with dramatically lowered expectations.

    • yolo123456789 on 08/06/2020 - 12:32

      also had issue getting the car approved, even though I earn above what's required. might give it another shot…

      • link90 on 08/06/2020 - 20:54

        ymmv - I applied at 3pm today and just got an email saying I was approved and the card would be sent to me in the next 5-10 business days.

        The only other card I hold is the Westpac Black from the most recent deal. This is the 4th time I've churned a St. George card but I never had an approval turn around that fast before.

    • OldGregg on 09/06/2020 - 01:48

      I used to work there years ago. If it gets declined because they didn't factor in your overtime you should be able to escalate it and they usually verify your overtime by averaging 4 payslips or they can use a notice of assessment from the tax office.

    • IngenuityDenied on 14/08/2020 - 11:58

      Just had a similarly poor experience applying for this card. Submitted application and was conditionally approved pending income documentation. Provided 6 months of payslips as they don't show a year to date and was rejected without being contacted to clarify any aspect of my application.
      Customer support just kept saying that as the application has been rejected, they can't disclose/amend any information.
      I won't be banking with St. George ever again.

      • lucyrenegade on 14/08/2020 - 15:04

        That sucks a lot. Go down to my comment exchanges with vawiyoci, where I described my experience.

  • sssbp on 08/06/2020 - 11:37
    +2

    Existing customers who currently hold an Amplify, 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.

    Another 245 days!

    • PerthectDeal on 08/06/2020 - 12:10

      Dont think he held the card as couldn't get the application complete so should be able to apply straight away.

    • Big Saver Al on 08/06/2020 - 13:07

      Ah, thank you!

      Good to know you can't cycle Amplify cards from other banks.

      Was thinking that would be a nice way to get points.

    • spiff on 08/06/2020 - 12:53
      +6

      This is St George not Citi.

  • mattypoika on 08/06/2020 - 12:54

    Declined from St George last year, declined from banksa last week, no reason given. Have no problems with the other banks with high credit limits, then declined with this small limit.

    I wouldn't both with them ever again.

  • evanssm2jp on 08/06/2020 - 12:58

    19.74% p.a. low variable interest rate on purchases - Really, is that LOW? Whilst the points might be useful, I just can't justify having something like this - I guess people just get them to collect the points then close the accounts?

    • handles1 on 08/06/2020 - 13:09
      +2

      Correct. Usually keep the ones with highest points earnings for about 11 months, then can them before the renewal, then get one somewhere else with another decent joining bonus and decent ongoing points.

    • Big Saver Al on 08/06/2020 - 13:13
      +4

      That's low for a credit card.

      If you can't pay your credit card bills with cash at the end of the statement period, don't get a credit card…

      It's not "free money".

      The points can be worth it, if you calculate Qantas points being around 1c per point (conservative), then you'll get your approximate value. Depends on how you spend points.

      Best value is to book Qantas Business Rewards, then Classic Rewards, then upgrades, then Qantas store, then I think the cast cards are the worst value.

      Happy for anyone to correct this or expand on it…

      Means little if you don't fly, or avoid Qantas for some reason.

      • dualcore on 08/06/2020 - 14:52

        I thought upgrades were best value. In any case when you are ready to book, do your own maths as it can change often.

        • stewy on 08/06/2020 - 17:11
          +1

          Classic Rewards in international business or first class is usually the best value redemption. Availability is limited and Qantas' reclassification of Emirates to partner rewards rates is going to sting too.

          Upgrades usually cost a lot of points and you've probably also paid a decent amount of cash for the economy seat as it is. Availability is usually better going via this route though.

  • stewy on 08/06/2020 - 17:13

    Personally I wouldn't be paying for points until we see just what the future holds regarding redemption rates and seat availability.

    Qantas have already dig the knife in reclassifying Emirates from Classic Rewards to Partner Rewards redemption rates and I wouldn't be surprised if they make further cuts…

    • Da dpG on 08/06/2020 - 17:18

      yeah that is true.. but they don't expire. plus you can always fly around australia and with borders opening up to NZ hopefully soon, you may as well put your points towards something.. especially if you're spending money, may as well contribute to something

      • Bren20 on 02/07/2020 - 10:13

        they do expire, if you don't have any activity on your account for 18 months

        • Menzoberranzan on 12/07/2020 - 10:55

          Can't we just use the Qantas Wellbeing app to keep our accounts active with a few points trickling in?

  • adrianhughes1998 on 08/06/2020 - 18:56

    decent offer, sucks because I already churned an ANZ Black at the start of this year and have a 0% interest St George Amplify card at the moment :(

    Will have to hope for alternative offers from Westpac or others.

  • tonyjg on 08/06/2020 - 21:27

    Still waiting for my points…..had this card from January… fulfilled the $ amount with purchases for a new house…..

    And nothing…… its June and no bonus points

    Reminds me to call them this week and find out what’s happening

    • PeeDee on 25/07/2020 - 19:58

      Hey how did you go with the bonus points? Did you end up redeeming them?

  • jscan on 08/06/2020 - 22:33

    I've opened the ANZ Black FF + Westpac Altitude Black in the past 4 months, already got the 120k points from ANZ. As soon as I hit the spend limit on Westpac i'm gonna dump the card & go for this.

    • ontoastrye on 08/06/2020 - 23:59

      Saw the existing customer terms: it doesn't say anything about having an existing Westpac CC? I thought Westpac owned St George so thus having a Westpac CC will make you ineligible?

      • Da dpG on 09/06/2020 - 09:24
        +2

        they do but they act as different entities.. it's just st george/bank sa/bank of melb who are joined at the hip

    • jscan on 09/06/2020 - 09:38
      +2

      ANZ FF blakck 120k points for effectively $150 annual fee
      Westpac Altitude Black - 90k points for $0 annual fee promo
      St George Platinum - 60k points for $49 annual fee

      = 270k points for $199 in annual fees. Not a bad result, assuming I get approved for the St George one.

      • kommy on 09/06/2020 - 10:26
        +2

        Where can you get the Westpac Altitude Black - 90k points for $0 annual fee promo?

        • encryptededdy on 09/06/2020 - 10:51

          Can't get it anymore :(

        • jscan on 09/06/2020 - 12:29

          It expired a few weeks ago. They seem to run it every now & then to existing customers.

      • Homr on 15/06/2020 - 21:52
        -2

        Can you please tell us what you will be spending it on while we are in recession? You do know you have to spend $10k up all from the 3 credit cards to get those points right?

        • jscan on 16/06/2020 - 15:12

          Once I hit the spend requirement on one card, I open the next. 4k across 3 months is relatively easy.
          4k / 3months = $1333.33 a month.

          I haven't made any purchases that I wouldn't have if I didn't open the card.
          I have already got the 120k points from ANZ + expect to reach the spend limit on Westpac Altitude this month.

      • Oneguyinmelb on 10/08/2020 - 15:39

        plus there was the bonus 20K you could activate via the Qantas page - https://www.ozbargain.com.au/node/528897

  • TomGum on 10/06/2020 - 18:40

    I’m on my 3rd day and still not approved. How is everyone else going?

    • Da dpG on 10/06/2020 - 22:31

      i got conditionally approved and then probably a day or two later finalised.

      • TomGum on 11/06/2020 - 15:20

        I am still conditionally approved. This morning I requested an update via sms and this is what I got back.

        “St.George Bank: Hi there, we've received a high volume of applications and are behind in processing. we'll get back to you if we need anything.“

    • UrMumsOnlyFan on 10/06/2020 - 23:55

      Approved within 24 hours of applying.

      • UrMumsOnlyFan on 14/06/2020 - 21:18

        And card received within 3-4 working days of approval.

  • spiff on 11/06/2020 - 12:35

    Got rejected for this card in February but approved within 12 hours this time.

  • Ohreally on 16/06/2020 - 22:06

    Applied last Thu. Only conditionally approved! Very slow progress..I have had this card 2 years ago and they were really quick then!

    • TomGum on 16/06/2020 - 22:39

      Applied on 8th. Still waiting.

      • Da dpG on 17/06/2020 - 09:05

        i've received mine after a couple days

  • Ohreally on 01/07/2020 - 09:37
    +1

    Applied over 3 weeks ago and still waiting. Pathetic customer service

    • TomGum on 01/07/2020 - 10:07

      You might find that your application got put on hold or rejected. They don’t let you know anything. I would be calling for an update.

  • hotdish on 08/07/2020 - 21:47

    These muppets are the worst customer service I've ever dealt with. Hilariously bad. Can't verify basic pay slips that displays significant income and assets.

    • Gooddeal21 on 15/07/2020 - 10:08

      ahaahaha same boat I had to call them to discuss my payslips :) Just applied to get the extra 30k qantas:)

  • arcticmonkey on 15/07/2020 - 17:25
    +1

    Got approved within two days.

    Very annoying that the card is being sent to a branch though, particularly during COVID.

    • UrMumsOnlyFan on 15/07/2020 - 22:41

      They posted mine direct to me, not to a branch.

  • momptdeals on 18/07/2020 - 12:20

    Who is the crediting issuer for St George, BankSA, Bank of Melbourne.

    Just applied with 800+ credit score across 3 different credit agencies, 0 crediting accounts, home loans or and income of $100k+ and got instant rejected at submission of application. Are they rejecting based off analysis that they won't make profit off me via fees/interest?

    • Da dpG on 18/07/2020 - 17:09

      nah i dont think so.. I'm in the same boat as you. Not too sure to be honest?

    • nightelves on 21/07/2020 - 15:03

      Yeah that's the same with Citibank as well. Hence I try to bump up my expenses a bit more now based on other's cc rejection.

  • nightelves on 21/07/2020 - 15:02

    Anyone know if government spend counts towards eligible spend? Looking to apply for the Amplify Signature but the $12k spend is way too much and hoping government spend helps to offset it a bit.

    • Da dpG on 21/07/2020 - 15:03

      12k spend on the card?
      I don't think it counts. I remember seeing it in previous posts. Best bed it so to confirm with bank

      • nightelves on 21/07/2020 - 15:11

        They will repeat the same thing on the T&C which means not eligible. Having said that other banks such as ANZ and Citibank also have the same exclusion yet government spend count towards eligible spend. Hence I wanted to ask from first hand experiences.

      • UrMumsOnlyFan on 21/07/2020 - 19:51

        12k spend on the card?

        $12k or $24k - https://www.stgeorge.com.au/personal/credit-cards/rewards/am…

        Receive 130,000 bonus Amplify Points in year 1 plus a further 70,000 in year 2 when you spend at least $12,000 on eligible purchases each year.^

  • lucyrenegade on 28/07/2020 - 12:01

    I have already taken advantage of the ANZ black card (120k) and Westpac Black card (80k). I figured this is the next best option? Seems like it's the next best points/cost ratio.

    • bozbargain on 29/07/2020 - 12:53

      Depends on how you value your points and the lounge passes. For $230 more (Signature), you get 30k more points and 2x lounge passes. Have to spend a bit more on the card though.

  • gamefreak on 05/08/2020 - 00:57

    Would paying council rates on the card be classified as "government charges"?

    • Da dpG on 05/08/2020 - 09:38

      i think if you set up direct debit then yes otherwise no

  • vawiyoci on 07/08/2020 - 09:25

    Anyone received the card recently? Got approved about 2 weeks ago, was asked to send in bank statements last week as payslips didn't show YTD income since they were post-new financial year, got a call this monday to confirm they received the bank statements and then nothing else since then.

    Thought it would have been a pretty quick approval once they glanced through the bank statements (or get back to me about what's missing), can't imagine that it would take another week+ to make a decision?

    • lucyrenegade on 07/08/2020 - 09:43

      I am in a similar position. St George was very quick to begin, frequently requesting additional documents to support my application. I then received an email last week saying that I have been conditionally approved. I haven't heard back since.

      • Da dpG on 07/08/2020 - 12:02

        Yes, I got mine pretty much straight away

      • Oneguyinmelb on 10/08/2020 - 15:25

        I was conditionally approved straight away for an application I put in last week.

        Though today I received an email requesting additional details, which I uploaded via the portal, but also that my address was different to the BoM account I had last year so I decided to call them and enquired about the missing information. I thought it may be because the July payslip YTD matched the pay given it was a new FY.

        Turns out even though my payslip has YTD Gross and YTD Tax, they only accept payslips that have YTD Net pay. The can reconcile the salary with bank statements, though I was in the middle of switching from Suncorp to Bank SA and Suncorp only provides statements every 6 months.

        After uploading a pdf of my suncorp transaction history I was approved and the card is on the way. The call was about 45mins in total, and card should arrive 5-10 business days.

        • vawiyoci on 11/08/2020 - 09:11

          Guess i'll have to call them up then, haven't received any emails or calls/texts about approval or the card getting sent out after they verified the bank statements last monday.

          • lucyrenegade on 11/08/2020 - 09:33
            +1

            @vawiyoci: I called them daily until they approved. Took about 4 phone calls.

            • vawiyoci on 11/08/2020 - 09:49

              @lucyrenegade: Did they explain what was the holdup, ie did you have to submit more docs or do they simply have a backlog currently?

              • lucyrenegade on 11/08/2020 - 11:10

                @vawiyoci: They kept asking for information that I had already provided, and it took me a few phone calls to convince them that I had provided the document. It was really weird:

                St George: We need document X
                Me: I sent you document X on this date
                St George: Oh yes, I see, I can verify that is the correct information
                … 3 second pause …
                St George: We need document X

                Four calls and finally they approved me during the fourth call.

                • vawiyoci on 11/08/2020 - 13:19

                  @lucyrenegade: just called them and got it approved. Not sure why they didn't contact me after the call last Monday, and they already had the doc they needed in their inbox anyway.

                  • lucyrenegade on 11/08/2020 - 13:46
                    +1

                    @vawiyoci: I've come to the conclusion that you need to prompt them to take action, otherwise your application just sits there.

                    • vawiyoci on 11/08/2020 - 14:28

                      @lucyrenegade: yeah definitely need to be more proactive on the next card i churn to, but just a bit frustrating since they already had the docs they were after.

            • arcticmonkey on 30/08/2020 - 20:15

              @lucyrenegade: Me too.

  • freemoneyhunter on 08/08/2020 - 08:28
    -3

    Why are people interested in this, there is no cash back, doing it for points is not worth it.

    • lucyrenegade on 08/08/2020 - 09:21

      At least 85 people disagree with you.

  • twodollah on 12/08/2020 - 14:53

    Just applied and approved on the same day. Impressed!

  • TomGum on 19/08/2020 - 09:05

    Anyone got their bonus points yet?

    • shonofear on 19/08/2020 - 09:13

      i think mine came in at 3rd statement

      • TomGum on 19/08/2020 - 09:20

        Oh I see. I just got my second statement but no bonus points yet.

        • vawiyoci on 24/08/2020 - 09:26

          Did you guys meet the 2k spend in the first month statement? Does this mean that St George is one of those banks that makes you wait the full 3 months before releasing the points?

          • bohn on 04/09/2020 - 10:51

            @vawiyoci: I met the 2k spend in the first statement, which just arrived. No points.

            • vawiyoci on 04/09/2020 - 10:57

              @bohn: Yeah I think St George would be one of those banks that drags it out for the full duration before releasing the points. Unlike Amex (I remember them literally dispensing the points as soon you hit the minimum spend before the first statement even arrived) and Citibank (as much as people complained about them on here).

              • arcticmonkey on 05/09/2020 - 08:04

                @vawiyoci: I got the 30000 bonus from Qantas early on but not the 60000 points

      • Crowmanz on 17/09/2020 - 07:36

        Hmm I had my 3rd statement this week and no bonus points, only got the regular spend points. I met the minimum spend in the second statement. I think I might have to chase them up.

        • bohn on 17/09/2020 - 11:45
          +1

          How annoying. They don't even have an online message facility.
          Let us know what happens.

          • Crowmanz on 16/10/2020 - 11:32

            @bohn: Showed up this week with the 4th Statement

            • bohn on 16/10/2020 - 11:40

              @Crowmanz: Good you got them. I met my spend in the first month, got them on the second statement.
              Cancelled the card already. Will get again in 12 months :)

        • UrMumsOnlyFan on 18/09/2020 - 09:03

          The bonus points will be credited to your points balance within 12 weeks after the eligible spend criteria is met.

          Over 90 days for me since making the spend. I'll have to call them.

  • Gazpacho on 28/08/2020 - 09:23
    -1

    Anyone managed to get the $49 waived?

  • tjbotha on 06/09/2020 - 11:57

    I have found St George application process extremely hard. They keep on asking more and more information and I eventually gave up. It is now in the "Too hard basket"

    • bohn on 06/09/2020 - 13:36

      I found this to be the case for the first st george card I applied for. But just recently got my second card and it was easier.

  • eecchhoo on 10/09/2020 - 20:30

    Trying to apply for this. So hard and keep asking for more details
    They want to see my homeloan statement and sent to them and now they want last 3 months statement (my bank generate statement 6 monthly and the last one was in May)
    So I generate The transactions from the internet banking and print to PDF. Now they want more information again with an sms received today. Never other bank asking so many things.

    • Da dpG on 11/09/2020 - 08:28

      I didnt get that.. I do think things have changed now we're in recession

  • zozuc on 12/09/2020 - 09:28

    Hi All, can you help me how to set up direct debit online? Thanks

  • Moo Deng on 15/09/2020 - 21:21

    Anyone else getting an error trying to apply for this card?

    'Application Error
    An unexpected error occurred while processing your transaction. This may be due to the temporary unavailability of one of our systems. Please try again later.'

  • TomGum on 18/09/2020 - 19:12

    Third statement and still no bonus points. I met my spend before 2nd statement. Should I call them?

    • Da dpG on 18/09/2020 - 19:13

      i've had the same thing.. they said up to 90 days from when you spend

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