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AmEx Statement Credit - Spend $100 and Get $10 Back @ Sniip

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AmEx Statement Credit - Spend $100 and Get $10 Back @ Sniip
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reacher on 12/01/2021 - 09:11 amex.com.au (243 clicks)
Last edited 12/01/2021 - 13:58 by 1 other user

I am pretty sure this is targeted, i also had the other spend $50 and received 1000 points offer

there's Surcharge i believe 1.5%, so essentially this will be like $8.5 off $100

DETAILS
Save the offer to your eligible Card and spend $100 or more, in one or more transactions, in-app only via the Sniip app by 12/03/2021 to receive one $10 credit. Limited to the first 25,000 Cards to save the offer. Exclusions apply.

OFFER TERMS
Prior to making payment you must add your Card as a payment method in the Sniip app.
Offer is limited to one credit per Card to which the offer is saved and only spend on this Card counts towards the Offer.
Excludes transactions where you do not spend directly with your Card to which the offer is saved, in-app via the Sniip app. Valid at Australian app only.
Excludes transactions made through a third party establishment or payment processor.
Credit is not redeemable for cash or other payment form.
Credit should appear on your billing statement within 5 business days from qualifying spend but may take up to 90 days from the offer end date.
Credit will not be applied to your Card Account if your Card has been suspended or cancelled.
Credit may be reversed if your qualifying purchase is refunded or cancelled.
Full Offer Terms available here.

Referral Links

Business Explorer Card: random (1)

Referrer: 40,000 Reward Points

Centurion Personal Charge Card: random (7)

Referee gets 200,000 MR points. Referrer gets 150,000 MR points.

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closed Comments

  • 0 0 0 on 12/01/2021 - 09:18

    So I got both these offers on two of my cards but don't really understand why this is different from BPay or Postbillpay? Are there fees with this service? Can I pay off a credit card bill with another credit card and create inception by using this service?

  • Yabadabadoo on 12/01/2021 - 09:19
    +1

    Why anyone would use sniip is beyond me! They 1.5% + the credit card surcharge of the company you are paying. The points you get are never going to be worth that much so seems like a waste of time.

    • 0 0 0 on 12/01/2021 - 09:21

      Oh right thanks, answers my question. The dodgies don't make it clear upfront that there's fees associated. You could try create an infinite loop of credit cards paying off each other 🤣

      • neilpatrickharris on 12/01/2021 - 09:43

        Can't… According to their T&C you can't pay "finical" institutions.

        Due to the risk profile of certain billers, Sniip has initially restricted certain sectors.
        Theses categories include:
        Remittance Service Provider
        Charities & Non-For Profits
        Intermediaries
        Pay Day Lenders
        Internet Gambling
        Casinos
        Goods Dealers
        Foreign Exchange Currencies
        Securities & Derivatives
        Managed Investment Schemes
        International Business Operations
        International Students or Travel Products
        Hiring and Leasing
        Banking and Finical institutions

    • daft009 on 12/01/2021 - 09:41

      i don't agree on the "points are never going to be worth that much"
      its upto you how to redeem them.
      some are wiser choices than others

    • neilpatrickharris on 12/01/2021 - 10:06
      +3

      What do you mean 1.5%+ the credit card surcharge? I thought it was just the 1.5%.

      I have my strata bill coming up and have this offer saved across 10 cards so can potentially save me $85, but want to make sure I won't get charged anything other than the 1.5%.

      • squarepants on 12/01/2021 - 10:17

        Believe the credit card surcharge is the 1.5% that he/she was referring to.

        As long as your not using an AMEX to pay a DEFT bill, you'll be right. i wish i had this offer. could save me some money on my rates bills.

        • neilpatrickharris on 12/01/2021 - 10:54

          Just to clarify, when you say not using Amex to pay a DEFT bill you’re talking about normal payment right? and not through Sniip? I normally just have a quarterly auto transfer set up from my bank account so I don’t incur fees, but will give Sniip a try this quarter.

          Edit: realised you can't pay DEFT through Sniip using amex (they're working on changing that). Guess I'll pay council rates

          • squarepants on 12/01/2021 - 11:37

            @neilpatrickharris: Sorry, meant through Sniip. Sniip takes AMEX, but not for payments to DEFT.

            So you can do payments directly to councils or other bodies with AMEX for the 1.5% surcharge. It works well if you value the points at greater than 1.5c per point i guess.

          • thomalfa on 16/02/2021 - 09:48

            @neilpatrickharris: re council rate… depending on which council you're paying some incur credit card surcharge and some council doesn't charge even though paying with a credit card.

            just curious how do you go with the council rate payment?

            I get one that due at this end of this month… if can get $10 off… I wouldn't mind paying just 1.5% still bargain by few dollars after all

      • Yabadabadoo on 12/01/2021 - 11:18

        Their site says "*Credit card surcharges are at the discretion of the service provider and may apply to Sniip transactions. Please check the fine print on your bill or with your service provider."

        So the way I read it is there is a fee to Sniip of 1.5% + the credit card surcharge of the merchant if they charge one.

        • neilpatrickharris on 12/01/2021 - 11:25
          +2

          Just called them, they confirmed it's just the flat 1.5% and nothing else on top

        • squarepants on 12/01/2021 - 11:38

          I've made rates payment before and it was a flat 1.5% cc surcharge.

        • birdnw on 12/01/2021 - 16:53

          I have a gas bill that I need to pay and the merchant charges 1.5% for Amex payment. I guess if I use Sniip to pay for this bill then I will need you pay 1.5+1.5%=3%?

          • bajirao on 13/01/2021 - 02:39

            @birdnw: No - just once. Infact my utility provider charges 1.xx % for Visa/MC and 2.xx % for AMEX so via Sniip app this reduces to 1.5% for AMEX and 0 for Visa/MC.

            • birdnw on 13/01/2021 - 08:04

              @bajirao: Do you mean Visa/MC debit or credit? Sniip website stated they charge 1.5% for Visa/MC credit as well?

              • bajirao on 14/01/2021 - 18:19
                +1

                @birdnw: I used the Coles prepaid MasterCard and it was treated as Debit card so 0% fees. Had i used provider website, it would have costed me 1.xx% surcharge.

            • thomalfa on 16/02/2021 - 09:52

              @bajirao: have above been proven???

              it seems too good to be true… but won't complain if it's real

              edit: saw that you mentioned "prepaid m/c" … I guess this has the same category as a debit card… if a credit m/c will have surcharge

  • baron33 on 12/01/2021 - 09:21

    $50 and received 1000 points offer (amex rewards points) vs $100-10 —- which one is better?

    • reacher on 12/01/2021 - 09:31
      +2

      it's the same, 1000 pints is $5, so they are both 10% off, minus the surcharge, it's like 8% off

  • lawbee on 12/01/2021 - 09:49
    -5

    the 1.5% processing fee totally kills the deal

    • squarepants on 12/01/2021 - 10:15
      +3

      free money's free money. you'd still be ahead by $8.50, don't see how that kills the deal?

    • YOTR on 12/01/2021 - 10:20
      +1

      Are you getting a >8.5% rebate on your bills using another method?

  • bargain4all on 12/01/2021 - 09:54

    where is the processing fee stated on website? Its in the faq section of BPAY. But we are getting $10 back so effectively $8.5 back

  • hamza23 on 12/01/2021 - 11:49
    +7

    Amount Paid $100.00
    Amount $98.52
    Processing Fee $1.48
    Processing on* 13 Jan 2021 AEDT

    Pay $98.52 so the total is $100 exactly after the fee. Got the email from AmEx immediately:

    Spend $100 or more, get $10 back
    Thank you for using your Sniip - Pay bills fast Amex Offer with your Card ending in xxxxx.

    • thomalfa on 16/02/2021 - 09:57

      can you split a bill of $300+ into paying 3 different cards with the offer???

      • hamza23 on 16/02/2021 - 10:45

        Yes, I did that.

        • thomalfa on 16/02/2021 - 10:52

          cheers… this is interesting to find out

          • SydOzber on 02/03/2021 - 17:21

            @thomalfa: I have added 4 cards and paid $100 on each card.
            I was sent an email for identity verification - DL/Passport along with images of all cards added. They wouldn't release funds till this step is completed.

            • Turd on 02/03/2021 - 20:13

              @SydOzber: Each card had your name on it?

              • SydOzber on 02/03/2021 - 20:14

                @Turd: 2 cards on my name and 2 on my wife’s name

                • Turd on 02/03/2021 - 20:16

                  @SydOzber: They allowed that? Did you have to supply wife's ID?

                  • SydOzber on 02/03/2021 - 21:54

                    @Turd: I haven't replied to them yet.

            • thomalfa on 03/03/2021 - 22:37

              @SydOzber: Oddly mine didn't ask for any id verification… All I could saw was the fee has been charged thru the credit card online statement

              The thing is the actual receipt from the merchant (say pay council rate) is not able to get. What can be seen only sniip payment number from the apps

              • SydOzber on 03/03/2021 - 23:00

                @thomalfa: Replied with a copy of all cards used and a copy of driving license. Received an email that they were able to successfully verify my account.

    • p1723 on 10/03/2021 - 10:23

      I tried adding my amex and it says "biller unavailable (under review). Some industry codes are unable to be paid"

      Did you also have this problem? Can we get this deal without using amex card?

      • hamza23 on 10/03/2021 - 10:26
        +1

        I didn't have that problem, I don't think you can get this deal without using your AmEx card.

        Might be best to contact them to ask why.

  • marquise on 12/01/2021 - 18:40
    +3

    ok everytime I see 'sniip' on ozb, I keep thinking it is a vasectomy clinic

  • arcticmonkey on 13/01/2021 - 20:05

    Can't see why anyone would pay 1.5% to use this service.

    Not only do you have to pay a fee, the payment can take several days to be acknowledged by the recipient. That could lead to late payment issues on some occasions.

    If you're going to pay a credit card fee, at least many companies will acknowledge the payment right away if you pay direct.

    • thomalfa on 16/02/2021 - 10:01

      I would agree with you however if using a card payment mostly will charge a surcharge to the most bills & rates…

      I will give it a try since there's a $10 cashback even though I can't split a bill of $300+

      obviously if can split it is even better…

  • moony on 21/01/2021 - 16:07

    Definitely targeted. Waiting for Ninja to come up with a manual link :)

    • ely on 13/02/2021 - 09:03

      Still no manual link :(

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