St. George Amplify Rewards VISA Card: 150,000 Points with $12,000 Spend in 1 Year (Worth ~$675 eGift Card), $199 First Year Fee

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St. George Amplify Rewards VISA Card: 150,000 Points with $12,000 Spend in 1 Year (Worth ~$675 eGift Card), $199 First Year Fee

Go to Deal

whyisave on 26/03/2023 - 18:27 stgeorge.com.au (1792 clicks)
Last edited 27/03/2023 - 19:15 by 2 other users

Earn 150,000 Amplify Rewards Points, when you spend a minimum of $12,000 on eligible purchases within the first 12 months from approval
2x Priority Pass invitations per cardholder year
Overseas Travel Insurance, Extended Warranty Insurance and Price Guarantee (PDS)
Access to Visa Luxury Hotels program
Apple Pay, Google Pay & Samsung Pay support
1.5 Amplify Points for every $1 spent on eligible purchases
0% p.a. on balance transfers for 24 months, with a 1% BT fee

○ Annual Fee: $199 in the first year, $279 p.a. ongoing
○ Offer not available to existing St.George/BankSA/Bank of Melbourne customers who hold an Amplify, Amplify Platinum or Signature card, or those who have held one within the last 12 months
○ Offer expires: 30 June 2023
○ The bonus Amplify Points will be added to your points balance within 12 weeks of the eligible spend criteria being met.

Financial Credit Card Reward Points VISA

30 Jun 2023

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closed Comments

Hansi on 26/03/2023 - 19:02

+13

Phew spend $12,000….in 12 months but still…
- Mr Frodo on 26/03/2023 - 20:30
  
  +18
  
  $12k is like 1.5 week of groceries these days
- WhatsTheBigDeal on 27/03/2023 - 18:05
  
  got this a month back for my wife - with planned big payments - received points just a few days after completing the transactions to cover $12k. Recommend!
- payless69 on 20/04/2023 - 17:14
  
  Get a Commbank reader, selfcharge @1.1% and reap the difference.
BuyLowLetsGo on 26/03/2023 - 19:05

+16

12k in 12 months. They’re getting smarter with churners!
- jabroni on 26/03/2023 - 19:13
  
  +2
  
  like telstra did with the old 12 month phone plans with $500 gift cards
  - pichoni on 26/03/2023 - 19:32
    
    jabroni - cool word!
    - bigbadboogieman on 26/03/2023 - 21:24
      
      +1
      
      He smelt what the rock was cooking everytime…
- Mokr on 26/03/2023 - 19:39
  
  +15
  
  Don't sign up. Teach them. Lots of other cards
- FeZZa21 on 26/03/2023 - 22:23
  
  Definitely anti-churn from StG
- whyisave on 27/03/2023 - 15:26
  
  Hold on…are you saying, that all 12-months need to elapse first,
  before they look at the spend criteria ?
  
  I have this Amplify card, but I applied last year,
  and they more 'slower' than other banks, in approving me.
  
  I think I will hit the spend criteria within 10+ months,
  but I thought as long as I spent the $12k,
  then it does not matter how many months (?)
  - WhatsTheBigDeal on 27/03/2023 - 18:06
    
    +1
    
    correct, completed $12k in a few weeks (planned) and got points a few days after.
    - whyisave on 28/03/2023 - 15:15
      
      +1
      
      Thank you for confirming.
      
      I knew I had some upcoming big spends,
      so that's why I signed up to this Amplify card.
krazek on 26/03/2023 - 19:05

+1

Annual Fee is discounted further if you're an existing customer I believe
- DrRalph on 26/03/2023 - 19:35
  
  +1
  
  No evidence of this when I appied today.
- ozb-lurker on 26/03/2023 - 20:31
  
  +1
  
  $99 for me - existing customer but probably won't apply for this card. The spend is too high.
- vawiyoci on 27/03/2023 - 10:32
  
  That used to be the case but looks like it's completely gone now?
  - Meconium on 27/03/2023 - 11:10
    
    The further reduced fee, or the offer for existing customers has completely gone?
    - vawiyoci on 27/03/2023 - 13:49
      
      +1
      
      Fee free for existing customers last year when I had it. You can check the old expired OZB posts for the comments. I've already forgotten if STG also has that qantas rewards fee like their parent WBC does. EDIT just logged in to check and it's a $50 discount offer so $49 annual fee instead of the full $99, and also no qantas reward program fees etc.
funnysht on 26/03/2023 - 19:11

Out of curiosity if you get an instant decline when you submit the application..does that mean the bank that refused you based on their criteria…i.e there hasn't been a credit file check?
- ledgisv2 on 26/03/2023 - 19:49
  
  I think there will still be a credit check
- adrianhughes1998 on 26/03/2023 - 19:52
  
  Nope they still ran the check.
- I like freestuff on 26/03/2023 - 20:44
  
  I get instantly declined by this mob. I think it is because of all the previous CC applications with other providers that they can see. Their enquiry still shows on my credit file.
caustic birch on 26/03/2023 - 19:15

Pretty sweet deal at the moment
icomeforthecomments on 26/03/2023 - 19:16

+6

I’d be very wary of St George. I hadn’t banked with them before and they rejected my credit card application. They apparently didn’t get all my financial info. After going into branch and resending, the approval team said no, we’re not reassessing the application - application is denied. Then I was advised to open up an everyday or savings account with them and try again down the track. Now I avoid St George/Westpac with a barge pole.
- Foma2 on 26/03/2023 - 20:33
  
  +5
  
  I had similar experience with Westpac - very disappointing.
  Never ever had any problems with the other banks.
- Mokr on 26/03/2023 - 21:00
  
  I got lucky and got it.
  
  Has to send two slips.
- daft009 on 26/03/2023 - 21:09
  
  +1
  
  I also opened a savings account for 3-4 months before applying for their black card.
  
  For me it was worth doing as it's the highest earning non Amex card for my needs. I usually put through 25k/month
- cakesyy on 26/03/2023 - 22:00
  
  I had the same with great southern bank and move bank. but no problem with macquarie, amp, ing, anz.
applejack on 26/03/2023 - 19:34

+6

I am a current St George customer with an amplify card. I previously had a St George home loan but recently refinanced.

Hands down had to be the hardest experience getting approved for a credit card even though they were happy to lend me 800k.

I would not wish the process on my worst enemy.

Obviously your experience may differ.
- waving on 06/06/2023 - 19:02
  
  I'm a new home loan customer with St George. Applied shortly after settlement for the credit card. Once I'd uploaded additional documents it was approved in 2 days - no follow up phonecall needed. Possibly the easiest application I've ever had. Complete opposite to the experience of @applejack. Sometimes makes you wonder if it just depends on who you get on the day assessing and what side of the bed they got out of.
VeganJerky on 26/03/2023 - 19:35

+2

$12k spend is greedy.
- Craze on 26/03/2023 - 20:09
  
  +1
  
  Yeah even though you could argue it's $3k spend/quarter like other similar tiered cards however this forces you to spend $12k within a shorter period of time if your intention is just to churn quickly.
- Meconium on 27/03/2023 - 11:12
  
  Banks? Greedy? Surely you jest
DrRalph on 26/03/2023 - 19:35

Applied today. Not instantly approved. Said they would call me withibn 2 to 3 days.
- DrRalph on 10/04/2023 - 20:21
  
  +1
  
  Approved after a week. They claimed that my mortgage payments were too low!
dein_gesicht on 26/03/2023 - 19:40

+3

This card is the GOAT for KF miles
- tororm on 26/03/2023 - 19:55
  
  +5
  
  I had one for a week last year to pay for my tax bill. The bonus points paid for my $7000 first class flight on Singapore Airlines home. $89 tax only.
  
  I've now moved into the Citibank premier.
  - Hansi on 26/03/2023 - 20:40
    
    +4
    
    KF so much better than Qantas with their greedy „taxes and fees“ on top of points nowadays
    - tororm on 26/03/2023 - 21:18
      
      +1
      
      A combination of both works for me. KF exclusively is hard when living in Australia. Qantas is helpful for domestic and non SIN flights
  - knobbs on 26/03/2023 - 23:32
    
    +1
    
    The cheapest 1st class flight on SQ is 155k points, you would need to spend over $106k on the card to get the further points. Plus government transactions are excluded (in the $12k min spend), unless you paid with something like sniip with fees?
    https://www.singaporeair.com/saar5/pdf/ppsclub_krisflyer/cha…
    - Autonomic on 27/03/2023 - 00:16
      
      +1
      
      93k for saver awards. Still super high.
      - knobbs on 27/03/2023 - 09:26
        
        +1
        
        @Autonomic: Correct 93.5 I was looking at the wrong table
    - NoApostrophePlurals on 27/03/2023 - 08:39
      
      Curious to know how this was achieved and well. My quarterly GST is about 30k for my business, so it might be worth getting this card.
    - vawiyoci on 27/03/2023 - 10:41
      
      If you check the ATO thread over on the ausfreqflyer forum people are throwing around 5 and 6 figures BAS payments pretty casually.
    - sydneybargainer on 28/05/2023 - 16:06
      
      How difficult it is find the First class flight ? I mean with qantas it is almost impossible to find a first class classic reward flight ?
  - t0087669 on 27/03/2023 - 22:56
    
    Is ATO payment part of the eligible spend?
- sydneybargainer on 28/05/2023 - 16:05
  
  What is conversion rate from Amplify points to KF miles ?
me1stt on 26/03/2023 - 19:48

+1

$99 first year fee for Existing customer.
- mogambo on 27/03/2023 - 14:04
  
  Can you please help me understand how you managed to get this? I am an existing customer and I just got the card with the offer letter, and it still states a fee of $199 for the first year.
  I applied a couple of weeks ago, though I am not sure if that should be an issue.
  - me1stt on 27/03/2023 - 14:06
    
    Did you apply via internet banking? But since you were already existing customer before the application, I think you can contact St George for the fee reduction.
  - vawiyoci on 27/03/2023 - 14:36
    
    Based on previous experiences with other bank cards sometimes the emails/letters don't reflect the actual deal of your signup. You could always open an online live chat with them and confirm the reduced fee. I've also had STG refund it after they still got it wrong in the end even after confirming it beforehand.
DingoBlue on 26/03/2023 - 19:52

+3

lol good luck getting approved
adrianhughes1998 on 26/03/2023 - 19:54

+1

Man wish there was something like Citi PayAll where you could transfer it in or something and move it back, to meet the min spend
- Kongzi on 26/03/2023 - 20:05
  
  +1
  
  You can do it for this too
  - adrianhughes1998 on 26/03/2023 - 20:24
    
    Churners unite!
  - caustic birch on 26/03/2023 - 20:26
    
    How?
    - xsacha on 26/03/2023 - 21:18
      
      You can do it on any card with Revolut (1% fee)
      - drillvoice on 27/03/2023 - 01:19
        
        @xsacha: Please say more I am interested
      - nightelves on 27/03/2023 - 02:15
        
        @xsacha: This is considered cash advance. I think Westpac charged so I'm assuming this would also.
        
        xsacha on 28/03/2023 - 12:51
        
        @nightelves: Sorry I hadn't actually tried it but someone had said it doesn't appear as cash advance
Moo Deng on 26/03/2023 - 20:06

+1

Any restrictions on if you have recently closed Amplify Qantas Platinum?
hawkeye93 on 26/03/2023 - 20:17

They gave 130k points for the Platinum in 2021. Now reduced to only 90k.
https://www.ozbargain.com.au/node/660486
yokumoku on 26/03/2023 - 20:21

Excellent but the minimum credit limit of $15,000 is not what I want.
- Jayblesz on 27/03/2023 - 09:39
  
  Where does it say that?
  - yokumoku on 27/03/2023 - 12:09
    
    When you click apply, it shows minimum credit limit.
Callandor on 26/03/2023 - 20:25

Does it make a difference if you have a current credit card, cancel it and apply for this a week later? Or is it better to wait a specific time before applying for a new card?
- caustic birch on 26/03/2023 - 20:27
  
  If it's just one with a low credit limit I wouldn't think it would make a difference but who knows really. It will take a while to appear as 'closed' on your credit report anyways
wazza23 on 26/03/2023 - 20:34

+1

Can someone confirm what points are offered when paying ATO bill?
- daft009 on 27/03/2023 - 03:09
  
  No normal earning on govt charges.
  You might still earn the bonus points though.
  Read the fine print
- BuyLowLetsGo on 27/03/2023 - 14:29
  
  Pro tip. Use Beemit. Lots of previous post on this here.
  - whyisave on 27/03/2023 - 15:29
    
    I'm paying lots in government charges,
    but I'm reluctant using 'private apps' to do them.
    but I didn't know of Beemit.
    (I'd only heard of Sniip before)
    - BuyLowLetsGo on 27/03/2023 - 16:04
      
      +1
      
      have paid 30k+ in taxes a while ago, all through beemit and a combo of installment plans via ATO.
      
      Using beemit, I earned heaps of points and without the Sniip-like 1%+ fee.
      
      Have fun!
      - whyisave on 27/03/2023 - 16:45
        
        @BuyLowLetsGo: I think that's enough to convince me :-P
        
        In that case, I don't want to think of the all
        the points that I didn't get because I didn't know of Beemit !
      - vawiyoci on 10/05/2023 - 10:57
        
        @BuyLowLetsGo: I seem to be having issues paying with my STG card through Beemit lately, tried a few different bpay bills and keep getting the error "something went wrong" and then can't be processed. The last time this happened was with a CBA credit card and it turned out to be that certain credit cards simply don't work with bpay even through a third party (like the beemit app) while other banks are fine (unless you want to fork out the 1.5% for sniip). Wonder if STG is simply another bank that rejects beemit.
        
        BellaWii on 10/05/2023 - 11:20
        
        @vawiyoci: I had the same issues when I first started using Beemit. Raise the problem with Beemit. They eventually fixed it for me. Also be aware that there are now some third parties who will not accept credit cards when paying by BPAY.
        
        vawiyoci on 10/05/2023 - 11:23
        
        @BellaWii: Are you saying it's an issue that needs to be individually and manually rectified by Beemit and not a bank-wide credit card rejecting bpay issue? Also how long did it take for them to fix it for you, cos I can't wait 2 weeks with my current pile of bills lol. I did try re-installing the app and clearing data and re-adding my card as well, still the same error.
        
        BuyLowLetsGo on 10/05/2023 - 11:40
        
        @vawiyoci: I actually had this error for the first time trying to pay another Gov entity that wasn't the ATO. Turns out certain vendors won't accept bpay credit card payments, while some do.
        
        The best way to check is here: https://bpay.com.au/look-up-biller-code-financial-institutio…
        
        The vendor code will clearly state if credit card methods are accepted, then in that case you can use via beemit.
        
        vawiyoci on 10/05/2023 - 12:16
        
        @BuyLowLetsGo: Thanks I'll take a look. It just seemed like beemit used to be able to circumvent even the vendors that don't take credit cards but maybe that was just my own fuzzy memory. Would be a shame if it became more restrictive but at least there is still the option of postbillpay in some instances since the auspost app allows paypal (through which even amex is usable).
DrPotato on 26/03/2023 - 20:35

+4

If you're after VFF, this would be better for 130k points ($1500 spend each month for 4 months): https://virginmoney.com.au/credit-card/compare-our-credit-ca…, after you combine with this deal: https://www.ozbargain.com.au/node/756651

Lower first year annual fee too. I applied it for it last week, requested card to be express posted. Very smooth process overall.
- Justbuy on 26/03/2023 - 20:37
  
  Why wont u apply for both?
  - DrPotato on 26/03/2023 - 20:40
    
    +2
    
    Too many credit card application inquiries already. 😅 Some banks are catching on and denying churners, even if you have decent credit score, income etc to service the credit.
    - hawkeye93 on 26/03/2023 - 20:48
      
      I just closed a card recently and my score went up by 130 points. So weird.
      - xsacha on 26/03/2023 - 21:20
        
        +1
        
        @hawkeye93: Not weird at all. Less credit limit = higher score, given all else equal
    - stmgr on 26/03/2023 - 22:04
      
      How many have u applied in the last 2 years. Im thinking od starting to collect vff points.
      - DrPotato on 26/03/2023 - 22:30
        
        @stmgr: Virgin money's card would my fourth one this FY. I haven't been turned down for any cc yet but have heard on OzB about some banks pushing back applications of churners.
        
        If going for VFF, that virgin money card is really good value even if going by 1c/point conversion.
        
        Justbuy on 26/03/2023 - 22:54
        
        @DrPotato: Yea i had initially applied for the amex ultimate qantas, then westpac altitude qantas, and nab signature qantas. All in february.
        
        Then realised velocity is pretty good for KF and domestic flights so just applied for the virgin money high flyer last week and got approved already.
        
        But im also eyeing the citibank prestige and premier and then theres this one lol but im scared to apply now.
        
        Should i close before applying or does it not matter lol.
        
        DrPotato on 26/03/2023 - 23:16
        
        @Justbuy: I would read the comments on other OzB posts about the cards you're interested in to gauge if you might get rejected for several recent CC applications. Virgin Money seems alright but if you have multiple cards now, I'd be cautious. Not sure about St George.
        
        At the time of application for Virgin Money, I only had a Commbank Gold Credit card with a limit of $4k. Remember you've also got to meet the minimum spend requirements for all cards you apply for.
    - whyisave on 27/03/2023 - 15:33
      
      Currently, I got the quinella of the cards..haha…
      
      Citibank Premier
      AMEX Essential
      ANZ Rewards
      St. George Amplify
      
      Main thing is to not have debts, eg. HECS or Mortgage or Car lease
      It's fine if you're renting or not paying rent (if some other arrangement),
      but income needs to be 'high enough', and low living expenses.
      
      Still, I found St. George the most 'troublesome' to deal with,
      which also means, they are very prudent in their checks.
      
      Also, I had to lower the Citibank card limit, to as low as possible,
      ie. it used to be $15k (from their 'family, friends offer'),
      otherwise, I wasn't getting any card approved.
      
      I'll be cancelling 2 out of those Credit Cards within a few months anyway,
      as I try to churn out of them, and wait 12-months before the next one.
- Xizor on 26/03/2023 - 20:47
  
  Interesting. Ill have to keep an eye out for this next time. Do you know which credit card scheme wait list applies to be eligible?
  - DrPotato on 26/03/2023 - 21:14
    
    Not sure Xizor. The T&C don't specify an explicit exclusion but might be worth calling up and asking.
- ledgisv2 on 26/03/2023 - 23:55
  
  @DrPotato is it 130k or 100k? The link you gave shows 100k to me.
  - DrPotato on 26/03/2023 - 23:57
    
    +1
    
    100k base points + additional 30k bonus offered by VFF directly from this deal: https://www.ozbargain.com.au/node/756651, as stated in OP.
    - ledgisv2 on 27/03/2023 - 00:01
      
      I wasnt aware of this deal. Thank you so much.
- knobbs on 27/03/2023 - 00:07
  
  Exactly what I did last week and got the card today. Any idea how strict they are on per month 1.5k? It is almost EOM and I gotta spend real fast if it starts now. Kinda weird spending if you apply late in the month
  - DrPotato on 27/03/2023 - 00:15
    
    It is in the first four months from card approval so I would think it doesn't follow the calendar month.
    - knobbs on 27/03/2023 - 00:21
      
      How do you calculate current month if not via calendar month though?
      - DrPotato on 27/03/2023 - 00:23
        
        @knobbs: If your card was approved on 24th March, make sure to spend $1500 before 24th April. Or 20th April, to be on the safe side.
strongzero on 26/03/2023 - 20:58

+3

Amplify Platinum seems a better deal.

Quarter the Af in the first year and you can still net 90k amplify points which converts to 45k VF/KF miles for a 3k minimum spend.

If you loathe the trend of more onerous minimum spends, vote with your feet.
- ajole on 26/03/2023 - 23:08
  
  What’s your approach to points earn - if your goal is x points for example, how many credit cards do you have/churn through per year? Considering you would need to have 2x platinum cards to yield the same points earn as the signature (incl points earned from min spend).
  
  I find I am always trying to have less cards with most amount of points, as I am worried about my credit score. But don’t really know if credit score/worthiness is truely an issue in Aus considering there are so many different assessment methods.
  
  Also I’ve always thought min spend requirement is not really an issue, achievable via rent, tax or worst comes to worst gift cards. Though to be fair, 12k is the highest I’ve seen in a while…

This was posted 1 year 8 months 27 days ago, and might be an out-dated deal.

St. George Amplify Rewards VISA Card: 150,000 Points with $12,000 Spend in 1 Year (Worth ~$675 eGift Card), $199 First Year Fee

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