100k Amplify (can convert to 50k Velocity points) - $3k spent within the first 90 days. 1st year annual fee is $49, but sign up to an everyday account with St. George and this is waived.
A good churn all things considered. Virgin moneys nearest is 80k for $149 without any of the insurances.
150k points on the one above but 12k spend in 12 months and minimum 15k limit. Good for someone with a mortgage and paying package fee. 2 lounge passes a year and free insurance perks etc
Card fee will be waved off if you have a home loan package