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30,000 Qantas or Amplify Points on Bank of Melbourne/St George Amplify Platinum/Signature Credit Card ($0 Annual Fee First Year)

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30,000 Qantas or Amplify Points on Bank of Melbourne/St George Amplify Platinum/Signature Credit Card ($0 Annual Fee First Year)
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Pschmucky on 01/10/2016 - 19:36 stgeorge.com.au (4637 clicks)

30,000 bonus Qantas or Amplify Points on a new card, when you spend $2500 within 90 days from card approval. Exclusions apply.

$0 annual fee in the first year
1.00% p.a. for up to 12 months on purchases from card approval. 
0% p.a. for 18 months on balance transfers, requested at card application. 

Your choice of rewards programs, with Platinum extras
All the benefits of Amplify plus:
Double points on international spend
A range of complimentary insurance covers – including overseas travel insurance and extended warranty on purchases as set out in the policy
24/7 Visa Concierge service
All for a low annual fee of $99, $0 in the first year.

Financial Credit Card Reward Points

Related Stores

St.George Bank
St.George Bank

closed Comments

  • Bellpop on 01/10/2016 - 19:49

    Thanks for sharing. Good find w/ no annual fee

  • BlueGlass on 01/10/2016 - 20:24

    Looks good.

    Question: what does '1.00% p.a. for up to 12 months on purchases from card approval' mean?

    I would think it means you pay only 1% in interest for a purchase eg. 'at the supermarket' that is not paid off before the next closing balance, for the remainder of the time period till the anniversary of the card start date. can somebody clarify.

    thanks

    • lolmao on 02/10/2016 - 00:23
      +1

      Correct the interest rate on purchases is 1% til 12 months after approval (if you don't pay off full balance) and you'll no longer get interest free period if not paying off in full each month.

      • PerthectDeal on 03/10/2016 - 00:26
        +2

        Wow, so if you always pay off your credit card every month it would make sense to get a huge credit limit if you could, say 40k and every month instead pay the minimum payment and put the remaining money in your mortgage, after 12 months pay off the balance of the credit card. Therefore would would save typically 3.5% on what you spend (4.5% mortgage - 1% pa credit card). Sounds a win.

        This would be $1400 dollars saved if spend 40k in one year. Any thoughts??

        • muncan on 03/10/2016 - 09:49
          +1

          Make sure your mortgage allows you to redraw your 'remaining money' payments back, so you can pay off your card in 12 months time. Else you'll be exactly where they want you.

        • MrTweek on 03/10/2016 - 10:18
          +2

          To make it easier, you could just try getting a 40K balance transfer, which is entirely interest free for 18 months.
          This could save you $1700 in interest in 12 months and $2400 in 18 months (but keep in mind that you'll pay $99 annual fee after 12 months).

        • illumination on 04/10/2016 - 11:27

          @MrTweek: The problem with BTs is although what you've said is true, if you want to be able to use the card to earn points, for travel insurance etc. then you'll immediately be paying interest on it.

          This means you won't be able to use your card to earn points or for insurance.

        • MrTweek on 04/10/2016 - 12:29

          @illumination:
          Yes, that's true.

          You can minimize the interest by transferring the amount you pay to the credit card straight away. It's a bit of a hassle if you use it for everyday purchases, but if you just use it for larger purchases or for insurance it may be practical.
          Also, if you made it this deep into Ozbargain, you surely don't mind spending an hour a day fixing up your statements to save another dollar :D

          The best way to "safely" do this is having one credit card for purchases and one (or more) purely for balance transfers.
          The BT ones won't get you any points, but after all, you'd probably safe more money from these than points can ever get you. Almost every bank has some kind of balance transfer offer available, if you are happy to use a card without rewards for this.

  • stevtom27 on 01/10/2016 - 21:36
    +2

    Any idea on the minimum salary requirement?

    • rmcky01 on 25/10/2016 - 15:14

      Minimum income for the Platinum card is $35k and for the Signature card is $75k

  • Spizz on 01/10/2016 - 21:50
    +2

    Their Signature cards is one of the highest earning non Amex cards (other than Citi Select) for Krisflyer miles at 0.75 per $ locally and 1.5 per $ for overseas spend, and if you keep the card for a year (whenever your birthday is) then it turns into .825 per $ for local spend and 1.65 per $ for overseas spend every year you keep the card.

  • snuke on 01/10/2016 - 21:54
    +3

    Existing St.George customers who currently hold an Amplify Platinum or Amplify Signature card or who have held one in the last 12 months, are not eligible for this offer. Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY transactions, refunds and balance transfers debited from the card account. The bonus Amplify Points or Qantas Points will be credited to your points balance within 12 weeks of the eligible spend criteria being met.

  • iloveLucas on 01/10/2016 - 22:30

    found it.

  • ahara on 01/10/2016 - 22:44
    +2

    Qantas Lounge Passes seem to be included as well for some of the cards:

    6. Amplify Rewards and Amplify Qantas each offer airport lounge passes. Cardholders are only eligible for lounge passes offered for their selected rewards program and conditions apply. Lounge passes are subject to expiry. Priority Pass is offered to Amplify Rewards Cardholders, who must enrol via stgeorge.com.au/amplifysignature. For full details visit prioritypass.com/Conditions-of-use.cfm. Qantas Club Lounge Invitations is offered to Qantas Rewards Cardholders who must enrol via stgeorge.com.au/amplifysignature. Access and use is subject to Qantas Club Rules. For full terms and conditions visit qantas.com/qantasclub and some exclusions apply.

  • thydzik on 01/10/2016 - 23:05
    +2

    first time i got the application unsuccessful straight away.

  • timetoquit on 01/10/2016 - 23:44

    I was waiting for this to come around but just applied and got approved for the Amex Explorer promo. Might have to try, haven't been knocked back for a few years now. Never banked with St George - anyone know how stringent they are?

  • John Stone on 01/10/2016 - 23:54

    Yeah same, have quite a few cards including the 28 Degrees, Amex Platinum Edge and Amex Explorer. Probably a bit risky to apply for another card so soon after being approved for the Amex Explorer. Would be interesting to see other peoples experiences on getting approved or not.

    • freesteakknives on 02/10/2016 - 01:40
      -1

      I don't think they worry too much about how many cards you have so long as you can meet the payments. When the last round of card deals were on I applied for platinum Virgin Velocity and platinum Qantas Rewards at the same time with the same bank and got them both approved over the phone in about 20 minutes. The only account that I had with that bank was a savings account with 153 dollars in it. And I've got way too many other cards. Must remember to close a few.

      • Sira on 02/10/2016 - 10:35

        It is determind by a few factors but mainly around servicing. That is, ensuring your income can safely meet your expenses. Having large limits ( even if you don't have any money owing) can be quite detrimental as they have to calculate 3% of the balance as the amount you will pay off the card every month even if it's always $0.

        In regards to the credit searches it certainly isn't great to have a 'busy file' I would consider busy probably 5/6 enquirers in a year.

        It also spooks companies when you have a number of credit card enquirers but no card because that means you got declined. So in your case I don't think it should be a problem.

    • MrTweek on 20/10/2016 - 10:35

      I applied for 8 cards over the last 18 months. Holding up to 4 at the same time. No problems at all.
      Credit rating went down by 3 points (out of 1000) over the whole time.
      I wouldn't be too worried.

  • nzthunderboy on 02/10/2016 - 00:27

    Does anyone know if they good when it comes to traveling overseas and using their Visa card. For example CBA is very bad as they have this overseas transaction commission/conversion fee and trust me, its hefty. On the other side, ANZ is not bad but then they kinda kill you with exchange rate.

    • drprox on 02/10/2016 - 09:31
      +2

      Suspect it's terrible like all the rest. Stick with 28degrees for overseas.

      • dazweeja on 02/10/2016 - 10:34
        +9

        Or Bankwest Zero Platinum which has travel insurance and doesn't have a fee for paying off your balance with BPAY like 28 Degrees.

        • drprox on 02/10/2016 - 11:02

          I just keep getting caught by that!

        • drprox on 02/10/2016 - 11:11

          Actually the Bankwest Mastercard qantas platinum looks good. 50K qff points and only $160 annual fee..

    • arctan on 03/11/2016 - 11:38

      The Anz traveller reward card doesnt charge fees on oversea transaction and oversea ATM cash withdraw. It also gives you free virgin domestic flight and two virgin lounge per year. It can also uses amex lounge at Sydney airport.

  • T-man on 02/10/2016 - 01:37

    Want to apply but don't like this bank, so give it a miss this time.

  • drprox on 02/10/2016 - 08:40

    Can't decide beetween this and the Amex Explorer!

  • cnut on 02/10/2016 - 10:04

    I should know this by now, but how long does it take to get your points and can you cancel the card after a few months once you get your points?

    • drprox on 02/10/2016 - 10:07

      Said 12 weeks post eligible spend in there somewhere. My plan exactly! Mind you no great rush given it's free for a while year :) gotta make sure my Qantas lounge passes arrive too haha.

  • Krish on 02/10/2016 - 10:44

    Gotta pay rego and insurance so the spend requirement shouldn't be too hard, ANZ Black limit might make them decline me though…don't know if I'm willing to try

  • Tangenyahu on 02/10/2016 - 12:23
    +4

    I saw on a previous comment from jackofspade on the Amex Explorer post that said that you can still get the ANZ Black with the 75K QFF points and the annual fee waived for the first year if you're an existing ANZ customer with internet banking. It seems to show this on this link on the ANZ website: https://www.anz.com.au/personal/credit-cards/offers/ibfreque…

    As with the Altitude black from Westpac, I can't see any reason not to just open up a free online bank account and then sign up for the ANZ black with the first year annual fee waived.

    Has anyone tried this on? It seems to be a far better deal than this if it works. I can't tell if this has been missed by the OZB community because it's actually crap and I'm missing something, or if everyone else on here isn't eligible because they have already received their 75K points from ANZ already…

    • dazweeja on 02/10/2016 - 12:28

      I'm a bit confused by your second paragraph. If you meant sign up for a Westpac - not ANZ - Black, yes you can do that. You can sign up to a Westpac Reward Saver online and then sign up to to the Altitude.

      • Tangenyahu on 02/10/2016 - 12:32

        Sorry what I meant is you could get the Westpac Altitude card with 50k QFF points and the annual fee waived for the first year if you weren't an existing customer and signed up to one of their free online accounts. It looks like you can do the same (the ANZ progress saver is a free account) with the ANZ black based on that link

        • HingleMcCringleberry on 02/10/2016 - 15:00
          +2

          This is what I did for the Altitude card about a month ago. I signed up for the Reward Saver online and then immediately signed up for the Altitude card.

    • drprox on 02/10/2016 - 13:17
      +1

      damn, now i've applied for both! haha

    • jackofspade on 02/10/2016 - 14:58
      +3

      ANZ and Westpac does have better offers but most ozbargainers churning credit cards for points already took up the offers in the last 12 months. I saw the ANZ internet banking offer at http://www.australianfrequentflyer.com.au/community/current-…

      • ilikeradiohead on 06/10/2016 - 17:23

        Yeah exactly I'm still waiting for it to have been more than 12 months since I cancelled my last ANZ card.

  • strawberrybug on 02/10/2016 - 12:29

    Great find. What are some options of spend to get the Qantas club pass (besides actual flights) ? I know other posts have talked about buying a top up of points but it seems like a hit & miss process.

  • Nat000 on 02/10/2016 - 13:54
    +1

    Where does it say in the T&c's that you must spend on qantas to get the qantas lounge passes ?

    • strawberrybug on 02/10/2016 - 21:43

      sorry I just assumed it was standard Qantas Club T&C's as that's the criteria to obtain Qantas club passes with Westpac Black.
      Couldn't find anything as specific here:
      9. QANTAS CLUB LOUNGE INVITATIONS To be eligible for the two complimentary annual Qantas Club Lounge invitations, please enrol your details including your Amplify QantasCard number and date of birth via stgeorge.com.au/amplifysignature. Your registration will be accepted when we can validate your details. The invitations will be sent to the Account holder who has registered, to the Card account mailing address within 4 weeks of validation. An Amplify Qantas Card number can only be registered once. At any time you are able to opt-out from this benefit by returning to the registration website. Qantas Club Lounge Invitations are provided courtesy of St.George, and are valid for Qantas Club and Qantas operated international Business Lounges only. Not valid in International First Class lounges, Chairman's Lounge, Qantas Domestic Business, Qantas oneworld® alliance airline, partner airline or associated lounges. Each invitation is valid for a single visit before the date specified on the invitation, when travelling with Qantas or Jetstar with a QF or JQ flight number. Access and use is subject to Qantas Club Rules which are available at qantas.com/qantasclub. In future years, the invitations will be automatically sent to your Card account mailing address, provided you hold an eligible card, you have not chosen to opt-out from this benefit, you are not in breach of your credit card Conditions of Use, and there has been a transaction on your account of more than $1 within the last 12 months of registration. The invitations will expire on the date printed on the invitations.

      http://info.stgeorge.com.au/amplify/signature/tandc.htm

  • Chumpmaster on 02/10/2016 - 16:21

    Has anyone prepaid their utility bills in advanced (say 500 bucks) in order to reach the spending threshold?

    • Slo20 on 02/10/2016 - 16:34

      Wouldn't that be a B-payment which is on the excluded list of eligible purchases?

      • muncan on 02/10/2016 - 22:46
        +1

        If you pay the utility bills by BPay, they would be considered BPay payments :-)

        • MaccDogg on 10/10/2016 - 00:18

          Even if you pay your bill on the utilitys website?

        • rusty2k on 24/10/2016 - 17:18
          +1

          @MaccDogg:

          use paypal for utilities payments - add card to paypal you get the points that way

    • powerhammer on 02/10/2016 - 16:52
      +1

      Yes I've done this. Also works with insurances (eg health insurance, car insurance), phone bills, car toll account etc.

    • timetoquit on 03/10/2016 - 01:53
      +1

      Yes you can do this. You can prepay anything you want.

      I havent used Bpay in years and always pay accounts via the retailer/ service provider portal/ their own website or use postbillpay earning points on every single bill.

      • WhyAmICommenting on 03/10/2016 - 12:09

        New to points collecting, thanks for this

    • MrTweek on 03/10/2016 - 10:26
      +2

      I guess the easiest way to prepay stuff (for me at least) would be prepaying grocery shopping and petrol, i.e. getting Wish gift cards.
      You can even get some 5% off and $500 are spent quickly for most people, I guess.

    • tunzafun001 on 06/10/2016 - 15:45
      +2

      Use postbill Bay. I rang the bank and they confirmed it is an eligible spend and will earn points. If not offered, Paypal with a linked card is another way.

  • pulpfiction on 02/10/2016 - 21:01
    +1

    I'm seeing mixed reports on whether the Signature card earns points on ATO Payments. The T&Cs suggest not, however reports on real world use indicate otherwise. Anyone had experience with this?

    • Chumpmaster on 03/10/2016 - 09:00

      Interested in this point as well given tax time is coming in due

      • rusty2k on 24/10/2016 - 17:20

        Does an ATO payment count towards the $2500 spend to get the points?

  • stephjess3 on 03/10/2016 - 11:48
    +1

    whats the best credit card to take out?? I am getting confused.

    • WhyAmICommenting on 03/10/2016 - 12:11
      +1

      That westpac option of opening a savings account to get the 50k/75k points card fee waived sounds better if you haven't already done this.

      • Bellpop on 04/10/2016 - 11:50

        Westpac 75k points?

  • grb1234 on 03/10/2016 - 13:17

    damn, just got a BoM card, missed out on the 30K points :(

  • Skramit on 03/10/2016 - 13:27
    +3

    Not sure if anyone mentioned above, but the following are the minimum credit limits.

    Platinum: $6000
    Signature: $15000

  • Cyphar on 03/10/2016 - 16:34

    That minimum spend for the 30k points is a killer though. You're better off spending a few hundred on Epicure to get the same amount instead (Plus you get some good wines.)

    • muncan on 03/10/2016 - 22:03
      +1

      I see several ½ dozen bottles offers on epiQure with 5k of bonus points for $192. So that's a $1,152 spend to achieve the same 30k points. Unless I'm missing something?
      Interesting though, as it's less than half the spend for this card. But I'm not sure I can substitute my monthly groceries for wine. Or can I?? 🍷

      • Cyphar on 04/10/2016 - 09:58

        That is the usual rate. When there's a sale, or Xmas, it goes higher. I've bought 6 bottles of wine for $140 and got 20k points on their xmas sales. 10k on other sales, etc.

  • ywpn on 03/10/2016 - 18:31

    Can these points be transferred to (for example) Velocity?

    • ols108 on 04/10/2016 - 00:26
      +1

      They can at a rate of 2 reward points to 1 velocity point.

      • ywpn on 04/10/2016 - 00:35
        +1

        Dang - that's a pretty wasteful conversion :(

        • ols108 on 04/10/2016 - 12:08

          Yeah I thought the same, but I have zero use for Qantas Points, figure might as well convert to VA and take the 15k free points anyway.

    • muncan on 04/10/2016 - 14:05

      Try the classifieds

  • tunzafun001 on 07/10/2016 - 00:12

    So…Can you sign on to this /the westpac card to get the 50000 Qantas points, and then after reaching the eligible spend/ getting the points, switch over to the other reward system. As technically wouldn't the Qantas points be worth more (based on point earnings per dollar), but the other is more versatile. This way get the best of both?

  • mitch21 on 12/10/2016 - 08:08

    I cant see it written anywhere but I'm guessing this card has 56 days interest free?

  • thydzik on 05/01/2017 - 17:11

    I received my bonus 30k points.

    • melay0326 on 09/01/2017 - 16:38

      How long did it take after you spent the minimum 2,500?

      • thydzik on 09/01/2017 - 17:08

        minimum spend on 1st statement.
        received points on subsequent statement.

      • narewa on 10/01/2017 - 19:49

        I applied in Nov and managed to do the minimum spent the same month, got the bonus points in jan

      • melay0326 on 11/01/2017 - 01:21

        Thanks for your response. It's just my partner and I still haven't got our points after our min spent last Nov. Keeping my fingers it will go through to the next statement we're about to receive this week

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