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Amplify Signature VISA Credit Card 90k bonus Amplify Pts Or Qantas Pts Reduced Fee ($139 Annual Fee First Yr) @ St.George Bank

900
Amplify Signature VISA Credit Card 90k bonus Amplify Pts Or Qantas Pts Reduced Fee ($139 Annual Fee First Yr) @ St.George Bank
Go to Deal
Chivalry on 26/02/2018 - 11:36 stgeorge.com.au (3494 clicks)
Last edited 23/03/2018 - 15:54 by 3 other users

Another Flash Finder Deal credit to jewboy.
This offer is only available through the finder Flash Sale. You must click through from finder.com.au to receive the offer outlined on this page. You will be taken directly to the St.George website to complete your application.

General Info
* Apply by 22 March 18 April 2018 and receive 90,000 bonus Amplify Points or Qantas Points when you spend $5,000 using your card within the first 90 days from approval.
* A reduced $139 annual fee for the first year, when you apply by 22 March 2018.
* Wide Range of Insurance
* Birthday Bonus - This feature lets you receive a 10% points bonus based on the points you have earned in the previous 12 months.
* 2 Qantas Lounge passes (Priority Pass)
* 0.75 QFF per $ on general spend (1.5 reward points)
* $15k min limit

via Finder

Financial Credit Card

Related Stores

St.George Bank
St.George Bank

closed Comments

  • Samsungnote10 on 26/02/2018 - 12:01

    My credit scores were ok.
    Got approved for amex nab anz

    But virgin/citi/st george
    Whom are the same lender (if im not wrong)

    All rejected my apps. Twice in 5 years too

    Maybe they just dont like me, or they are super strict

    • starburstyellow on 26/02/2018 - 12:16

      What's your score and when was your last application before this one?

      • Samsungnote10 on 26/02/2018 - 12:22

        when I applied if I can recall the scores were mid 700s

        the previous app would have been 3-5 years ago
        Edit: just checked my enquiry was jan 2017, and the one before is before 2014 as I cant see further than that

        unfortunately my scores have dropped recently due to another app that was approved and the new legislation, down to 548

        so im probably going to hold off any more applications for a while

        • lovepub on 26/02/2018 - 15:54

          How and where do you check it?

        • Samsungnote10 on 26/02/2018 - 17:25

          @lovepub:

          try credit savy

          there are i think 3 types of credit reports, each bank uses one of them

          in my experience I think theyre either linked or almost linked

    • Poolprouk on 26/02/2018 - 12:42

      It's my understanding that all 3 are different lenders.

      Virgin money credit cards are provided by Bank of Queensland
      Citi are provided by Citibank
      St George is a part of Westpac.

      • Samsungnote10 on 26/02/2018 - 12:56
        +4

        I thought virgin was citi backed ….if i recall

      • Chivalry on 26/02/2018 - 13:27

        Yes Virgin Money is owned by BOQ, but I believe all BOQ Credit Cards (and thereby Virgin) are underwritten by Citi.

        • Poolprouk on 26/02/2018 - 22:39

          I stand corrected.

    • nietzsche bargain on 26/02/2018 - 13:47

      How many credit enquiries do you have? My score is low 700's, with ~20 credit enquiries since 2014. During this period I've had Westpac, NAB, ANZ, Citi, Macquarie, St George, CBA, Amex, . but until recently Westpac and NAB didn't like me (ironically I had success after my credit enquiries increased).

      • phillay on 26/02/2018 - 13:52

        how does one check their own credit score?

        • nietzsche bargain on 26/02/2018 - 13:55
          +3

          https://www.moneysmart.gov.au/borrowing-and-credit/borrowing…

          Creditsavvy (Experian rating)
          Credit Simple (Dun and Bradstreet score)
          Finder (Equifax score)
          Getcreditscore (Equifax score

          I believe all providers are required to give you at least one free report per year

        • sw0rdy on 26/02/2018 - 14:21

          use either getcreditscore or finder as they provide the Equifax score which is the most used score by lenders, since equifax have the most data.

        • endolphin on 26/02/2018 - 21:35

          @sw0rdy: interesting, I'd only ever checked experian, which got decimated this month (from 750 to 522!). Just checked equifax and 711, go figure! Is it unusual to have such big differences?

        • sw0rdy on 27/02/2018 - 06:25

          @endolphin:
          Sure is. That’s the issue, if a credit bureau doesn’t have enough info on you - they may well be painting the wrong picture of you to a lender.

        • poiterbad on 28/02/2018 - 08:23

          @endolphin: Did this change recently because of the new reporting on payments? My score increased by roughly 100 from 450 because I make all my payments on time, but a friend had his score decrease from around 700 by 100 and he too made payments on time so who knows how the new reporting works.

        • phillay on 28/02/2018 - 10:33

          @nietzsche bargain: thanks mate, just did it credit simple says 858, ill track next month see how it goes.

        • endolphin on 28/02/2018 - 14:01

          @poiterbad:
          3 new credit cards in two months, including a balance transfer, would have had something to do with it! My on time payment is and always has been 100%.

          Weird that the impact of that was basically nothing for equifax.

        • Underlord on 14/03/2018 - 12:48

          @endolphin: Similar here.. My Equifax score is 726 but Experian score is 543

      • Samsungnote10 on 26/02/2018 - 13:58

        I have 11 enquires.
        About 1 this year 4 to 5 in 2017

        Last year i got 2x amex. Anz nab.
        Got rejected for virgin and st george
        Got approved for nab last month

        • antler on 26/02/2018 - 15:52

          NAB will approve anyone it seems. I had two rejections in the same month with other providers. Went to NAB hoping for another rejection, but got approved :-O

    • pandadude on 26/02/2018 - 17:48

      I had the same problem with Citi.

      I believe they are looking for high spending customers only.

    • Wonka on 26/02/2018 - 18:28

      https://www.citibank.com.au/aus/static/abt.htm

      This page lists the Citibank Partnerships - they provide the Citi and Virgin cards (amongst others)

    • donotuse on 09/03/2018 - 22:30
      +2

      When you apply for a credit product be it a credit card or home loan, they mostly consider your income and your ability to repay (serviceability) if you were given credit. It’s not just “credit score” or “credit history”. You may have a perfect score but if your income and serviceability don’t meet the banks’ criteria, you may not necessarily get credit.

  • nadan on 26/02/2018 - 12:17

    great timing, I closed my previous one on the 22/2/2017.

    • bohn on 26/02/2018 - 18:04

      how long did you keep the previous one? full year?

      • nadan on 26/02/2018 - 19:49

        Probably four months.
        Approved for this one already.

  • Lunarboogie on 26/02/2018 - 12:50

    I'm in a similar boat. I seem to always get accepted by Amex, NAB, Westpac and ANZ but for some reason I keep getting knocked by Citibank, Virgin and Macq Bank. It's terribly frustrating but after getting kyboshed twice in the last year by all 3 at least I know now where I stand. The funny thing is I used to have cards with all 3 as recently as 2 years ago. Perhaps they've wisened up and have marked me as a serial credit card churner!?

    • Samsungnote10 on 26/02/2018 - 12:57

      From what ive read macquarie are stupidly hard to deal and to get approved

      Yet their products are nothing special

      • Lunarboogie on 26/02/2018 - 13:37
        +1

        I agree. Poor product and poor points bonuses. The only exception for mine is their Hilton Card which grants automatic Honors Gold and a free night after spending $2000. And it's free. It's become somewhat of a holy grail for me….

        • spuderump on 26/02/2018 - 13:54

          I also have this deal, except for some reason they bumped me up to diamond lol

        • Samsungnote10 on 26/02/2018 - 13:55

          Is that $2000 in hotel spend or everyday spend?

        • starburstyellow on 26/02/2018 - 14:16

          @spuderump: after the 2k spend?

        • spuderump on 26/02/2018 - 14:43

          @starburstyellow: No idea, when mail came through from Hilton I was put on Diamond. Has been that way for over 12 months now.

        • starburstyellow on 26/02/2018 - 16:13

          @spuderump: wow nice. Might look at that next year March when my SPG/Marriott platinum runs out.

        • Wonka on 26/02/2018 - 18:30

          @spuderump: $40k spend in a year is the default qualifying amount

        • spuderump on 27/02/2018 - 13:31

          @Wonka: Did not even go close to that lol

  • buckster on 26/02/2018 - 13:19
    +2

    90k qantas points is pretty good for the $139 first year fee

    • JuryWheel on 26/02/2018 - 13:46
      -2

      Sell to TUVZ for $900 - profit

      • heal on 26/02/2018 - 16:31

        Why the negs. Tuvz is a family member. Part of the OzBargain family!

      • ninetyNineCents on 26/02/2018 - 18:31

        How can 90k qantas be worth $900 ?

        • JuryWheel on 26/02/2018 - 18:54
          +2

          Just search Tuvz on ozbargain - yeah, don’t understand the negs. See the forum thread, TUVZ is a great way to sell points

        • muncan on 26/02/2018 - 18:55

          When the buyer pays 1c/point

    • donotuse on 09/03/2018 - 22:37

      If you are a home loan advantage package customer you may be able to waive the annual fee altogether.

  • JuryWheel on 26/02/2018 - 13:46

    Tempted - i got the amex explorer recently and am now looking for a card for my wife - was planning on getting another explorer (referrer fee for me and 100k for her)

    • Wonka on 26/02/2018 - 18:31

      Curious if they will pay the refer fee for your Wife - given they asses the household income not just your personal income

      • JuryWheel on 26/02/2018 - 18:54

        Apparently it’s a done thing - rather then using a supplementary card

      • Porco Rosso on 15/03/2018 - 12:20

        Yes, they will. Did it last year, so personal exeperience :)

  • tunzafun001 on 26/02/2018 - 13:55

    Anyone tried the ole start an application, stop half way?

    • starburstyellow on 26/02/2018 - 14:14
      +1

      Care to elaborate? I don't get it.

    • dodgydarji on 26/02/2018 - 14:19

      I did.. got the reminder email 2 days later to prompt finishing it off. They were running a promo before where they waived the annual fee for the other Platinum card (60K points) but I did no receive this offer

  • nietzsche bargain on 26/02/2018 - 14:05
    +3

    If anyone else has accumulated a bunch of Qantas points with these offers and are thinking about how to use them, have a look into 'round the world' redemption, it's only 140,000 points for economy and 280,000 for business class and offer tonnes of flexibility and value particularly business class. I've taken over 1 million QFF points from credit card offers and found the rtw business awesome compared to single country redemptions

    • noyesmaybeok on 26/02/2018 - 14:12

      How long has that taken? You alone or you & partner?

      • nietzsche bargain on 26/02/2018 - 14:28

        Just me alone, about to get my partner in on the game this year. Doing about 3-5 cards per year

        • Spazmos on 26/02/2018 - 15:15

          do you lie on your application? seems to me that ever since i got a mortgage i've been getting knocked back on most credit card applications (probably 3 out of 4 apps)… even though i easily meet all minimum income requirements, i always pay off my closing balances each month and never late on repayments on the cards I do manage to get… I used to be able to get the ANZ black cards in the past but they rejected me recently which I find ridiculous…

        • jdogg on 26/02/2018 - 15:20

          Still have to pay an annual fee for the cards albeit a reduced one.

        • nietzsche bargain on 26/02/2018 - 16:00

          @Spazmos: I'm probably a little bit optimistic on my monthly living expenses spend, and the split of mortgage that I'm responsible for.

        • nietzsche bargain on 26/02/2018 - 16:06

          @jdogg:

          Yes but for me it's just a mathematical equation of what each point is worth to me. At one extreme the face value of of a rtw business ticket can be $20K+ (I went to quite a few continents on some nice airlines like Qatar), then there is the question is how much cash would I actually pay for it. I end up being happy to apply for ANY credit card as long as the net cost /points (cost net of any flight credit, or previously saleable Qantas lounge pass) is low enough ~0.5c in my case.

        • DogGunn on 26/02/2018 - 16:22

          Just so you know, credit reporting has changed (come May). Banks must now report how long cards are opened for and when they are closed.

          The cc switch game will probably slow down a bit.

        • Wonka on 26/02/2018 - 18:33

          @Spazmos: Do you close your old cards or has your overall available balance gone up significantly?

        • Spazmos on 27/02/2018 - 10:02

          @Wonka: Yep I close down my cards once I receive the all bonus points

        • dinob7 on 27/02/2018 - 13:51

          @DogGunn: For people who cut cards before switching and applying for new ones, won't the new credit reporting actually help? Because banks will now see that I am not accumulating too many credit cards, i.e. I can't accumulate too much debt because I have less active cards in hand?

          I have had credit enquiries in the past where I didn't actually push through with the card, but felt like it hurt my future applications because other banks didn't know whether I actually got the card or not or if they were still active or not.

    • Jayjay93 on 26/02/2018 - 15:48

      Do you know how are you supposed to book rtw ticket for 280k for business class?

      Tried from their "Points Calculator", got a rate at 280k points (Class: Business Flights: oneworld Award (Zone 10)), then when I click on "book", it only redirects me to their qantas website.

    • muncan on 26/02/2018 - 15:55
      +1

      Shall try to convince the Mrs to redeem RTW next time.
      We recently burned 780,000 points for First to Europe.
      So it will be a while before we can redeem again!

      • nietzsche bargain on 26/02/2018 - 15:58

        Nice! which airlines did you go? I find the incremental cost of RTW (36% on top of your trip) to be so little relative to the value! You could have visited another 3 continents in First =P

        • muncan on 26/02/2018 - 17:19
          +1

          6x Emirates A380s, but 2 months till we begin.
          Emirates isn’t part of OneWorld so there’s that.

    • ChurchMouth on 16/04/2018 - 19:15

      Plus taxes paid in cash?

      • nietzsche bargain on 16/04/2018 - 22:43

        Yes, which can vary quite a bit depending on what airline/country you fly through. London/BA was particularly a rip off.

  • rogueentity on 26/02/2018 - 14:25

    Which programme/bonus be the best value for money for me if I want to travel from Sydney to London (Return)?

    • daft009 on 26/02/2018 - 16:39

      Krisflyer in my opinion

  • flyingmouse on 26/02/2018 - 15:12

    What is income requirement, would be $75000?

    • TheDolphin on 26/02/2018 - 16:24

      yes $75k I just checked with them

      • flyingmouse on 26/02/2018 - 16:52
        +2

        Thanks, too poor to apply.

        • TheDolphin on 26/02/2018 - 16:56

          yeah me too but if you are able to apply for a joint account they will add your incomes together

  • lovepub on 26/02/2018 - 16:08

    Looks better than the Qantas signature deal

  • Dicci on 26/02/2018 - 16:20

    Declined for me - not sure why as I have never been declined one of these CC offers…

    Is there any way to find out why you've been declined by contacting St George or would that be a waste of time?

    Assuming I would have little luck with the Bank of Melb and BankSA offers currently as they are all "Amplify" cards

    • daft009 on 26/02/2018 - 16:44

      i was similar.

      Never been knocked back by anyone except St George.
      Rang them etc and they were very helpful but couldn't give a definite answer on why.
      Just said to try again in 6-12months.

  • ViperAMD on 26/02/2018 - 17:29

    My only probably is the 5k minimum spend, just got back from a ski trip and i'm poor!

    Does anybody know if depositing into an online betting site would count as a cash advance? If so pretty easy to do some arbitrage to get the spend up.

    • Wootwootwoot on 26/02/2018 - 22:12
      +1

      it would be cash advance

  • ninetyNineCents on 26/02/2018 - 18:33

    What are the best ways to "cash" or get value for the 90k qantas points ?

    • lovepub on 26/02/2018 - 18:43

      90k not enough points….Wash and repeat till you get 500k points then you can go around the world using po8ntz

      • ViperAMD on 26/02/2018 - 18:46

        Agree, alternatively you could sell points here for 1cpp, so 90k would be equal to $900. But yeah round the world trip seems like the best option. This itinerary looks sick.

  • handel on 26/02/2018 - 20:19

    Guys when do you actually get your points with the St George Cards?

    I just did one of the ANZ FF cards and got the points credited in about 4 months. I'm sure I read somewhere that with other cards like the Amplify they try and get one over on you by not giving you the bonus until the 1yr card renewal date. Is that true or rubbish? Any first-hand experiences?

    • stevtom27 on 27/02/2018 - 20:09

      Usually within 12 weeks of meeting spend criteria

  • demki on 26/02/2018 - 22:03

    Anyone know the min min income for the Amplify Platinum?

  • Homr on 26/02/2018 - 22:21

    I was about to sign up for the Westpac Altitude Black

    https://www.ozbargain.com.au/node/362735

    But this one seems way better at only $139 annual fee. Anything I need to beware of before signing up for this??

  • keithality on 26/02/2018 - 22:45

    Can anyone comment on the lounge passes your receive - are they the standard Qantas club lounge passes you receive in the mail or is it through the (not as decent) priority pass program?

  • dinob7 on 27/02/2018 - 01:30

    Will charges paid to the Australian government (to pay for a visa) be counted towards the minimum spend?

  • dinob7 on 27/02/2018 - 01:37

    Also, I had just gotten a Qantas Premier credit card. If I apply for this card, will Citibank be likely to turn down the application?

    • lovepub on 27/02/2018 - 10:18

      I intend to apply for both. Worse case you get rejected both….But depends on how you fake your income payslips

      • Homr on 27/02/2018 - 11:22
        +1

        It's worst than that. You get rejected for both AND also you will have your credit score impacted which will affect your future credit applications

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