This was posted 1 year 1 month 15 days ago, and might be an out-dated deal.

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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

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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 (1767 clicks)
Last edited 27/03/2023 - 19:15 by 2 other users

Read more
PointHacks: https://www.pointhacks.com.au/credit-cards/stgeorge-amplify-…
St. George: https://www.stgeorge.com.au/personal/credit-cards/affiliate/…

  • 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

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closed Comments

      • strongzero on 27/03/2023 - 00:13
        -1

        My approach is purely churning. Points from spending are merely a bonus. I think the citi cards are probably the most compelling card (solely due to pay all, and the ability to generate free points every month). I also think that it is important to diversify your point collecting e.g. not just KF and VF but QFF too. A couple of months ago people were up in arms about the lack of QFF award seats available but now there seems to be more QF award seats available then there is with Virgin and SQ.

        I actually don’t think SQ represent the greatest value compared to velocity or even Qantas sometimes.

        Recently SQ has really limited saver awards out of australia to Singapore and it is only the expensive advantage awards. Meanwhile with velocity there is actually quite a few saver fares on SQ metal that are only available as advantage through SQ.

        I try to open and close an account as quick as possible. because whilst I mentioned that points are just a bonus, I want to put all my spending on my highest point earning card, especially a card that has the most flexibility with points redemptions(amex). As if you got book and all you have is velocity or kf points (amplify) you’re completely locked out from other redemptions.

        I should also mention that if you have a sq f award in mind then earning KF miles is the best/only option.

        But I think that 75k for 200 bucks and a 12k spend vs no spend and 100kish points for 350 with citi prestige is a much better option.

        • strongzero on 27/03/2023 - 00:17
          -1

          Citi prestige also has the added bonus of having Asia miles as a transfer partner. They have pretty good redemption for one world carriers and even a QF business ticket can often be 8-10k less points than booking through QFF

          • zan5hin on 27/03/2023 - 01:07
            +1

            @strongzero: Sounds good but Citi declined my application, 100k salary and no other credit cards.

            • Autonomic on 27/03/2023 - 12:32

              @zan5hin: You could call up and ask for a review. Works out sometimes.

          • nightelves on 27/03/2023 - 02:16
            +1

            @strongzero: Their taxes are high though

            • strongzero on 27/03/2023 - 08:31
              -1

              @nightelves: True, but I’d rather pay a bit more in f&t to have availability for saver awards than pay a lot more in points and low saver award availability. Plus if you want to pay for the whole thing with points on velocity you can, it just works out to cost a similar amount to the advantage award (in point) terms.

        • zan5hin on 27/03/2023 - 01:06
          +1

          I've found what you said about limited saver awards to be true.

          I flew biz on SQ points in 2022 Melb to Jakarta via SIN.

          Came back using VF miles - economy ticket in SQ metal.

          I've booked ster alliance RTW using 250k SQ miles but it was a such a struggle to meet the rules, never again. I won't focus on SQ miles anymore. Maybe back to Oneworld AAmiles and focus on Virgin.

          • strongzero on 27/03/2023 - 01:20
            -1

            @zan5hin: Have you applied for the velocity card (citi issued)

            if you activate the offer on the velocity app it’s 100k + 30k bonus vff points for a 64 dollar annual fee.

            Alternatively there’s the Westpac altitude card through the same link.

            • zan5hin on 27/03/2023 - 21:30
              +1

              @strongzero: Citi already rejected me once recently, I am concerned about trying again. I might buy my first apartment in two weeks, can't have any credit damage right now. After I get the mortgage, no worries.

              • strongzero on 27/03/2023 - 22:01

                @zan5hin: Yeah that’s a fair point. I’ve noticed they’ve been heavy on the auto rejections for their private label card recently- if you’ve been rejected for a main citi card.( As mentioned further up in this thread). I will be keeping clear or citi for a while, instead I may give HSBC and/or commbank a spin.

                I’ve heard both are a pain in the proverbial with the application. But hsbc seems to have a decent array of transfer partners and combank has the best array of transfer partners in australia. Albeit a dismal points earn. Still worth it though imo.

    • Chickenleg on 26/03/2023 - 23:21

      Any chance you know of any other cards that would be best to churn from that one if I want to continue collecting Krisflyer?

      • strongzero on 27/03/2023 - 00:15
        +2

        I think Citi prestige, and max out the pay all.

        • NoApostrophePlurals on 27/03/2023 - 13:13

          How are you maxing out $35,000 a month!!

          • strongzero on 27/03/2023 - 13:21

            @NoApostrophePlurals: Search PayAll on ozb, and you’ll see that you can pay yourself 20k a month. (Credit limit permitting).

            • strongzero on 27/03/2023 - 13:25

              @strongzero: I should mention, I do not have the prestige (declined, probably due to nabs anti churning practices). But I do have a citi product with pay all.

          • hawkeye93 on 27/03/2023 - 15:32

            @NoApostrophePlurals: Used to be 35k, now only 20k. You can use Citi Payall to pay to your own bank account and still getting 20k points each month easily.

      • zan5hin on 27/03/2023 - 21:31

        Any Amex cards although the miles on offer are.lower than before (Amex explorer)

        • Chickenleg on 27/03/2023 - 22:48

          Yeh i already have an Explorer card as a backup 👍🏽

  • vetopower on 26/03/2023 - 21:56
    +2

    First NAB, now St George taking steps to stop churning. Very disappointing.

    • LowHangingFruit on 27/03/2023 - 09:49
      +2

      Since NAB acquired Citi's credit card business, my new credit card applications for Virgin Velocity and AMP platinum have all been declined immediately. No enquiries noted on my credit file. NAB is taking drastic actions to clamp down on credit card churners. Question is whether they can keep doing that without hurting the volume of new card issuance.

      • zan5hin on 27/03/2023 - 21:32
        +1

        I wish someone would create an article or blog or wiki to track all this, who owns what card brands, who you should not apply with,etc.

  • odysseus on 26/03/2023 - 22:23
    +3

    Not seeing the deal here. $200 for only 75 k points -and you need 12k spend for that, which is the highest I’ve seen.

  • cheaptech20 on 26/03/2023 - 22:23

    I applied and was approved with a card within 2 weeks. Slow but no work on my end besides the pay slips.

  • tsunamisurfer on 26/03/2023 - 23:04
    +3

    I had this card for 11 months and 2 weeks.

    The previous deal was good because I got Kayo for 12 months free.

    However St George made the application experience so terrible I was just going to give up.

    At each stage they said there was an issue with the documentation around my income, I provided bank statements (rejected as BankWest provide Quarterly statements so not up to date), out of desperation I provided screenshots of my income also rejected. In the end I got it sorted.

    Then there was my Credit Card history.

    I was honest about my monthly spend and repayments. I told them I had ~$4k month expenses and and I cleared the balance without fail (with evidence).

    The officer said based on this we think your repayments are too high (NOT your expenses, your repayments).

    I had enough and said fine, but then he asked how much is my MINIMUM repayment amount on my CC, I said $70. He said thats the amount that should be disclosed and would make it approved.

    So if I pay off my balance each month I will get rejected. If I pay the minimum and be $4k in arrears each month I get accepted. Meaning I would be screwed in less than 3 months.

    I have worked at banks most my life including in the credit modelling space and I have never seen this crap before.

    I just DGAF at that stage and said $70.

  • deepakkumar1983 on 27/03/2023 - 01:17

    Applied. Fingers X!

    • deepakkumar1983 on 27/03/2023 - 01:18

      Condition approval came right away. But that's meaningless!

      • vawiyoci on 27/03/2023 - 10:43
        +1

        Nah if it's not instant decline (or radio silence ala AMEX lol) then you should be good, conditional approval just means they might call you up or not even that and simply need uploads of income docs for verification and that's it.

  • Drakesy on 27/03/2023 - 09:48
    +1

    spend a minimum of $12,000 on eligible purchases within the first 12 months

    Lol no ty.

    Would rather churn 4 x cards for the same.

  • [Deactivated] on 27/03/2023 - 12:09

    st george has always been one of the easiest churns for me. i keep a bank account with them open that i never use just for the reduced first year annual fee, their approval process seems to give "is an existing customer" some weight too?

    same thing with westpac (who owns them)

    • WhatsTheBigDeal on 22/04/2023 - 08:33

      have you ever requested for pro-rata annual fee refund?

  • Westpac on 27/03/2023 - 13:39

    This is not a good deal. Hard pass

    • whyisave on 27/03/2023 - 15:23

      Username checks out

      • [Deactivated] on 30/03/2023 - 21:10

        westpac own st george

  • ninnypoop on 30/03/2023 - 08:42

    Is this a decent option for a first time credit card? Not overly fussed with churning but keen to make use of the money I spend

    • cheaptech20 on 31/03/2023 - 17:58
      +1

      In my opinion, not unless your budgeted expenses per year exceed 12k anyway.
      Worst outcome is if your first card MAKES you overspend.

      • ninnypoop on 01/04/2023 - 09:22
        +1

        Good point to consider. Thanks

        • cheaptech20 on 01/04/2023 - 09:53
          +1

          Depending on your income, expenses, whether you travel a lot etc there's a lot of choices.
          Lower incomes I would get the no fee card options, middle to higher incomes start to look at the ones with perks. Then choose the perks based on your needs - fly a lot? then get lounge access and FF points, don't travel? Get one like this

    • hawkeye93 on 31/03/2023 - 20:57

      Citibank Prestige would be better.

      • ninnypoop on 01/04/2023 - 09:22

        I'll check it out. Thanks.

  • hawkeye93 on 30/03/2023 - 12:41
    +1

    My experience with both St George and Westpac is pretty good. Turnaround is 2 days.

    Westpac Altitude Velocity: applied on Sunday, send 2 payslips on Monday, approved on Tuesday.
    St George Amplify Signature: applied and send 2 payslips on Tuesday, approved earlier today.

  • vpn14 on 29/06/2023 - 11:23
    +1

    If anyone planning to transfer the points to Krisflyer, do it before 31st July to enjoy 2 Amplify points to 1 Krisflyer conversion rate. After that it is going to be 3 Amplify points to 1 KrisFlyer. I have just received a letter from St.George

    • knobbs on 29/06/2023 - 12:02
      +1

      Gotta love banks wording, "Enjoy" the standard rate before we cuck it

    • whyisave on 29/06/2023 - 12:34

      Thanks for the reminder.

      I saw the Krisflyer conversion last month,
      and I was contemplating transferring it to KF myself, instead of VFF,
      but sometimes the availability of SQ award flights is not as much.

  • jscan on 30/06/2023 - 15:18

    Just saw the Krisflyer redemption change, transferring out 114k points now & will close the card.

    St George had such a great fast & efficient application process compared to ANZ + Westpac (Funny given they own St George)

    I'm almost sad to close this one, but I'm a true churner at heart.

  • caustic birch on 01/07/2023 - 17:41

    How fast do the points come after meeting minimum spend? Hoping to get in and transfer before they kill the KF redemption rate

    Edit: a couple days according to the AFF forum

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