St.George Amplify
23 reviews
AI run disputed transaction dept offshore is incompetent. Stay away from St George Amplitude Visa. After a disputed transaction I reported that could have been quickly acted on by a half competent human I reported received daily computer generated… Read more
emails asking for precisely the info I had already sent them multiple times. When I spoke to the offshore disputed transactions team 3 times they wasted hours of my time before sudden disconnections so I had to start again. Then I received an email saying that I reported my card as stolen! This company is as bad as it gets- AVOID ST GEORGE BANK, IN PARTICULAR THEIR CREDIT CARDS, AT ALL COSTS!
Follow-up · I received a follow up call from another offshore agent who again was completely untrained and unable to do anything or understand anything. Another hour wasted. I’m dumping St George visa and will never use St George for any type of banking/finance
Application process is horrible. I tried to get a balance transfer credit card. To clear off some others and try and get ahead. Because it is very hard at the moment. Completed application, 3 days later receive missed call ( was at work). Can not contact after 5 pm. Rang back next day. On hold 40min. Was then advised needed to update information… Read more
because I was a previous customer. Updated information. Received another missed call. Rang back next day. Exact same questions were asked. Then was told application was withdrawn. Why? Because you need to go to a branch and update your mobile number. I’ve had this mobile for 30 years. But you just updated my address and email address. Sorry about this. What a waste of time and effort. No wonder your bank gets such bad reviews.
Complementary insurance is a con – Have paid the higher premium on this card for multiple years for the added benefit of travel insurance, and have booked trips on the card accordingly. My one and only insurance claim was recently rejected with the smug explanation that my cancelled flight wasn’t ‘interstate’, neglecting the fact that I the cancelled flight was a connecting flight… Read more
from an immediately preceding INTERSTATE flight. Both flights were on the same reservation, with the same airline, with bags checked through to the final destination - ie very much an ‘interstate flight’. There is no direct flight from my state; regardless, it is commonplace for a flight between locations to involve a layover. This is just another insincere insurance company using any excuse they can to avoid paying out. The claims letter detailing the outcome read as though a 10 year old wrote it, disjointed and unprofessional. Of course I disputed the claim, wasting both my and their time. This resulted in them agreeing to pay a partial benefit (without explanation as to why, not any sort of apology for their initial error), and upon further questioning suddenly they agreed to pay the full claim (again, without acknowledgement or apology) This experience has cause me to regret paying the premium on this card for 5 years and subsequently close my account. The ‘complementary’ insurance is highly unsatisfactory and frankly a rip off. They are relying on people’s ignorance, or lack of time and persistence to dispute (deliberately?) incorrect and erroneous decisions on their part.
I have cancelled my St George card and account, and will steer clear of both St George and Alliance at all costs in the future.
$300 for trip cancellation – I booked business class trip. As I am not able to make it, I was charged $300 cancelation fee. What is it have they done to charge me $300. On top I had to pay airline company cancellation fee if $600. If I was to book flight directly through air amirates, I wouldn’t have this issue. $300. I feel like I was robed. Customer service not of the greatest also. No emphasis to the customer. I feel like I was talking to robots. Show details
Gift card expiry - BEWARE!! – Universal gift cards have a limited time frame to activate and use. Money is forfeited to the company with no option to redeem. Show details
Painful bank - stay away – ive sent documents 5 times now and theyre still requesting the same information.
endless waiting – Applied for one and went to the bank to verify the ID. The bank manager also called the credit card department, everything seems fine. After three weeks passed, still have not received the card, just the message asked me to go to the near branch again. Decided to withdraw and apply for a credit card elsewhere.
Frustrating credit card approval process – I applied for a low interest credit card and submitted it successfully along with all my financial details. However, the system asked me to go to a branch to verify my ID. I went there and completed it. Then I received a call from their office saying the branch did not do it properly so I have to go there again! Although extremely frustrated, I… Read more
was planning to go the following week. Then I received another call from then saying I need to provide further evidence of my new home construction loan, which I have already submitted.
Such a frustrating, lengthy and inefficient credit card approval process. I have asked them to cancel my application as I really don’t have time for their ridiculous and illogical requests. I have just wasted my time and energy for a $5K credit card! Definitely not worth.
unreliable – Don't expect sign on bonus points to be applied in a hurry, after two and a half years i have only received half of the points. after contacting St George i was told it can take up to three years .
Painful application process – I have applied for this card in Dec 2020 due to good bonus points offer. During the approval process I have received multiple requests for more information. I even went to the branch to make sure everything was OK. Still no information. After numerous attempts, it took nearly 3 weeks for this to be approved. I have then requested for an additional… Read more
card for my partner. He had to also go to the branch to verify his identification. After two weeks there was no communication so I called up to inquire about the status of the cardholder, I got told that they cannot give me the status and my partner needs to call. This seemed a little strange as I am the primary cardholder making the request. I gave up on the additional card at this point. The bonus points also took 3-4 months after the initial 3 months period was over. Card is pretty good other than what is mentioned above, but I don't think I can ever apply for another St George card as the first process was just too painful!
Bonus points take forever to be credited – Fulfilled the spending criteria for the bonus points 3 months ago but still waiting for them to be credited to Qantas account. Very arbitrary and lacking transparency the crediting timeline (within 12 weeks). Not ideal if you want to use the bonus points to actual buy an airfare within a reasonable timeframe of having met the points criteria. Show details
Totally waste of time – Got emails and SMS that I was approved at the end of June, but never receive the card. Called customer centre a couple of times, and they just said I was approved and will receive it within 7 days. I even went to their branch 3 weeks ago, they examined my ID and said everything done. Today I called again to customer centre, they transferred me… Read more
through 3 staffs, the first 2 said I was approved plz wait, finally the last staff said my application was closed, for no reason! How can I trust this bank?
Poor Customer Service – I recently applied for the latest St George Amplify credit card. Two weeks later and I'm still not approved despite plenty of assets and a very good credit rating. I call to check progress, then informed we need a particular loan statement. I then upload and don't hear anything. I call back again to check progress, then informed we need a… Read more
separate loan statement. This has continued 4 times so far and if I wasnt the one calling to check progress it wouldn't not be progressing at all.
Worst credit card application/customer service I have dealt with to date. Today I called again. Line cut out. No phone call back or nothing.
I have not been declined by St George, it just their complete lack of customer service and the time it takes to approve something. I have no doubt it will be approved but HOW LONG SERIOUSLY.
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Great way of keep track of expenses – I have this credit card when I have home loan with St George 7 years ago so I don't need to pay any fees for it. I use it for everyday expenses and I have an additional card for my son as well. I pay off the balance every month so I don't need to pay any interest. The points I get from it I can redeem them with a $50 Westfield Gift card ( normally takes me about 10 months to get one). Show details
Great bonus points – I recently signed up for this card due to the offer of bonus points (after hitting a spend limit and time limit.) The points were available to the day and the promised bonuses (lounge passes) processing was explained and completed as instructed - making it super helpful and easy process. I find the website a little clunky but their customer… Read more
services is fantastic and they provide the products/bonuses they promised. Pretty reasonable yearly rate considering the bonus points. I do my homework on what cards are offering at certain times to find the best deal to suit my Frequent Flyer program and this suited me well.
As with any credit card always be aware of high fees but I make sure that I pay down as soon as possible and this is no problem. I find them a really good company to work with and can't fault them.
No points transferred after 6 months of application approval – This is the first credit card that has prevented points from transferring to my Qantas account due to a discrepancy with my middle name. My first and surname is the same on both accounts, but due to having 2 middle names the points are constantly being withheld. I've called customer service 3 times about this and they have still failed to come up… Read more
with a solution. I was told to call Qantas frequent flyers only to be told that it is the bank that is holding up the transfer. Additionally, the points are only transferred once a month, so if it does not go through, I need to wait a month to 'see' if whatever the customer consultant has done was effective in rectifying the situation. I have had multiple credit cards in the past and this has not been an issue whether or not my middle name is listed on the card (not necessarily matching up with my Qantas account name) Not keen on continuing on with the card if this issue is not resolved.
Redeeming points cannot be faulted! – I have redeemed points on 2 occasions for valuable products over the past year. First was for overseas flights, which was easy to book and good choices of carriers, much like any other booking platform. The second and latest was for high quality headphones, which arrived in 2 working days, as ordered. Show details
Good for balance transfer – The balance transfer meant I had to go into a branch which was slightly inconvenient, but everything else about it was easy. I don’t use it for anything else like points or rewards, I just pay it off and find it to be simple and hassle free with a fairly low interest rate. Show details
Terrible customer service – Constant issues each month with the direct debit payment. We have to ring up St George each month and they still can't work out how to get the direct debit to work. Very frustrating. How hard is it to debit a bank account to pay the credit card, isn't that the most basic thing for a bank to set up?
Terrible Application process via the Phillipines – Process for application cumbersome. You deal with the Philipines. You ring the Phillipines they say yes we received notice of assessment and bank statements. Then they send an email saying docs not received. Utterly hopeless. Amex business card has an efficient streamlined process. Stay away from St George and its Phillipines service staff that… Read more
you cannot get a sensible response from and is our data safe in the Phillipines. After a drawn out process I receive an SMS saying I cancelled application which I did not. A very disturbing bank one can only imagine what else is going on. Is the Royal Commission looking at St George? Maybe they should.
Non Stated Criteria / Non-Transparency in Applicant Credit Assessment – My major comment on this product was the extremely poor product application experience with unsatisfying application assessment procedures . Firstly, the online application contained very unclear criteria for stating income. It was impossible to interpret how to match the income amount in dollars to the period of income - weekly, monthly,… Read more
fortnightly monthly or annually. Secondly, the auto -application assessment criteria , opaque to put i mildly, are clearly not in favour of any applicant with high income (>$150K p.a after-tax), extensive assets and zero debt. Yes i know - incredible and ridiculous at that may seem in a financial credit -based product! After a rather unhappy call to their customer service agent, where i was given no cogent or justifiable reason for being denied a credit card , apart from the scripted response: 'you do not meet the banks' credit assessment / lending criteria' (i wonder who would or does?) , I escalated to client manager , who similarly refused to provide a defensible or genuine reason for denying the application (same 'stock' response). I now will take a guess at their assessment criteria.
I have held a couple of credit cards in the past, including frequent flyer awards cards with bonus points, from a couple of other banks (not St George - i have never been a customer). I was diligent in paying all balances on time. I did receive sign-on bonus Qantas points on one of these. I paid off and cancelled these cards recently. I believe they look at applicant's past credit card accounts, and regardless of creditworthiness or payment history , refuse applicants who have been 'shopping' around for or holding for credit card deals with attached frequent flyer points offers in the past. Be that as it may, they continue to offer these cards and special deals , so why wouldn't credit- worthy individuals apply for them? I believe it is verging on misleading and deceptive conduct to advertise or promote these bonus frequent flyer credit deals without clearly stating any hidden restrictions that apply. I am tempted to lodge a complaint with FOS. The only advertised restrictive term of the offer is: "Existing St. George/BankSA/Bank of Melbourne 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." I do not meet this excluding condition. Be warned!
Have to send 30% more than you would on an Amex to get the same reward – I have one for business which is on my personal name and I typically are putting between $3000 and $5000 on every month minimum. Rewards on this cards are 30% more expensive than an Amex card. Flight rewards are not as flexible as Amex and finding a decent hotel on the rewards site is a joke, and when you find it's a ridiculous price. Normally… Read more
100 points is worth $1 but on this cards it's 130 to 150 to $1. Cheap annual free that's all Rewards not as good as ANZ and Amex
$79 annual fee is hardly value for money – Have had this card for almost 2 years, nothing special with card aside from a reward program (which is no different from many other card providers). I've contacted customer service a number of times, and on all occasions, it is easy to get through to a real human who understands English, able to answer questions. My real gripe is the bank's… Read more
refusal to waive a $79 annual fee on the ground that the bank is providing a 'service'. Given that other banks are offering card for no fees (at least for the 1st year in many cases), and are prepared to waive the fees in certain cases, this certainly set this card apart for the wrong reason in my view. Easy to reach customer service Expensive - annual fee of $79 for what?
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