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St.George Amplify
2.1 from 13 reviews

See the Best Balance Transfer Credit Cards in 2019 as rated by Australians on ProductReview.com.au.

Pros

  • Introductory Offer: 0% p.a. on purchases for 14 months

  • Choose between Qantas Frequent Flyer or Amplify points programs

  • Uncapped points earn rate

Cons

  • 3% Foreign Transaction Fee

Reviews

Review distribution

5 star
2
4 star
0
3 star
2
2 star
2
1 star
7

Winnie

WinnieSydney, NSW

  • 5 reviews
  • 13 likes

Poor Customer Service

published
Customer Service
Online Experience
Application Process
Main Point of ContactPhone
See all answers

Alice

AliceSydney, NSW

  • 3 reviews

Great way of keep track of expenses

published

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).

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateNovember 2012
Main Point of ContactPhone
Card / Account Used ForEveryday Expenses and Online Shopping
See all answers

The reviewer stated that an incentive was offered for this review

Sculls

ScullsGreater Melbourne (Metropolitan), VIC

  • 12 reviews
  • 1 like

Great bonus points

published
Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateJune 2019
Main Point of ContactOnline
Card / Account Used ForEveryday Expenses, Online Shopping and Special Purchases
See all answers
Frantic Mover

Frantic MoverHunter Region, NSW

  • 4 reviews

No points transferred after 6 months of application approval

published
Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateFebruary 2019
Main Point of ContactPhone
Card / Account Used ForEveryday Expenses
See all answers

Simon B

Simon BNewport

  • 6 reviews
  • 8 likes

Redeeming points cannot be faulted!

published

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.

Rates and Fees
Online Experience
Application Process
Card Start DateJanuary 2010
Card / Account Used ForEveryday Expenses, Online Shopping and Overseas/Travel
See all answers

Nikita

NikitaBrisbane

  • 2 reviews

Good for balance transfer

published

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.

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateJanuary 2018
Main Point of ContactPhone
Card / Account Used ForSpecial Purchases
See all answers

The reviewer stated that an incentive was offered for this review


TripperKate

TripperKateAustralia

  • 16 reviews
  • 22 likes

Made a Complaint re Travel Insurance Provided With SG Credit Cards and They Responded With Thank You

published

For the first time ever I had reason to seek assistance on my travel insurance provided through St George Bank. I have separately complained to the insurer. I lodged a complaint with St George, and also noted the negative findings on the insurer by the Royal Commission. I got a response back thanking me for my feedback; it was their aim to improve customer service. No St George, you sell your credit card on this insurance, it was not feedback, it was a severe complaint. Fix it, or don't sell it, or change providers.

5 comments
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Frustrated

FrustratedPerth

  • 4 reviews
  • 5 likes

Terrible customer service

published

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?

Craig

CraigSydney

The worse application process I've ever experienced, a total waste of my time

published

I applied with my wife back in spring and the whole process was a nightmare, we sent documents as requested and we were bombarded with sms messages asking us to resend the documents as they hadn't received them. This went on for weeks and weeks as we sent attachments from multiple email accounts and devices in various formats but their systems clearly had a glitch, for which they eventually apologised.

We were persuaded to try again recently as we were assured the technical issues had been fixed and yet the same problems are occurring again!

I've never experienced anything like this before, totally incompetent and an appalling customer experience, don't waste your time.

Law and order

Law and order

  • 2 reviews
  • 2 likes

Terrible Application process via the Phillipines

published

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 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.


RogC

RogCSydney, NSW

  • 3 reviews
  • Verified customer

Non Stated Criteria / Non-Transparency in Applicant Credit Assessment

published

Williamsont1981

Williamsont1981AU

  • 4 reviews
  • 4 likes

Have to send 30% more than you would on an Amex to get the same reward

published

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 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

published

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 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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