Introductory Offer: 0% p.a. on purchases for 14 months
Choose between Qantas Frequent Flyer or Amplify points programs
Uncapped points earn rate
3% Foreign Transaction Fee
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 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.
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).
The reviewer stated that an incentive was offered for this review
- St.George Amplify Rewards
- Verified customer
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 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 t...he 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 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.
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.
The reviewer stated that an incentive was offered for this review
Made a Complaint re Travel Insurance Provided With SG Credit Cards and They Responded With Thank You
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.
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?
The worse application process I've ever experienced, a total waste of my time
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.
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 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.
- Verified customer
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, 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 a...ssets 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 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 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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