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St.George Amplify Signature

St.George Amplify Signature

Amplify Rewards and Qantas Frequent Flyer
3.8 from 8 reviews

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

Details

St.George Amplify Signature - Amplify RewardsSt.George Amplify Signature - Qantas Frequent Flyer
CategoryBalance Transfer Credit Cards and Rewards Credit CardsBalance Transfer Credit Cards and Rewards Credit Cards
Card TypeVisaVisa
BenefitsReduced First Year Annual Fee and Sign-Up Bonus Points OfferReduced First Year Annual Fee and Sign-Up Bonus Points Offer
Minimum Credit Limit$15,000$15,000
Minimum Repayments2%2%
Rewards ProgramAmplify RewardsQantas Frequent Flyer
Contactless PaymentsGoogle Pay and Samsung PayGoogle Pay
Rates & Fees
Purchase Rate19.74% p.a.19.74% p.a.
Late Payment Fee$15$15
Annual Fee$279 p.a.$279 p.a.
Interest Free Period 55 days55 days
Cash Advance Rate21.49% p.a.21.49% p.a.
Introductory Offers
Sign-Up Bonus Receive 200,000 Bonus Amplify Points (100,000 Bonus Points when you spend at least $12,000 each year for 2 years)Receive 90,000 bonus Qantas points whe you spend at least $4000 within 90 days of card approval.
Reduced First Year Annual Fee $179.00$179.00
Balance Transfer Rates
Balance Transfer Period 6 months6 months
Balance Transfer Rate 0% p.a.0% p.a.
Balance Transfer Fee 0%0%

I love their mobile app

I was never a st george customer until they rolled out the Amplify Signature credit card with bonus Qantas flyers points, I absolute love the auto categorise features that comes with the app! Though it's not always 100% accurate, but it gives you a good ball park figure on what have you spent etc. Customer service is good too!

Transparency
Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateNovember 2018
Main Point of ContactOnline
Card / Account Used ForEveryday Expenses

Great customer service

Use this card for my everyday purchases. I find the online app easy to use to pay off the balance on time. I've spoken with customer service about the card and the experience was pleasant. Have it linked to qantas frequent flyer points and have found they come across as expected, sometimes it's just a little delayed. Overall no issues, just a very easy card to use.

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

So far So good

Application process was easy, good part is no annual fee for first year and you can balance transfer from other cards without incurring any fee and also get interest free days. So far so good, haven’t dealt with customer support yet but time will tell.

Application Process
Card Start DateApril 2019
Card / Account Used ForEveryday Expenses

Not going to finalize review until sign-on bonus QFF points are credited

Applied for the card and was eventually approved many many months later due to IT glitches in St George Banks IT systems, annual fee deducted almost immediately despite the card being advertised as fee free for the first year, rang and got this annual fee reversed. Will update review once the sign on bonus Qantas Frequent Flyer points are actually credited after the min spen requirement was met.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateMarch 2019
Main Point of ContactPhone
Card / Account Used ForEveryday Expenses

Its ok

Not recommended to use overseas as attract OT fees.
Great with Qantas bonus points and lounge passes. However annual fee is high. Free first year annual fee waiver is great. Other con is it take ages to transfer points to Qantas account. Mine took 3 months exactly .although it says up to 3 months

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateJanuary 2019
Main Point of ContactPhone
Card / Account Used ForEveryday Expenses and Online Shopping

Pretty good

Good things about it:
- Easy to use
- Paywave
- Relatively good amount of points
- I have a $0 first year annual fee promotion

Less great things about it:
- App slightly hard to use
- Had to collect it from store physically

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Card Start DateApril 2019
Main Point of ContactPhone
Card / Account Used ForEveryday Expenses

Also Same As Banksa Amplify Signature

I was offered a Amplify Rewards credit card from BankSA (part of St George) with no annual fee and $15k limit. Choice of Amplify Rewards or Qantas points. I find it quite good as I never pay any interest as I pay off the balance each month. The Rewards are quite good too. Hubby needed a new shaver and it didn't take me long to rack up the point to buy same. Similar type of rewards as Flybuys. Customer service exceptional in my opinion.

Transparency
Customer Service
Rates and Fees
Rewards
Online Experience
Application Process
Main Point of ContactPhone
Card / Account Used ForEveryday Expenses

Application process inefficient

Applied for St.George Amplify Signature on-line which got declined, so rang customer service, and was advised reason being salary was not sufficient. When I asked what is the base salary required, the call center rep had no idea. This was really a poor process, as the application wasted my time, I provided confidential data, and I did not get any answer at the end.
Suggestion: Similar to other banks, in the online portal, the criteria for application should be specified, with something like 'Proof of minimum income of X amount should be provided', this way the customer does not waste time applying and don't expose all his/her personal details such as salary, DOB, license, and passport numbers.

Overall, I find this process and service so poor and inefficient. Other banks are very clear on the requirements upfront.

Questions & Answers

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