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Need to give your Qantas points a quick boost so that you can snag an award flight? St. George’s Amplify Signature Card pumps 90,000 points into your account if you can meet a preliminary spending target, and there’s no points cap. Its points earning potential and complimentary insurance make it ideal for regular travellers.
It’s pricey thereafter though, charging 19.49% p.a. interest on uncleared balances after the initial honeymoon period. But the recurring birthday bonus of 10% of your previous year’s points may encourage you to stay.
Concierge and luxury hotels
Once again, you’ll need to be a frequent traveller or a higher-than-average spender to appreciate the concierge service and the automatic membership of the Visa Luxury Hotel Collection, offering extras such as best available rates, free Internet, complimentary breakfast and late checkout at 900 hotels worldwide.
Disappointing domestic points
Unfortunately, you’ll come back down to earth in more ways than one when you get back home, with a lacklustre points earnings rate of 0.75 pts per $1 spent (QFF) on local purchases. So if most of your spending is going to be done in Australia, it will be hard to justify the high annual fee. The absence of a points cap will not compensate for the absence of points.
The full premium card insurance package is built into the Amplify Signature card:
The extensive multi-trip international travel insurance for a family would set you back about $750 per year. The total value of these insurance policies is estimated to be about $1,350 per year.
This card is best for . . .
The St. George Amplify Signature card is most suitable for the frequent overseas flyer, frequent overseas spender and frequenter of luxury international hotels. Local big spenders, on the other hand, will need to work out whether the uncapped points potential is enough to defray the relatively high annual fee.
This card has a really great rewards system and some really good benefits. Rewards and benefits are easy to access, and not confusing.
Fees are a little high, but it has a good interest-free period.
Overall I am very happy with this card, and would recommended it to others.
I have always banked with St George and recently updated to the Amplify Credit Card as I previously only had a debit card. I feel happy with my rate and the St George app allows me to track my spending and payments effectively. I received a 0% annual fee for the first year. There are rewards associated with this card but I have not looked too much into them.
It comes with the Advantage Package home loan. It has no fees, low rates, complimentary travel insurance, and you get perks like two Qantas lounge passes annually.
This is a great card if you like to travel. The extra perks are geared towards people that often travel overseas.
I am happy with this card. There’s a good limit, double points, rewards, easy redemption and good service. It’s easy using NetBank,and easy to manage your card limit (increase/decrease).
So far so good — no long waiting time for approval and it was quickly delivered. Term and conditions are good, late fees lower, and ATM fees are good.
Certainly convenient if you’re looking to secure a home loan. Fast, easy and fuss free application process. Statements are not sent regularly, therefore you are unsure where you stand financially with this card. Recommend for certain loans such as home and car, otherwise I would stick with a more renowned bank.
|Cash advances||1.69%||20.24% p.a.|
Valuation based on the assumption of making a $250 claim once every 5 years. There is no retail market for all-encompassing extended warranty insurance covering more than one item, so no premium saving.
Guaranteed pricing / price protection insurance
Valuation based on the assumption of making a $100 claim once every 10 years. Extensive conditions apply. There is no retail market for this type of insurance, so no premium saving.
Valuation based on the assumption of making a $200 claim once every 5 years. There is no retail market for this type of insurance, so no premium saving.
Interstate flight inconvenience insurance
Valuation based on similar domestic travel insurance policies available online that include interstate flight inconvenience.
Overseas travel insurance
Valuation based on similar annual travel insurance policies available online for trips of up to 60 days.
Rental vehicle excess cover (separate from travel insurance)
Valuation based on similar rental vehicle excess insurance policies available online.
Transit accident insurance
Valuation based on similar global transit accident insurance policies available online.
Waived Qantas Frequent Flyer joining fee
Valuation based on $89.50 Qantas Frequent Flyer joining fee spread over 5 years. Note that this benefit does not apply if cardholder chooses Amplify Rewards rather than Qantas Frequent Flyer points.
|Total estimated value||$1,391|
|Net customer value||$1,112|