Just had a phone call from St George, their internal complaints process has looked into it, and decided to award the 80K bonus points, may take a week or two to come through but I was pleasantly surprised that they folded, given the circumstances, where they could have dug in and tried to stick to a very narrow interpretation of their T&Cs and made me fight all the way through AFCA - although I think AFCA possibly may have come out in my favour eventually. So credit to St George for eventually coming through, and to their credit they didn't try to disassemble the result, or call it a "gesture of goodwill", which wins plaudits from me when a company stuffs up and then admits it honestly.