St George Amplify Signature Card 60,000 Qantas/Amplify points - Annual fee $279

[doctau]

Anyone had experience with this? Any idea what the VIP guest status means?

Visa Luxury Hotel Collection, From the T&Cs "VIP Guest services and amenities differ by property". I haven't been to one, so have no idea what that means in practice.

 

[Daver6]

Visa Luxury Hotel Collection, From the T&Cs "VIP Guest services and amenities differ by property". I haven't been to one, so have no idea what that means in practice.

Sounds like a convenient way of giving not very much at all.

 

[clazman]

Link to apply is not working at present

 

[clazman]

the card deal doesn't appear on the QF website only directly on St George website

 

[scheps]

wonder if can sign up as qf and get the 60k qff then switch over to amplify.

 

[burmans]

wonder if can sign up as qf and get the 60k qff then switch over to amplify.

Probably, certainly some have done with equivalent cards (e.g. Citibank)! Not sure if this is a card I would actually use that often past milking the sign-on fee!

 

[casanovawa]

Hmmm, maybe not bad hotel benefits, I just tend to not stay in over priced luxury hotels....

 

[bismarck]

Visa Luxury Hotel Collection, From the T&Cs "VIP Guest services and amenities differ by property". I haven't been to one, so have no idea what that means in practice.

They're the standard benefits available with any Visa Signature. Usually not much chop but it many places it's good for free breakfast and a $50-100 dining voucher for the same as the BAR on the hotel website.

Not that special, but nothing to complain about either. AMEX FHR is usually better but restricted to Platinum card.

 

[vertisol]

My eyes don't let me read the fine print but I have a St George home loan and a bog standard mastercard with them already. Is this offer for new customers only or simply new applicants for these specific cards?

 

[Mark3000]

My eyes don't let me read the fine print but I have a St George home loan and a bog standard mastercard with them already. Is this offer for new customers only or simply new applicants for these specific cards?

I had an old St George Amplify visa and they upgraded me automatically with no extra fees. Not sure how it works with the MasterCard though

 

[Jordan613]

"Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible."

It might be worth calling them, asking the agent if you're eligible, if they say yes then get the date, time, name, if they say no ask to then close the account and see if the offer changes

 

[cmon0005]

Just applied for the Signiture (min. $15k limit) and was conditionally approved (payslips emailed), will look to sell lounge passes to recoup some of the annual fee.

If if I can get $100 for them then I would be sitting at 130k points after 3 months thanks to ANZ, NAB and St G for <$200

How long after sending in your payslips was it processed?

 

[Jordan613]

How long after sending in your payslips was it processed?

Applied Friday 9th, emailed payslips same day and received email confirmation on Saturday afternoon via email. Have yet to receive the card although assume it will be in the letter box today or tomorrow.

 

[cmon0005]

Applied Friday 9th, emailed payslips same day and received email confirmation on Saturday afternoon via email. Have yet to receive the card although assume it will be in the letter box today or tomorrow.

Cool, thanks, not sure why they would even need my payslips considering I am a customer of theirs and have my salary credited directly into my account every month.

 

[cmon0005]

Cool, thanks, not sure why they would even need my payslips considering I am a customer of theirs and have my salary credited directly into my account every month.

Got an approval email about 7 hours after applying and sending in payslips, pretty happy with 60k points !

 

[Danger]

I applied for bot this card and the NAB card with the 20k offer on the same day. Both were approved online although the St George application requires I submit payslips, as noted above.

I can't remember the last time I had a CC application approved immediately when submitting online.

The one key thing I did do for both was not indicate I was a current QFF. My own little theory is that selecting yes to this question may impact other areas of the application. I suspect that with all these offers that seem to come up routinely the banks may well be growing increasingly conscious of card shoppers who are just in it for the free points.

Of course, you can easily add your QFF number later. And on that point, I had a call from NAB about my application (I had made a minor error that they wanted to clarify) and when it was all done I asked to add my QFF number. The phone agent said she could easily do that now but "If I do the application will need to be reassessed". Interesting.

 

[cmon0005]

The one key thing I did do for both was not indicate I was a current QFF. My own little theory is that selecting yes to this question may impact other areas of the application. I suspect that with all these offers that seem to come up routinely the banks may well be growing increasingly conscious of card shoppers who are just in it for the free points.

I don't think this is a factor in approval, they offer rewards based CC's with higher interest rates for people that want rewards, they almost expect that you will want the rewards, otherwise you would just go for a low rate VISA or something if you didn't want rewards.
Having worked in designing systems before that assess applicants for certain products etc in a few industries, marketing type things (like bonus offers, bonus points.etc) never or very rarely come into play with assessing an applicants credit worthiness.

 

[Danger]

I don't think this is a factor in approval, they offer rewards based CC's with higher interest rates for people that want rewards, they almost expect that you will want the rewards, otherwise you would just go for a low rate VISA or something if you didn't want rewards.
Having worked in designing systems before that assess applicants for certain products etc in a few industries, marketing type things (like bonus offers, bonus points.etc) never or very rarely come into play with assessing an applicants credit worthiness.

Interesting to know.

 

[burmans]

I don't think this is a factor in approval, they offer rewards based CC's with higher interest rates for people that want rewards, they almost expect that you will want the rewards, otherwise you would just go for a low rate VISA or something if you didn't want rewards.
Having worked in designing systems before that assess applicants for certain products etc in a few industries, marketing type things (like bonus offers, bonus points.etc) never or very rarely come into play with assessing an applicants credit worthiness.

Must admit I find it hard to believe that they advertise a card as having a sign on bonus and don't expect people are attracted to that bonus, that's the whole purpose of the promotion! What they don't want is people dumping the card immediately and they count on enough people keeping it.

They are not unaware that people churn products but in general what they count on is that most people don't. What the smarter ones do is not pay out for some time, the longer people have a product the more inertia builds.

 

[cmon0005]

Must admit I find it hard to believe that they advertise a card as having a sign on bonus and don't expect people are attracted to that bonus, that's the whole purpose of the promotion! What they don't want is people dumping the card immediately and they count on enough people keeping it.

They are not unaware that people churn products but in general what they count on is that most people don't. What the smarter ones do is not pay out for some time, the longer people have a product the more inertia builds.

They get around this a few ways, most times they offer a balance transfer at 0% for x months to entice you to stay. Second is they charge annual fee upfront usually payable before the points are posted (some post bonus points with first statement others make you wait ~60 days etc). In the case of this card they also offer a birthday bonus of 10% of all the points you earned in the 12 months before.

So really you've paid for your bonus points mostly before your first statement has arrived. wish I had thought of a business model like that!