St.George Amplify Platinum Credit Card

Question 1

Jun

19 April 2018

What is Purchase Rate and Cash Advance Rate?

Question 2

Roland

Answer

Hi Jun, the cash rate is applied when you take money out of an ATM or going into the branch and request cash. The cash rate is also used typically on any balance amount that is not paid off in the intro period. The purchase rate is applied when you do not pull out cash but spend at stores and the alike (non cash).

Question 3

Michael

23 June 2017

Can I have the points go to velocity frequent flyer (Virgin Australia) or have the transferred monthly

Question 4

Roland

Answer

Hi Michael, you can transfer your Amplify points to Velocity. You can transfer the points automatically though there is a points fee cost for this. This is what I have been able to find. *For Velocity Auto-Redemption only, you will receive 1 Velocity Point for every 2 Amplify Points and a minimum balance of 2 Amplify Points is required before a transfer is made to Velocity. All transfer of points will occur on your statement date. Velocity Auto-Redemption is a variation to the Amplify Rewards Terms and Conditions and allows you to automatically convert your Amplify Points to Velocity Points for less than 3,000 Amplify Points

Question 5

sharon

8 December 2016

How much do we spend on our holiday to get the free travel insurance?Per card holder... Thankyou,Sharon

Question 6

Roland

Answer

To be eligible for this complimentary overseas travel insurance, before leaving Australia on an overseas journey, you must have a return overseas travel ticket, and need to have prepaid at least A$500 of your travel costs using your eligible card. Travel costs include: Return overseas travel tickets, Airport/departure taxes, Prepaid overseas accommodation, Prepaid overseas itinerary items.

Question 7

Emily

4 December 2016

Can I transfer a loan to this credit card?

Question 8

Roland

Answer

Hi Emily, no you cannot. Only Citi issued cards can accept non-Citi loan debt. Have a look at the Virgin Flyer card will 0% for 18 months on balance transfer.

Question 9

Vincent

28 November 2016

I don't have Qantas Frequent flyer membership. If I am approved for this credit card, could I get the joining fee waived?

Question 10

Roland

Answer

Hi Vincent, the Qantas joining fee is not waived with this card. Though it still is a great offer with nice points.

Question 11

Dwight

25 October 2016

Can I do three different cards on to this one. All would be balance transfer

Question 12

Roland

Answer

Hi Dwight - you can transfer up to 3 non-St George issued cards to this offer. Best of luck with your application.

Question 13

Mic

11 October 2016

Hey. With the $2,500 spend to get points does that also include balance transfers. Like $2,500 balance transfer.

Question 14

Roland

Answer

Hi Mic, no it doesn't, the $2,500 needs to be eligible purchases (non-balance transfer or cash advance).

Question 15

Steven Sartain

6 October 2016

Is there a charge for additional cards?

Question 16

Roland

Answer

Hi Steven, $0 for an additional card holder.

Question 17

Kristy

19 August 2016

I am currently on Maternity leave. Would I be eligible to apply for a Balance transfer? I am currently receiving a government maternity payment (18weeks) but no payments from my employer since May? Will this be an issue regarding proof of income?

Question 18

Roland

Answer

Hi Kristy, you would need to make sure that you meet the minimum requirements for the offer. Therefore you have good credit, 35k minimum income, over 18 and an Australian permanent resident. Even if you do, then I am just not sure whether the fact you are not work now will impact the application. Maybe the bank could think that you will not go back to work. If you are keen, I would have a go at an application and see how it works out. Please let me know how you go and best of luck with your application.

Question 19

Anthony D'Souza

25 July 2016

Who do I call to check on my FREQUENT FLYER POINTS. I would like to know how many points I have to-date and how I could transfer them to my daughter in Queensland Await your reply Regards Anthony

Question 20

Roland

Answer

Hi Anthony, Frequent flyer points are part of the Qantas program. To check points and to make bookings you can login to https://www.qantas.com/fflyer/dyn/program/welcome.The St George Amplify has 2 points programs, you either earn Amplify points which can be converting into a range of goods or transferred to various airlines - https://amplify.stgeorge.com.au/ or you have opted in to earn Qantas points directly. I am not sure which program you are part of but give St George Credit Card customer service a call if you are unsure - 1800 028 208

Question 21

Paulette Watt

5 August 2015

Please can you explain rewards system. Eg: Every time I spend $2000 I get a gift card or something. I am in the market for a new credit card but I won't be spending more than $2000 a month.

Question 22

Roland

Answer

Hi Paulette, with rewards card, the points are credited to your account, generally each month, based on the amount you have spent. If you are spending $2000 with this card a month, that will give you 2000 points.You can then redeem these points for rewards at any time based on the points you have. If you check out the rewards site - https://amplify.stgeorge.com.au/ - you can get a clear idea of what type of rewards you can get for your points. On your spend that is about 24,000 points a year.In some cases it may be best to look at a no annual fee rewards offering so that the annual fee doesn't get in the way of reducing the overall value of the points. There are other benefits of cards as well to take into account i you use travel insurance and the alike. Check out HSBC Platinum or some of the AMEX offerings for Qantas or Velocity if you like to fly Virgin or Qantas.Best of luck with your decision - reward cards are definitely a bit confusing with all the different programs available and what each offer. Hit me up with any further questions.

Question 23

Michealsmith

23 July 2015

What is balance transfer?

Question 24

Roland

Answer

Hi Mick - A balance transfer is when you currently have credit card, store card and/or loan debt, you move this to another bank and receive a special rate for a period of time. Check out our 2 minute video that gives a good general run through / explanation.

Question 25

Jun

19 April 2018

What is Purchase Rate and Cash Advance Rate?

Question 26

Roland

Answer

Hi Jun, the cash rate is applied when you take money out of an ATM or going into the branch and request cash. The cash rate is also used typically on any balance amount that is not paid off in the intro period. The purchase rate is applied when you do not pull out cash but spend at stores and the alike (non cash).

Question 27