St.George Amplify Business

0% p.a. for 12 months then 19.49% p.a.

$89 $0 in the first years

0% p.a. for 12 months then 19.49% p.a.

$89 $0 in the first years

Currently showing

Revealing rewards

How do we do it?

To work out the "Rewards value minus fees" in our Rewards Revealer we:

  • calculate how many points you'd get each year,
  • figure out how many flights or gift cards or cashback credits you could get for those points,
  • work out what that's actually worth to you,
  • take off the annual fee you'd pay.

More details:

  • Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
  • We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
  • Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
  • In products that have more than one card, a different mix of spend between American Express / Visa / MasterCard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
  • We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
  • To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
  • Shopping rewards are based on $100 gift cards from a major national department store.
  • We make every effort to ensure our calculations are correct and up to date but make no guarantees.

Rewards scheme

  • Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.
  • You can get flights via Velocity, Enrich or Krisflyer programs.
  • Earn double points at overseas merchants.

Value of rewards points

  • Need to spend $18,200 (Visa)

  • Need to spend $15,600 (Visa)

  • Need to spend $239,200 (Visa)

  • Uncapped

  • Never

Details behind our 'value of rewards' calculations

  • 1 point per dollar on Visa, uncapped

  • 18200 points buys a Myer $100 Gift Card

  • 1 points buys 0.5 Velocity Points; 7800 Velocity Points buys a Virgin Australia Syd-Mel flight

  • 1 points buys 0.5 Velocity Points; 119600 Velocity Points buys a Velocity partner London flight

* How did we do it? Find out...

Rates

  • 19.49% p.a.

  • 0% p.a. for 12 months

  • none

  • none

  • 20.24% p.a.

  • 55

Fees

  • $89.00

  • $0 in the first years

  • none

  • none

  • $9.00

  • 2%, Min $2.50

  • 3.00%

  • $7.50

  • $10.50

  • $0.00

Other financial bits

  • $10.00

  • 2.0

Features

  • 3

  • none

  • none

Rewards scheme

  • Points are automatically credited to the Qantas Frequent Flyer program.
  • All rewards are redeemed via Qantas Frequent Flyer.
  • Earn double points at overseas merchants.

Value of rewards points

  • Need to spend $34,500 (Visa)

  • Need to spend $16,000 (Visa)

  • Need to spend $240,000 (Visa)

  • Uncapped

  • Never

Details behind our 'value of rewards' calculations

  • 0.5 points per dollar on Visa, uncapped

  • 17250 points buys a Myer $100 Gift Card

  • 8000 points buys a Qantas Syd-Mel flight

  • 120000 points buys a Qantas London flight

* How did we do it? Find out...

Rates

  • 19.49% p.a.

  • 0% p.a. for 12 months

  • none

  • none

  • 20.24% p.a.

  • 55

Fees

  • $89.00

  • $0 in the first years

  • none

  • none

  • $9.00

  • 2%, Min $2.50

  • 3.00%

  • $7.50

  • $10.50

  • $0.00

Other financial bits

  • $10.00

  • 2.0

Features

  • 3

  • none

  • none

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