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Pros
90,000 Qantas bonus points on offer
Earn 0.75 points per $1 spent on eligible purchases, uncapped. Plus, receive Birthday Bonus Points
0% on Balance Transfers for 6 months
Complimentary Travel Insurance and Extended Warranty
Cons
$179 Annual Card Fee for the first year ($179 thereafter)
3% Overseas Transaction Fee
Balance Transfer Rate reverts to high Cash Advance Rate of 21.49% after the first 6 months
Hafiz Abdur RehmanGreater Melbourne (Inner), VIC
- 4 reviews
Great easy to get card for Qantas points
I got this card few months ago because of the wonderful signup offer and I got 90000 qantas points for that. If you want to accumulate qantas points this is the card for you, it got decent annual fee and they send qantas points directly to your account plus they give you complimentary qantas frequent flyer membership too. I have had two cards from St George and the best thing about them is that they really understand your financials and cooperate with you during the whole process. I highly recommend them as an institution.
- Online Shopping
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J HarveySydney Surrounds, NSW
- 4 reviews
- Verified customer
Good card when combined with signup bonus
This is a decent black level VISA card which I would rate slightly superior the Westpac Altitude Black Qantas MasterCard.
The card effectively earns 0.825 points/$ on regular spending (0.75 points/$ + 10% bonus points added on your Birthday for all previous spending on the card) which is a bit better than the 0.75 points/$ (with no bonus) for the Westpac Black Qantas MasterCard. In addition the annual fee is slightly lower at $279 (compared to $250 + a $50 Qantas Fee on the Westpac MasterCard).
If signing up to this card try to aim for a Qan...Read more
tas Points Signup Bonus of 80000 to 90000 Points (these pop up every few months) and a reduced annual fee (occasionally they give you $100 off or even no annual fee for the first year). I was able to get 90000 points and a reduced 1st Year Annual fee when I signed up for this card which made this card very good value for me. The card also comes with standard 'Black' tier credit card benefits e.g. travel insurance, 2x Qantas Lounge passes (if you buy a Qantas Flight on the card) and concierge service but I have not made use of these yet. I would definitely NOT use this card overseas as the 3% foreign transaction fee makes using this card poor value (compared to a few other credit and debit card products which charge 0% on foreign transactions). The Qantas Points rewarded when using this card are transferred into my Qantas frequent flyer account as expected where they can be used for pay for Qantas flights or other items. Overall I highly recommend this Card if you are eligible and can secure a good signup bonus with reduced 1st Year Fee.- Everyday Expenses
- Online Shopping
- Special Purchases
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Arvin V.Perth, WA
- 7 reviews
- Verified customer
60000 bonus points
Got 60000 bonus points immediately after I spent 4000$ in 3 months time. Online account was user friendly. Getting the approval was not that easy. Took several attempts to get approval for credit card. But annual fees was only $49.
- Everyday Expenses
- Online Shopping
- Overseas/Travel
- Special Purchases
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AlanVIC, 3029
- 8 reviews
- 5 likes
- Verified customer
Good credit card but fees can be more transparent
The QFF rewards is a great feature. There is an ongoing annual cost but I got the credit card during promotional period and got the first year annual fee waived.
There were a couple of occasions that they charged a transaction fee without any reasons. Had to call them and got the fee waived. A bit disappointed in that regard but I did receive an apology and promise that this will not happen again. I guess it is probably the same with all other credit card providers, just need to check the transactions from time to time to make sure you are not being charged by fees that do not apply to you.
- Everyday Expenses
- Online Shopping
- Special Purchases
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The reviewer stated that an incentive was offered for this review
benGreater Melbourne (Outer), VIC
- 6 reviews
- 1 like
Straight forward
honestly the only reason I got this card was for the bonus Qantas points and Qantas lounge passes which I was able to receive with no problems. Straight forward experience
- Online Shopping
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The reviewer stated that an incentive was offered for this review
Impossibly slow application process
Approved for an account after an onerous application process as compared to other banks. 8 business days and counting later still not received the card. Keep getting emails and sms messages reminding me to activate my card. Terrible speed of delivery compared to NAB and Amex.
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RLCD09Sydney, NSW
- 9 reviews
- Verified customer
Great customer service
Use this card for my everyday purchases. I find the online app easy to use to pay off the balance on time. I've spoken with customer service about the card and the experience was pleasant. Have it linked to qantas frequent flyer points and have found they come across as expected, sometimes it's just a little delayed. Overall no issues, just a very easy card to use.
- Everyday Expenses
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Eastwest101
- 4 reviews
- 1 like
- Verified customer
Approval easy, actual card issue process difficult, when arrived and activated was a good experience using and online.
Applied for the card and was eventually approved many many months later due to IT glitches in St George Banks IT systems, annual fee deducted almost immediately despite the card being advertised as fee free for the first year, rang and got this annual fee reversed. Have updated review once the sign on bonus Qantas Frequent Flyer points were actually credited after the min spend requirement was met. Setting up online through the St George portal was relatively easy, auto-debit function could be setup on line (unlike some other banks), process to close the card was relatively quick easy and painless, credit card dropped off credit file after 2 months.
- Everyday Expenses
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