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Flight churn value

St.George Amplify Platinum - Qantas (Existing customers, through log in)

Ended — kept for reference

This page is my best effort to summarise the card's terms from the information I found. Read the bank's terms for full details, or contact the bank if you have questions.

I'd like to use my bonus for:

Can I get this?

This offer is only for existing customers of the bank.

Can I get this bonus if I have held a card before?

I have not checked the waiting period for this bonus.

See the waiting rules for every Australian bank →

What must I spend?

$4,000 within 90 days — about $1,333 per month.

Can I get the card?

The minimum credit limit is $6,000. This is the least the bank may let you borrow.

I do not have a minimum income for this card.

Meeting the bonus rules does not mean the bank will approve your application. The bank must assess and approve the card separately.

How long is this available?

I do not have an end date for this offer.

What do the points buy?

It depends where you fly. From Sydney, 71,400 Qantas points buys:

TripPoints for 1 return tripYou can book
Sydney → Melbourne, Economy18,4003 return trips, plus 1 one-way trip
Sydney → Bali, Economy46,6001 return trip, plus 1 one-way trip
Sydney → Singapore, Economy58,0001 return trip
Sydney → London, Business332,600Not yet — 21% of a return trip

Prices are Qantas Classic Flight Rewards for 1 person, if a reward seat is free. Airport taxes and fees are extra cash on top. Pick your own start city and trip below.

Sydney to London in Business (166,300 points)

Tap the trip above to pick your start city, where you want to go, and a seat class.

42% of one way trip

- $99
annual fee

Sydney to London (Business): One way flight is 166,300 Qantas points.

With 71,400 points = 0 return trip with 71,400 points remaining.

If you spend another $271,142.86 on the card, you can add another one way trip, zeroing out your point balance for this card.

30,000 Second Year Bonus

This card has a second year bonus of 30,000 and an annual fee of $99.

See Flights at Qantas

Should I keep it after the first year?

Keeping the card costs $250 each year ($175 annual fee + $75 program fee) — the first year was $174.

The year-two bonus is 30,000 Qantas points.

Ongoing earn: 0.35x Qantas points per $1.

Keeping pays off only if you meet the second-year conditions and use the points and benefits enough to cover $250/yr.

The maths behind churn value

71,400 Qantas points at 1.6¢ a point − $174 in first-year fees. This is flight value, not cash. It assumes you earn the bonus and pay in full.

This offer has ended. I keep this page so you can check the old terms.

+70,000sign-up bonus
+1,400from $4,000 spend
=71,400Qantas points
×1.6¢per point
=$1,142value of the points
−$174first-year fees
=$968churn value
What this calculation assumes
  • You make the required purchases and the bonus is paid.
  • You pay the balance in full — any interest changes the outcome.
  • The required spend is ordinary planned spending, not extra cost.
  • You close the card before the next annual fee, or you decide keeping it is worth that fee.

Did this help you make a decision?

Terms and evidence

Full current terms

Offer terms

Low FeeOffer Ended

First Year Points

70,000 points

Qantas

Second Year Points

30,000 points

With $175 annual fee

Minimum Spend

$4,000

within 90 days (about 3 months)

Ongoing Earn Rate

0.35x points per $1 spent

Fees

First Year Annual Fee

$99

Ongoing Annual Fee

$175

From year 2 onwards

Program Fee

$75

Additional fee for reward program participation

Purchase Interest Rate

20.99% p.a.

The value above assumes you pay in full and never pay this. Any interest changes the outcome.

Benefit history (8 changes)
  • Travel InsuranceUpdated May 2026
  • Points Transfer BenefitsUpdated May 2026
  • Interest Free PeriodsUpdated May 2026
  • Digital Wallet IntegrationUpdated May 2026
  • No Additional Cardholder FeeUpdated May 2026
  • Transit Accident InsuranceUpdated May 2026
  • Purchase Protection InsuranceUpdated May 2026
  • Extended Warranty InsuranceUpdated May 2026
Offer terms history (9 versions — old terms, for checking)

These are published versions of this offer's terms. Each version preserves the conditions available at that time.

Published 23 Jan 2026

Ended 19 Mar 2026

No recorded term changes from the previous version.

Published 20 Jan 2026

Ended 7 Feb 2026

No recorded term changes from the previous version.

Published 20 Jan 2026

Ended 7 Feb 2026

Changes from terms version 6

Points Per Dollar:
0.500.35

Published 6 Dec 2025

Ended 23 Jan 2026

Changes from terms version 5

Bonus:
75,00070,000
Second Year Bonus:
030,000
Annual Fee:
$49$99

Published 23 Sep 2025

Ended 6 Dec 2025

Changes from terms version 4

Second Year Annual Fee:
$124$175

Published 26 Mar 2025

Ended 23 Sep 2025

Changes from terms version 3

Bonus:
50,00075,000
Spend For Bonus:
3,0004,000
Expiration Date:
25 Mar 2025

Published 25 Jan 2025

Ended 26 Mar 2025

Changes from terms version 2

Minimum Credit Limit:
6,000
Interest Rate:
20.0020.99
Expiration Date:
30 Apr 202525 Mar 2025

Published 15 Aug 2024

Ended 25 Jan 2025

Changes from terms version 1

Bonus:
60,00050,000
Expiration Date:
31 Jul 202430 Apr 2025

Unknown publication date

Ended 15 Aug 2024

First recorded terms

Bonus Qantas:
60,000
Annual Fee:
$49
Minimum Spend:
$3,000 in 90 days
Source wording history

Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.


Archived notes

Earlier notes about this offer, kept as an archive — not current terms. Note dates are separate from terms publication dates.

  • Expiration changed from 27/02/24 to 31/07/24
    3 years ago
  • Expiration changed from 30/04/24 to 27/02/24
    3 years ago
  • Expiration changed from 06/11/23 to 30/04/24, Second Year Annual Fee from 99 to 124
    3 years ago
  • Offer expiry moved from 30/11 to 6/11
    3 years ago
  • Offer expiry moved from 30/11 to 6/11
    3 years ago
  • Card link changed from https://www.stgeorge.com.au/personal/credit-cards/affiliate/amplify-platinum to https://www.stgeorge.com.au/personal/credit-cards/frequent-flyer/amplify-platinum
    3 years ago
  • Offer extended to 30/11/23
    3 years ago

Discussion

About these ended terms (published 23 Jan 2026) — not the current offer.


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