Compare credit cards with an Australian bank that has served over 2.6 million consumers, businesses and corporate customers for over 75 years.
St.George Bank is one of Australia’s leading retail and business banking brands. In 2008, St.George and BankSA became part of the Westpac Group. Since then, the bank has been known for it’s award-winning products, exceptional service, innovation, and financial advice for retail and business customers alike.
St.George Bank offers a range of banking services from, personal loans, home loans, insurance and credit cards.
St.George Credit Card Offer
Enjoy a low rate balance transfer offer. The card also features a low ongoing purchase rate and a low annual fee.
- $55 p.a. annual fee
- 1% p.a. for 12 months (reverts to 13.24% p.a.) on purchases
- 0% p.a. for 18 months on balance transfers
- Cash Advance Rate of 21.49% p.a.
- Up to 55 days interest free
Comparison of St.George Bank Credit Cards
Rates last updated October 28th, 2016.
- St.George Vertigo Platinum
Balance transfer period changed from 20 to 18 months and is valid until 4 January 2017.
September 30th, 2016
- St.George Amplify Signature
New bonus points offer of 30,000 upon sign-up which is valid until 4 January 2017.
September 30th, 2016
- St.George No Annual Fee
Balance transfer and purchase offer have been extended until 4 January 2017.
September 30th, 2016
Types of credit card products from St.George Bank
When selecting a credit card it is important to consider the different features of the credit cards – Interest rate, annual fees, interest free days, balance transfer discounts, rewards and benefits. Below is a range of credit cards available with St.George
Balance transfer credit cards
St.George offer balance transfer promotions to help you repay your existing credit card debt with no interest. Compare the latest balance transfer offers below and find out how much you can save today when you apply for a St.George credit card. For more information on how to balance transfer St.George credit cards, here is the step by step process.
Low rate credit cards
The low rate credit cards from St. George range offer a low variable interest rate on purchases and a low annual fee. Making it suitable for individuals who appeal to lower ongoing purchases rates combined and lower annual fees.
Rewards credit cards
Choose between two rewards programs, Amplify Rewards or Amplify Qantas. Earn rewards points on everyday purchases and on international spend. Enjoy the flexibility of switching between rewards programs, where you can redeem points for a wide range of rewards including flights, accommodation, merchandise and shopping vouchers.
No annual fee card
No Annual fees for the life of the card. Credit limits start from $500. The freedom of a card with no extra service costs.
The benefits of banking with St.George Bank
St.George Bank offers a range of online banking options and features to their services to save you time and money, and to make banking more rewarding and secure. Learn more about the benefits of banking with St.George.
Flexible rewards programs – Amplify Rewards Program
St.George Amplify offers 2 rewards programs, Amplify Rewards and Amplify Qantas – with the ability to switch between each program at any time.
Earn Amplify Rewards points on everyday spend and redeem your points as rewards through the online Amplify rewards store for gift cards, appliances, events/experiences, and travel through Amplify Travel.
Redeem Qantas Points through the Amplify Qantas rewards program and earn Qantas Frequent Flyer points to redeem an extensive range of products and services, including Classic Award flights and over 1200 products and vouchers from the Qantas Frequent Flyer online store.
Complimentary credit card travel insurance
Eligible St.George credit cards provide complimentary travel insurance to give you peace of mind while travelling. Get insurance cover for medical, loss and damage of personal items during your travels. To find out whether you are eligible refer to our full guide to this travel insurance policy.
Security and protection – St.George Fraud Money Back Guarantee
The St.George Fraud Money Back Guarantee offers protection for unauthorised transactions on your account, provided the cardholder has not contributed to the loss and has followed the appropriate course of actions St.George will reimburse the amount. Furthermore, extending to a wider network, you can shop with confidence knowing the 24/7 Falcon® Fraud detection system is on watch, it detects any unusual purchase activity on your card to ensure safe and secure shopping, if any unusual spending habits occur St.George Bank gets in touch. As an added layer of protection, a Secure Online Shopping service is available to all St.George credit cardholders when you register with Internet Banking, using password verification you can opt to receive a personal Assurance Message (PAM) with Verified by Visa® and MasterCard® SecureCode™ when making online purchases.
Speed and convenience – Chip, MasterCard® PayPassTM and Visa payWave
For purchases under $100 you can now just tap your card with Visa payWave at participating merchants. Making those smaller purchases a little more time saving.
How to apply for a St.George Bank Credit Card
Find out how easy it is to make a St.George credit card application online. Know which documents and what information you need to make the process flow smoothly.
Applying for a St.George Bank credit card can be done online, and this is a perfectly safe and secure process. Having the following information can help with the process. Applicants must be at least 18 years old, be a permanent resident of Australia, and have a good credit rating.
- Your driver’s licence number, if you have one
- Your net (after-tax) weekly income
- Details of your income, assets, savings and investments
- Any repayment liabilities you have, such as credit card and store card debts, or personal loans
- Your most recent tax details if you are self-employed
Frequently asked questions
How do I transfer my balance when I am setting up a new St.George credit card?
When opening a new account with St.George you can request a balance transfer when you apply for your credit card and St.George will arrange to transfer the balance for you. (note: you must activate your St.George card for the balance transfer to take place)
How long does it take to transfer a balance?
Allow up to 14 days for St.George to complete a balance transfer request. (If you are a new customer, the balance transfer request will only be processed after you complete the identification check at a St.George branch (unless you have previously done so) and activate your card.)
How much can I transfer across to a balance transfer?
A minimum of $200 applies per transfer request. You can transfer as much of the other credit or store card balance as you would like, up to 95% of the available credit limit of your new St.George credit card.
If I do a balance transfer, do I also get interest free days?
Unfortunately no, if you take a balance transfer you don’t get 55 days interest free. The outstanding balance must be paid off before the interest free days are active.
I can’t choose between the 2 rewards programs, can i switch between them?
Yes, you can switch between the Amplify Rewards and the Amplify Qantas rewards programs at any time. Just get in touch with St.George Bank and request for a Program Switch Request form.
Which transactions will earn points on the accounts?
Eligible purchases made on the account will earn points in your chosen rewards program. You don’t earn points on the following: balance transfers, BPAY® transactions and cash advances, be sure to consult the terms and conditions for full list
How much is the minimum repayment per statement period?
The minimum repayment on your credit card is whichever is greater of the following: 2% of your total balance or $10 or the amount of outstanding government and interest charges.