St.George Credit Cards

How to select the right St.George Credit Card for you:

St.George Bank are one of the most prominent financial providers in Australia, and offer a wide range of credit cards as well.

Before choosing your St.George 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.

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.

• $0 p.a. annual fee for the first year ($55 p.a. thereafter) annual fee
• 13.24% p.a. on purchases
• 2.99% p.a. for 6 months on balance transfers
• Cash Advance Rate of 21.49% p.a.
• 55 days interest free

Read the St.George Vertigo terms and conditions.

Comparison of St.George Bank Credit Cards

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			Interest rate (p.a.)	Balance transfer rate (p.a.)	Annual fee	Cash advance rate (p.a.)
	St.George Vertigo	One of the cheapest credit cards available in Australia for purchases and balance transfers.	13.24% p.a.	2.99% p.a. for 6 months	$0 p.a. annual fee for the first year ($55 p.a. thereafter)	21.49% p.a.
	St.George Gold Low Rate Card	Low interest rate gold credit card with complimentary insurance cover including complimentary overseas travel insurance cover and transit accident insurance	15.99% p.a.		$0 p.a. annual fee for the first year ($79 p.a. thereafter)	20.24% p.a.
	St.George Amplify	Brand new rewards credit card from St.George. Earn double Qantas Frequent Flyer points and Amplify points. Free Qantas Frequent Flyer membership	18.74% p.a.	0.99% p.a. for 6 months	$0 p.a. annual fee for the first year ($79 p.a. thereafter)	20.74% p.a.
	St.George No Annual Fee	A credit card with no annual fee for the life of the card.	20.49% p.a.		$0 p.a.	20.49% p.a.
	St.George Platinum Card	A platinum card with a low interest rate offer and a low annual fee.	15.99% p.a.	3.99% p.a. for 6 months	$0 p.a. annual fee for the first year ($89 p.a. thereafter)	21.49% p.a.

St.George services and products

Personal banking services at St.George include personal loans, credit cards, loans and insurance. The bank also offers online banking so customers can be assured that all their banking needs are being met conveniently and securely. Banking transactions can be done with cell phones or on the computer.

Learn how you can benefit from carrying a St.George credit card. Compare the various features, from their standard card up to their platinum offering.

The St.George Vertigo MasterCard offers a low annual fee and a very low interest rate and was awarded “Australia’s Cheapest Credit Card” by Money Magazine in 2007. If you are looking for a St.George credit card with extra features and benefits, then the St.George Platinum Card may fit the bill. This boasts various complimentary insurance policies covering travel and purchases, whilst the St.George Gold Card is not very far behind in terms of associated perks.

The St.George No Annual Fee credit card is perfect for emergency use with its zero annual fee, but you will be looking at a higher rate of interest when you do use it, and you also don’t get the interest-free days of the other cards. If you are a businessman or woman, then the BusinessVantage credit card offers competitive rates and fees along with special accounting features for small businesses.

St.George Credit Cards

St.George also offers a wide selection of credit cards to fit all the various needs of its customers. These include:

• St.George Business Credit Card
• St.George Vertigo MasterCard Credit Card
• St.George Amplify Rewards Credit Card
• St.George Gold Low Rate Credit Card
• St.George Platinum Credit Card

The St.George Vertigo MasterCard

• Balance transfer rate-
  2.99% p.a. for 6 months
• Standard variable rate-
  13.24%
• Cash transaction rate-
  21.49% p.a.
• Annual fee-
  $0 p.a. annual fee for the first year ($55 p.a. thereafter)
• Interest free days- Up to 55
• Minimum earning requirement-
• Reward program- No

This credit card is ideal for those with existing credit card debt. New customers switching an outstanding balance from another card will benefit from a 2.99% p.a. for 6 months balance transfer rate.

Your debt can now be paid at your leisure without additional interest increasing your balance. If you do use your Vertigo card to make purchases the low ongoing rate of 13.24% makes this card one of the most affordable in terms of interest.

Cash transactions are very expensive at and should be avoided wherever possible. You do have up to 55 days interest free if you do use your card to shop or withdraw cash, and as long as any balance is repaid within that time you won’t accrue any interest.

Because the minimum earning criteria is the potential credit limit is very modest, however this does make the card potentially suitable for lower earners.

Read the St.George Vertigo terms and conditions.

The St.George Amplify Card

• Balance transfer rate-
  0.99% p.a. for 6 months
• Standard variable rate-
  18.74%
• Cash transaction rate-
  20.74% p.a.
• Annual fee-
  $0 p.a. annual fee for the first year ($79 p.a. thereafter)
• Interest free days- Up to 55
• Reward program- Yes

With a low balance transfer rate of
0.99% p.a. for 6 months this card could be useful for anyone wanting to consolidate their credit card debts. With up to 55 days interest free you can treat yourself in the knowledge you have a full month to repay the debt without any interest being charged.

The biggest attraction of this product is it’s reward program which gives users the choice between two exciting reward schemes. Customers can choose between Amplify rewards or Qantas Frequent Flyer incentives.

Those who decide to go down the Qantas route will save $82.50 in membership fees, as the scheme is free to all Amplify card customers.

Whilst the points to dollar ratio isn’t the best of the reward programs, those who use their cards regularly will still be able to accumulate an impressive points tally making this card worth a serious look if your interested in an incentive based card.

Read the St.George Amplify terms and conditions.

The St.George Platinum Card

• Balance transfer rate-
  3.99% p.a. for 6 months
• Standard variable rate-
  15.99%
• Cash transaction rate-
  21.49% p.a.
• Annual fee-
  $0 p.a. annual fee for the first year ($89 p.a. thereafter)
• Interest free days- Up to 55
• Reward program- No

This card does offer you the chance to save some money on outstanding credit card balances with a rate of 3.99%. Still very cheap when compared to most standard rates, even though not quite as low as the 0.99% available on other cards in the St.George range.

There is no reward program offered, but there are a wide range of bonuses. Here is a breakdown of the insurance you receive as a cardholder:

• Extended Warranty
• World Travel Insurance
• Flight Inconvenience Insurance
• Personal Item Theft Cover
• Price Protection Insurance
• Purchase Protection Insurance
• Transport Accident Insurance

The $0 p.a. annual fee for the first year ($89 p.a. thereafter) is much less than you’d pay if you brought all these insurances separately.

Read the St.George Platinum Card terms and conditions.

The St.George Visa Debit Card

If you’re looking for a debit card to work in partnership with your chosen credit card then the St.George Visa debit card is the perfect solution.

With no annual or account management fees, this debit card allows you to shop safely wherever Visa is accepted. That includes unlimited online transactions.

As a card holder you’ll have access to at least 2700 ATM’s meaning you can grab money when you need it from almost anywhere in the country.

One feature of this product is the 10 free sms and email alerts you receive each month. Now it will be even easier to stay organised, and mistakenly going overdrawn should be a thing of the past.

You have full branch access, and can also access your accounts at anytime by either telephone or Internet. Application for the St.George credit and debit card range is very quick and simple. You can apply via the phone or the Internet, and if making an online application you could receive an answer in under a minute.

In Conclusion

St.George is not only a well respected banking giant, but it also offers a wide range of products aimed to catch a large cross section of consumers. Take the time to work out your budget, and decide how you want to use your credit card.

Someone who wants to consolidate outstanding credit card debts is likely to be much better suited to the Vertigo MasterCard for example than someone looking for a card with a reward scheme with a higher credit limit.

Be sure to check out the St.George website regularly as new deals hit the market all the time.

St.George Bank also has a lot of business customers and it offers solutions that are finance related for its clients. It offers different types of loans for small, medium and large businesses including loans for development and business expansion. Their business banking division also provides online banking, business credit cards, transaction products and merchant services.

It has a reputation for offering fantastic small-business solutions like savings, lending and finance. Merchant services and EFTPOS are also offered. St.George understands that small businesses can be located in the city or in rural areas so has developed its programs to meet the specific needs of customers in various areas.

The wealth management division of St.George helps its customers with their financial situations. Clients are assisted with financial and investment planning and margin lending. They also have a special program to help with investments, which is called Advance wealth solutions.

St.George Bank has always taken a serious role in community development and is a sponsor of the St.George Dragons Rugby League team. It also works with other business programs, disaster relief efforts, charities and sporting clubs. It is an important part of the Australian financial district and has proven itself to be a leader to its customers.

The balance transfer process:

If you are applying for a St.George credit card, then you can ask to have a balance transfer made at the same time, and the balance transfer will begin when the account becomes active. Once the introductory low rate period expires, any of the transferred balance remaining will revert to the normal purchase interest rate.

Learn more about the balance transfer process

It normally takes around two weeks for the process to complete, and new customers with St.George must have their identity verified before their card can be activated and the balance transfer process can begin. Until that time, the debt will remain with the old card provider and you must still pay them.

Important points when considering a balance transfer to a St.George credit card:

Which types of credit cards can you transfer your balance from?

You can make a balance transfer from a credit card issued by a different provider or from a store card (E.g. Woolworths, David Jones or BP). However, you cannot make a balance transfer from one St.George credit card to another credit card by St.George Bank.

You cannot transfer:

• From another St.George credit card.
• From a foreign credit card.
• Less than $200.
• More than 95% of your available credit limit.
• If you are in default on the account.

How to Apply for a St.George MasterCard

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 Vertigo MasterCard can be done online, and this is a perfectly safe and secure process. You just need to have certain information to hand and you obviously must make sure that you fulfill the eligibility requirements. Applicants for a St.George Vertigo must be at least 18 years old, be a permanent resident of Australia, and have a good credit rating.

Information needed to make a St.George credit card application:

• 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

The St.George Credit Card application process:

Provided you have all the relevant information to hand, your online application for the St.George card should take no longer than fifteen minutes to complete. Within just a few seconds of submitting your application, you will receive a reply with the outcome, which is based solely on the information you have just provided. If you are a St.George customer already, you can use your Internet banking facility to make the application process quicker, because some of your information will already be stored in the system.

If you can’t find all the necessary information immediately, you can complete your application as far as possible, save it, and return to it at any time within the next thirty days.

Keeping track of your St.George application is a simple matter of logging on to St.George Internet banking, or you can request that St.George keeps you updated by email or SMS when each stage of the process is completed.

If you are a new customer with St.George, your identity will need to be checked and confirmed, which is the law. You could also be asked to provide other documents, or to prove some of the information you have already provided. You will also be subject to a credit rating check so that St.George can assess you as a lending risk. The last part of the St.George credit card application is to confirm you accept the Privacy Act and are happy to abide by certain other agreements, like the Terms & Conditions.

Normally, successful applicants can expect to have their card within five to ten working days.

Why are St.George Bank interest rates potentially so much lower?

It could be said that St.George are simply ahead of much of the bank competition in Australia, and compensate for lower interest rates by gaining more market share. For a History on St.George Bank, click here.

Whichever St.George credit card you choose, it will receive worldwide acceptance at merchants and ATMs so you never need to worry about a lack of funding when travelling.

Helping the Community and the environment

St.George Bank is very active in the community and have a positive attitude in everything they do. They have a strong bond with charities that look after children and teenagers who suffer from some form of illness, have a disability or are not as fortunate as most others. They have also established the St.George Foundation and have donated over 13 million in the past 20 years to various charities all around Australia. Its community spirit is just another reason why you should think about the switch to St.George.

St.George is also committed to becoming a ‘Greener Dragon’ by reducing its impact on the environment. It also has initiates in place to help its customers and employees do the same.

It ensures that its Business decisions and Supply chain management take into account the risks it poses to the environmental.

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from. ‘Best and ‘Top’ is a rating which is subject to our consideration and is not rated against all Australian credit cards. We recommend you take this information into account when comparing credit cards.