St. George Credit Cards

How to select the right St.George Credit Card:

St George Bank are one of the most prominent financial providers in Australia, and offer some of the best 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.

 

 

Comparison of St George Bank Credit Cards

Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate	Annual fee	Interest free days (up to)
St George Vertigo	One of the cheapest credit card available in Australia for purchases. Earn shopping and entertainment discounts complimentary with St George 'Instant Benefits'. Good credit rating required for balance transfer approval.	12.49%	21.24%	2.99% for 6 months	$55	55
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	18.49%	20.49%	0.99% for 6 months	$79	55
St George Platinum Card	Also a exceptionally low platinum card interest rate, and annual fee. Extensive travel insurance and benefits, and a 5 star Cannex credit card rating.	15.74%	21.24%	3.99% for 6 months	$89	55
St.George Visa Debit Card	You must apply for an Online Personal Account with St George before receiving a Visa Debit Card. $0 monthly fee for 6 months, followed by a fixed $7 monthly.	Debit Card	Debit Card	N/A	$0/$7	Debit Card

St.George Bank Overview

The St.George Bank of has a colorful history and a remarkable story. Find out how this bank came to life and how it is doing now in this article.

The St.George Bank began in the late 1840s with the merging of the State Bank of South Australian and the Savings Bank of South Australia. George Cross was assigned to the position of chairman of the board of the St.George Cooperative Building Society Limited, which was established several years later. After a months time, the Cronulla & District Co-operative Building Society was established and in 1945 these two firms merged. Expansion began with 38 branches being opened. With the merging of the two, the St.George and Cronulla Societies was formed.

It was proclaimed to be a Permanent Building Society during the� St.George and Cronulla Societies' annual general meeting. It set a goal of providing its members financial assistance by purchasing residential areas that were owner-occupied.

This Society began to expand in the 1960s. Sydney and Miranda were the first branches that were opened at that time. It underwent aggressive growth and became one of the leading providers of financial counseling services, home loans and secure investment opportunities in New South Wales. Along with this growth, over 40 new agencies were formed in different towns including Double Bay and Murwillumbah.

Happy Dragon, the Society icon, came into being in 1970. The Happy Dragon's first appeared during the celebration of Capt. Cook's arrival in Australia.

Slim lining the banking operations, the society decided to go online and was the first Building Society to use the Internet efficiently to make transactions. An IBM mainframe computer was installed and had 30 terminals connected to it. It also set up an electronic banking system to be used online and the introduced the black light signature system, which allowed customers the convenience of doing their banking at any branch.

St.George Bank had its assets reach $1 billion in 1979. It also became the biggest building Society in the country with over 100 branches and 800 employees. It earned its banking license and banking status in 1992 and became a full-service bank after the purchase of Barclay's Commercial Banking division. During the 1990s, St.George also purchased KPMG Financial Services and SEALCORP, launched Business Banking and merged with Advance Bank. BankSA was also established.

In early 2000, the St.George Bank became hugely successful after making several purchases. It took over the Deutsche Bank market lending business and the Scottish Pacific Business Finance Group. St.George was really growing with a 20% increase in profit, and there were more than 400 branches across the country in 2003.

In 2006, St.George net profits rose by 17.9% and it earned $1 billion in profit for the year. It did better than expected, especially since the economy was experiencing some rough times.

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.

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 No Annual Fee Credit Card
• St George Vertigo MasterCard Credit Card
• St George Starts Low Stays Low Credit Card
• St George Gold Low Rate Credit Card
• St George Platinum Credit Card

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.

The St.George Bank has recently started outsourcing work to offshore countries such as India and Bangalore. Approximately 70 IT tasks have been moved to India and 100 service jobs with credit cards and loans moved to Bangalore.

The St.George Bank of Australia 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.

See the St George Overlimit & Late Payment Fees here

Why are St George Bank Interest Rates Typically So Much Lower?

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.

St George Credit Cards

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.

St. George Bank is considered to be one of the top 20 public companies in Australia, and there are presently more than 9,000 St George employees. St George started as a housing bank back in 1937 and it has been growing steadily ever since. In 1992, St George became a fully-fledged financial services company, and now St George credit cards and its other products are highly thought of across the whole of Australia.

 

 

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.

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.

* 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.

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• St.George Amplify Credit Card – Rewards Credit Card Offer From St.George
  

  If you are looking for a great rewards card that gives you more choices then you should check out the new St.George Amplify card. Read this article to find out why it is your best choice for a rewards card.



• Amplify Rewards Program Credit Card From St.George
  

  This credit card offers cardholders the ability to gain Amplify Rewards Points, which they can then redeem for a wide range of goods and services. Amplify Rewards Points can also be redeemed for Airline points or miles.



• Tips to Get Discounts & Upgrades with Credit Cards
  

  Credit cards are well known for offering customers rewards in the form of card discounts, card upgrades, and free gifts. How do these rewards work and how can we maximise our return from them?



• St.George Amplify Rewards Credit Card Terms & Conditions
  

  The Amplify Rewards credit card contains a number of terms and conditions that potential cardholders should be aware of. Some of these are typical legal disclaimers that all credit card companies make. Some are specific to the Amplify Rewards program.



• St.George Amplify Rewards Options – Amplify Qantas & Amplify Rewards
  

  With the St.George Amplify Rewards program you get the best of both worlds. This unique program lets you choose between switching your points to the Amplify Qantas Frequent Flyer program or to the Amplify Rewards program that works more like a traditional rewards scheme. Either choice gives you plenty of chances to earn with no expiry and no maximum points ceiling on your points.



• St.George Amplify Credit Card – Frequently Asked Questions
  

  St.George Amplify Rewards Credit Card is a new credit card product recently introduced by St.George Bank. The card offers some unique rewards programs which are particularly attractive to frequent flyers on domestic airlines in Australia. This article answers some of the frequently asked questions on this new product.



• How To Redeem Amplify Rewards Points – Amplify Rewards Catalogue
  

  Amplify Reward Points can be redeemed for a variety of goods and services. This includes items such as home wares and appliances, gift cards, food and wine and many more. The Points Plus Pay option makes it even easier to redeem the Amplify Reward Points.



• St.George Vertigo MasterCard Credit Card Review
  

  Many of us are looking for low rate credit cards to lower our credit card debt and stay on top of our finances. With the many offers to go through, you may want to consider St.George’s standard MasterCard. St.George carries and array of features and benefits that will make their offer too good to pass up.



• St.George Amplify Credit Card Rewards Program
  

  There is a new rewards program that St.George is now offering that has benefits promising to make you smile. With the myriad of rewards programs to choose from, St.George has made the advantages too good to pass up. With quality merchandise, entertainment options and airline partners to take you all over the globe, there’s something to satisfy even the finickiest customer.



• St.George Amplify Credit Card Guide
  

  St.George has just released the new Amplify credit card. This guide will discuss the major features of this new credit card. The Amplify credit card offers cardholders the ability to obtain Amplify points which can then be redeemed for a wide range of rewards.



• How to Earn Amplify Rewards Points
  

  The Amplify Rewards credit card is a rewards credit card that has just been launched by St.George. This card offers a great rewards program which allows cardholders to earn Amplify Rewards Points by making purchases with the credit card. These points can then be redeemed for a wide range of products and services.



• St. George Amplify Rewards Credit Card Review
  

  Hot of the press, brought to you by St.George Bank, the Amplify Credit Card is set to take on Australian consumers by storm thanks to its revolutionary Rewards Program concept. To find out how you can get your hands onto one of these cards, please read on…



• St.George Amplify Rewards Credit Card – Details & Application
  

  With the latest addition to the St.George credit card stable you now have the option to Amplify your lifestyle thanks to the St.George Amplify Credit Card. Read on how this card can elevate your status from zero to hero in next to no time.



• St.George Balance Transfer
  

  The St.George Vertigo MasterCard is a low interest credit card deal from St.George with a balance transfer option allowing you to transfer your non-St.George credit cards to your new St.George Vertigo MasterCard to repay your existing credit card balances at a lower interest rate.



• Using Your St.George Credit Card Overseas
  

  Featured St.George Credit Card Offer
  The St.George Vertigo MasterCard is called the low rate shopping card as it allows you to save with a low ongoing rate on purchases, up to 55 days interest free on purchases and a low rate on balance transfers for up to 6 months

  $55 annual fee
  12.49% p.a. on purchases
  2.99% p.a. for [...]



• St.George Vertigo Promotional Rates
  

  With interest rates rising, St.George Vertigo promotional rates offer customers one of the lowest rate credit cards available. Offering a low 2.99% p.a. for 6 months on balance transfers and on purchases made using your credit card, this could be a great way to get ahead financially.

  Best Introductory Credit Card
  The St. George Vertigo MasterCard offer [...]



• St.George Vertigo MasterCard eStatements
  

  Using St.George Vertigo eStatements gives you freedom to access all of your account information all of the time. You never have to wait for the mail to see your transaction history. You also get to do a little bit to save the earth by using less paper.
  St.George Vertigo eStatements make your [...]



• St.George Vertigo MasterCard – Among The Best Credit Cards In Australia
  

  If you want the best credit cards Australia offers then St.George Vertigo is the card for you. This credit card gives you low rates on purchases and balance transfers. Right now they even have a limited time purchase interest rate.
  Without question one of the best credit cards Australia has to offer [...]



• St.George Vertigo MasterCard Passing On RBA Interest Rate Cuts
  

  Understand why the St.George Vertigo MasterCard is geared to meeting the customer’s needs. Discover the great combination of offers, rates and fees that make this card so well-respected amongst independent commentators.
  Back in May 2009 it was noted by credit card industry-watchers that St.George wasn’t playing the game properly by dropping [...]



• St.George Vertigo MasterCard Security
  

  Safe online shopping is easy with St.George credit card security. They offer Verified by Visa and MasterCard Secure Code to all of their cardholders. This service adds protection that was previously only available for in person transactions.
  At St.George credit card security is a priority, especially when their customers shop online. [...]





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Editor's Choice: Our Top Credit Cards




Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
HSBC Credit Card	Editor's Choice: 0% for 6 months Balance Transfer & No Annual Fee Featuring a $0 annual fee for life, and 0% p.a. balance transfer for 6 months, the HSBC Credit Card was voted the Best Transactor Credit Card for 2010.	16.99%	20.75%	0% for 6 months	$0	55
Suncorp Clear Options Standard Visa Card	A great 12 month balance transfer offer, combined with a low annual fee and a good interest rate on purchases.	12.24%	17.99%	1.9% for 12 months	$39	0