St.George Bank
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St.George Credit Cards

Compare St.George credit card offers for balance transfers, rewards, low rate and no annual fee options – with expert reviews.

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Amy Bradney-George

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St.George is a well-known bank in Australia that competes with the Big 4 Banks, and is actually a part of Westpac Group. Its credit card range includes 0% interest rate offers, bonus points and frequent flyer rewards, low-cost options and premium cards with extra perks.

St.George Credit Card Offer

St.George Vertigo Card - Cashback Offer

Receive up to $400 cashback

Offer ends 30 April 2024

Eligibility criteria, terms and conditions, fees and charges apply

St.George Credit Card Offer

The St.George Vertigo credit card features up to $400 cashback offer and a low variable interest rate on purchases.

  • Up to $400 cashback when you shop at any eligible supermarket
  • Annual fee: $55 p.a. | Up to 55 days interest-free on purchases
  • Purchase rate of 13.99% p.a. and cash advance rate of 21.49% p.a.
  • Compatible with Apple Pay, Google Pay and Samsung Pay
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Compare St.George Bank Credit Cards

Updated regularly
Name Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
St.George Vertigo Card - Cashback Offer
Purchase rate p.a.
13.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
6.99% for 12 months, then 21.49%
Annual fee
$55
Go to siteMore Info
 Get up to $400 cashback at eligible supermarkets and petrol stations in the first 180 days. Plus, a low interest rate for purchases.
St.George Amplify Signature
Amplify Rewards
Purchase rate p.a.
19.49%
Bonus points
150,000
Points per $ spent
1.5
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 24 months with 1% balance transfer fee, then 21.49%
Annual fee
$199 first year ($295 after)
Go to siteMore Info
 150,000 bonus Amplify Points (worth $675 in gift cards) when you spend $12,000 in the first 12 months. Plus, a first-year annual fee discount.
St.George Amplify Platinum
Amplify Rewards
Purchase rate p.a.
19.49%
Bonus points
100,000
Points per $ spent
1
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 24 months with 1% balance transfer fee, then 21.49%
Annual fee
$49 first year ($124 after)
More Info
 Earn 100,000 bonus Amplify Points (worth $450 in gift cards) when you spend $3,000 in the first 90 days. Plus, a first-year annual fee discount.
St.George Vertigo Card
Purchase rate p.a.
13.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 32 months, then 21.49%
Annual fee
$55
More Info
 Get a 0% p.a. interest rate on balance transfers for 32 months (with no balance transfer fee).
St.George No Annual Fee
Purchase rate p.a.
20.74%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
Annual fee
$0
More Info
 Save with a $0 annual fee. Plus, a minimum credit limit of $500.
St.George Vertigo Rainbow Card
Purchase rate p.a.
13.99%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 32 months, then 21.49%
Annual fee
$55
More Info
 Offers 0% p.a. on balance transfers for 32 months (with no BT fee). Plus, all the low cost features of the Vertigo Visa with a rainbow design in support of the LGBT community.
St.George Amplify Platinum - Qantas
Qantas Frequent Flyer
Purchase rate p.a.
19.49%
Bonus points
60,000
Points per $ spent
0.5
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 24 months with 1% balance transfer fee, then 21.49%
Annual fee
$174 first year ($199 after)
More Info
 Earn 60,000 bonus Qantas Points, plus enjoy 0% p.a. on balance transfers for 24 months with a 1% BT fee and first-year annual fee discount.
St.George Amplify Signature - Qantas
Qantas Frequent Flyer
Purchase rate p.a.
19.49%
Bonus points
90,000
Points per $ spent
0.75
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 24 months with 1% balance transfer fee, then 21.49%
Annual fee
$370
More Info
 Get 90,000 bonus Qantas Points when you spend $6,000 using your new card within 90 days from approval and 2 Qantas Club lounge invitations per year.
St.George Amplify Business
Amplify Rewards / Qantas Frequent Flyer
Purchase rate p.a.
19.49%
Bonus points
N/A
Points per $ spent
1
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
Annual fee
$0 first year ($89 after)
More Info
 Save with a $0 annual fee for the first year and earn uncapped points on eligible business spending.
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Types of credit cards from St.George

  • St.George balance transfer credit cards

If you have an existing credit card debt with a bank other than St.George, BankSA or Bank of Melbourne, choosing a St.George credit card with an introductory low or 0% balance transfer rate can help you save on interest and pay off the debt faster.

At the end of the introductory period, any debt remaining from the transfer will attract the card's variable cash advance rate. As this rate can be high, you'll get the most value from a balance transfer offer if you can pay it off during the introductory period.

  • St.George rewards credit cards

St.George Amplify Rewards credit cards earn points per $1 on your eligible spending – which covers most everyday purchases. You can redeem your points for rewards including gift cards, retail items and travel through the Amplify Rewards program. Or, transfer your points to Velocity Frequent Flyer or Singapore Airlines KrisFlyer, with a minimum transfer of 3,000 Amplify points giving you 1,500 frequent flyer points.

  • St.George frequent flyer credit cards

St.George offers two Qantas credit cards: the Amplify Platinum Qantas Card and the Amplify Signature Qantas Card. With one of these cards, you'll need to include your Qantas Frequent Flyer details when you apply. If you already have an Amplify credit card, you can switch to Amplify Qantas by calling the Amplify Rewards centre on 1300 489 586.

Get more value: St.George rewards and frequent flyer credit cards also offer a "Birthday bonus", giving you an extra 10% on the points you've earned over the 12 months to your birthday. You can also get mix of other perks on these cards, including complimentary travel and purchase insurance, airport lounge passes and concierge services.

  • St.George low rate credit cards

The St.George Vertigo credit card offers a low interest rate on purchases and competitive annual fee. This card can help you save on interest charges if you carry a balance from month-to-month and want to cut down on standard card costs.

  • St.George no annual fee cards

The St.George No Annual Fee credit card offers a $0 annual fee for the life of the card. Outside of any promotions, its interest rate for purchases is 20.74% p.a., which makes it suited to people who can pay off the card each month to take advantage of interest-free days.

  • St.George business credit cards

If you want a credit card for your business spending, you can choose between two with St.George: The St.George Amplify Business Card, which earns you reward points per $1 spent and the St.George BusinessVantage, which offers a low interest rate for purchases. Both of these cards offer you additional cards for your employees, complimentary insurance covers and export options for MYOB, BAS and Microsoft Excel.

Benefits of getting a credit card with St.George Bank

Some of the key features you can get with a St.George credit card include:

  • Contactless payments

St.George credit cards are enabled with Visa payWave, meaning you can use your card to "tap and go" to make contactless payments at participating merchants. You can also make payments from your mobile phone or another compatible device with the following mobile wallets:

Apple PayGoogle PaySamsung PayFitbit PayGarmin Pay
YesYesYesNoNo

  • My Offers Hub

A personal St.George card gives you access to discounts and offers with brands such as Myer, Priceline and THE ICONIC. To see the latest deals through the My Offers Hub, you just have to log in to your account and go to the "My offers and benefits" section on mobile or Internet banking.

  • Instalment plans

St.George offers 0% interest instalment plans for new purchases, giving you a structured way to pay them off over 3, 6 or 12 months. Known as Plan&Pay, you can set up an instalment plan for any credit card purchase over $200 that you've made in the previous 30 days, and can cancel it at any time. While there's no interest for these instalment plans, you'll pay an upfront fee of 1% for a 3-month plan, 2% for 6-month plans and 4% for 12-month plans.

  • Security

St.George credit cards come with 24/7 fraud monitoring and support services to help keep your account safe. If you suspect any suspicious transactions or need to report a lost, stolen or damaged card, you can contact the St.George 24/7 customer service centre in Australia on 1800 028 208 or overseas on +61 2 9155 7800. The St.George Fraud Money Back Guarantee also means you won't have to cover the cost of fraudulent transactions if they're made on your credit card.

Eligibility criteria

When you apply for a St.George credit card, you'll need to meet a set of eligibility criteria. These are different for each card, but all St.George credit cards have the following requirements:

  • Residency status. You must be a citizen or permanent resident of Australia to apply online. If you are a temporary resident you can apply in-branch or over the phone.
  • Age. You must be at least 18 years of age.
  • Credit history. You must have a good credit rating.

How long does it take to apply?

It takes around 10 minutes to apply online if you already have accounts with St.George, and around 20 minutes if you're a new customer. You'll then get a response within 60 seconds of submitting your completed application

If you need more time while you're filling in the application, you can also save it and finish it any time within 30 days from when you started it.

Information and documents you need to apply

St.George credit card applications are made up of a mix of basic, personal details and information that's specific to how you earn income and your other financial responsibilities. This includes the following:

  • Personal information. This includes your full name, date of birth, address and contact details. You also need to provide a valid form of ID, such as your driver’s licence, Medicare card, Passport, Australian birth certificate or NSW Photo Card (if relevant).
  • Employment information. This includes your employment status, occupation, income and your employer's contact details. You may also need to provide recent payslips or other proof of income.
  • If you're self-employed. Provide details of your most recent tax statements and your accountant's contact information.
  • Financial information. As well as income from any other sources, you need to include details of any other assets, savings or investments. You also need to provide information about any debts you have, such as existing credit cards or loans, and regular expenses. If you have earned money overseas, you'll also need to provide details of your foreign tax details.

Have a question about the application? Call St.George on 13 33 30 and someone will be able to help you through the process.

Credit card details

During the application, you'll be asked about details of your new St.George credit card. The two key details to look at are the following:

  • Credit limit. If you have a credit limit in mind for the credit card, you can include a request for that amount as part of the application. Just keep in mind that this is subject to St.George's lending criteria and assessment, and in some cases the actual limit you get could be lower than the one you requested.
  • Balance transfers. If you're moving a debt to a new St.George credit card with a 0% balance transfer rate, you need to include the account details and the amount of debt you want to transfer. Note that the balance transfer is approved separately and the amount that's transferred depends on the credit limit you get for your new St.George card.

What happens after you apply?

You'll get an initial response within 60 seconds of submitting your application online, and someone from St.George will contact you if any more details are needed.

If you're approved, you'll usually get your new credit card in the mail. Note that you may need to get the card from a branch if St.George needs to verify your ID, but you'll be told by St.George if that's the case.

Frequently asked questions

Want to compare a wider range of credit cards? Check out the latest offers for rewards, low rates, balance transfer credit cards and more.

  1. St.George credit card support
  2. St.George My Offers Hub
  3. St.George Amplify Rewards program information

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