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.
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 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.
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 20.99% 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.
What do Australians think of St.George credit card provider?
3.62/5 overall for Customer Satisfaction - lower than the average of 4.06
3.91/5 for Trust - lower than the average of 4.4
3.76/5 for Customer Service - lower than the average of 4.06
We added St.George's scores in the 2024 Finder Customer Satisfaction Awards.
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 Pay
Google Pay
Samsung Pay
Fitbit Pay
Garmin Pay
Yes
Yes
Yes
No
No
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
If you have a question about a new or existing St.George credit card, you can call the bank on 13 33 30 between 8am and 8pm, Monday to Saturday.
For lost, stolen or misplaced cards, you can call 1800 028 028 from Australia, or +612 9155 7800 from overseas. Alternatively, you could contact St.George via online chat through the St.George website, or manage your account through Internet and Mobile Banking.
If you have an existing debt on a credit card from another bank, you can request a balance transfer when you apply for a new St.George credit card. If the card and the balance transfer are approved, St.George will arrange to transfer the balance from your old account to the new card once you have activated it. Note that you cannot transfer debts from existing St.George, Bank of Melbourne or BankSA cards.
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 an identification check at a St.George branch and activate your card.
You can transfer a minimum of $200 and up to 80% of your approved credit limit to a new St.George credit card.
Yes, if you have debt on an existing card from another bank, you can request a balance transfer onto your current St.George credit card. Note that any balance transfer request you make will be subject to St.George's lending criteria and approval. As with introductory balance transfers, you also won't be able to move debt if it's on an existing St.George, Bank of Melbourne or BankSA card.
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 ask for a Program Switch Request form.
If you have a St.George credit card that earns rewards, you'll earn points for most everyday purchases. This includes shopping at the supermarket, retail stores, petrol stations and at restaurants or online stores. But transactions that are not eligible to earn points include balance transfers, BPAY transactions and cash advances (including getting cash out). Refer to the Amplify and Amplify Qantas rewards card terms and conditions booklet available on the St.George website for full details of what transactions will and won't earn points.
You must repay at least 2% of your total balance or $10 (whichever is greater) by the due date on each statement period.
Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio
Amy's expertise
Amy has written 543 Finder guides across topics including:
Designed especially for larger businesses, the St.George Corporate Mastercard offers unlimited cards for employees and a suite of finance management tools.
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