St.George Credit Cards

Compare the latest low rate, balance transfer, rewards and no annual fee credit cards from St.George.

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 and is known for its 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. From low rate and balance transfer cards to rewards and premium products, you can compare your St.George credit card options below.

St.George Vertigo Visa

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)
  • 13.24% p.a. on purchases
  • 0% p.a. for 14 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 June 29th, 2017
Name Product Product Description Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Bonus Points
St.George Vertigo Visa
Receive up to 55 days interest-free on purchases and the ability to make contactless payments with Visa payWave technology.
0% p.a. for 14 months
13.24% p.a.
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
St.George Vertigo Platinum
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
0% p.a. for 20 months
12.74% p.a.
$99 p.a.
St.George Amplify Signature
Earn up to 3 Amplify Rewards Points per $1 spent and receive two complimentary airport lounge passes per year.
19.49% p.a.
$279 p.a.
60,000 bonus points
St.George Amplify Signature - Amplify Qantas
Fly faster with up to 1.5 Qantas Points per $1 spent and receive 2 complimentary Qantas Lounge Passes.
19.49% p.a.
$279 p.a.
60,000 bonus points
St.George Amplify Platinum
Earn up to 2 Amplify Rewards Points per $1 spent and receive complimentary overseas travel insurance.
19.49% p.a.
$99 p.a.
40,000 bonus points
St.George Amplify Platinum - Amplify Qantas
Fly faster with up to 1 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
19.49% p.a.
$99 p.a.
40,000 bonus points
St.George Amplify Card
Earn an uncapped 1 Amplify Rewards point per $1 spent and request an additional cardholder at no extra cost.
19.49% p.a.
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
St.George No Annual Fee
Receive up to 55 days interest-free on purchases, a low minimum credit limit of $500 and Visa payWave for contactless payments.
0% p.a. for 14 months
20.49% p.a.
$0 p.a.

Compare up to 4 providers

Types of credit card products from St.George Bank

Whether you're looking to consolidate debt and save on interest or earn points as you spend, you can compare your St.George credit card options below:

  • Balance transfer credit cards

St.George offer balance transfer promotions to help you repay your existing credit card debt with no interest for a promotional period. While you can pay down your debt faster and save on interest with a 0% balance transfer offer, remember that any remaining balances will collect the standard purchase rate at the end of the promotional period.

  • Low rate credit cards

The low rate credit cards from St.George range offer a low variable interest rate on purchases and a competitive annual fee. These cards can be suitable for individuals who don't always repay their card in full each statement period or want to cut down on standard card costs.

  • Rewards credit cards

St.George rewards credit card holders can choose between two rewards programs: Amplify Rewards or Amplify Qantas. These cards let you earn reward points on eligible purchases, which you can redeem for a wide range of rewards including flights, accommodation, merchandise and shopping vouchers.

  • No annual fee card

This St.George card doesn't charge an annual fee for the life of the card. As a no frills card, it could come in handy for cardholders who want a basic product that can help save on regular card costs.

The benefits of banking with St.George Bank

Compare some of the perks you can expect across different St.George credit card offers below:

    • Earn reward points as you spend

St.George Amplify offers two rewards programs, Amplify Rewards and Amplify Qantas. This gives cardholders the flexibility to earn points that best suit their lifestyle and spending habits. If you opt to earn Amplify Rewards points as you spend, you can redeem them through the Amplify Rewards store for gift cards, appliances and homewares, events or experiences and travel.

If you choose the Qantas alternative, you'll earn frequent flyer points directly in your account which you can redeem for anything from flights and upgrades to travel packages and products through the Qantas online store.

  • Complimentary credit card travel insurance

Some St.George credit cards also come with complimentary travel insurance. As long as you use your card to cover at least $500 worth of prepaid travel costs (including return overseas travel tickets and accommodation) and you meet the eligibility requirements, you could enjoy cover for medical, loss and damage of personal items during your travels. As long as they meet the eligibility requirements, this complimentary insurance also covers your spouse or dependent children that are travelling with you. This cover is provided through QBE Insurance.

Please see our St.George complimentary credit card travel insurance guide for more information.

    • Security with St.George Fraud Money Back Guarantee

The St.George Fraud Money Back Guarantee ensures that cardholders are reimbursed if their credit card is used to make unauthorised transactions. St.George also use a wide network of secure systems and 24/7 fraud monitoring that detects any unusual activity on your account. 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,

    • 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 use eligible iPhone products (using iOS 7 and above or an iPhone 4S or later) or Android smartphones or tablets (version 5 or above) to make digital mobile payments with Mobile PayWay.

How to apply for a St.George Bank credit card

You can securely apply for a St.George credit card online or in branch. 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.

Required documents and information

Once you've compared your options and checked you meet the eligibility requirements, you may need to have the following information on hand before applying:

  • 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

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)

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.

You can transfer a minimum of $200 up to 95% of your approved credit limit to a new St.George credit card.

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.

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.

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 a full list of the eligible and ineligible transactions that earn reward points. 

You must repay at least 2% of your total balance or $10 (whichever is greater) of the amount of outstanding amount each statement period.

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35 Responses to St.George Credit Cards

  1. Default Gravatar
    Jaz | September 28, 2015

    Please advise if your travel money card comes with user name imprinted on the front. Many thanks

    • Staff
      Sally | September 29, 2015

      Hi Jaz,

      Thanks for your inquiry.

      Please note that is an online comparison service, and is not connected with St.George.

      To answer your question though, the St.George website doesn’t mention that the card comes with a name printed on the front, just an expiry date and your card number. You may need to get in touch with St.George directly to confirm whether it is possible to order a card with your name on it.

      I hope this has helped.



  2. Default Gravatar
    Sam | April 17, 2015


    If I want to transfer my credit card balance from an existing STG credit card to another bank, is there fees involved from STG?

    • Staff
      Jonathan | April 17, 2015

      Hi Sam, thanks for your inquiry!

      To complete a balance transfer from a St.George credit card, apart from closing the card properly and clearing all remaining debt balances there are no other fees involved.



  3. Default Gravatar
    Mandy | February 9, 2015

    How long does it take to change to Amplify Platinum from my Gold Visa credit card? I am going overseas in September, how soon could I apply for the free travel insurance?

    • Staff
      Jonathan | February 10, 2015

      Hi Mandy, thanks for your inquiry!

      The transfer process for an existing St.George Card to an Amplify Credit Card is completed via a form from St.George’s website and can generally take up to 5 business days.
      To receive the complimentary travel insurance as per the terms and conditions “A cardholder becomes eligible for this Overseas travel insurance when, before leaving Australia on an overseas journey, they have a return overseas travel ticket, and A$500 of their prepaid travel costs (i.e. costs of their return overseas travel ticket; and/or airport/departure taxes; and/or their prepaid overseas accommodation/travel; and/or their other prepaid overseas itinerary items) have been charged to the cardholder’s eligible credit card account.”



  4. Default Gravatar
    Di | June 19, 2014

    where can i get a cash advance from my st george credit card?

    • Staff
      Shirley | June 20, 2014

      Hi Di,

      Thanks for your question.

      You can perform a cash advance through an ATM, or transferring funds online.

      Please note that the interest rate on cash advances will apply straight away, as well as a cash advance fee.


  5. Default Gravatar
    Patricia | April 19, 2014

    I need to find St George Internet Banking

    • Staff
      Shirley | April 22, 2014

      Hi Patricia,

      Thanks for your question.

      Please click the ‘online services’ tab on the top right hand corner of the official St.George homepage.


  6. Default Gravatar
    Faye | December 20, 2013

    Hello, I am currently in the USA…I want to purchase air fares over here using my St George debit card…could you please tell me how much is the currency conversion rates.
    Thank you ~

  7. Default Gravatar
    koben | November 15, 2013

    Hello. I’m an existing credit cardholder with St.George, I want to do a balance transfer from another bank. Is it possible to be a holder of two different credit cards with the same bank.
    Thank you.

    • Staff
      Jacob | November 15, 2013

      Hi Koben.

      Thanks for your question.

      If you already hold another St.George credit card, you can still apply for a new St.George credit card. The important thing is that you can’t hold two of the same account.

      I hope this helps.

  8. Default Gravatar
    rene | September 23, 2013

    Hi. How are credit card limits set for non residents on a student visa?

    • Staff
      Jacob | September 23, 2013

      Hi Rene.

      Thanks for your question.

      Credit limits for temporary residents seeking a credit card are set the same way as for permanent residents. In order to be eligible for one of the these cards, there are certain conditions you need to meet, i.e. earn over a certain amount each year. Your credit limit will be assessed based on your income. You can find out more about this on this page.

  9. Default Gravatar
    Shell | September 20, 2013

    Hi i already applied for the vertigo card and was accepted. The lady i spoke to said i would hve my card in 5 to 10 days and it has now been 15 how long till i get my card??

    • Staff
      Jacob | September 20, 2013

      Hi Shell.

      Thanks for your question.

      You should have your card already. Did you elect to get it sent to a branch? It may already be waiting for you at a St.George branch to pick up. If this isn’t the case, please speak to the lender to find out where your card is. You can find contact numbers on this page.

  10. Default Gravatar
    Tash | September 19, 2013

    Do you need to do a credit history check to get a merchant account???

Credit Cards Comparison

Rates last updated June 29th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent in the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 of eligible spend and receive complimentary travel and purchase protection insurances.
19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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