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 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
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,
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
How do I transfer my balance when I am setting up a new St.George credit card?
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)
How long does it take to transfer a balance?
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.
How much can I transfer across to a balance transfer?
You can transfer a minimum of $200 up to 95% of your approved credit limit to a new St.George credit card.
If I do a balance transfer, do I also get interest-free days?
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.
I can’t choose between the two rewards programs, caI i switch between them?
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.
Which transactions will earn points on the accounts?
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.
How much is the minimum repayment per statement period?
You must repay at least 2% of your total balance or $10 (whichever is greater) of the amount of outstanding amount each statement period.