St.George Credit Cards

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

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St.George Bank

St.George credit cards are designed to suit a variety of goals, with options to help you save on account costs, earn points for your spending or benefit from extras such as complimentary insurance. You can also manage your work spending with a St.George business credit card.

As well as these options, you could get more value from a new St.George credit card through introductory 0% interest rates or bonus points offers. Use this guide to compare St.George credit cards and apply for one that suits your needs.

St.George Credit Card Offer

St.George Vertigo Classic

0% p.a. for 18 months on balance transfers

Offer ends 12 February 2020

Eligibility criteria, terms and conditions, fees and charges apply

St.George Credit Card Offer

Save with a 0% p.a. balance transfer offer. Plus, a low annual fee and purchase interest rate with the St.George Vertigo Classic Card.

  • 0% p.a. for 18 months on balance transfers (reverts to 21.49% p.a.)
  • A low interest rate of 13.99% p.a. on purchases
  • Annual fee of $55 p.a.
  • Additional cardholder at no extra cost
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Compare St.George Bank Credit Cards

Updated January 28th, 2020
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
St.George Vertigo Classic
13.99% p.a.
0% p.a. for 18 months
$55 p.a.
Get 0% p.a. interest for up to 18 months on balance transfers with no balance transfer fee. Plus, a low annual fee and purchase rate.
St.George Vertigo Card - Exclusive Offer
0% for 14 months, reverts to 13.99% p.a.
0% p.a. for 6 months
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Finder Exclusive:
Low rate card offering 0% p.a. interest on purchases for the first 14 months and on balance transfers for 6 months. Plus, a $0 first year annual fee.
St.George Vertigo Platinum
0% for 15 months, reverts to 12.99% p.a.
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
Features an introductory 0% p.a. purchase rate, $49 first year annual fee and complimentary travel insurance covers.
St.George Amplify Platinum - Qantas - Online Offer
19.74% p.a.
0% p.a. for 22 months
$99 p.a.
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and a 0% balance transfer for 22 months.
St.George Amplify Signature
19.74% p.a.
0% p.a. for 6 months
$139 p.a. annual fee for the first year ($279 p.a. thereafter)
Earn up to 200,000 bonus Amplify Points (130k in the first year & 70k in the second year) when you spend $12k / year for the first 2 years.
St.George Vertigo Classic Rainbow
13.99% p.a.
0% p.a. for 18 months
$55 p.a.
All the great low cost features of the Vertigo Visa with a rainbow design in support of the LGBT community.
St.George Rainbow Vertigo Platinum
0% for 15 months, reverts to 12.99% p.a.
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
All the platinum features of the Vertigo Platinum Visa with a rainbow design in support of the LGBT community.
St.George No Annual Fee
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$0 p.a.
Receive up to 55 days interest-free on purchases, a low minimum credit limit of $500 and a long-term balance transfer offer.
St.George Amplify Platinum - Online Offer
19.74% p.a.
0% p.a. for 22 months
$99 p.a.
Get 100,000 bonus Amplify Points when you spend $2,000 in the first 90 days. Plus, a balance transfer offer of 0% interest for 22 months.
St.George Amplify
19.74% p.a.
$79 p.a.
Earn uncapped Amplify or Qantas Points per dollar spent, plus, up to 55 days interest-free on purchases.
St.George Amplify Signature - Qantas
19.74% p.a.
0% p.a. for 6 months
$139 p.a. annual fee for the first year ($279 p.a. thereafter)
Get 80,000 bonus Qantas Points when you spend $6,000 in 90 days and 2 complimentary Qantas Club lounge invitations per year.
St.George Amplify Business
19.49% p.a.
$0 p.a. annual fee for the first year ($89 p.a. thereafter)
A business card that offers a 70,000 bonus Amplify or Qantas Points when you meet the minimum spend criteria and $0 first year annual fee.

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Types of St.George credit cards

St.George offers low rates on its Vertigo range of credit cards, rewards with its Amplify and Amplify Qantas cards, as well as a no annual fee card and platinum options. The bank also offers benefits for businesses with the Amplify Business and BusinessVantage cards.

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

  • 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 fees 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.

  • Low rate credit cards

St.George Vertigo credit cards offer low variable interest rates on purchases and competitive annual fees. These cards 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.

  • Rewards credit cards

St.George offers two credit card rewards programs: Amplify Rewards and Amplify Qantas. If you get a credit card linked to one of these programs, you'll earn reward or frequent flyer points for your eligible purchases. You can redeem your points a wide range of rewards including flights, accommodation, merchandise and shopping vouchers. If you're a Velocity Points collector, you can exchange 1 Amplify Point for 0.5 Velocity Points.

  • No annual fee cards

The St.George No Annual Fee credit card offers a $0 annual fee for the life of the card. As a no frills card, it could come in handy if you want the flexibility of credit without the high yearly cost.

  • Business credit cards

The range of St.George credit cards include two different options that can help you manage your business spending and cash flow. The St.George Business Amplify earns you reward points per $1 spent and the St.George BusinessVantage offers a low purchase rate. Both of these options also offer additional cards for your employees, complimentary insurance covers and export options for MYOB, BAS and Microsoft Excel.

The benefits of banking with St.George Bank

Some of the perks you can enjoy with a St.George credit card include:

  • Earn reward points as you spend

With a St.George rewards credit card, you have the choice of earning points through Amplify Rewards or Amplify Qantas. 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. They can also be exchange to partner airline programs, including Velocity.

If you choose Amplify Qantas, you'll earn Qantas Points for your frequent flyer account. You can then redeem them for anything from flights and upgrades to travel packages and products through the Qantas Store.

  • Complimentary credit card travel insurance

Some St.George credit cards 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 costs, loss and damage of personal items and more when you go overseas. You can also get cover for your spouse or dependent children when they travel with you and meet the eligibility requirements.

This cover is provided through Allianz Global Assistance. 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 devices to make contactless payments if you add your St.George card to your Samsung Pay, Apple Pay or Google Pay wallet.

How to apply for a St.George Bank credit card

Applying for a St.George credit card is easy and takes about 10 minutes online. Once you've compared cards and chosen one you like, make sure you meet the eligibility requirements for it. This can vary between St.George credit cards but usually includes the following:

  • Age. You must be at least 18 years of age.
  • Residency status. You must be a citizen or permanent resident of Australia.
  • Credit history. You must 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:

  • Personal information. This includes your full name, date of birth, address and contact details. You'll also need to provide a valid form of ID, such as your driver’s licence number.
  • Employment information. As well as your salary details, you'll need to provide information about your current role and employer. If you're self-employed you'll need to provide details of your latest tax statement and your accountant's contact information.
  • Financial information. This includes details of your income from all sources, as well as assets, savings and investments. You also need to provide information about any debts you have, such as existing credit cards or loans, and regular expenses.

Frequently asked questions

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35 Responses

  1. Default Gravatar
    JazSeptember 28, 2015

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

    • Avatarfinder Customer Care
      SallySeptember 29, 2015Staff

      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
    SamApril 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?

    • Avatarfinder Customer Care
      JonathanApril 17, 2015Staff

      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
    MandyFebruary 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?

    • Avatarfinder Customer Care
      JonathanFebruary 10, 2015Staff

      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
    DiJune 19, 2014

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

    • Avatarfinder Customer Care
      ShirleyJune 20, 2014Staff

      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
    PatriciaApril 19, 2014

    I need to find St George Internet Banking

    • Avatarfinder Customer Care
      ShirleyApril 22, 2014Staff

      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
    FayeDecember 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
    kobenNovember 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.

    • Avatarfinder Customer Care
      JacobNovember 15, 2013Staff

      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
    reneSeptember 23, 2013

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

    • Avatarfinder Customer Care
      JacobSeptember 23, 2013Staff

      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
    ShellSeptember 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??

    • Avatarfinder Customer Care
      JacobSeptember 20, 2013Staff

      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
    TashSeptember 19, 2013

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

Credit Cards Comparison

Updated January 28th, 2020
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee
HSBC Platinum Credit Card - Balance Transfer Offer
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
Enjoy a balance transfer offer, yearly annual fee refund, airport lounge passes and complimentary insurance covers.
St.George Vertigo Classic
13.99% p.a.
0% p.a. for 18 months
$55 p.a.
Get 0% p.a. interest for up to 18 months on balance transfers with no balance transfer fee. Plus, a low annual fee and purchase rate.
Coles No Annual Fee Mastercard
0% for 12 months, reverts to 19.99% p.a.
0% p.a. for 12 months
$0 p.a.
Offers 0% p.a. on purchases and balance transfers for the first 12 months and an ongoing $0 annual fee. Plus, earn flybuys for your eligible spend.
ANZ Low Rate
12.49% p.a.
0% p.a. for 15 months
$58 p.a.
Save with a 0% p.a. introductory rate on balance transfers for 15 months with no BT fee. Plus a low 12.49% p.a. interest rate on purchases.

Compare up to 4 providers

* 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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