St.George Credit Cards

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

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

0% p.a. for 18 months on balance transfers
with a one-time 2% balance transfer fee

Offer ends 22 November 2017

Eligibility criteria, terms and conditions, fees and charges apply

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.

  • $55 p.a. annual fee.
  • 13.24% p.a. on purchases
  • 0.00% p.a. for 18 months with 2% BT fee on balance transfers
  • Cash advance rate of 21.49% p.a.
  • Up to 55 days interest free
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Compare St.George Bank Credit Cards

Rates last updated October 17th, 2017
% p.a.
Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Bonus Points Annual fee Amount Saved Product Description
St.George Vertigo Visa
0% p.a. for 18 months with 2% balance transfer fee
13.24% p.a.
$55 p.a.
Receive up to 55 days interest-free on purchases and the ability to make contactless payments with Visa payWave technology.
St.George Vertigo Platinum
0% p.a. for 24 months with 2% balance transfer fee
12.74% p.a.
$99 p.a.
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
St.George Amplify Signature
19.49% p.a.
60,000 bonus points
$279 p.a.
Earn up to 1.5 Amplify Rewards Points per $1 spent and receive two complimentary airport lounge passes per year.
St.George Amplify Signature - Amplify Qantas
19.49% p.a.
60,000 bonus points
$279 p.a.
Fly faster with up to 0.75 Qantas Points per $1 spent and receive two complimentary Qantas Lounge Passes.
St.George Amplify Platinum
19.49% p.a.
40,000 bonus points
$99 p.a.
Earn up to 1 Amplify Rewards Point per $1 spent and receive complimentary overseas travel insurance.
St.George Amplify Platinum - Amplify Qantas
19.49% p.a.
40,000 bonus points
$99 p.a.
Fly faster with up to 0.5 Qantas Points per $1 spent and receive complimentary overseas travel insurance.
St.George Amplify Card
0% p.a. for 18 months with 2% balance transfer fee
19.49% p.a.
$79 p.a.
Earn an uncapped 1 Amplify Rewards point per $1 spent and request an additional cardholder at no extra cost.
St.George No Annual Fee
0% p.a. for 12 months with 2% balance transfer fee
20.49% p.a.
$0 p.a.
Receive up to 55 days interest-free on purchases, a low minimum credit limit of $500 and Visa payWave for contactless payments.

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Types of credit cards from St.George Bank

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, choosing a St.George credit card that has an introductory low or 0% balance transfer rate can help you save on interest fees and pay it off faster. At the end of the introductory period, any remaining debt from the transfer 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 low variable interest rates on purchases and competitive annual fees. 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 offers two credit card rewards programs: Amplify Rewards and Amplify Qantas. With one of these cards, you can earn reward or frequent flyer points on eligible purchases. You'll then be able to redeem points a wide range of rewards including flights, accommodation, merchandise and shopping vouchers.

  • No annual fee card

The St.George No Annual Fee credit 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.

  • Business credit cards

St.George offers two different credit cards designed to help businesses manage their finances 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 also offer additional cards for your employees, complimentary insurance covers and simplified tax reporting options.

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.

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 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

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

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 95% 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.

St.George Bank is one of Australia’s leading retail and business banking brands, with a history dating back to 1937. In 2008, St.George became part of the Westpac Group.

It is known for its award-winning products, exceptional service, innovation, and financial advice for retail and business customers alike. As well as credit cards, St.George Bank offers a range of banking services including personal loans, home loans, insurance and business products.

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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

    • Staff
      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?

    • Staff
      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?

    • Staff
      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?

    • Staff
      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

    • Staff
      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.

    • Staff
      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?

    • Staff
      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??

    • Staff
      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

Rates last updated October 17th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 24 months
$90 p.a.
Exclusive to and available until 12 November 2017, enjoy a no BT fee, long-term balance transfer offer and complimentary insurances.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 18 months
$129 p.a.
Earn 3 bonus Velocity Points per $1 for the first 3 months, a first year annual fee refund and a yearly $129 Virgin Australia Gift Voucher.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$99 p.a.
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
ANZ Platinum Credit Card - Exclusive Offer
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)
Exclusive to finder, receive 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months with no balance transfer fee.
ME frank Credit Card
11.99% p.a.
$0 p.a.
Available in black or white, this no-fuss credit card offers the same rate on purchases and cash advances, plus card lock technology.

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* 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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