In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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St.George BusinessVantage Visa

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St.George BusinessVantage Visa
Terms and conditions apply
Purchase rate
9.99% p.a.
Annual fee
$55 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

Manage your business cash flow with up to 55 interest-free days and 9.99% p.a. on purchases with a new St.George BusinessVantage Visa.

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The St.George BusinessVantage Visa combines a low variable interest rate with tools to help you keep track of business spending – including the option of consolidated expense summaries by department or division. It also offers up to 55 days interest-free on purchases when you pay the total closing balance by the due date on each statement.


  • Charges a competitive 9.99% p.a. purchase rate
  • Up to 99 additional credit cards for your employees
  • Complimentary insurance against unauthorised transactions


  • Charges a 3% foreign transaction fee
  • Doesn't offer any rewards on your business spending

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The St.George BusinessVantage credit card is a low rate Visa designed for small-to-medium businesses, with a competitive purchase rate of 9.99% p.a. for new cards only.


Product details

Product Name St.George BusinessVantage Visa
Purchase rate p.a. 9.99%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 17.15%
Min credit limit $1,000
Card type Visa


Available to temporary residents No
Joint application No


Bonus points N/A


Annual fee $55
Late payment fee $0
Foreign currency conversion fee 3%
Cash advance fee 3%
Overseas cash advance fee 3% of each cash advance amount
Additional cardholder fee $55
Number of additional cardholders 99

Congratulations, St George!

St.George Business Vantage Visa won the award for 'Low Interest Business Credit Card' in the 2024 Product Awards.

Full list of 2024 winners

How to apply

You can apply for the St.George BusinessVantage at a branch or by calling the bank on 13 38 00. To get started, make sure you meet the following eligibility criteria and have all the documents and details you'll need for the application.

Eligibility criteria

  • Residency. You must be an Australian citizen or permanent resident.
  • Business requirements. You must plan to use this card primarily for business expenses. Your business also needs to be registered in Australia.

Card benefits

  • Competitive purchase rate. This card offers a low variable rate of 9.99% p.a. for purchases for new cardholders. If you're an existing cardholder, check your account or call St.George to find out what rate applies to purchases.
  • Up to 55 days interest-free. Pay the closing balance (including any balance transfer or promotional amount) by the statement due date each month to take advantage of interest-free days on your purchases.

Rates & fees

  • Annual fee. The St.George BusinessVantage has an annual fee of $55 per card.
  • Cash advance rate. This card has a variable interest rate of 17.15% p.a. for cash advance transactions. Cash advances are ineligible for interest-free days.

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