Benefits of getting a credit card with St.George Bank
Some of the key features you can get with a St.George credit card include:
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 make payments from your mobile phone or another compatible device with the following mobile wallets:
Apple Pay
Google Pay
Samsung Pay
My Offers Hub
A personal St.George card gives you access to discounts and offers with brands such as Myer, Priceline and THE ICONIC. To see the latest deals through the My Offers Hub, you just have to log in to your account and go to the "My offers and benefits" section on mobile or Internet banking.
Instalment plans
St.George offers 0% interest instalment plans for new purchases, giving you a structured way to pay them off over 3, 6 or 12 months. Known as Plan&Pay, you can set up an instalment plan for any credit card purchase over $200 that you've made in the previous 30 days, and can cancel it at any time. While there's no interest for these instalment plans, you'll pay an upfront fee of 1% for a 3-month plan, 2% for 6-month plans and 4% for 12-month plans.
Security
St.George credit cards come with 24/7 fraud monitoring and support services to help keep your account safe. 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. The St.George Fraud Money Back Guarantee also means you won't have to cover the cost of fraudulent transactions if they're made on your credit card.
How to apply for a St.George credit card
Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.
Frequently asked questions
If you have a question about a new or existing St.George credit card, you can call the bank on 13 33 30 between 8am and 8pm, Monday to Saturday.
For lost, stolen or misplaced cards, you can call 1800 028 028 from Australia, or +612 9155 7800 from overseas. Alternatively, you could contact St.George via online chat through the St.George website, or manage your account through Internet and Mobile Banking.
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 4 weeks 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 80% 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.
Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024.
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