St.George balance transfer guide

Want to save money and pay of credit card debt with a St.George balance transfer? Here's what you need to know.

St.George has a range of balance transfer credit cards that offer low or 0% introductory interest rates for debts you move from existing accounts. These offers can help you save money on interest charges and consolidate card debts so that you can pay off your balance faster. If you’re looking to complete a balance transfer with St.George, this guide will walk you through the application process step-by-step.

St.George Vertigo Platinum - Online Offer

0% p.a. for 24 months on balance transfers with no BT fee
$0 annual fee for the first year

Offer ends 14 January 2018

Eligibility criteria, terms and conditions, fees and charges apply

St.George Credit Card Online Offer

A platinum card that features a no BT fee balance transfer offer, first year annual fee waiver and a low variable interest rate on purchases.

  • $0 p.a. annual fee for the first year ($99 p.a. thereafter).
  • 12.74% p.a. on purchases
  • Cash advance rate of 21.49% p.a.
  • Up to 55 days interest free
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Rates last updated December 14th, 2017
$
% p.a.

Your search criteria didn't return any products. Click to reset your filter options and search again
Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Amount Saved Product Description
St.George Vertigo Platinum - Online Offer
0% p.a. for 24 months
12.74% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Platinum card benefits plus 0% p.a. for 24 months on balance transfers (with no BT fee) and $0 annual fee in the first year. Ends 14 January 2018.
St.George Amplify Card
3% p.a. for 36 months
19.49% p.a.
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Take advantage of a 3% p.a. interest rate on balance transfers for 36 months. Plus, a $0 first year annual fee and 1.00 Amplify Point per $1 spent.
St.George Amplify Signature
19.49% p.a.
$279 p.a.
Receive 90,000 bonus Amplify or Qantas Points when you spend $5,000 within 90 days and earn up to 1.50 Amplify points per $1 spent.
St.George Amplify Signature - Amplify Qantas
19.49% p.a.
$279 p.a.
Receive 90,000 bonus Qantas Points when you spend $5,000 within 90 days and receive two complimentary Qantas Club Lounge invitations per year.
St.George Amplify Platinum
19.49% p.a.
$99 p.a.
Receive 60,000 bonus Amplify or Qantas Points when you spend $3,000 within 90 days and earn up to 1.00 Amplify point per $1 spent.
St.George Amplify Platinum - Amplify Qantas
19.49% p.a.
$99 p.a.
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days and earn up to 0.50 Qantas points per $1. Plus, included travel insurance.
St.George Vertigo Platinum
0% p.a. for 24 months with 1% balance transfer fee
12.74% p.a.
$99 p.a.
Offers a long-term balance transfer, low ongoing purchase rate, complimentary travel insurance and access to a 24/7 personal concierge service.
St.George Vertigo Visa
0% p.a. for 18 months with 1% balance transfer fee
13.24% p.a.
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Save with a $0 first year annual fee and a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.
St.George No Annual Fee
0% p.a. for 12 months with 1% 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 a 0% p.a. for 12 months balance transfer offer.

Compare up to 4 providers

Rates last updated December 14th, 2017
$
% p.a.

Your search criteria didn't return any products. Click to reset your filter options and search again
Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Amount Saved Product Description
St.George Vertigo Platinum - Online Offer
0% p.a. for 24 months
12.74% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Platinum card benefits plus 0% p.a. for 24 months on balance transfers (with no BT fee) and $0 annual fee in the first year. Ends 14 January 2018.
NAB Premium Card - Exclusive Offer
0% p.a. for 25 months
19.74% p.a.
$90 p.a.
Exclusive to finder.com.au, enjoy a no BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
Citi Platinum Credit Card - 100k Bonus Points
0% p.a. for 15 months with 1% balance transfer fee
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 100,000 reward Points, enjoy a long-term balance transfer offer, a discounted first year annual fee and complimentary travel insurance.
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 12 months
0% p.a. for 3 months (reverts to 19.74% p.a.)
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Exclusive to finder, get 0% p.a. interest on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Ends 17 December 2017.
HSBC Platinum Credit Card
0% p.a. for 22 months with 2% balance transfer fee
19.99% p.a.
$129 p.a.
Receive a 0% p.a. for 22 months balance transfer offer and earn 1 Reward Point per $1 of eligible spend. Plus, complimentary travel insurance.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 18 months
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with 0% p.a. for 18 months on balance transfers, earn 3 bonus Velocity Points per $1 for the first 3 months and get a yearly $129 Gift Voucher.
Westpac Low Rate Card - Online Only Balance Transfer Offer
0% p.a. for 24 months with 2% balance transfer fee
13.49% p.a.
$59 p.a.
Take advantage of 0% p.a. for 24 months on balance transfers with a 2% balance transfer fee when you apply online by 31 January 2018.
Virgin Money Low Rate Credit Card
0% p.a. for 14 months
11.99% p.a.
$49 p.a.
Receive a discounted annual fee, $100 cashback when you meet the spend requirement and up to 14 months interest-free on balance transfers.
NAB Low Fee Card
0% p.a. for 16 months with 2% balance transfer fee
19.74% p.a.
$30 p.a.
Receive complimentary purchase protection insurance, a 16 month balance transfer offer and special offers from Visa Entertainment.
Bankwest Breeze Classic Mastercard
0% p.a. for 24 months with 2% balance transfer fee
12.99% p.a.
$79 p.a.
Receive a long-term balance transfer offer of 0% p.a. for 24 months, a low ongoing purchase rate and up to 55 interest-free days on purchases.
Bank of Melbourne Vertigo Platinum
0% p.a. for 24 months with 1% balance transfer fee
12.74% p.a.
$99 p.a.
Offers a long-term balance transfer, low ongoing purchase rate, complimentary travel insurance and access to a 24/7 personal concierge service.
NAB Low Rate Platinum Card
4.99% p.a. for 6 months
0% p.a. for 9 months (reverts to 13.99% p.a.)
$100 p.a.
A platinum card that offers 0% p.a. for 9 months on purchases. Plus 4.99% p.a. on balance transfers for 6 months.
Citi Rewards Platinum Credit Card
0% p.a. for 24 months with 1.5% balance transfer fee
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Offers a long-term balance transfer. Earn extra points on eligible international spend, plus complimentary travel insurance.
Woolworths Everyday Platinum Credit Card
0% p.a. for 14 months
19.99% p.a.
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $50 eGift Card when you meet the offer criteria, a 0% p.a. for 14 month balance transfer offer and a $0 first year annual fee.
Bankwest Breeze Platinum Mastercard
0% p.a. for 24 months with 2% balance transfer fee
12.99% p.a.
$99 p.a.
Receive a 0% p.a. interest rate on balance transfers for 24 months, complimentary travel insurance and 0% foreign transaction fees.
BankSA Vertigo Visa
0% p.a. for 18 months with 1% balance transfer fee
13.24% p.a.
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Save with a $0 first year annual fee and a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.
American Express Essential Credit Card
0% p.a. for 12 months with 3% balance transfer fee
14.99% p.a.
$0 p.a.
Get Smartphone Screen Insurance of up to $500 when you pay for your phone or contract with this card. Plus, a $0 annual fee for life.
American Express Explorer Credit Card
0% p.a. for 12 months with 1% balance transfer fee
20.74% p.a.
$395 p.a.
Receive a yearly $400 Travel Credit, 50,000 bonus points and up to 2 entries per year to the American Express Lounge at Sydney International Airport.
Virgin Australia Velocity Flyer Card - 0% Interest Offer
0% p.a. for 6 months
0% p.a. for 14 months (reverts to 20.74% p.a.)
$129 p.a.
Save with 0% p.a. on purchases for 14 months and 0% p.a. on balance transfers for 6 months. Plus, earn up to 0.66 Velocity Points per $1 spent.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
0% p.a. for 18 months
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.
Australian Military Bank Low Rate Visa Credit Card
0% p.a. for 12 months
10.99% p.a.
$49 p.a.
Enjoy a 0% p.a. for 12 month balance transfer offer with no BT fee, up to 55 interest-free days on purchases, add an additional cardholder for $0.
St.George Amplify Card
3% p.a. for 36 months
19.49% p.a.
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Take advantage of a 3% p.a. interest rate on balance transfers for 36 months. Plus, a $0 first year annual fee and 1.00 Amplify Point per $1 spent.
HSBC Low Rate Credit Card
0% p.a. for 20 months with 2% balance transfer fee
13.25% p.a.
$79 p.a.
Receive up to 20 months interest-free on balance transfers with a 2% BT fee. Also enjoy exclusive offers with the home&Away Privilege Program.
Bank of Melbourne Amplify Card
0% p.a. for 18 months with 1% balance transfer fee
19.49% p.a.
$79 p.a.
Take advantage of a 0% p.a. for 18 months balance transfer offer, earn 1 Amplify point per $1 spent and get up to 55 days interest-free on purchases.

Compare up to 4 providers

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Balance transfers with St.George

A balance transfer with St.George allows cardholders with an outstanding balance on a high interest rate credit card to transfer their debt (or debts) to a new St.George credit card. Balance transfer credit cards offer promotional periods of low or 0% interest to help you consolidate your debts without paying the price that comes from high interest rates.

What are the benefits of completing a balance transfer with St.George?

Some of the benefits you could enjoy from a St.George balance transfer include:

  • Significant savings. The low introductory interest rates available with St.George balance transfer credit cards allow you to save money on interest charges while you pay off your debt.
  • Debt consolidation. If you have more than one credit card debt, transferring your outstanding balances onto one credit card can help you manage your repayments more easily. As well as savings on interest, you could also improve your credit score through this process.
  • Pay off debt faster. With low or no interest charges during the introductory period, you should be able to put more money towards paying off your debt on a new St.George balance transfer card. Note that the aim of a balance transfer is to make the most of the low interest period and have your debt repaid before the card reverts to a higher standard variable interest rate.
  • Simple application process. The application process for a St.George balance transfer credit card is relatively simple and shouldn’t take more than 15 minutes online. Make sure you’ve met the eligibility requirements and have all of the required documents before applying to speed up the process. Approval is subject to St.George's lending criteria, and you should get a response soon after you submit your application. Once your card is approved and activated, your balance transfer will take up to 14 days to complete.

What else should I consider?

  • Transfer limit. A minimum of $200 applies per transfer request. You can transfer as much of the other credit or store card balance as you would like, up to 80% of the available credit limit of your new St.George credit card. When applying for your card, make sure the credit limit will be enough to support your debt.
  • Eligibility requirements. Remember to check the eligibility requirements for your chosen St.George balance transfer credit card before you apply. This will ensure you choose a card that suits your financial circumstances and needs, and can also help increase your chances of approval.
  • Closing your old account. You’ll need to contact your previous credit card provider to close your old account if you want to avoid paying ongoing fees.
  • Are there any transfer fees? St.George will not charge you a balance transfer fee for the transaction.
  • Will St.George accept a balance transfer from my current bank? St.George has some restrictions on who you can balance transfer between. Balance transfers will not be accepted from another St.George, Bank of Melbourne or BankSA credit card. You can double check if your bank is eligible here.
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Tips on how to apply for a balance transfer with St. George

Before you apply for a St.George balance transfer credit card make sure that you fulfill the eligibility requirements and have your relevant details on hand for the application.

The eligibility requirements you’ll need to meet include:

  • Age. You must be at least 18 years old.
  • Residency. You need to be a permanent Australian resident.
  • Credit rating. You’ll need a good credit rating to receive approval.


The details you'll need to provide include:

  • 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

Steps to complete a St.George balance transfer

1. Choose a credit card. Once you’ve compared your options, you can select the card you wish to apply for by clicking on the "Go to Site" button.


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Here you’ll also need to provide the credit limit you wish to apply for. Keep in mind that your balance transfer can only be up to 80% of your credit limit, so factor this in when entering the limit you want to apply for.

Screenshot at Feb 29 16-42-32

2. About you. You will need to complete your name, contact number and address in this section. Make sure to have proof of identification, such as your driver’s license, handy before completing this part of the application.

3. Employment. This section asks you to provide your job description and income. Make sure to have any recent invoices, payslips and bank statements ready for this section. You’ll also need to provide the contact details of your employer, so organise these before applying.

stgemployment

4. Assets and liabilities. If you have any assets, liabilities or other expenses you will need to declare them here.

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5. Request your balance transfer. Press "Yes" to the question "Do you have any credit cards/ store cards?". You will be required to fill in the details of your credit card or cards in this section.

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6. Review and submit. Before you submit your application, it is important you double check the information you’ve provided is correct and ensure that you have a thorough understanding of the terms and conditions.

7. Application submitted. Your application will be reviewed immediately and you will be updated of the progress after 60 seconds. Your application will be approved, pending or declined. If it has been declined, you might need to repair your credit score before applying for another card.

After submitting your application

8. Tracking your application. You can continue to track your application by logging onto St.George internet banking, or by requesting updates via email or SMS once each stage of the process is completed.

9. Identity check. If you aren’t an existing St.George customer, you might be required to provide further information before your application is approved.. You’ll be asked to provide additional documents or further proof to validate the information you’ve already provided. St. George may also issue a credit rating check to assess you as a lending risk.

10. Existing St.George credit card holders. If you’re already a St.George customer, you won’t have to provide as much information as the bank should already have access to most of your personal details. To apply to transfer a balance to your existing St.George credit card, simply complete the balance transfer request form available on the website. You won’t need to provide as many details as a new St.George customer, but remember that you won’t be able to transfer balances from existing St.George accounts.

11. Successful applicants. Successful applicants can expect to have their card within five to ten working days. 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 and activate your card. Once this has been completed, allow up to 14 days for St.George to complete the balance transfer request.

A balance transfer with St.George could help you pay down existing debt faster. But it's also important to compare St.George balance transfer cards with a wide range of other options so that you can choose a card that really suits your needs.

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