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 offers a range of balance transfer credit cards that come with low or 0% interest for a promotional period. If you transfer your existing debt (or debts) to one of these cards, you can save money on interest charges and pay off your debt faster. If you're considering doing a balance transfer with St.George, you can use this guide to compare current offers and learn the steps you need to take to complete your balance transfer.

St.George Credit Card Online Offer

St.George Vertigo Platinum - Online Offer

0% p.a. for 25 months on balance transfers

Offer ends 2 October 2018

Eligibility criteria, terms and conditions, fees and charges apply

St.George Credit Card Online Offer

The St.George Vertigo Platinum credit card offers a long-term 0% balance transfer with no balance transfer fee when you apply online, combined with a low interest rate on purchases.

  • $99 p.a. annual fee.
  • 12.74% p.a. on purchases
  • Cash advance rate of 19.49% p.a.
  • Up to 55 days interest free
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Promoted
Rates last updated August 21st, 2018
$
% p.a.

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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 25 months
12.74% p.a.
$99 p.a.
Get platinum perks and save with 0% p.a. interest for up to 25 months on balance transfers with no BT fee.
St.George Amplify Signature - Qantas - Online Offer
19.49% p.a.
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Offers 90,000 bonus Qantas Points when you spend $4,000 within 90 days, two yearly Qantas Club lounge passes and a reduced first year annual fee.
St.George Vertigo Visa
0% p.a. for 16 months
13.74% p.a.
$55 p.a.
Get 0% p.a. interest for up to 16 months on balance transfers with no BT fee. Plus, a competitive annual fee.
St.George Amplify Platinum
19.49% p.a.
$99 p.a.
Receive 50,000 bonus Amplify or Qantas Points when you spend $2,000 within 90 days and earn 0.5 Qantas Points or 1 Amplify Point per $1 spent.
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 3% p.a. interest on balance transfers for 36 months. Plus, a $0 first year annual fee and Amplify or Qantas Points per $1 spent.
St.George Rainbow Vertigo Platinum Card
0% p.a. for 24 months with 1% balance transfer fee
12.74% p.a.
$99 p.a.
Available for a limited time, all the platinum features of the Vertigo Platinum Visa with a rainbow design in support of the LGBT community.
St.George Rainbow Vertigo Visa
0% p.a. for 16 months
13.74% p.a.
$55 p.a.
Available for a limited time, all the great low cost features of the Vertigo Visa with a rainbow design in support of the LGBT community.
St.George Amplify Signature - Online Offer
19.49% p.a.
$179 p.a. annual fee for the first year ($279 p.a. thereafter)
Enjoy a discounted $179 first year annual fee, 90,000 bonus Amplify Points and 2 complimentary lounge passes. Offers end on 2 October 2018.
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.
St.George Amplify Business Credit Card
0% p.a. for 12 months (reverts to 19.49% p.a.)
$0 p.a. annual fee for the first year ($89 p.a. thereafter)
A business card that comes with 0% p.a. on purchases for the first 12 months and no annual fee for the first year.
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.

Compare up to 4 providers

Rates last updated August 21st, 2018
$
% p.a.

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Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Amount Saved Product Description
Westpac Low Rate Card
0% p.a. for 24 months with 1% balance transfer fee
13.49% p.a.
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
Citi Clear Platinum - Exclusive Offer
0% p.a. for 24 months with 1.5% balance transfer fee
14.99% p.a.
$49 p.a. annual fee for the first year ($99 p.a. thereafter)
finder Exclusive: Receive 0% p.a. for 24 months on balance transfers and a discounted annual fee in the first year. Plus, access to Citi World Privileges.
HSBC Platinum Credit Card
0% p.a. for 22 months with 2% balance transfer fee
19.99% p.a.
$129 p.a.
Offers a 0% p.a. for 22 months balance transfer and an annual fee refund each year when you spend $6,000.
St.George Vertigo Platinum - Online Offer
0% p.a. for 25 months
12.74% p.a.
$99 p.a.
Get platinum perks and save with 0% p.a. interest for up to 25 months on balance transfers with no BT fee.
NAB Low Fee Platinum Card
0% p.a. for 24 months with 2% balance transfer fee
19.74% p.a.
$90 p.a.
Offers 7 complimentary insurance covers, a 0% p.a. for 24 month balance transfer and access to a 24/7 concierge service for a $90 p.a. annual fee.
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 and enjoy a discounted annual fee of $64 for the first year.
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.
Citi Simplicity Card
0% p.a. for 15 months with 1.5% balance transfer fee
19.99% p.a.
$0 p.a.
Save with 5% cashback on eligible purchases (capped at $50 per month) for the first 90 days from approval. Plus, a 15 month balance transfer offer.
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)
Take advantage of 0% p.a. on balance transfers for up to 18 months. $64 in the first year ($129 p.a. thereafter), plus, bonus Velocity Points.
NAB Low Fee Card
0% p.a. for 18 months with 2% balance transfer fee
19.74% p.a.
$30 p.a.
Receive complimentary purchase protection insurance, a 18 month balance transfer offer and special offers from Visa Entertainment.
Virgin Money Low Rate Credit Card
0% p.a. for 14 months
11.99% p.a.
$49 p.a.
Offers a $49 annual fee, 10% cashback on purchases made in the first 3 months (capped at $100) and 0% p.a. for 14 months on balance transfers.
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.
BankSA 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)
Receive a 3% p.a. for 36 months balance transfer and earn Qantas or Amplify Points per $1 spent. Plus, enjoy a $0 annual fee for the first year.
BankSA Vertigo Visa
0% p.a. for 16 months
13.74% p.a.
$55 p.a.
Enjoy a 0% p.a. interest rate for up to 16 months on balance transfers with no balance transfer fee. Plus, a low ongoing purchase rate.
St.George Vertigo Visa
0% p.a. for 16 months
13.74% p.a.
$55 p.a.
Get 0% p.a. interest for up to 16 months on balance transfers with no BT fee. Plus, a competitive annual fee.
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.
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 3% p.a. interest on balance transfers for 36 months. Plus, a $0 first year annual fee and Amplify or Qantas Points per $1 spent.
NAB Low Rate Platinum Card
0% p.a. for 6 months with 2% balance transfer fee
0% p.a. for 9 months (reverts to 13.99% p.a.)
$100 p.a.
Enjoy a 0% p.a. interest rate offer on purchases for 9 months and the protection of 7 complimentary insurances including overseas travel insurance.
American Express Velocity Escape Card
0% p.a. for 12 months with 1% balance transfer fee
20.74% p.a.
$0 p.a.
Earn uncapped Velocity Points on purchases, pay $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
American Express Explorer Credit Card
0% p.a. for 12 months with 1% balance transfer fee
20.74% p.a.
$395 p.a.
Receive 50,000 bonus Membership Rewards points, a yearly $400 Travel Credit and 2 entries per year to the American Express Lounge.
Citi Rewards Platinum Credit Card
0% p.a. for 26 months with 2.5% balance transfer fee
20.99% p.a.
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn reward Points per $1 spent, take advantage of a 0% p.a. for 26 month balance transfer offer, plus complimentary international travel insurance.
Bank of Melbourne 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. for 36 months balance transfer offer, Amplify or Qantas points per $1 spent and enjoy a $0 annual fee for the first year.
NAB Low Rate Platinum Card - Online Offer
0% p.a. for 6 months with 2% balance transfer fee
13.99% p.a.
$100 p.a.
Enjoy $20 cashback per month for the first 12 months, up to $240 when you apply online and spend $1,500 per statement period.

Compare up to 4 providers

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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:

  • Save on interest costs. 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. Depending on the card, these interest-free offers can sometimes last up to 25 months. You can compare the current balance transfer offers from St.George in the table above.
  • Consolidate multiple debts. If you have more than one credit card debt, you can consolidate up to two debts under one account when you transfer them to your new St.George credit card. Then you can manage your debts under one account and pay them all off with a low or 0% interest rate.
  • Pay off debt faster. With low or no interest charges during the introductory period, you should be able to clear your debt faster. The low or 0% interest rate will only apply for a promotional period, so it's important to clear your debt before it ends and the revert rate applies.
  • 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. You can see a step-by-step guide to the application process below.

What else should I consider?

  • Is there a transfer limit? You can transfer a minimum of $200 up to 80% of the approved credit limit to your new St.George credit card. So if you have a card with a credit limit of $10,000, you could only transfer a debt of up to $8,000. If you try to transfer more than 80% of the limit, the leftover debt will remain in your old account and continue to collect interest.
  • What are the eligibility requirements? Remember to check the eligibility requirements for your chosen St.George balance transfer credit card before you apply. This could include a minimum annual income, residential status and good credit history.
  • Will St.George accept a balance transfer from my current bank? St.George doesn't accept balance transfers from other St.George, Bank of Melbourne or BankSA credit cards. You can double check if your bank is eligible here.
  • Are there any transfer fees? Some St.George credit cards charge a one-time balance transfer fee when you first move your balance, but others don't. You'll find a full list of the relevant fees and charges in the product reviews on finder.
  • Do I need to close my old account? Once your balance transfer is complete, you’ll need to contact your previous credit card provider to close your old account if you want to avoid paying ongoing fees.
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How to apply for a balance transfer with St. George

Before you apply for a St.George balance transfer credit card, you'll need to make sure that you meet the eligibility requirements and have the necessary information to complete 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.

stgassets

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 receive 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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Sally McMullen

Sally McMullen is an editor at finder.com.au who is a credit cards, frequent flyer and travel money expert by day and music maven by night.

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