🎂 Turned 31 this year? Get health insurance before your price rises.
Get cover

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 Credit Card Online Offer

St.George Vertigo Platinum - Online Offer

0% p.a. for 24 months
on balance transfers
with a one-time 1% balance transfer fee

Offer ends 30 June 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 balance transfer, $0 first year annual fee combined with a low interest rate on purchases when you apply online.

  • 0% p.a. on balance transfers for 24 months with a one-time 1% BT fee. Reverts to variable cash advance rate (19.49% p.a.)
  • $0 annual fee for the first year ($99 p.a. thereafter)
  • A low variable interest rate of 12.74% p.a. on purchases
  • Wide range of platinum features including complimentary overseas travel insurance and a 24/7 personal concierge service.
  • Online-only offer for new card applications. Balance transfer must be requested at card application.
Go to site
Promoted
Rates last updated June 24th, 2018
$
% 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 with 1% balance transfer fee
12.74% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Platinum card benefits including complimentary insurance, plus first year annual fee waiver and 0% p.a. for 24 months on balance transfers.
St.George Vertigo Visa
0% p.a. for 18 months with 1% balance transfer fee
13.74% p.a.
$55 p.a.
Enjoy a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.
St.George Amplify Signature - Qantas
19.49% p.a.
$279 p.a.
Receive 90,000 bonus Qantas Points when you spend $4,000 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 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 Rainbow Vertigo Visa
0% p.a. for 18 months with 1% balance transfer fee
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
19.49% p.a.
$279 p.a.
Receive 90,000 bonus Amplify Points when you spend $4,000 within 90 days and receive two complimentary airport lounge passes per 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.
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 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.

Compare up to 4 providers

Rates last updated June 24th, 2018
$
% 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
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.
HSBC Platinum Credit Card
0% p.a. for 22 months with 2% balance transfer fee
19.99% p.a.
$0 p.a. annual fee for the first year ($129 p.a. thereafter)
Offers a 0% p.a. for 22 months balance transfer, $0 annual fee for the first year and an annual fee refund each year when you spend $6,000.
St.George Vertigo Platinum - Online Offer
0% p.a. for 24 months with 1% balance transfer fee
12.74% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Platinum card benefits including complimentary insurance, plus first year annual fee waiver and 0% p.a. for 24 months on balance transfers.
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.
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.
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 discounted annual fee, $100 cashback when you meet the spend requirement 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 18 months with 1% balance transfer fee
13.74% p.a.
$55 p.a.
Enjoy a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.
St.George Vertigo Visa
0% p.a. for 18 months with 1% balance transfer fee
13.74% p.a.
$55 p.a.
Enjoy a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.
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.
BankSA Vertigo Platinum - Online Offer
0% p.a. for 24 months with 1% balance transfer fee
12.74% p.a.
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Online only: A low rate platinum card with 0% p.a. on balance transfers for 24 months. Plus, $0 annual fee for the first year.

Compare up to 4 providers

Back to top

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.
Back to top

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.

St.G

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.

StGBT

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.

Back to top
Was this content helpful to you? No  Yes

Related Posts

Credit Card Offers

Important Information*
Westpac Low Rate Card
Westpac Low Rate Card

Interest rate

13.49

Annual fee

59
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

129
St.George Vertigo Platinum - Online Offer
St.George Vertigo Platinum - Online Offer

Interest rate

12.74

Annual fee

99

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.
Ask a question
Go to site