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 Visa

St.George Credit Card Offer

Enjoy a low rate balance transfer offer. The card also features a low ongoing purchase rate and a low annual fee.

  • $0 p.a. annual fee for the first year ($55 p.a. thereafter)
  • 13.24% p.a. on purchases
  • 0% p.a. for 14 months on balance transfers
  • Cash Advance Rate of 21.49% p.a.
  • Up to 55 days interest free

Rates last updated July 21st, 2017
$
% p.a.

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Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved Product Description
St.George Vertigo Visa
0% p.a. for 14 months
13.24% p.a.
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Receive up to 55 days interest-free on purchases and the ability to make contactless payments with Visa payWave technology.
St.George Vertigo Platinum
0% p.a. for 20 months
12.74% p.a.
$99 p.a.
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
St.George Amplify Signature
19.49% p.a.
$279 p.a.
Earn up to 3 Amplify Rewards Points per $1 spent and receive two complimentary airport lounge passes per year.
St.George Amplify Signature - Amplify Qantas
19.49% p.a.
$279 p.a.
Fly faster with up to 1.5 Qantas Points per $1 spent and receive 2 complimentary Qantas Lounge Passes.
St.George Amplify Platinum
19.49% p.a.
$99 p.a.
Earn up to 2 Amplify Rewards Points per $1 spent and receive complimentary overseas travel insurance.
St.George Amplify Platinum - Amplify Qantas
19.49% p.a.
$99 p.a.
Fly faster with up to 1 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
St.George Amplify Card
19.49% p.a.
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Earn an uncapped 1 Amplify Rewards point per $1 spent and request an additional cardholder at no extra cost.
St.George No Annual Fee
0% p.a. for 14 months
20.49% p.a.
$0 p.a.
Receive up to 55 days interest-free on purchases, a low minimum credit limit of $500 and Visa payWave for contactless payments.

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Rates last updated July 21st, 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 Interest Saved Product Description
Virgin Australia Velocity Flyer Card - Exclusive Offer
0% p.a. for 18 months
20.74% p.a.
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Apply by 31 July 2017 to earn bonus Velocity Points for the first three months and a $129 Virgin Australia Gift Voucher each year.
St.George Vertigo Platinum
0% p.a. for 20 months
12.74% p.a.
$99 p.a.
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
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.
St.George Vertigo Visa
0% p.a. for 14 months
13.24% p.a.
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Receive up to 55 days interest-free on purchases and the ability to make contactless payments with Visa payWave technology.
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)
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months.
HSBC Platinum Credit Card
0% p.a. for 22 months with 2% balance transfer fee
19.99% p.a.
$99 p.a.
Earn 1 Reward Point per $1 of eligible spend and receive complimentary travel and purchase protection insurances.
Bank of Melbourne Vertigo Platinum
0% p.a. for 20 months
12.74% p.a.
$99 p.a.
Get a range of complimentary insurance covers, access to a 24/7 concierge and up to 55 days interest-free on purchases.
BankSA Vertigo Visa
0% p.a. for 14 months
13.24% p.a.
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Get up to 55 days interest-free on purchases and be protected by 24/7 Falcon® Fraud service.
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, special offers from Visa Entertainment and up to 44 days interest-free on purchases.
HSBC Low Rate Credit Card
0% p.a. for 15 months with 2% balance transfer fee
13.25% p.a.
$55 p.a.
Receive up to 55 days interest-free on purchases. Also enjoy exclusive offers with the home&Away Privilege Program.
Virgin Money Low Rate Credit Card
0% p.a. for 12 months
11.99% p.a.
$99 p.a.
Receive up to 44 days interest-free on purchases and the optional insurance coverage of CreditShield Edge.
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% BT fee. Plus, the convenience of the Westpac mobile banking app.
NAB Low Rate Platinum Card
0% p.a. for 16 months with 2% balance transfer fee
13.99% p.a.
$100 p.a.
Enjoy the protection of 7 complimentary insurances including overseas travel and purchase protection insurance.
ANZ Low Rate Platinum
0% p.a. for 16 months with 2% balance transfer fee
11.49% p.a.
$99 p.a.
Enjoy platinum benefits with exclusive discounts, complimentary travel and purchase insurances and a 24/7 personal concierge.
American Express Essential®  Credit Card
0% p.a. for 12 months with 1% 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 your Essential Credit Card.
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 $100 eGift Card when you apply by 30 September 2017 and make an eligible purchase by 31 October 2017.
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 $400 Travel Credit every year and up to two entries per year to the American Express Lounge at Sydney International Airport.

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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 95% 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 95% 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.

  • Title
  • First name
  • Surname
  • Name to appear on your card
  • Date of birth
  • Marital status
  • Drivers license details (if you have one)
  • Mobile number
  • Email
  • Confirm email
  • Residential status
  • Address line 1
  • City, town or suburb
  • State
  • Postcode
  • Length of time at address (years and months)
  • Do you have a different mailing address?

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 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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