St.George credit cards

Compare St.George credit card rates, fees, and rewards to make an informed decision about applying for a credit card.

Yvonne Taylor avatar
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Updated 4 Dec 2024   |   Rates updated regularly

Comparing of 8 St.George credit cards

St.George Vertigo Visa

Apply by 30 April 2025

St.George Vertigo Visa

Balance transfer

24 months at 0% p.a.

Purchase rate

13.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$55.00 p.a. ongoing

Highlights

  • Benefit from a 24-month 0% interest period on Balance Transfers, with a 1% balance transfer fee. Afterward, it switches to a cash advance rate of 21.99% p.a.
  • Enjoy a low variable interest rate of 13.99% p.a. on purchases.
  • The annual fee remains low at $55 p.a.

Pros

  • 0% p.a. for 24 months on balance transfers.
  • 13.99% p.a. low variable interest rate on purchases.
  • Low annual fee of $55 p.a.

Cons

  • Balance transfer rate reverts to 21.99% p.a. after 24 months.
  • There is a 1% BT fee.
  • There is no rewards program for this card.
St.George Amplify Platinum Credit Card (Qantas)

Apply by 30 April 2025

St.George Amplify Platinum Credit Card (Qantas)

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$99.00 for 1st year

Highlights

  • Earn 50,000 Qantas Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 0.5 points for every $1 spent on eligible domestic and overseas purchases.
  • Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
  • Earn cashback when you shop through St. George's ShopBack app.

Pros

  • Earn 50,000 bonus Qantas Points when you meet the criteria.
  • The discounted annual fee for the first year.
  • Get access to Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Earnings are capped at $100,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.5 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, worth it if you regularly earn points.
St.George Amplify Platinum Credit Card (Amplify)

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$49.00 for 1st year

Highlights

  • Earn 100,000 bonus Amplify Points upon spending $3,000 on eligible purchases within 90 days from card approval, potentially valued at up to $450 in eGift cards. Exclusions apply.
  • Enjoy a discounted annual fee of $49 p.a. for the first year ($124 p.a. annual fee thereafter).
  • Earn 1 point for every $1 spent on eligible purchases.

Pros

  • The 100,000 bonus Amplify Points.
  • Earn uncapped Amplify Points per dollar on eligible purchases.
  • Comes with complimentary insurance (terms, conditions, exclusions, and eligibility criteria apply).
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • There is promotional balance transfer offer at the moment.
St.George Amplify Signature Credit Card (Amplify)

Apply by 30 April 2025

St.George Amplify Signature Credit Card (Amplify)

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$199.00 for 1st year

Highlights

  • Up to 150,000 Bonus Amplify Rewards Points earned upon spending $12,000 on eligible purchases within the first 12 months from card approval.
  • Initial card fee of $199 for the first year ($295 p.a. thereafter).
  • Comes with complimentary overseas travel insurance coverage for up to 6 months.

Pros

  • The 150,000 bonus Amplify Rewards Points.
  • Save $96 with the $199 card fee for the first year.
  • Enjoy 2 complimentary Priority Pass lounge visits each year when you enroll in Priority Pass.
  • Comes with concierge services.

Cons

  • After the initial year, the annual fee is $295 p.a.
  • There is no promotional balance transfer offer at the moment.
St.George Amplify Signature Credit Card (Qantas)

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$295.00 p.a. ongoing

Highlights

  • Receive up to 80,000 bonus Qantas Points upon spending $6,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • Earn 0.75 Qantas points per $1 spent on eligible transactions.
  • Benefit from complimentary overseas travel insurance for up to 6 months.

Pros

  • The 80,000 bonus Qantas Points.
  • Enjoy 2 Qantas lounge passes every year.
  • Includes complimentary overseas travel insurance for up to 6 months

Cons

  • The annual fee of $295 p.a.
St.George Amplify Business Credit Card

Balance transfer

N/A

Purchase rate

19.49% p.a. ongoing

Interest-free days

55 days

Annual fee

$0.00 for 1st year

Highlights

  • $0 annual card fee for the first year ($89 p.a. thereafter).
  • Get up to 3 additional cards for employees at no extra cost.
  • Up to 55 interest-free days on purchases.

Pros

  • No annual card fee for the first year.
  • Choose between Amplify Rewards or Qantas Frequent Flyer rewards.
  • No cap on how many points can be earned from eligible spending.
  • Includes transit accident insurance and unauthorised transaction insurance.

Cons

  • The cash advance interest rate of 20.24% p.a.
  • Relatively few additional cardholders.
  • Additional cardholders are free.
St.George Amplify BusinessVantage Credit Card

Balance transfer

N/A

Purchase rate

9.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$55.00 p.a. ongoing

Highlights

  • Enjoy a low rate of 9.99% p.a. on purchases and 17.15% p.a. on cash advances.
  • Get up to 99 additional cardholders with individual card limits.
  • Up to 55 days interest-free on purchases.

Pros

  • Competitive interest rates for purchases.
  • Complimentary insurance against unauthorized transactions.
  • Up to 55 days interest-free on purchases.
  • Add up to 99 additional cardholders.

Cons

  • The $55 p.a. annual card fee.
  • It's $55 p.a. per additional card.
  • No rewards program.
St.George No Annual Fee Credit Card

Balance transfer

N/A

Purchase rate

20.74% p.a. ongoing

Interest-free days

55 days

Annual fee

$0.00 p.a. ongoing

Highlights

  • No annual fee requirement for the duration of card ownership.
  • Experience up to 55 days interest-free on purchases.
  • Benefit from a low minimum credit limit.

Pros

  • No annual fee for life.
  • Up to 55 days interest-free.
  • As low $500 credit limit.

Cons

  • No rewards program for this card.
  • Ongoing rates are not low.

More about St.George credit cards

Details about St.George's interest rates, fees, rewards, and benefits.

  • FAQs

Can I apply for a credit card with St.George and keep my existing bank account?

Yes. You can apply for a credit card from St.George and run your existing bank account as usual. You do not need to switch accounts.

Will I be able to manage my account online or using my phone?

Yes. St.George have had online banking for years. You can use it to perform all the usual tasks, e.g. review recent transactions, set up payments, etc.

Apart from the usual telephone banking service, they also have apps for your smartphone.

What types of cards does St.George offer?

A selection of credit cards are available from St.George, offering choices such as no annual fee, low balance transfer rates and more.

The Platinum Visa credit card has historically offered a relatively low annual fee, a range of complimentary travel and purchase insurance covers, and the option for a low interest balance transfer. The St.George Amplify credit card provides access to a choice of two rewards schemes: Amplify Rewards or Amplify Qantas Rewards.

What are the benefits of transferring other balances to St.George?

You can save money when you transfer a balance from a non-St.George credit card to a new St.George credit card with lower interest rates for the introductory period. You should be aware that the rate returns to the standard purchase rate when the introductory period ends.

Can I transfer a balance if I currently have a St.George credit card?

Yes, if you have an existing St.George credit card you can transfer a balance from a third party to your credit card. However, you may not get the promotional interest rate on balance transfers. You can compare promotional balance transfer deals from a range of banks here.

Can I transfer balances between St.George credit cards?

No. If you have more than one St.George credit card, you can make payments between cards using standard repayment methods, but a balance transfer is a different type of transaction and can only be made from non-St. George credit cards and debts.

Do I have to pay a fee for a balance transfer?

On some St.George credit cards there is a fee for balance transfers. Please also note that at the end of the promotional balance transfer period, your rate will revert to a higher interest rate, normally the variable cash advance rate applicable at the time, and any outstanding debt will be charged accordingly.

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