St.George credit cards

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

By   |   Verified by David Boyd   |   Updated 2 Jul 2024

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Comparing St.George credit cards

St.George Vertigo Visa

Apply by 31 July 2024

St.George Vertigo Visa

Balance transfer

28 months at 0% p.a.

Purchase rate

13.99% p.a. ongoing

Annual fee

$55.00 p.a. ongoing

Highlights

  • Benefit from a 28-month 0% interest period on Balance Transfers, accompanied by a 1% balance transfer fee. Afterwards, it switches to a cash advance rate of 21.49% 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 28 months on balance transfers with no balance transfer fee.
  • 13.99% p.a. low variable interest rate on purchases.
  • Low annual fee of $55 p.a.

Cons

  • Balance transfer rate reverts to 21.49% p.a. after 28 months.
  • There are no rewards program for this card.
St.George Amplify Platinum Credit Card (Qantas)

Apply by 31 July 2024

St.George Amplify Platinum Credit Card (Qantas)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$99.00 for 1st year

Highlights

  • Up to 70,000 bonus Qantas Points earned upon spending $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • 0% p.a. interest for 24 months on balance transfers with a 1% balance transfer fee, which then reverts to the cash advance rate.
  • Pay an annual fee of $99 for the first year ($124 thereafter).
  • Earn 0.5 points per $1 spent (uncapped). Additionally, receive a complimentary Qantas membership fee, saving you $99.50!

Pros

  • The 70,000 bonus Qantas Points.
  • 0% p.a. for 24 months on balance transfers.
  • Discounted annual fee on the first year.
  • Complimentary travel and purchase insurance.

Cons

  • There is a 1% balance transfer fee.
  • Points earning rate of 0.5 points is lower than others.
St.George Amplify Platinum Credit Card (Amplify)

Apply by 31 July 2024

St.George Amplify Platinum Credit Card (Amplify)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

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.
  • 0% interest for 24 months on balance transfers with a 1% balance transfer fee, which then reverts to the cash advance rate of 21.49% p.a.
  • Enjoy a discounted annual fee of $49 p.a. for the first year ($124 p.a. annual fee thereafter).

Pros

  • The 100,000 bonus Amplify Points.
  • Earn uncapped Amplify Points per dollar on eligible purchases.
  • 0% p.a. for 24 months on balance transfers.
  • Comes with complimentary insurance (terms, conditions, exclusions, and eligibility criteria apply).
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • There is a 1% balance transfer fee. Other cards offer 0% balance transfer fee.
St.George Amplify Signature Credit Card (Amplify)

Apply by 31 July 2024

St.George Amplify Signature Credit Card (Amplify)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

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).
  • 0% p.a. interest for 24 months on balance transfers with a 1% balance transfer fee applied to transferred amounts.
  • 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 a 1% balance transfer fee.
St.George Amplify Signature Credit Card (Qantas)

On website

Apply by 31 July 2024

St.George Amplify Signature Credit Card (Qantas)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$295.00 p.a. ongoing

Highlights

  • Receive up to 90,000 bonus Qantas Points upon spending $6,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • Enjoy 0% p.a. for 24 months on balance transfers with a 1% balance transfer fee on transferred amounts.
  • Benefit from complimentary overseas travel insurance for up to 6 months.

Pros

  • The 90,000 bonus Qantas Points.
  • 0% p.a. for 24 months on balance transfers.
  • Includes complimentary overseas travel insurance for up to 6 months

Cons

  • There is a 1% balance transfer fee.
  • The annual fee of $295 p.a.
St.George Amplify Business Credit Card

St.George Amplify Business Credit Card

Balance transfer

N/A

Purchase rate

19.49% p.a. ongoing

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

St.George Amplify BusinessVantage Credit Card

Balance transfer

N/A

Purchase rate

9.99% p.a. ongoing

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

St.George No Annual Fee Credit Card

Balance transfer

N/A

Purchase rate

20.74% p.a. ongoing

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.