St.George credit cards

Apply for a St.George credit card and you could save money or earn rewards points.

By   |   Verified by David Boyd   |   Updated 25th July 2022

Comparing St.George credit cards

St.George Vertigo Visa

On St.George's website

Offer extendedApply by 31 August 2022

St.George Vertigo Visa

Balance transfer

32 months at 0% p.a.

Purchase rate

13.99% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Enjoy 0% for 32 months on Balance Transfers with a 0% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
  • 13.99% p.a. low variable interest rate on purchases.
  • $0 first-year annual card fee ($55 p.a. thereafter).

Pros

  • 0% p.a. for 32 months on balance transfers with no balance transfer fee.
  • 13.99% p.a. low variable interest rate on purchases.
  • $0 first-year annual card fee ($55 p.a. thereafter).

Cons

  • Balance transfer rate reverts to 21.49% p.a. after 32 months.
  • There are no rewards program for this card.
St.George No Annual Fee Credit Card

Apply by 31 December 2022

St.George No Annual Fee Credit Card

Balance transfer

N/A

Purchase rate

12 months at 0% p.a.

Annual fee

$0.00 p.a. ongoing

Highlights

  • Enjoy 0% interest on Purchases for 12 months. Reverts to 20.74% p.a. thereafter.
  • $0 annual fee for as long as you have the card.
  • Enjoy up to 55 days interest-free period.

Pros

  • 0% interest on Purchases for 12 months.
  • $0 annual fee.
  • 55 days interest-free period.

Cons

  • No rewards program for this card.
St.George Amplify Platinum Credit Card (Qantas)

On St.George's website

Offer extendedApply by 31 December 2022

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 p.a. ongoing

Highlights

  • Earn up to 60,000 bonus Qantas Points when you spend $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • 0% p.a. for 24 months on balance transfers with 1% balance transfer fee. Reverts to cash advance rate.
  • Earn 0.5 points per $1 spent (uncapped). Plus, get a complimentary Qantas membership fee. Saving you $99.50!

From 1 January 2022, earn 0.5 Qantas Points per $1 up to a maximum of $100,000 spent on eligible purchases annually. Bonus Qantas Bonus Qantas Points not included in the cap.

Pros

  • The 60,000 bonus Qantas Points.
  • 0% p.a. for 24 months on balance transfers.
  • Complimentary travel and purchase insurances.

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)

On St.George's website

Offer extendedApply by 30 November 2022

St.George Amplify Platinum Credit Card (Amplify)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$29.00 for 1st year

Highlights

  • Earn up to 100,000 bonus Amplify Points when you spend $3,000 on eligible purchases within 90 days from card approval. Exclusions apply.
  • Score up to $27.50/month cashback on Kayo for 12 months.
  • 0% for 24 months on balance transfers with 1% balance transfer fee. Reverts to cash advance rate of 21.49% p.a.
  • $29 p.a. annual fee for the first year ($99 p.a. annual fee thereafter)

Pros

  • The 100,000 bonus Amplify Points.
  • Enjoy up to $27.50/month cashback on Kayo subscription for 12 months.
  • 0% for 24 months on balance transfers.
  • Additional savings with the $29 first year annual fee ($99 p.a. thereafter).

Cons

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

On St.George's website

Apply by 31 December 2022

St.George Amplify Signature Credit Card (Amplify)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$139.00 for 1st year

Highlights

  • Earn up to 150,000 Bonus Amplify Rewards Points over 2 years when you spend $12,000 on eligible purchases each year. Plus, receive a birthday points bonus of 10% of the points earned in the last 12 months.
  • $139 card fee for the first year ($279 p.a thereafter).
  • 0% p.a. for 24 months on balance transfers with 1% balance transfer fee on amounts transferred.
  • Includes complimentary overseas travel insurance for up to 6 months

Pros

  • The 150,000 bonus Amplify Rewards Points.
  • Save $140 with the $139 card fee for the first year.
  • 0% p.a. for 24 months on balance transfers.
  • Includes complimentary overseas travel insurance for up to 6 months

Cons

  • After the initial year, the annual fee is $279 p.a.
  • There is a 1% balance transfer fee.
St.George Amplify Signature Credit Card (Qantas)

On St.George's website

Offer extendedApply by 31 December 2022

St.George Amplify Signature Credit Card (Qantas)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.49% p.a. ongoing

Annual fee

$279.00 p.a. ongoing

Highlights

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


From 1 January 2022, earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. Bonus Qantas Points not included in the cap.

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 ongoing annual fee is high at $279 p.a.

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.

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.

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.

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.

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.

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