St.George

St.George provides a range of credit cards to match different financial preferences. Here’s an overview of the options:

• Balance transfer credit cards: If you’re carrying debt on a credit card from a bank other than St.George, BankSA, or Bank of Melbourne, a St.George balance transfer card offers an introductory low or 0% interest rate. This can help you save on interest and pay down your debt quicker. Once the introductory period ends, any remaining balance shifts to the card’s variable cash advance rate, so aim to clear the debt during the promotional window for maximum savings.
• Business credit cards: For business expenses, St.George offers the Amplify Business Card, which earns reward points per dollar spent, and the BusinessVantage card, featuring a low purchase rate. Both include extra cards for employees, complimentary insurance, and data export options for MYOB, BAS, and Microsoft Excel.
• Frequent flyer credit cards: St.George offers the Amplify Platinum Qantas Card and Amplify Signature Qantas Card, both earning Qantas Points directly. You’ll need to supply your Qantas Frequent Flyer details during the application. Certain cards include free travel insurance, Priority Pass, and airport lounge access.
• Low rate credit cards: The St.George Vertigo card comes with a low ongoing purchase rate and a reasonable annual fee, making it a solid choice if you tend to carry a balance and want to minimise interest costs.
• No annual fee credit cards: The St.George No Annual Fee card has a $0 annual fee for life and a purchase rate of 20.99% p.a. It’s ideal for those who pay off their balance monthly to make the most of interest-free days.
• Rewards credit cards: With St.George Amplify Rewards credit cards, you earn points for every dollar spent on eligible everyday purchases. Redeem these points for gift cards, cashback, retail products, or travel via the Amplify Rewards program, or convert them to Velocity Frequent Flyer Points, or Singapore Airlines KrisFlyer Miles.

St.George credit cards offer several perks to enhance usability and value:

• Contactless payments: Equipped with Visa payWave, St.George cards allow fast tap-and-go payments at participating merchants. You can also link them to mobile wallets like Apple Pay, Google Pay, and Samsung Pay for easy transactions via your phone or compatible device.
• Instalment plans: Through Plan&Pay, St.George lets you split purchases over $200 into 0% interest instalments over 3, 6, or 12 months. A one-time fee applies (1% for 3 months, 2% for 6 months, 4% for 12 months), and you can set up or cancel plans within 30 days of the purchase.
• My Offers Hub: Personal St.George cardholders gain access to exclusive discounts from brands like Myer, Priceline, and THE ICONIC. Check the latest deals in the 'My Offers and Benefits' section of your mobile or internet banking.
• Security: St.George ensures peace of mind with 24/7 fraud monitoring and support. Report suspicious activity or a lost/stolen card by calling 1800 028 208 (Australia) or +61 2 9155 7800 (overseas). The Fraud Money Back Guarantee protects you from liability for unauthorised transactions.

To qualify for a St.George credit card, you need to meet these core requirements, but certain St.George cards may have additional criteria, so review each card's details before applying:

• Age: Be at least 18 years old.
• Credit history: Maintain a good credit rating.
• Residency status: Be an Australian citizen or permanent resident to apply online. Temporary residents can apply in-branch or by phone.

Applying for a St.George credit card is simple and efficient. Here’s how:

1. Select your card: Pick the St.George card that fits your needs.
2. Confirm eligibility: Ensure you meet the residency, age, and credit history requirements.
3. Gather information: You’ll need your full name, date of birth, address, contact info, and ID (e.g., driver’s licence, passport, Medicare card, or birth certificate).
4. Employment details: Employment status, occupation, income, employer details, and possibly payslips. Self-employed applicants will need recent tax statements and accountant contact info.
5. Financial information: Other income, assets, savings, debts (e.g., loans, credit cards), expenses, and foreign tax details if applicable.
6. Submit online: The application takes about 10 minutes for existing St.George customers or 20 minutes for new ones. You’ll get a response within 60 seconds. Save and resume within 30 days if needed.
7. Specify card details: Request a credit limit (subject to approval) and include balance transfer details if transferring debt.
8. Receive a decision: If approved, your card will arrive by mail, though branch pickup may be required for ID verification—St.George will notify you.

Cards with similar features and rates to St.George credit cards:

• Bankwest credit cards
• Bank of Melbourne credit cards
• Qantas Money credit cards
• Westpac credit cards