Compare St.George Credit Cards

Compare St.George credit cards. Review their rates, fees, and rewards to make an informed decision before applying.

By   |   Updated 3 Apr 2024

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Comparing St.George credit cards

St.George Vertigo Visa

On website

Apply by 31 July 2024

St.George Vertigo Visa

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)

On website

Apply by 31 July 2024

St.George Amplify Platinum Credit Card (Qantas)

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.
  • 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.
  • 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)

On website

Apply by 31 July 2024

St.George Amplify Platinum Credit Card (Amplify)

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 free.
St.George Amplify Signature Credit Card (Amplify)

On website

Apply by 31 July 2024

St.George Amplify Signature Credit Card (Amplify)

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 Business Credit Card

On website

St.George Amplify Business Credit Card

Highlights

  • $0 annual card fee for the first year ($89 p.a. thereafter).
  • Obtain up to 3 additional cards for employees at no additional cost.
  • Enjoy 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 No Annual Fee Credit Card

On website

St.George No Annual Fee Credit Card

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.
St.George Amplify BusinessVantage Credit Card

On website

St.George Amplify BusinessVantage Credit Card

Highlights

  • Benefit from a low rate of 9.99% p.a. on purchases and 17.15% p.a. on cash advances.
  • Obtain up to 99 additional cardholders, each with individual card limits.
  • Enjoy 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 credit cards are issued by St.George, a notable Australian bank that rivals the Big 4 Banks and is a subsidiary ofWestpac Group. Its credit card lineup features 0% interest rate promotions,bonus points,frequent flyer rewards, budget-friendly choices, and high-end cards with additional benefits.

Types of St.George credit cards

St.George provides a variety of credit cards tailored to meet diverse customer requirements. From rewards cards to low-rate options, here are some of the key types of St.George credit cards:

  • Rewards credit cards: Earn points on your purchases that can be redeemed for a variety of rewards such as flights, merchandise, or cashback.
  • Low rate credit cards: Ideal for those looking to save on interest costs, St.George's low-rate credit cards offer competitive interest rates for purchases and balance transfers.
  • Balance transfer credit cards: Transfer your existing credit card balance to a St.George card with a low or 0% interest rate for a promotional period, helping you pay off your debt more efficiently.
  • Platinum credit cards: Enjoy premium benefits such as concierge services, complimentary insurance, and higher earning rates on rewards points with St.George's platinum credit cards.

Features of St.George credit cards

St.George credit cards come with a range of features that make them appealing to customers. Some common features include:

  • Amplify rewards: Earn points on eligible purchases that can be redeemed for various rewards.
  • Balance transfer options: Transfer existing balances from other cards to consolidate debt or take advantage of low promotional interest rates.
  • Interest free periods: Benefit from interest-free days on purchases when you fully pay your statement balance by the due date.
  • Competitive interest rates: St.George offers competitive interest rates on purchases and cash advances.
  • Additional cardholder: Share the benefits of your credit card with family members by adding them as an additional cardholder.

How to apply for a St.George credit card

To apply for a St.George credit card, you must meet certain eligibility criteria and provide relevant documentation. The application process may include the following steps:

  1. Check eligibility: Review the eligibility requirements for the specific St.George credit card you wish to apply for.
  2. Gather documents: Prepare necessary documents such as identification, proof of income, and recent financial statements.
  3. Apply online or in-branch: Submit your application through the St.George website or visit a St.George branch to apply in person.
  4. Wait for approval: St.George will assess your application, and you will receive your credit card in the mail if approved.

Help choosing a St.George credit card

Discover your ideal St.George credit card with expert assistance.

  • FAQs

  • Pros & cons

How can I earn reward points with St.George credit cards?

St.George credit cardholders can earn rewards points on eligible purchases. The points earned per dollar spent may vary depending on the specific credit card. These points can be redeemed for a range of rewards, including flights, gift cards, merchandise, and more.

What are the benefits of a St.George platinum credit card?

St.George platinum credit cards offer premium benefits such as concierge services, complimentary insurance coverage, higher earning rates on rewards points, and exclusive travel perks. These cards are designed for customers seeking extra privileges and enhanced rewards.

Can I transfer my existing credit card balance to a St.George card?

Yes, St.George provides balance transfer options for customers looking to move their existing credit card debt to a St.George card. Transferring your balance to a St.George card with a promotional interest rate allows you to save on interest costs and simplify your debt repayments.

How do I apply for a St.George credit card online?

To apply for a St.George credit card online, visit the St.George website, select the card you wish to apply for and follow the online application process. Ensure you have all the necessary documents ready to complete the application smoothly.

Are there any annual fees associated with St.George credit cards?

Some St.George credit cards may have annual fees, while others may offer fee waivers for the first year. Check the specific terms and conditions of the credit card you are interested in to understand its fee structure.

Pros

Rewards program

St.George Credit Cards offer a robust rewards program, allowing cardholders to earn points on their everyday purchases, which can be redeemed for various rewards such as travel, merchandise, or cashback.

Competitive interest rates

Compared to other credit card providers, St.George offers competitive interest rates, making it an attractive option for those who carry a balance on their cards and want to minimize interest charges.

Contactless payments

St.George Credit Cards support contactless payments, providing convenience and efficiency for transactions, especially in today's fast-paced world where speed is essential.

Extensive ATM network

With access to a large network of ATMs across Australia and worldwide through its partnership with Westpac, St.George cardholders can easily access their funds wherever they go, minimizing the hassle of finding an ATM.

Mobile banking app

St.George offers a user-friendly mobile banking app, allowing cardholders to manage their accounts, track spending, make payments, and even temporarily lock their cards if lost or stolen, enhancing security and control over finances.

Cons

Annual fees

One of the downsides of St.George Credit Cards is the annual fees associated with most of their cards. While the rewards and benefits may justify the fees for some users, others may find them burdensome, especially if they don't fully utilize the card's features.

Foreign transaction fees

St.George Credit Cards typically charge foreign transaction fees on purchases made overseas or in foreign currencies. These fees can add up quickly, making international travel or online shopping less cost-effective for cardholders.

Minimum income requirements

Some of the premium St.George Credit Cards come with minimum income requirements, which may exclude individuals with lower incomes from accessing certain card options. This limitation could potentially alienate a portion of potential customers who do not meet the income criteria, limiting their choices for credit card options.

Balance transfer fees

When transferring balances from another credit card to a St.George Credit Card, cardholders may incur balance transfer fees, which can offset the benefits of consolidating debt onto a lower-interest St.George card.

Potential for high-interest charges

If cardholders carry a balance on their St.George Credit Card and do not pay it off in full each month, they may incur high-interest charges, diminishing the value of any rewards earned and potentially leading to debt accumulation over time. Users need to manage their spending responsibly to avoid this pitfall.