Rates and fees verified as correct at 18 April, 2021. Other information correct at the time of writing. Advertiser disclosure.
Looking for a low rate credit card that won’t break the bank if you forget to make a payment or two? With a Classic and Platinum option, St.George low rate credit cards are great options for everyday spending or for spenders wanting to take control of their credit card balance with a competitive balance transfer deal.
| Product | Purchase rate | Balance transfer rate | Annual fees | Interest free days on purchases | |
|---|---|---|---|---|---|
| 13.99% p.a. | 0% p.a. for 28 months and then 21.49% p.a. | $55 | 55 | ||
| 0% p.a. for 15 months then 12.99% p.a. | 6.99% p.a. for 12 months and then 21.49% p.a. | $99 $49 in the first year | 55 | ||
| 13.99% p.a. | 0% p.a. for 28 months and then 21.49% p.a. | $55 | 55 | Go to site | |
| 12.99% p.a. | 6.99% p.a. for 12 months and then 21.49% p.a. | $99 | 55 | Go to site |
There’s only one no fee offering from St. George, and if you’re someone who pays their credit card bill in full and on time, it might be for you. It comes with a higher interest rate attached, but if you take full advantage of your interest free days, a no fee credit card can be a cost effective and convenient way to spend.
| Product | Purchase rate | Balance transfer rate | Annual fees | Interest free days on purchases | |
|---|---|---|---|---|---|
| 0% p.a. for 12 months then 20.74% p.a. | 6.99% p.a. for 12 months and then 21.49% p.a. | $0 | 55 | Go to site | |
| 13.99% p.a. | 0% p.a. for 28 months and then 21.49% p.a. | $55 | 55 | ||
| 13.99% p.a. | 0% p.a. for 28 months and then 21.49% p.a. | $55 | 55 | Go to site |
For all the shopaholics out there, St. George offer a range of rewards credit cards so you can put your spending to good use. You can choose between either an Amplify rewards card, or a Qantas card to help you rack up frequent flyer points. There are three tiers of reward credit cards, which come with different annual fees - as a rule of thumb, the higher the fee the more rewards points you’ll earn and the more extra features you’ll get.
| Product | Points per dollar | Purchase rate | Balance transfer rate | Annual fees | |
|---|---|---|---|---|---|
| 1 point per dollar on Visa, uncapped | 19.74% p.a. | 6.99% p.a. for 12 months and then 21.49% p.a. | $79 | ||
| 0.5 points per dollar on Visa, uncapped | 19.74% p.a. | 6.99% p.a. for 12 months and then 21.49% p.a. | $79 | ||
| 1 point per dollar on Visa, uncapped | 19.74% p.a. | 0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee) | $99 | Go to site | |
| 0.5 points per dollar on Visa, uncapped | 19.74% p.a. | 0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee) | $99 | Go to site | |
| 1.5 points per dollar on Visa, uncapped | 19.74% p.a. | 0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee) | $279 | Go to site | |
| 0.75 points per dollar on Visa, uncapped | 19.74% p.a. | 0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee) | $279 |
If you’re looking to supersize your rewards and cash in on premium perks, then a prestige credit card from St. George may just be the one for you. These cards come with fairly hefty annual fees, but as far as prestige cards go, the offerings from St. George stack up pretty well in the interest rates department. If you’re a fan of the high life, you’re sure to love the perks, like a free concierge and insurance covers.
| Product | Points per dollar | Purchase rate | Balance transfer rate | Annual fees | |
|---|---|---|---|---|---|
| 1 point per dollar on Visa, uncapped | 19.74% p.a. | 0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee) | $99 | Go to site | |
| 0.5 points per dollar on Visa, uncapped | 19.74% p.a. | 0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee) | $99 | Go to site | |
| 1.5 points per dollar on Visa, uncapped | 19.74% p.a. | 0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee) | $279 | Go to site | |
| 0.75 points per dollar on Visa, uncapped | 19.74% p.a. | 0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee) | $279 | ||
|
| 0% p.a. for 15 months then 12.99% p.a. | 6.99% p.a. for 12 months and then 21.49% p.a. | $99 $49 in the first year | ||
|
| 12.99% p.a. | 6.99% p.a. for 12 months and then 21.49% p.a. | $99 | Go to site |
Feel like you spend half your life on an airplane? Then why not put a piece of plastic in your wallet that will reward you with frequent flyer points? The Qantas cards on offer from St. George will funnel all your rewards points earning straight into your frequent flyer account to help you build up your stash. Remember that these cards are all rewards options, so they each come with an annual fee and interest rate that’s worth keeping an eye on.
| Product | Points per dollar | Purchase rate | Balance transfer rate | Annual fees | |
|---|---|---|---|---|---|
| 0.5 points per dollar on Visa, uncapped | 19.74% p.a. | 6.99% p.a. for 12 months and then 21.49% p.a. | $79 | ||
| 0.5 points per dollar on Visa, uncapped | 19.74% p.a. | 0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee) | $99 | Go to site | |
| 0.75 points per dollar on Visa, uncapped | 19.74% p.a. | 0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee) | $279 |
Mozo users have rated St.George credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
1203 Reviews
St. George have always been good with customer service. Their branches and ATMs are disappearing but that is happening with all of the banks. The credit card I have is fine enough for my needs. The only thing I really don't like about St. George is that they are rated poorly regarding ethics.
Read full reviewSt. George have always been good with customer service. Their branches and ATMs are disappearing but that is happening with all of the banks. The credit card I have is fine enough for my needs. The only thing I really don't like about St. George is that they are rated poorly regarding ethics.
The reason I am giving them a terrible review is the appalling customer service by their fraud and scams team. If you are a customer who has just been financially violated by a scammer who has charged your credit card you want your bank to care and answer the phone in a timely manner. It took me 8 attempts and 7 hours to finally speak to their frauds team. Once I did the operator was cold, rude and completely uncaring. I had details of the scammer and she didn’t want them. How would the shareholders of St. George bank feel about that? Let alone me the traumatised victim of fraud. Absolutely disgraceful. I have $2 million dollars of loan with them on mortgages etc. First thing tomorrow, I am looking at refinancing and never returning to this bank.
Read full reviewThe reason I am giving them a terrible review is the appalling customer service by their fraud and scams team. If you are a customer who has just been financially violated by a scammer who has charged your credit card you want your bank to care and answer the phone in a timely manner. It took me 8 attempts and 7 hours to finally speak to their frauds team. Once I did the operator was cold, rude and completely uncaring. I had details of the scammer and she didn’t want them. How would the shareholders of St. George bank feel about that? Let alone me the traumatised victim of fraud. Absolutely disgraceful. I have $2 million dollars of loan with them on mortgages etc. First thing tomorrow, I am looking at refinancing and never returning to this bank.
I’ve been with this bank for six years and I’ve had amazing customer service. They always make my needs and help me on the phone answering promptly and changing whatever I need. Changed products and services offered are outstanding. Always happy to give you better options.
Read full reviewI’ve been with this bank for six years and I’ve had amazing customer service. They always make my needs and help me on the phone answering promptly and changing whatever I need. Changed products and services offered are outstanding. Always happy to give you better options.
Been in St George for several years reliable bank and they have great customer service
Read full reviewBeen in St George for several years reliable bank and they have great customer service
Worst banking experience ever. I applied balance transfer Vertigo Visa Card somewhere around 13 January and still they verifying documents. Verification team wouldn’t ask the documents they need at once. They ask one or two documents at a time, some times same document twice and will make sure you are busy. Had to call many times still didn’t get the answer. If you are not in hurry and have plenty of time to waste, this is the place.
Read full reviewWorst banking experience ever. I applied balance transfer Vertigo Visa Card somewhere around 13 January and still they verifying documents. Verification team wouldn’t ask the documents they need at once. They ask one or two documents at a time, some times same document twice and will make sure you are busy. Had to call many times still didn’t get the answer. If you are not in hurry and have plenty of time to waste, this is the place.
Once you’ve picked out a St. George credit card, the next step is applying. To apply, you should be over 18 and an Australian resident. You should also take some time to read through the Key Fact Sheet for your new St. George credit card, so you know what you’re getting into.
There are three ways to apply:
You’ll have to supply your personal details, plus details of your employment and income, including:
Want to know more? Check out our guide on applying for a credit card.
