St.George credit cards

St.George
St.George's overall rating for credit cards

(as rated by the Mozo community)

7.0 / 10

based on 330 reviews

Want to have a credit card handy for emergencies? St George offers a range of credit card options suited to your needs. Take a look at their options or compare them to the rest with our comparison chart which features all of the major credit card providers in the one place.

Rates and fees verified as correct at 04 December, 2016. Other information correct at the time of writing.

What credit cards do St.George offer?

Low rate credit cards Low rate credit cards

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  

1.00% p.a. for 12 months then 13.24% p.a.

0% p.a. for 18 months

$55 $0 in the first year for existing St.George customers

55

Go to site

1.00% p.a. for 12 months then 12.74% p.a.

0% p.a. for 18 months

$99 $0 in the first year for existing St.George customers

55

Go to site

Hide

Low fee credit cards Low fee credit cards

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  

1.00% p.a. for 12 months then 20.49% p.a.

0% p.a. for 18 months

$0

55

Go to site

1.00% p.a. for 12 months then 13.24% p.a.

0% p.a. for 18 months

$55 $0 in the first year for existing St.George customers

55

Go to site

Hide

Rewards credit cards Rewards credit cards

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

1.00% p.a. for 12 months then 19.49% p.a.

0% p.a. for 18 months

$79 $0 in the first 1 year

Go to site

0.5 points per dollar on Visa, uncapped

1.00% p.a. for 12 months then 19.49% p.a.

0% p.a. for 18 months

$79 $0 in the first 1 year

Go to site

1 point per dollar on Visa, uncapped

1.00% p.a. for 12 months then 19.49% p.a.

0% p.a. for 18 months

$99 $0 in the first 1 year

Go to site

0.5 points per dollar on Visa, uncapped

1.00% p.a. for 12 months then 19.49% p.a.

0% p.a. for 18 months

$99 $0 in the first 1 year

Go to site

1.5 points per dollar on Visa, uncapped

1.00% p.a. for 12 months then 19.49% p.a.

0% p.a. for 18 months

$279 $0 in the first 1 year

Go to site

0.75 points per dollar on Visa, uncapped

1.00% p.a. for 12 months then 19.49% p.a.

0% p.a. for 18 months

$279 $0 in the first 1 year

Go to site

Hide

Prestige cards Prestige cards

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

1.00% p.a. for 12 months then 19.49% p.a.

0% p.a. for 18 months

$99 $0 in the first 1 year

Go to site

0.5 points per dollar on Visa, uncapped

1.00% p.a. for 12 months then 19.49% p.a.

0% p.a. for 18 months

$99 $0 in the first 1 year

Go to site

1.5 points per dollar on Visa, uncapped

1.00% p.a. for 12 months then 19.49% p.a.

0% p.a. for 18 months

$279 $0 in the first 1 year

Go to site

0.75 points per dollar on Visa, uncapped

1.00% p.a. for 12 months then 19.49% p.a.

0% p.a. for 18 months

$279 $0 in the first 1 year

Go to site

1.00% p.a. for 12 months then 12.74% p.a.

0% p.a. for 18 months

$99 $0 in the first year for existing St.George customers

Go to site

Hide

Frequent flyer credit cards Frequent flyer credit cards

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

1.00% p.a. for 12 months then 19.49% p.a.

0% p.a. for 18 months

$79 $0 in the first 1 year

Go to site

0.5 points per dollar on Visa, uncapped

1.00% p.a. for 12 months then 19.49% p.a.

0% p.a. for 18 months

$99 $0 in the first 1 year

Go to site

0.75 points per dollar on Visa, uncapped

1.00% p.a. for 12 months then 19.49% p.a.

0% p.a. for 18 months

$279 $0 in the first 1 year

Go to site

Hide

St.George credit card features in a glance

Interest free daysInterest free days

Interest free days are the period you have to pay off your credit card balance before you’re charged interest on it. St. George offers an interest free period of up to 55 days on all it’s credit cards. Exactly how many days you get will depend on when you make purchases during your statement cycle. Here’s how it works:You’re interest free days begin at the beginning of your statement, not when you make a purchase. So if your monthly statement covers from the 1st March to the 31st, and you buy a new computer on the 1st, you’ll have the full 55 days to pay for it before you’re charged interest. But if you had bought it on March 31st, it would still appear on that statement, but 30 of your interest free days would have already passed, meaning you have only 25 left to pay for your computer before being charged interest.

Balance transfer optionsBalance transfer options

If you’re looking to find a balance transfer deal to manage your credit card balance, then you can do so with any St. George credit card. You’ll get an interest free period of up to 20 months, depending on which card you choose, but after that, any balance that hasn’t been paid off will be charged interest at the much higher cash advance rate. So when you take a balance transfer deal, make sure you’ve got a payment plan in place to pay off your balance!

Fees Fees 

Aside from the annual fee on your St. George credit card, you might also be hit with:Late or missed payment feesCard replacement feesFees for copies of statements or any other documentsCash advance feesAutomatic payment dishonour feeOverlimit fees

Rewards optionsRewards options

You can choose either a St. George Amplify or Qantas card if you’re looking to rake in the rewards. Qantas cards will earn you Frequent Flyer points, while Amplify points can be redeemed for all manner of goodies from the Amplify Rewards Store, including travel accessories, homewares and gift cards.
You can switch between rewards programs if you like, but keep in mind that the points built up in one program can’t be transferred to the other. When you switch, you’ll have 90 days to use any points remaining in your previous program.

Amplify CardAmplify PlatinumAmplify Signature
Amplify points per $1 spent in Aus.111.5
Amplify points per $1 spent overseas223
Qantas points per $1 spent in Aus.0.50.50.75
Qantas points per $1 spent overseas0.511.5

Using the card overseasUsing the card overseas

You can use your St. George credit card anywhere in the world where MasterCard or Visa is accepted. The daily cash limit is the same as it is while you’re at home, but you will need to factor a 3% foreign transaction fee into your budget.
If you’re heading overseas with your St. George Platinum or Siganture credit card, you’re also eligible for complimentary travel insurance if you pre-pay $500 of your travel costs on your credit card. A great way to do this is paying for your return ticket!

Minimum payment amountMinimum payment amount

Although Mozo suggests paying off your credit card balance in full, this is the smallest amount you need to pay off your St. George credit card bill each month. If you’re balance is less than $10, you need to pay the full amount. If it’s more, then your minimum payment is the highest of either:2% of your total balance$10The amount that is outstanding in interest or government chargesFor example, if you had only a $200 balance on your credit card, you’d pay $10, as that’s higher than 2%. But if you had a balance of $2,000, your minimum payment would be $40 (2% of $2,000).

Additional cards Additional cards 

No matter what St. George credit card you have, you’ll have the option of having at least one additional card, and some will enable you to have more.

How are St.George credit cards rated?

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.

St.George credit cards

Overall 7.0*

Price

Features

Customer service

Convenience

Trust

330 Reviews

* Overall rating based on reviews in the past 12 months.

Recent St.George credit card reviews Recent St.George credit card reviews

St.George

St.George Amplify Classic (Rewards) credit card review

Overall rating   0 / 10

Disgusting level of service.

Took 20 days to get money back after incorrectly debiting my account.

Full review

Took 20 days to get money back after incorrectly debiting my account.

    Price   3 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   4 / 10

    Trust   0 / 10

Less

John (VIC), reviewed 4 months ago

St.George

St.George credit card review

Overall rating   6 / 10

Competitive premiums and great customer service

Their customer service is exceptional

Full review

Their customer service is exceptional

    Price   3 / 10

    Features   4 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   7 / 10

Less

Brett (QLD), reviewed 4 months ago

St.George

St.George credit card review

Overall rating   10 / 10

Friendly courteous service.

Never encountered a problem that wasn't instanly resolved.

Full review

Never encountered a problem that wasn't instanly resolved.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Douglas (NSW), reviewed 8 months ago

St.George

St.George credit card review

Overall rating   7 / 10

On-line banking and Friendly courteous service

    Price   7 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   7 / 10

Less

Don (NSW), reviewed 8 months ago

St.George

St.George credit card review

Overall rating   10 / 10

Patience excelent understanding with for people

In the last couple of weeks I have lost two cards and the girls I could not fault their sincerity and professional curtsies. They where truly great and we have been using the bank here for twenty years.

Full review

In the last couple of weeks I have lost two cards and the girls I could not fault their sincerity and professional curtsies. They where truly great and we have been using the bank here for twenty years.

    Price   7 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Cecily (NSW), reviewed 8 months ago

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

What do you need to apply for a St.George credit card? What do you need to apply for a St.George credit card?

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:

  • Online
  • In a St. George branch
  • Over the phone

You’ll have to supply your personal details, plus details of your employment and income, including:

  • Your current and previous employment
  • Your credit report and financial history
  • Your history with St. George, if you’re already a customer

Want to know more? Check out our guide on applying for a credit card.

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