Rates and fees verified as correct at 25 January, 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 | |
|---|---|---|---|---|---|
| 0% p.a. for 7 months then 13.99% p.a. | 0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee) | $55 $0 in the first year | 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 24 months and then 21.49% p.a. | $55 $0 in the first year | 55 | Go to site | |
| 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 | 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 | |
|---|---|---|---|---|---|
| 20.74% p.a. | 0% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee) | $0 | 55 | Go to site | |
| 0% p.a. for 7 months then 13.99% p.a. | 0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee) | $55 $0 in the first year | 55 | ||
| 13.99% p.a. | 0% p.a. for 24 months and then 21.49% p.a. | $55 $0 in the first year | 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 | 0% p.a. for 7 months then 19.74% p.a. | 0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee) | $99 $0 in the first year | 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 6 months and then 21.49% p.a. | $279 $139 in the first year | Go to site | |
| 0.75 points per dollar on Visa, uncapped | 19.74% p.a. | 0% p.a. for 6 months and then 21.49% p.a. | $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 | 0% p.a. for 7 months then 19.74% p.a. | 0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee) | $99 $0 in the first year | 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 6 months and then 21.49% p.a. | $279 $139 in the first year | Go to site | |
| 0.75 points per dollar on Visa, uncapped | 19.74% p.a. | 0% p.a. for 6 months and then 21.49% p.a. | $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 | ||
|
| 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 | Go to site | |
|
| 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 6 months and then 21.49% p.a. | $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.
1194 Reviews
Always been helpful.
Read full reviewAlways been helpful.
This card is great if you want to gain Qantas points where only a Visa or MasterCard is accepted. There was an 80,000 Qantas point sign on bonus. The annual fee of $279 is high when compared with other credit cards earning Qantas points but for the first year it was reduced to $139. Within 4 weeks of your birthday you also receive an additional 10% of the points earned in the last 12 months.
Read full reviewThis card is great if you want to gain Qantas points where only a Visa or MasterCard is accepted. There was an 80,000 Qantas point sign on bonus. The annual fee of $279 is high when compared with other credit cards earning Qantas points but for the first year it was reduced to $139. Within 4 weeks of your birthday you also receive an additional 10% of the points earned in the last 12 months.
Always incredible customer service when I visit the branch or even when I call up about internet banking.
Read full reviewAlways incredible customer service when I visit the branch or even when I call up about internet banking.
Fantastic customer service and always prompt with replying to outstanding queries.
Read full reviewFantastic customer service and always prompt with replying to outstanding queries.
No obvious pros or cons. Easy to use banking app, readily available branches.
Read full reviewNo obvious pros or cons. Easy to use banking app, readily available branches.
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.
