7.4 / 10

based on 9384 reviews as rated by Mozo community

St.George credit cards

Want to have a credit card handy for emergencies? St George offers a range of credit card options suited to your needs, with many taking out 2020 Mozo Expert Choice  Awards. 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.

What credit cards do St.George offer?

Rates and fees verified as correct at 04 December, 2020. Other information correct at the time of writing. Advertiser disclosure.

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 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

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 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

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

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

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

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

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

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

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

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.

Icon of credit-cards
St.George credit cards
Overall
6.8/10
Price
Features
Customer service
Convenience
Trust

1190 Reviews

Recent St.George credit card reviews

St.George Vertigo review
Overall 6/10
Easy to use banking app.

No obvious pros or cons. Easy to use banking app, readily available branches.

Read full review

No obvious pros or cons. Easy to use banking app, readily available branches.

Price
6/10
Features
5/10
Customer service
4/10
Convenience
6/10
Trust
6/10
Less
Rebekah, New South Wales reviewed 8 days ago
St.George Vertigo Platinum review
Overall 7/10
Always easy to deal with

Always easy to deal with.

Read full review

Always easy to deal with.

Price
9/10
Features
5/10
Customer service
8/10
Convenience
10/10
Trust
8/10
Less
Julian, Queensland reviewed 17 days ago
St.George Credit Card review
Overall 10/10
I would highly recommend St George to anyone

I'm hearing and sight impaired. My bank goes above and beyond to make sure I haven't missed anything in conversations I may have with them. Online, they are patient and polite with any queries that I may have for them, often guiding me through the process of doing new things with online banking.

Read full review

I'm hearing and sight impaired. My bank goes above and beyond to make sure I haven't missed anything in conversations I may have with them. Online, they are patient and polite with any queries that I may have for them, often guiding me through the process of doing new things with online banking.

Price
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Kathleen, New South Wales reviewed about 2 months ago
St.George Amplify Platinum review
Overall 10/10
A truly great bank

I have to say this bank helped me out when I needed it and have continued to do so since. The staff are always helpful and friendly.

Read full review

I have to say this bank helped me out when I needed it and have continued to do so since. The staff are always helpful and friendly.

Price
7/10
Features
9/10
Customer service
9/10
Convenience
9/10
Trust
9/10
Less
Richard, New South Wales reviewed 4 months ago
St.George Credit Card review
Overall 7/10
Difficult to deal with

They lie and make things difficult with our home loan.

Read full review

They lie and make things difficult with our home loan.

Price
9/10
Features
5/10
Customer service
5/10
Convenience
9/10
Trust
3/10
Less
Heidi, New South Wales reviewed 5 months ago

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.

Credit card quick links