based on 9649 St.George product 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 one even taking out a 2023 Mozo Expert Choice  Award. 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 one place.

What credit cards do St.George offer?

Rates and fees verified as correct at 2 March 2024. 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

13.99% p.a.

0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)

$55

55

13.99% p.a.

No current offer

$55

55

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.

No current offer

$0

55

13.99% p.a.

0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)

$55

55

13.99% p.a.

No current offer

$55

55

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

0.5 points per dollar on Visa, up to $100,000 per year

19.49% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$199 $99 in the first year

0.75 points per dollar on Visa, up to $250,000 per year

19.49% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$370

1 point per dollar on Visa, uncapped

19.49% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$124 $49 in the first year

1.5 points per dollar on Visa, uncapped

19.49% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$295 $199 in the first year

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

0.5 points per dollar on Visa, up to $100,000 per year

19.49% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$199 $99 in the first year

0.75 points per dollar on Visa, up to $250,000 per year

19.49% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$370

1 point per dollar on Visa, uncapped

19.49% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$124 $49 in the first year

1.5 points per dollar on Visa, uncapped

19.49% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$295 $199 in the first year

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, up to $100,000 per year

19.49% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$199 $99 in the first year

0.75 points per dollar on Visa, up to $250,000 per year

19.49% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$370

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
Price
Features
Customer service
Convenience
Trust

1221 Reviews

Recent St.George credit card reviews

St.George Credit Card
Overall 7/10
Amazing rewards program & strong customer service.

I love their rewards program. After a year of using the credit card, I have enough points usually for one or two Woolworths gift cards which get used for groceries. It really helps, and it's a positive incentive to use the credit card. Win Win for everyone. The only cons are that their interest rates aren't always the best on the market and their fee's can sometimes be a bit high.

Read full review

I love their rewards program. After a year of using the credit card, I have enough points usually for one or two Woolworths gift cards which get used for groceries. It really helps, and it's a positive incentive to use the credit card. Win Win for everyone. The only cons are that their interest rates aren't always the best on the market and their fee's can sometimes be a bit high.

Price
7/10
Features
10/10
Customer service
10/10
Convenience
4/10
Trust
9/10
Less
Caroline, Queensland, reviewed 4 months ago
St.George Credit Card
Overall 2/10
Unimpressive. Few branches. Rude customer service.

Unimpressive. Few branches. Rude customer service. Not a fan

Read full review

Unimpressive. Few branches. Rude customer service. Not a fan

Price
5/10
Features
6/10
Customer service
1/10
Convenience
2/10
Trust
4/10
Less
Oliver, Victoria, reviewed 4 months ago
St.George No Annual Fee
Overall 10/10
Best thing i ever did joining them

They have really good customer service and are really nice

Read full review

They have really good customer service and are really nice

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Jaqson, New South Wales, reviewed 6 months ago
St.George Amplify Rewards Signature
Overall 10/10
Great credit card

I’ve been using St George Amplify for the last 10+ years and have accrued so much Qantas frequent flyer points, and the ease of paying via Apple Pay is a bonus

Read full review

I’ve been using St George Amplify for the last 10+ years and have accrued so much Qantas frequent flyer points, and the ease of paying via Apple Pay is a bonus

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Paul, Victoria, reviewed 7 months ago
St.George Credit Card
Overall 10/10
Credit card security features

the security of St George credit card system is exceptional which alerts me of any suspicious transactions.

Read full review

the security of St George credit card system is exceptional which alerts me of any suspicious transactions.

Price
9/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Siu, Queensland, reviewed 8 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:

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.

Credit card quick links