Rates and fees verified as correct at 24 May 2022. 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 32 months and then 21.49% p.a. |
$55 $0 in the first year |
55 |
Go to site | |
|
13.99% p.a. |
2.99% p.a. for 15 months and then 21.49% p.a. |
$55 $0 in the first year |
55 |
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. |
No current offer |
$0 |
55 |
Go to site | |
|
13.99% p.a. |
0% p.a. for 32 months and then 21.49% p.a. |
$55 $0 in the first year |
55 |
Go to site | |
|
13.99% p.a. |
2.99% p.a. for 15 months and then 21.49% p.a. |
$55 $0 in the first year |
55 |
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) |
$99 |
Go to site | |
|
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) |
$279 |
Go to site | |
|
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) |
$99 $29 in the first year |
Go to site | |
|
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) |
$279 |
Go to site |
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) |
$99 |
Go to site | |
|
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) |
$279 |
Go to site | |
|
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) |
$99 $29 in the first year |
Go to site | |
|
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) |
$279 |
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, 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) |
$99 |
Go to site | |
|
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) |
$279 |
Go to site |
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.
1211 Reviews
I have always had the Freedom Visa Card for many years and have had no problems. The staff are very efficient and pleasant to deal with.
Read full reviewI have always had the Freedom Visa Card for many years and have had no problems. The staff are very efficient and pleasant to deal with.
Convenient location to where I live. Staff friendly and helpful. Pleasant environment in store. Customer service gives clear and helpful advice about the products that they offer.
Read full reviewConvenient location to where I live. Staff friendly and helpful. Pleasant environment in store. Customer service gives clear and helpful advice about the products that they offer.
Worst credit card and worst bank in Australia. Please stay away from st george bank or any of their products. It was my biggest mistake to take home loan and credit card from them. I used cba, nab, ing products previously and they are 100 times better than st george.
Read full reviewWorst credit card and worst bank in Australia. Please stay away from st george bank or any of their products. It was my biggest mistake to take home loan and credit card from them. I used cba, nab, ing products previously and they are 100 times better than st george.
Dealing with St George Bank today was beyond frustrating. First going to a branch and they were unable to help. Had to phone them. After waiting for one and a half hours, and being assured that everything was taken care of. Well, lo and behold, checking with my bank later, still not fixed. What has happened with customer service? These days it doesn't exist. We are forced to do as the banks tell us to do. . I'm heartily sick of being treated badly. Looks like I'll be back on the phone tomorrow, probably waiting for another one and a half hours, talking to incompetent people, who have no idea how to do their jobs.
Read full reviewDealing with St George Bank today was beyond frustrating. First going to a branch and they were unable to help. Had to phone them. After waiting for one and a half hours, and being assured that everything was taken care of. Well, lo and behold, checking with my bank later, still not fixed. What has happened with customer service? These days it doesn't exist. We are forced to do as the banks tell us to do. . I'm heartily sick of being treated badly. Looks like I'll be back on the phone tomorrow, probably waiting for another one and a half hours, talking to incompetent people, who have no idea how to do their jobs.
Strongly recommend you avoid St George bank like the plague. I don't think there could be much worse service. I applied for a credit card in order to gain airline points. Nearly two weeks later I was told it was declined - no further information. After two hours on the phone to incompetent staff, and after being mysteriously hung up on twice, I learned apparently I had insufficient capacity to make payments. I living in my own house, which I have more than 50% equity in; my credit score is 872 or "Excellent"; my total basic expenses are only 62% of my full time employment income; and my minimum house payment (included in expenses) is only 16% of my income. In other words, St George have rocks in their heads.
Read full reviewStrongly recommend you avoid St George bank like the plague. I don't think there could be much worse service. I applied for a credit card in order to gain airline points. Nearly two weeks later I was told it was declined - no further information. After two hours on the phone to incompetent staff, and after being mysteriously hung up on twice, I learned apparently I had insufficient capacity to make payments. I living in my own house, which I have more than 50% equity in; my credit score is 872 or "Excellent"; my total basic expenses are only 62% of my full time employment income; and my minimum house payment (included in expenses) is only 16% of my income. In other words, St George have rocks in their heads.
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.