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 25 September, 2017. Other information correct at the time of writing.
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 |
|---|---|---|---|---|
| 13.24% p.a. | 0% p.a. for 18 months and then 21.49% p.a. (2.00% balance transfer fee) | $55 | 55 | |
| 12.74% p.a. | 0% p.a. for 24 months and then 21.49% p.a. (2.00% balance transfer fee) | $99 | 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 |
|---|---|---|---|---|
| 20.49% p.a. | 0% p.a. for 12 months and then 20.49% p.a. (2.00% balance transfer fee) | $0 | 55 | |
| 13.24% p.a. | 0% p.a. for 18 months and then 21.49% p.a. (2.00% balance transfer fee) | $55 | 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 |
|---|---|---|---|---|
| 1 point per dollar on Visa, uncapped | 19.49% p.a. | 0% p.a. for 18 months and then 20.24% p.a. (2.00% balance transfer fee) | $79 | |
| 0.5 points per dollar on Visa, uncapped | 19.49% p.a. | 0% p.a. for 18 months and then 20.24% p.a. (2.00% balance transfer fee) | $79 | |
| 1 point per dollar on Visa, uncapped | 19.49% p.a. |
| $99 | |
| 0.5 points per dollar on Visa, uncapped | 19.49% p.a. |
| $99 | |
| 1.5 points per dollar on Visa, uncapped | 19.49% p.a. |
| $279 | |
| 0.75 points per dollar on Visa, uncapped | 19.49% 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 | 19.49% p.a. |
| $99 | |
| 0.5 points per dollar on Visa, uncapped | 19.49% p.a. |
| $99 | |
| 1.5 points per dollar on Visa, uncapped | 19.49% p.a. |
| $279 | |
| 0.75 points per dollar on Visa, uncapped | 19.49% p.a. |
| $279 | |
|
| 12.74% p.a. | 0% p.a. for 24 months and then 21.49% p.a. (2.00% balance transfer fee) | $99 |
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 | 19.49% p.a. | 0% p.a. for 18 months and then 20.24% p.a. (2.00% balance transfer fee) | $79 | |
| 0.5 points per dollar on Visa, uncapped | 19.49% p.a. |
| $99 | |
| 0.75 points per dollar on Visa, uncapped | 19.49% p.a. |
| $279 |
| 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.
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| 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. | ||||||||||||||||||||
| 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. |
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.
* Overall rating based on reviews in the past 12 months.
To be honest I choose banks by their logos, their brand colours and what their cards look like (visa/master). I like the logo and the look of these cards.
To be honest I choose banks by their logos, their brand colours and what their cards look like (visa/master). I like the logo and the look of these cards.
Tess (NSW), reviewed 3 months ago
There are too many products which can be very confusing for consumers. Too many forms to complete and timeline is not met on time, otherwise this is not a bad bank.
There are too many products which can be very confusing for consumers. Too many forms to complete and timeline is not met on time, otherwise this is not a bad bank.
Maria (NSW), reviewed 3 months ago
After moving from Adelaide, we had to find a new banking resource. We checked out St. Greorge because they are affiliated with our old, BankSA but we were quite prepared to change banks if necessary. The staff at St. George Market Place in...
After moving from Adelaide, we had to find a new banking resource. We checked out St. Greorge because they are affiliated with our old, BankSA but we were quite prepared to change banks if necessary. The staff at St. George Market Place in Leichhardt were exceptional and led us through the entire process, recommending upgraded products where appropriate. They demonstrated a real interest in and empathy for us, and this has been our on-going experience over our first year in Sydney.
Simon (NSW), reviewed 6 months ago
Great bank. I've been with St.George for over 10 years.
Great bank. I've been with St.George for over 10 years.
Natalie (NSW), reviewed 6 months ago
Took 20 days to get money back after incorrectly debiting my account.
Took 20 days to get money back after incorrectly debiting my account.
John (VIC), reviewed about 1 year 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.
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.
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