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. |
0.99% p.a. for 28 months and then 21.99% p.a. |
$55 |
55 |
|
|
13.99% p.a. |
0.99% p.a. for 28 months and then 21.99% p.a. |
$55 |
55 |
|
|
13.99% p.a. |
6.99% p.a. for 12 months and then 21.99% p.a. |
$55 |
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 |
|---|---|---|---|---|
|
20.99% p.a. |
No current offer |
$0 |
55 |
|
|
13.99% p.a. |
0.99% p.a. for 28 months and then 21.99% p.a. |
$55 |
55 |
|
|
13.99% p.a. |
0.99% p.a. for 28 months and then 21.99% p.a. |
$55 |
55 |
|
|
13.99% p.a. |
6.99% p.a. for 12 months and then 21.99% p.a. |
$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 |
|---|---|---|---|---|
|
0.5 points per dollar on Visa, up to $100,000 per year |
20.99% p.a. |
No current offer |
$199 $99 in the first year |
|
|
0.75 points per dollar on Visa, up to $250,000 per year |
20.99% p.a. |
No current offer |
$370 |
|
|
1 point per dollar on Visa, uncapped |
20.99% p.a. |
No current offer |
$124 $49 in the first year |
|
|
1.5 points per dollar on Visa, uncapped |
20.99% p.a. |
No current offer |
$295 $199 in the first year |
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 |
20.99% p.a. |
No current offer |
$199 $99 in the first year |
|
|
0.75 points per dollar on Visa, up to $250,000 per year |
20.99% p.a. |
No current offer |
$370 |
|
|
1 point per dollar on Visa, uncapped |
20.99% p.a. |
No current offer |
$124 $49 in the first year |
|
|
1.5 points per dollar on Visa, uncapped |
20.99% p.a. |
No current offer |
$295 $199 in the first year |
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 |
20.99% p.a. |
No current offer |
$199 $99 in the first year |
|
|
0.75 points per dollar on Visa, up to $250,000 per year |
20.99% p.a. |
No current offer |
$370 |
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.
The only thing I dont like about st george is shutting down branches
Read full reviewThe only thing I dont like about st george is shutting down branches
Live the reward points. We don’t pay interest as we make sure we pay off the credit card each month so the rewards make it really worthwhile
Read full reviewLive the reward points. We don’t pay interest as we make sure we pay off the credit card each month so the rewards make it really worthwhile
Card is nice and simple, no frills and no fees. Online tools are a bit limited, makes it a little difficult to manage.
Read full reviewCard is nice and simple, no frills and no fees. Online tools are a bit limited, makes it a little difficult to manage.
The only problem is that there is no branch near me. Their app is excellent and very easy to use.
Read full reviewThe only problem is that there is no branch near me. Their app is excellent and very easy to use.
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 reviewI 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.
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.