St.George credit cards

Compare St.George credit card rates, fees, and rewards to make an informed decision about applying for a credit card.

Yvonne Taylor avatar
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Updated 28 Mar 2025   |   Rates updated regularly

Comparing of 9 St.George credit cards

St.George Vertigo Visa Credit Card

Not available for application via this website

Apply by 30 April 2025

St.George Vertigo Visa Credit Card

Highlights

  • Get a 0% interest rate on balance transfers for 24 months with a 1% transfer fee. After that, the rate changes to 21.99% p.a. for cash advances.
  • Start with a credit limit as low as $500, helping you keep your spending in check.
  • Add 1 additional cardholder at no extra cost.

Pros

  • Get a limited edition exclusive rainbow design card.
  • A 13.99% p.a. variable rate keeps interest costs lower on purchases.
  • Low annual fee of $55 p.a.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Note that the balance transfer rate reverts to 21.99% p.a. after 24 months.
  • The 1% balance transfer fee is low but it can add up with large transfers
  • No rewards program which is typical for a basic card.
St.George Vertigo Visa Credit Card (Up To $500 Total Cashback)

Not available for application via this website

St.George Vertigo Visa Credit Card (Up To $500 Total Cashback)

Highlights

  • Earn 10% cashback on purchases at participating supermarkets and petrol stations (with a maximum of $500 cashback). Terms and Conditions apply.
  • Get a 6.99% interest rate on balance transfers for 12 months with no transfer fee. After that, the rate changes to 21.99% p.a. for cash advances.
  • Start with a credit limit as low as $500, helping you keep your spending in check.

Pros

  • Get a limited edition exclusive rainbow design card.
  • This card’s cashback offer makes it a great choice for supermarket and petrol spending.
  • No BT fee.
  • Add 1 additional cardholder at no extra cost.
  • A 13.99% p.a. variable rate keeps interest costs lower on purchases.
  • Low annual fee of $55 p.a.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Cashback earnings are capped at $500, so planning your spending is important.
  • Other cards offer 0% on balance transfers with longer transfer periods.
  • A 3% overseas transaction fee applies, so it’s worth considering for frequent travelers.
St.George Amplify Platinum Credit Card (Qantas)

Not available for application via this website

Apply by 30 April 2025

St.George Amplify Platinum Credit Card (Qantas)

Highlights

  • Earn 50,000 Qantas Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 0.5 points for every $1 spent on eligible domestic and overseas purchases.
  • Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros

  • Earn 50,000 bonus Qantas Points when you meet the criteria.
  • The discounted annual fee for the first year.
  • Get access to Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Earnings are capped at $100,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.5 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, worth it if you regularly earn points.
St.George Amplify Platinum Credit Card (Amplify)

Not available for application via this website

Apply by 30 April 2025

St.George Amplify Platinum Credit Card (Amplify)

Highlights

  • Earn 100,000 Bonus Amplify Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 1 point for every $1 spent on eligible domestic and overseas purchases.
  • You can use your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros

  • Earn 100,000 Bonus Amplify Points when you meet the criteria.
  • No limit on the points you can earn, which is great for high-spenders.
  • The discounted annual fee for the first year.
  • Get access to Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
St.George Amplify Signature Credit Card (Amplify)

Not available for application via this website

Apply by 30 April 2025

St.George Amplify Signature Credit Card (Amplify)

Highlights

  • Earn 150,000 Bonus Amplify Rewards Points (equivalent to up to $675 in eGift cards) by spending $12,000 on eligible purchases in your first year. Terms and Conditions apply.
  • Earn 1.5 points for every $1 spent on eligible domestic and overseas purchases.
  • Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Get 2 free Priority Pass lounge visits each year.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros

  • Earn 150,000 Bonus Amplify Points when you meet the criteria.
  • No limit on the points you can earn, which is great for high spenders.
  • The discounted annual fee for the first year.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • After the first year, the annual fee reverts to $295 p.a., so factor this into long-term costs.
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
St.George Amplify Signature Credit Card (Qantas)

Not available for application via this website

Apply by 30 April 2025

St.George Amplify Signature Credit Card (Qantas)

Highlights

  • Earn 80,000 bonus Qantas points when you spend at least $6,000 on eligible purchases in the first 90 days from new card approval. Terms and Conditions apply.
  • Earn 0.75 points for every $1 spent on eligible domestic and overseas purchases.
  • Earn 2x points on purchases with Qantas Frequent Flyer partners—once with your card and once with the airline partner.
  • Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
  • Get 2 Qantas lounge passes each year, perfect for adding comfort to your travels.

Pros

  • Earn 80,000 Bonus Qantas Points when you meet the criteria.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
  • Access Visa’s Luxury Hotel Collection, offering perks like room upgrades and late checkouts.
  • Add 1 additional cardholder at no extra cost.
  • Includes fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Earnings are capped at $250,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.75 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, which is worth it if you regularly earn points.
St.George Amplify Business Credit Card

Not available for application via this website

St.George Amplify Business Credit Card

Highlights

  • Choose between Amplify Rewards or Qantas Frequent Flyer rewards.
  • Earn Amplify Points as follows: 2 points per $1 spent overseas, 1 point per $1 on Australian purchases, and 0.5 points per $1 on government payments.
  • Earn Qantas Points as follows: 1 point per $1 spent overseas, 0.5 points per $1 on Australian purchases, and 0.25 points per $1 on government payments.

Pros

  • No cap on how many points can be earned from eligible spending.
  • $0 annual card fee for the first year ($89 p.a. thereafter).
  • Get up to 3 additional cards for employees at no additional cost.
  • Includes transit accident insurance and unauthorized transaction insurance.
  • This card simplifies tax reporting with direct exports to MYOB, BAS, or Excel.

Cons

  • The cash advance interest rate of 20.24% p.a.
  • Relatively few additional cardholders.
St.George Amplify BusinessVantage Credit Card

Not available for application via this website

St.George Amplify BusinessVantage Credit Card

Highlights

  • A low 9.99% p.a. rate on purchases helps keep costs down.
  • Get up to 99 additional cardholders, each with individual card limits.
  • Detailed statements help you track and manage your spending more easily.

Pros

  • Competitive interest rates for purchases.
  • Cash advances have a rate of 17.15% p.a., but it's still lower than many other credit cards of the same type
  • Get up to 55 days interest-free on purchases.

Cons

  • The $55 p.a. annual fee per additional card.
  • Limited benefits for business transactions.
  • A 3% foreign transaction fee applies to transactions made overseas.
St.George No Annual Fee Credit Card

Not available for application via this website

St.George No Annual Fee Credit Card

Highlights

  • A basic credit card with no annual fee—ever.
  • Start with a credit limit as low as $500, helping you keep your spending in check.
  • You can add up to three additional cardholders at no extra cost, making it a convenient option for sharing account benefits.

Pros

  • Get up to 55 interest-free days on purchases.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • This card does not include a rewards program, which is consistent with its positioning as a straightforward, no-frills option.
  • Ongoing rates are not low.
  • A 3% overseas transaction fee applies to international purchases

More about St.George credit cards

Details about St.George's interest rates, fees, rewards, and benefits.

  • FAQs

Can I apply for a credit card with St.George and keep my existing bank account?

Yes. You can apply for a credit card from St.George and run your existing bank account as usual. You do not need to switch accounts.

Will I be able to manage my account online or using my phone?

Yes. St.George have had online banking for years. You can use it to perform all the usual tasks, e.g. review recent transactions, set up payments, etc.

Apart from the usual telephone banking service, they also have apps for your smartphone.

What types of cards does St.George offer?

A selection of credit cards are available from St.George, offering choices such as no annual fee, low balance transfer rates and more.

The Platinum Visa credit card has historically offered a relatively low annual fee, a range of complimentary travel and purchase insurance covers, and the option for a low interest balance transfer. The St.George Amplify credit card provides access to a choice of two rewards schemes: Amplify Rewards or Amplify Qantas Rewards.

What are the benefits of transferring other balances to St.George?

You can save money when you transfer a balance from a non-St.George credit card to a new St.George credit card with lower interest rates for the introductory period. You should be aware that the rate returns to the standard purchase rate when the introductory period ends.

Can I transfer a balance if I currently have a St.George credit card?

Yes, if you have an existing St.George credit card you can transfer a balance from a third party to your credit card. However, you may not get the promotional interest rate on balance transfers. You can compare promotional balance transfer deals from a range of banks here.

Can I transfer balances between St.George credit cards?

No. If you have more than one St.George credit card, you can make payments between cards using standard repayment methods, but a balance transfer is a different type of transaction and can only be made from non-St. George credit cards and debts.

Do I have to pay a fee for a balance transfer?

On some St.George credit cards there is a fee for balance transfers. Please also note that at the end of the promotional balance transfer period, your rate will revert to a higher interest rate, normally the variable cash advance rate applicable at the time, and any outstanding debt will be charged accordingly.

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