St.George

St.George Bank is one of Australia's leading Retail and Business Banking brands. In 2008, St.George became part of Westpac Group.

St.George credit cards

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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

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 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.

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.

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.

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Q&As

Why should I bank with St.George?

St.George Bank currently has more than 9,000 employees and is considered to be one of the top 20 public companies in Australia. They got their start as a housing bank back in 1937 and have been expanding ever since. In 1992, they made the switch to a fully-fledged financial services company whose credit cards and other products are highly revered throughout Australia.

What banking products and services do St.George offer?

The bank provides a comprehensive range of services and products for business and corporate customers with 28 dedicated business banking centres and online and telephone services. Services include transactions, savings, credit cards, lending and finance, payment solutions, insurance and agribusiness.

St.George’s personal banking products cover a range of everyday and savings accounts, credit cards, personal loans, home loans, share trading, insurance.

All customers can access their accounts through a range of online services, which include online, mobile and telephone banking.

How long have St.George been around?

The St.George Co-operative Building Society was in south Sydney in 1937. The society grew over the years and rapidly expanded during the post-war housing boom in the 1950s. In 1955, the Society became a Permanent Building Society, aiming to provide funds for members to buy houses.

In 1970, the society adopted the familiar dragon logo. In 1972, St.George became the first Australian building society to go online when it installed an IBM computer network. It was awarded full banking status in 1992 and in the same year acquired BankSA.

In 2008, St.George Bank shareholders approved a merger with Westpac Banking Corporation.