St.George Credit Cards

Updated 14 October 2019

St.George is one of Australia's leading retail and business banking brands known for its exceptional service and innovative, award-winning products. As a subsidiary of Westpac, St.George certainly has plenty to offer in the way of financial products and services, including loans, transaction accounts and credit cards. As you would expect from one of Australia’s most popular banks, its credit card range is diverse enough to appeal to every need, from basic to feature-packed.

As a financial institution, St.George has a history that spans more than three quarters of a century. With roots firmly set in New South Wales, the bank was founded in the southern Sydney suburbs in 1937. Over the following decades, St.George expanded in size and reputation to become Australia's foremost building society, before achieving full banking status in July 1992. Then, in 2008, St.George merged with Westpac to become what would be one of the banking group’s three central subsidiaries, alongside BankSA and Bank of Melbourne.

Where BankSA concentrates its business on South Australia, and Bank of Melbourne focuses on Victoria, St.George is for the most part a New South Wales bank. This is where it focuses its branches and its extensive community activities. However, it goes without saying that to apply for a card from the St.George range you don’t actually need to live in New South Wales – you simply need to meet the eligibility criteria. Check out this criteria, alongside the wide range of features available on this page, where you can find everything from money-saving low rate and low fee cards, to rewards and premium options that offer more back in extras.

St.George Vertigo Rainbow Credit Card

St.George Vertigo Rainbow Credit Card

1 review

Apply by 12 Feb 20

More info
$0 saved over 18 months
Your savings
$ saved over 18 months
Calculate your savings icon
St.George Vertigo Platinum Rainbow Credit Card

St.George Vertigo Platinum Rainbow Credit Card

1 review

Apply by 12 Feb 20

More info
$0 saved over months
Your savings
$ saved over months
Calculate your savings icon
St.George Vertigo Credit Card

St.George Vertigo Credit Card

19 reviews

Apply by 12 Feb 20

More info
$0 saved over 18 months
Your savings
$ saved over 18 months
Calculate your savings icon
St.George Vertigo Platinum Credit Card

St.George Vertigo Platinum Credit Card

35 reviews

Apply by 12 Feb 20

More info
$0 saved over months
Your savings
$ saved over months
Calculate your savings icon
St.George No Annual Fee Credit Card

St.George No Annual Fee Credit Card

6 reviews

Apply by 12 Feb 20

More info
$0 saved over 12 months
Your savings
$ saved over 12 months
Calculate your savings icon
St.George BusinessVantage Credit Card

St.George BusinessVantage Credit Card

1 review
More info
$0 saved over months
Your savings
$ saved over months
Calculate your savings icon

2 reviews

Apply by 12 Feb 20

More info
points earned over 12 months
1 point
16.77% Complete (success)
Amplify Rewards
100,000
points
16.77% Complete (success)
Amplify Rewards
$49
first year
16.77% Complete (success)
then $99 p.a.
Your points
$120,000 saved over 12 months
Calculate your savings icon

3 reviews

Apply by 12 Feb 20

More info
points earned over 12 months
1.5 points
16.77% Complete (success)
Amplify Rewards
200,000
points
16.77% Complete (success)
Amplify Rewards
$139
first year
16.77% Complete (success)
then $279 p.a.
Your points
$120,000 saved over 12 months
Calculate your savings icon

2 reviews

Apply by 12 Feb 20

More info
points earned over 12 months
0.5 points
16.77% Complete (success)
Qantas Frequent Flyer
60,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$99
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review

Apply by 12 Feb 20

More info
points earned over 12 months
0.75 points
16.77% Complete (success)
Qantas Frequent Flyer
80,000
points
16.77% Complete (success)
Qantas Frequent Flyer
$139
first year
16.77% Complete (success)
then $279 p.a.
Your points
$120,000 saved over 12 months
Calculate your savings icon

5 reviews

Apply by 12 Feb 20

More info
points earned over 12 months
1 point
16.77% Complete (success)
Amplify Rewards
N/A
-1% Complete (success)
Amplify Rewards
$79
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review

Apply by 27 Nov 19

More info
points earned over 12 months
0.5 points
16.77% Complete (success)
Qantas Frequent Flyer
N/A
-1% Complete (success)
Qantas Frequent Flyer
$0
first year
16.77% Complete (success)
then $89 p.a.
Your points
$120,000 saved over 12 months
Calculate your savings icon

The St George Banking Group

Since its acquisition by Westpac, the St.George offering has expanded throughout Australia’s economic boom states, Queensland and Western Australia. The acquisition of the Bank SA and Bank of Melbourne brands have also assisted St.George’s growth and expansion.

About St.George Bank

In terms of credit cards, the St.George Vertigo balance transfer credit card is proving to be very popular, and St. George continues to service a large customer base for traditional non-credit card banking products. The bank’s core offering is one low-rate, mid tier and top-tier card, as well as the Vertigo balance transfer card. These are all explained in slightly more detail in the credit cards tab.

History

In 1848 the State Bank of South Australia and the Savings Bank of South Australia were both opened for business in South Australia. The two would later merge, but before that the St.George Cooperative Building Society was formed in Sydney in 1937. The Cronulla & District Cooperative Building Society was formed a month later. The two expanded quickly and 38 branches were established by 1955. That year they became one permanent building society.

The first Sydney branch was opened in 1961, followed by the first Sydney City CBD branch in 1963.

St.George established itself as a technologically forward bank in 1972 when it established the first passbook banking system to enable withdrawals from other bank branches. By the time of its acquisition by Westpac in 2008, St. George was the fifth largest bank in Australia. It also operates in the Northern Territory and South Australia under its brand BankSA.

St.George Credit Cards

With award-winning products and a strong focus on customer service and satisfaction, St.George uses its many years of experience within the financial industry to provide an excellent selection of credit cards.

For money-saving and great introductory offers, the St.George Vertigo card gives you a low annual fee and low ongoing interest rates. Another money-saver, the St.George No Annual Fee card is the ideal choice if you usually pay the full balance of your card each month and want to keep saving.

To save money and get Gold card benefits, try the St.George Gold Low Rate card, which has a strong focus on providing complimentary insurances.

If you want to be rewarded for your spending, check out the St.George Amplify Visa to earn points for either the Amplify Rewards or Amplify Qantas programs.

Yes. Amplify Travel rewards points can be redeemed for travel with most domestic and international airlines, but seats may not always be available with the airline of your choice. If you want to earn Qantas Frequent Flyer points, you can switch your Amplify rewards card for an Amplify Qantas rewards card. This means purchases you make will earn Qantas Frequent Flyer points directly.Amplify points can also be redeemed for air miles with Virgin Australia’s Velocity program, Singapore Airline’s KrisFlyer or Malaysia Airlines.
Yes, this is allowed, however the rate you get won’t be the same as the promotional rate. It is more likely to be closer to the standard purchase rate. Speak to St.George directly to discuss this.
You can set up an automatic payment for the full monthly payment, the minimum monthly payment or a fixed payment amount before your statement due date each month.
Yes, you are allowed to make additional repayments at any time during the month; however payments made before the statement issue date will not count as payment towards your next statement. You would need to wait until the statement has been issued if you don’t want to make another payment by the due date. If no payment is received by the due date additional fees may be charged.
Yes. It can be downloaded from the iTunes store or Google Play.
Yes, the St.George mobile banking app lets you pay to a friend or family member’s mobile number. You can also manage your different St.George accounts and update details, pay BPay bills or make international transfers, view pending transactions and interest earned and charged using the app.

Recently Asked Questions

Something you need to know? Ask a our credit card expert a question.

Ask Roland a Question

Hi, I’m the site founder and I will personally answer your question within a business day.

By submitting this question you agree to our privacy policy.

19 questions (showing the latest 10 Q&As)

Kia

Kia

2 July 2019
Hey I was just wondering what shelf life the business credit cards have
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 July 2019
    Hi Kia, a business credit card will just revolve as long as you keep paying your annual fee. That is, you should be able to keep it as long as you want. Though with the ever changing business credit card market. I suggest that you review your card every 6-12 months. You should always make sure what card you have is delivering based on features and fees.
Olwyn Tavendale

Olwyn Tavendale

17 December 2018
Does St George have a VISA debit card?
lISA

lISA

22 November 2018
Im looking at the Vertigo Rainbow Credit cards. Do either of them have an interest free period for purchases. Im not needing a balance transfer at this stage. with thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 November 2018
    Hi Lisa, yes they have an Interest Free Period (on purchases) of up to 55 days. This depends on when you purchase in your billing cycle. Also to receive any interest free days with all credit cards. You must pay your balance off in full the previous billing period. Therefore if you hold a balance, even $5, then you will not receive any interest free days. Good luck with your application. Have a read through our tips for getting approved - https://www.creditcard.com.au/creditcardapplicationtips/
A L

A L

7 October 2018
Looking at applying for a business credit card and another card for personal use at the same time. Is this possible?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 October 2018
    Hi AL, yes that is possible as its like 2 different people applying. Though your credit file is likely to get an inquiry on both credit apps. Find the right cards for each purpose. Let me know if you have any further questions.
SS

SS

31 July 2018
My partner has a St George Amplify credit card and I'm the additional card holder. If I get my own card/account, am I still eligible for the bonus points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 August 2018
    Hi SS, yes, being a current secondary cardholder does not exclude you from the bonus points. I have grabbed the terms for the bonus points. ^Bonus points promotion: The respective bonus points promotions are available when you apply and are approved for a new Amplify Platinum or Amplify Signature credit card between 19th April 2018 and 26th September 2018, and spend the minimum amount of $4,000 on eligible purchases on an Amplify Signature credit card or $2,000 on eligible purchases on an Amplify Platinum credit card within 90 days from card approval. Eligible purchases do not include BPAY or BPAY equivalent transactions, fees, cash, cash equivalent transactions, refunds and balance transfers debited from the card account. Existing customers who currently hold an Amplify Platinum or Amplify Signature card, or who have held one in the last 12 months, are not eligible for this offer. The bonus points will be credited to your points balance within 12 weeks after the eligible spend criteria is met.
rebecca

rebecca

7 June 2018
can I get a prepaid credit card and start using it straight away
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 June 2018
    Hi Rebecca, St George does not offer any prepaid cards. You can get a Visa or Mastercard debit account. This way you are using your own money. As soon as you have the card, you can start to use it.
Violet Heslop

Violet Heslop

26 November 2017
how can I make a direct pament on my credit card from my saving account
Catherine Campbell

Catherine Campbell

6 August 2017
how do I get a balance on my credit card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    7 August 2017
    Hi Catherine, you can login to your online banking or call St George Credit Card phone banking.
Angela m hume

Angela m hume

29 April 2017
How do I pay my MasterCard fee?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 May 2017
    Hi Angela, St George do not have MasterCard but only use Visa. Can you explain in more detail what information you are after?
Paul Kohout

Paul Kohout

26 April 2017
Does my Visa Gold Card include International Travel Insurance for 81 year old traveler?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    27 April 2017
    Hi Paul, unfortunately the complimentary overseas travel insurance with St George credit cards is up to a Overseas is for persons up to and including 80 years of age.
Jason

Jason

17 March 2017
My vertigo platinum credit card was sent to a branch that recently closed. I called and spoke to the card services team at st George and a new card was ordered and ID forms were sent for me to complete and return to ccc administration concord nsw I sent these completed forms back via expess post and 10 days later I still have not received my card should I be concerned?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 March 2017
    Hi Jason, I would definitely give St George credit card customer service a call on 1800 028 208. Just to confirm that they have received the forms and if so, a likely time you will receive the card.
chris mcarthur

chris mcarthur

15 March 2017
whats your best rate on a credit card ???
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    16 March 2017
    Hi Chris, St George have a range of 0% for 6 months intro offers on purchases running. Outside of this intro offer the lowest rate on purchases is the Vertigo Platinum with 12.74% p.a.
Maria Triandafylos

Maria Triandafylos

23 January 2017
I would like to find out what's the rate for a balance transfer to my existing St.George credit card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    24 January 2017
    Hi Maria, balance transfers are typically only available on new cards. Therefore you would not be able to get a special balance transfer offer on your existing card. If the debt is non-St George group, you could look to apply for another St George card that you are interested in, then to the transfer to that.
jeff thompson

jeff thompson

2 November 2016
RolandI am looking at a mastercard to replace my visa. There are mixed results on the net . Does St G have a Platinum Mastercard?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 November 2016
    Hi Jeff, it looks like St George at the moment are only issued with Visa.
Barbara Sutton

Barbara Sutton

11 September 2016
how do I register an updated credit card?
David

David

15 May 2015
Hi, I am looking to do a balance transfer (~$9000) from BankWest to St George Vertigo. As I have done a balance transfer previously (over a year ago) I am concerned about how much this may impact on credit rating and home loan approvals. My credit rating is still ok but had dropped since I have a few recent home loan inquires (not declines) on record about 12 months ago from my last investment home purchase. I will also be looking to refinance soon, so I don't want to risk my approval for this either. Is a balance transfer likely to impact much or is it better to either not do it or just delay it until after refi on my home? Cheers, Dave.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 May 2015
    Hi Dave - its good to think about your credit rating. If you have not applied for a credit card in the last 12 months, I don't think another application on your CRA will impact your approval on your home loan much. They are very different types of credit, therefore are looked at differently. The key is not to appear credit hungry. They will look at how many cards you have, max them out, then look at the repayments when accessing your ability to service the home loan. For 9k, I would still go the St George Vertigo Platinum offer which is stronger, a higher annual fee but they approve higher limits to make it more likely to accept the 9k balance transfer. The standard Vertigo can approve at lower balances. Good luck with your application and future refinancing.
Norm White

Norm White

24 April 2015
Currently have. Credit card debt of $5000 at westpac and was wanting to transfer it to a st greorge vertigo one please.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    24 April 2015
    Hi Norm - Westpac owns St George - so typically you would not be able to balance transfer. Though I don't believe this is the case, I think you can transfer your Westpac debt to St George no problem. Just complete an online application for the Vertigo and put in the details of the Westpac debt you need to transfer within the application. Naturally this is all subject to credit approval as well as the amount you will be given as a credit limit. Best of luck with your application.
joy campbell

joy campbell

12 November 2013
I have not received a reply to my application for a vertigo master card could you please help me
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 November 2013
    Hi Joy, we can surely try to help you. First of all, did you receive the acknowledgement e-mail immediately after you submitted the application? It will arrive within about one minute and should give you an application reference number. If you didn't even receive this, then it's highly possible the application was not submitted for whatever reason and you would need to try again. If you did receive the e-mail, you will have a reference number and contact information to follow up on your application.This will be directly with St. George, as we do not take or hold any of your information from the forms they go straight through to the bank in question, so only the bank can help you from there.Hope that helps, Kalianna
VICKI HEENAN

VICKI HEENAN

26 August 2013
I have just been given finance for my new car with some old blemishes on my credit file these have been paid and no problems for years. I want to transfer my high interest credit card balance to the vertigo card zero interest for 8 months. because of the blemish will I have problem applying. even though I now have an account with St George with car finance. first payment coming out Friday. am I better to come in and speak with someone to do thiskind Regards Vicki
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    27 August 2013
    Hi Vicki, it's really impossible for us to say whether any bank will reject your application based on a couple of blemishes, but it can be a good idea to wait around 6 months or so between applications if you've just received car finance. Another important point is that as a St. George customer you won't be eligible for the advertised balance transfer rate with them. Balance transfers exist for new customers only (to entice them away from the competition). You would be able to transfer a balance with St. George but will be offered a higher rate, and you should speak to them about that. You could also check out the other balance transfer options available on our balance transfer table, ones not with St. George or any of the Westpac banks (Bank of Melbourne and BankSA too). Read this article on balance transfer key rules before you do anything, as it explains more about what you need to know and how the process works. Good luck with it! Kalianna
Help us improve

By submitting this feedback you agree to our privacy policy.

My credit card is not listed

By submitting this form you agree to our privacy policy.