based on 9469 St.George banking product reviews as rated by Mozo community

St.George credit cards

Want to have a credit card handy for emergencies? St George offers a range of credit card options suited to your needs, with many taking out 2020 Mozo Expert Choice  Awards. 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.

What credit cards do St.George offer?

Rates and fees verified as correct at 20 September, 2021. Other information correct at the time of writing. Advertiser disclosure.

Low rate credit cards

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% p.a. for 30 months and then 21.49% p.a.

$55 $0 in the first year

55

13.99% p.a.

0% p.a. for 30 months and then 21.49% p.a.

$55 $0 in the first year

55

Go to site

13.99% p.a.

2.99% p.a. for 15 months and then 21.49% p.a.

$55 $0 in the first year

55

Go to site

Low fee credit cards

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  

0% p.a. for 12 months then 20.74% p.a.

2.99% p.a. for 15 months and then 21.49% p.a.

$0

55

Go to site

13.99% p.a.

0% p.a. for 30 months and then 21.49% p.a.

$55 $0 in the first year

55

13.99% p.a.

0% p.a. for 30 months and then 21.49% p.a.

$55 $0 in the first year

55

Go to site

13.99% p.a.

2.99% p.a. for 15 months and then 21.49% p.a.

$55 $0 in the first year

55

Go to site

Rewards credit cards

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, uncapped

19.74% p.a.

0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)

$99

Go to site

0.75 points per dollar on Visa, uncapped

19.74% p.a.

0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)

$279

Go to site

1 point per dollar on Visa, uncapped

19.74% p.a.

0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)

$99

Go to site

1.5 points per dollar on Visa, uncapped

19.74% p.a.

0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)

$279

Go to site

Prestige cards

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, uncapped

19.74% p.a.

0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)

$99

Go to site

0.75 points per dollar on Visa, uncapped

19.74% p.a.

0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)

$279

Go to site

1 point per dollar on Visa, uncapped

19.74% p.a.

0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)

$99

Go to site

1.5 points per dollar on Visa, uncapped

19.74% p.a.

0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)

$279

Go to site

Frequent flyer credit cards

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

19.74% p.a.

0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)

$99

Go to site

0.75 points per dollar on Visa, uncapped

19.74% p.a.

0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)

$279

Go to site

How are St.George credit cards rated?

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.

Icon of credit-cards
St.George credit cards
Overall
Price
Features
Customer service
Convenience
Trust

1207 Reviews

Recent St.George credit card reviews

St.George Credit Card
Overall 1/10
Avoid St George bank like the plague.

Strongly recommend you avoid St George bank like the plague. I don't think there could be much worse service. I applied for a credit card in order to gain airline points. Nearly two weeks later I was told it was declined - no further information. After two hours on the phone to incompetent staff, and after being mysteriously hung up on twice, I learned apparently I had insufficient capacity to make payments. I living in my own house, which I have more than 50% equity in; my credit score is 872 or "Excellent"; my total basic expenses are only 62% of my full time employment income; and my minimum house payment (included in expenses) is only 16% of my income. In other words, St George have rocks in their heads.

Read full review

Strongly recommend you avoid St George bank like the plague. I don't think there could be much worse service. I applied for a credit card in order to gain airline points. Nearly two weeks later I was told it was declined - no further information. After two hours on the phone to incompetent staff, and after being mysteriously hung up on twice, I learned apparently I had insufficient capacity to make payments. I living in my own house, which I have more than 50% equity in; my credit score is 872 or "Excellent"; my total basic expenses are only 62% of my full time employment income; and my minimum house payment (included in expenses) is only 16% of my income. In other words, St George have rocks in their heads.

Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Jack, Victoria, reviewed 3 months ago
St.George No Annual Fee
Overall 6/10
It is time and trustworthy

St Georges Bank is very reputable bank.

Read full review

St Georges Bank is very reputable bank.

Price
6/10
Features
7/10
Customer service
7/10
Convenience
7/10
Trust
6/10
Less
Sharon, New South Wales, reviewed 3 months ago
St.George Credit Card
Overall 9/10
Really good

Been with this bank since young but their handling of accounts has always been professional. If you have problems with English, there is always staff there to handle the language barrier to ensure you get the best possible experience out of accessing your services. Can also tailor an account according to your plans too.

Read full review

Been with this bank since young but their handling of accounts has always been professional. If you have problems with English, there is always staff there to handle the language barrier to ensure you get the best possible experience out of accessing your services. Can also tailor an account according to your plans too.

Price
9/10
Features
9/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
William, New South Wales, reviewed 3 months ago
St.George Credit Card
Overall 1/10
Apply at your own risk

I work for public hospital. Currently have salary packaging and novated lease. Have a 2nd highest credit rating. Earn a 6 figure salary, with approx 65% outgoings. Credit card application took over 2 weeks to return as declined (which during this time, St George kept asking for documentation which was already submitted in the initial submission). Took continuous phone calls to finally find out that St George does not assess salary packing + the tax free component of novated lease as income (by the way, also found out that St George did not look at half of the key documents which I had submitted). That is approx $20k of income that St George refuses to consider as income. This is even when it is clear the income is indicated in my bank statement as being received on a regular basis. Credit rating hit, plus a waste of time. Imagine if you are applying for a home loan? $20k less per year would equate to considerable amount of borrowing power. My advice is, if you work in a public sector, where you have taken on salary packaging (this is not salary sacrifice, which St George keeps thinking what this is), I would avoid. Unless you do not mind risking borrowing way less than what other banks may offer you (for a home loan) or getting declined for credit cards. My opinion is, St George assessment or verification team needs education and training.

Read full review

I work for public hospital. Currently have salary packaging and novated lease. Have a 2nd highest credit rating. Earn a 6 figure salary, with approx 65% outgoings. Credit card application took over 2 weeks to return as declined (which during this time, St George kept asking for documentation which was already submitted in the initial submission). Took continuous phone calls to finally find out that St George does not assess salary packing + the tax free component of novated lease as income (by the way, also found out that St George did not look at half of the key documents which I had submitted). That is approx $20k of income that St George refuses to consider as income. This is even when it is clear the income is indicated in my bank statement as being received on a regular basis. Credit rating hit, plus a waste of time. Imagine if you are applying for a home loan? $20k less per year would equate to considerable amount of borrowing power. My advice is, if you work in a public sector, where you have taken on salary packaging (this is not salary sacrifice, which St George keeps thinking what this is), I would avoid. Unless you do not mind risking borrowing way less than what other banks may offer you (for a home loan) or getting declined for credit cards. My opinion is, St George assessment or verification team needs education and training.

Customer service
1/10
Less
Stan, Victoria, reviewed 5 months ago
St.George Vertigo
Overall 6/10
Reliable bank. Decent credit card.

St. George have always been good with customer service. Their branches and ATMs are disappearing but that is happening with all of the banks. The credit card I have is fine enough for my needs. The only thing I really don't like about St. George is that they are rated poorly regarding ethics.

Read full review

St. George have always been good with customer service. Their branches and ATMs are disappearing but that is happening with all of the banks. The credit card I have is fine enough for my needs. The only thing I really don't like about St. George is that they are rated poorly regarding ethics.

Price
5/10
Features
7/10
Customer service
9/10
Convenience
7/10
Trust
9/10
Less
Michael, New South Wales, reviewed 6 months ago

What do you need to apply for a St.George credit card?

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:

  • Online
  • In a St. George branch
  • Over the phone

You’ll have to supply your personal details, plus details of your employment and income, including:

  • Your current and previous employment
  • Your credit report and financial history
  • Your history with St. George, if you’re already a customer

Want to know more? Check out our guide on applying for a credit card.

Credit card quick links