Pros and cons

  • Complimentary travel insurance
  • Access to branches
  • High interest-free days
  • Purchase rates
  • Fees may be moderate to high

St.George Bank credit cards rates

Product Name Card
Purchase Rate
Interest Free Days
Annual Fee
Late Payment Fee
Go to site
Company

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$79

$15

St.George Bank
More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$99

$15

St.George Bank
More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$279

$15

St.George Bank
More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$79

$15

St.George Bank
More details

Purchase Rate

0.00%

for 7 months then 19.74%

Interest Free Days

55

Annual Fee

$0

for 12 months then $99

$15

St.George Bank
More details

Purchase Rate

19.74%

Interest Free Days

55

Annual Fee

$139

for 12 months then $279

$15

St.George Bank
More details

Purchase Rate

13.99%

Interest Free Days

55

Annual Fee

$0

for 12 months then $55

$15

St.George Bank
More details

Purchase Rate

0.00%

for 15 months then 12.99%

Interest Free Days

55

Annual Fee

$49

for 12 months then $99

$15

St.George Bank
More details

Purchase Rate

20.74%

Interest Free Days

55

Annual Fee

$0

$15

St.George Bank
More details

Purchase Rate

13.99%

Interest Free Days

55

Annual Fee

$0

for 12 months then $55

$15

St.George Bank
More details

Purchase Rate

0.00%

for 15 months then 12.99%

Interest Free Days

55

Annual Fee

$49

for 12 months then $99

$15

St.George Bank
More details

About St. George credit cards

St. George offers a few credit card options, including:

  • Low interest 
  • No annual fee
  • Balance transfer
  • Rewards program
  • Frequent Flyer points (Qantas)
  • Overseas travel insurance
  • Platinum

St. George’s low interest card offer comes with a moderately low purchase rate, as well as a moderately high number of interest-free days. 

Points chasers can take advantage of St. George’s Amplify Rewards program, which allows you to earn points towards Qantas flights, Qantas upgrades, gift cards, merchandise and more. St. George’s rewards cards include a basic option, a standard option and platinum option. Some credit cards also come with complimentary travel insurance. 

There is also a St. George credit card with 0 per cent balance transfer deal, with various conditions attached.

St. George credit cards review

As St. George offers a range of credit cards, from no-frills options to high-end cards with perks, its interest rates and fees vary across each product.  

It has competitive, low-rate options as well as Platinum credit cards with understandably higher rates and fees. While there may be lower-rate credit card options out there from smaller or online lenders, you may miss out on the convenience of customer service and branch access that St. George offers.  

Its extensive rewards program may be a draw for customers looking for a credit card that earns them points towards merchandise and gift cards, as well as Qantas rewards. St. George also offers customers complimentary travel insurance on some credit cards. This can be a handy resource for travellers as this type of insurance can be a costly part of your travel budget. 

Learn more about St.George Bank

Current Interest Rate

This is the current interest rate on your existing credit card.

Should I get a credit card?

Once you've compared credit card interest rates and deals and found the right card for you, the actual process of getting a credit card is quite straightforward. You can apply for a credit card online, over the phone or in person at a bank branch. 

Monthly repayment

This is how much you can afford to pay on a monthly basis off your credit card. You can enter any amount you wish; but to make the balance transfer worthwhile the default is $200.

How to increase the NAB credit card limit?

If you use your NAB credit card regularly, you could consider requesting a higher credit limit. The good news is that it's fairly easy to do so using either the NAB app or NAB internet banking. 

NAB app: 

Step 1: Download the latest version of the NAB app.

Step 2: Select the ‘My Cards’ menu. 

Step 3: Select the card you want to increase the credit limit for. 

Step 4: Select ‘Usage Controls’ and then click on ‘Change Credit Limit’.

NAB internet banking: 

Step 1: Log into your account. 

Step 2: Choose the ‘My Cards’ menu. 

Step 3: Choose the card for which you want to increase the limit. 

Step 4: Choose ‘Change My Credit Card Limit’.  

If you don’t have the NAB app or cannot access NAB internet banking, you can even visit your local branch or call their contact center. 

Once you’ve applied to increase your NAB credit card limit, you’re likely to be asked for your

  • current employment details  
  • total income, before and after-tax deductions  
  • assets, liabilities, and expenses information

NAB will then assess this information to determine if your current financial situation suits the increased credit limit request, and your application will either be accepted or denied.

However, this process will only work if you’re attempting to increase your personal NAB credit card limit. For a business credit card, you can contact the NAB Corporate & Business Servicing team or speak to your NAB relationship manager. 

How do I apply for a BOQ credit card limit increase?

If you’re an existing BOQ customer, you can request a BOQ credit card limit increase over a phone call. However, you should remember that owning and using a credit card is a matter of financial responsibility, so it might be worth thinking this decision through. 

When requesting a credit card limit increase, you’ll need to be just as responsible in terms of how much you earn and can set aside to repay the outstanding card balance. A credit card company may approve a credit limit increase only if you can show that you have either the income or the disposable income, which is the amount you have left after all expenses have been paid out.

For this purpose, you may need to submit your latest income documents and bank statements for an increase. You may want to estimate how much you usually have left after deducting your expenses, and then use this amount to try and convince the credit card company. Also, you may prefer to pay off the card balance in full each month and thus avoid paying interest on the card, helping you back up any claims of financial responsibility, as well. 

Remember that you may not be able to apply for a credit card limit increase beyond any limitations on the type of card you own. For instance, if you own a card whose ceiling is $10,000, and your current limit is $5,000, you won't likely be able to apply for a $10,000 credit card limit increase.

How do I apply for a credit card online?

Current Annual Fees

These are the current annual fees on your existing credit card.

Can a pensioner get a credit card?

It is possible to get a credit card as a pensioner. There are some factors to keep in mind, including:

  • Annual income. Look for credit cards with minimum annual income requirements you can meet. 
  • Annual fees. If high fees are a concern for you, opt for a card with a low or $0 annual fee. 
  • Interest rate. Make sure you won’t have any nasty surprises on your credit card bill. Compare cards with a low interest rates to minimise risk.

What's the best credit card for rewards?

There is no one-size-fits-all best rewards credit card. It's best you research what type of rewards program you'd like, as well as the fees, interest rate and conditions associated with those types of cards before making a choice. 

Rewards credit cards can also come with high annual fees that may end up nullifying the rewards, so think how often you use the card to decide whether the benefits outweigh the extra cost for you. A card with a lower annual fee might require a lot of spending to get any useful rewards, while another card with a higher annual fee might need fewer purchases to get a reward. 

How easy is it to get a credit card?

For most Australians, there are no great barriers to applying for and getting approved for a credit card. Here are some points that a lender will consider when assessing your credit card application.

Credit score: A bad credit score is not the be all and end all of your application, but it may stop you being approved for a higher credit limit. If your credit score is less than perfect, apply for the credit limit that you need, rather than the one you want.

Annual income: Most credit cards have minimum annual income requirements. Make sure you’re applying for a card where you meet the minimum.

Age & residency: You need to be at least 18 years old to apply for a credit card in Australia, and most require that you are an Australian citizen or permanent resident. However, there are some credit cards available to temporary residents.

How do you use a credit card?

Credit cards are a quick and convenient way to pay for items in store, online or over the phone. You can use a credit card as a cashless way to pay for goods or services, both locally and overseas. You can also use a credit card to make a cash advance, which gives you the flexibility to withdraw cash from your credit card account. Because a credit card uses the bank’s funds instead of your own, you will be charged interest on the money you spend – unless you pay off the entire debt within the interest-free period. If you pay the minimum monthly repayment, you will be charged interest. There are many different credit card options on the market, all offering different interest rates and reward options.

How do you use credit cards?

A credit card can be an easy way to make purchases online, in person or over the phone. When used properly, a credit card can even help you manage your cash flow. But before applying for a credit card, it’s good to know how they work. A credit card is essentially a personal line of credit which lets you buy things and pay for them later. As a card holder, you’ll be given a credit limit and (potentially) charged interest on the money the bank lends you. At the end of each billing period, the bank will send you a statement which shows your outstanding balance and the minimum amount you need to pay back. If you don’t pay back the full balance amount, the bank will begin charging you interest.

What is a balance transfer credit card?

A balance transfer credit card lets you transfer your debt balance from one credit card to another. A balance transfer credit card generally has a 0 per cent interest rate for a set period of time. When you roll your debt balance over to a new credit card, you’ll be able to take advantage of the interest-free period to pay your credit card debt off faster without accruing additional interest charges. If your application is approved, the provider will pay out your old credit card and transfer your debt balance over to the new card. 

How to make a credit card online

If you’re wondering about how to make a credit card online application, here are some steps to follow:

  • Test the market. Many credit card options are available online. Compare providers by fees, interest and perks to ensure you’re getting the best deal.
  • Complete the application. Once you’ve selected a card, head to the provider’s website and complete the online credit card application form. Forms vary by providers.
  • Provide details. Most cards require you to meet age, residency, income and credit status condition, and you need to provide details like a bank account statement to prove this.
  • Review details. Ensure the information you’ve entered is correct.

How do you cancel a credit card?

It’s important to cancel your old cards to avoid any additional fees. Unless you’re doing a balance transfer, you’ll need to pay the outstanding balance before you cancel your credit card. If you’ve opted for a card with reward points, make sure you redeem or transfer the points before you close your account. To avoid any bounced payments and save yourself an admin headache, redirect all your direct debits to a new card or account. Once you’ve done all the preparation, call your bank or credit card provider to get the cancellation underway. Once you receive a confirmation letter, destroy your card and make sure the numbers aren’t legible.