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Upgrade my credit card FAQs

  1.  Why upgrade my credit card?

    As your needs change, you could get more out of your credit card by switching to another St.George card.

    Before you apply, you should compare our credit cards, including their interest rates and fees, so that you choose the product that is right for you. You can also call us on 13 33 30 or visit a branch to discuss these products.

    Your changed needs Cards to consider
    You want to earn rewards points Link an Amplify Visa® Card to Amplify Rewards2 or Amplify Qantas3
    You want to earn Qantas Frequent flyer points Link an Amplify Visa® Card to Amplify Qantas3
    You want a higher credit limit

    Platinum Visa® Credit Card – minimum credit limit $6,000 Card

    Gold Low Rate Visa® Card or MasterCard® – minimum credit limit $5,000
    You want (up to 55 days) interest free days on your purchases1

    Vertigo MasterCard®

    Amplify Visa® Card

    Gold Low Rate Visa® Card or MasterCard®

    Platinum Visa® Card
    You want complimentary travel insurance covers and purchase insurance covers4

    Platinum Visa® Card

    Gold Low Rate Visa® Card or MasterCard®
    You want domestic flight inconvenience insurance cover4 Platinum Visa® Card
    You want price guarantee cover on your purchases in Australia4 Platinum Visa® Card
    You want a Personal Concierge service5 Platinum Visa® Card
    You want a higher daily cash limit Platinum Visa® Card
    You want more than one additional cardholder at no extra cost

    Platinum Visa® Card

    Gold Low Rate Visa® Card or MasterCard®

    No Annual Fee Credit Card
    You want to switch from your No Annual Fee Credit Card to a card with lower variable interest rates

    Vertigo MasterCard®

    Amplify Visa® Card

    Gold Low Rate Visa® Card or MasterCard®

    Platinum Visa® Card

  2.  Do I pay an annual fee on my new card?

    You will pay the full annual fee of the card you change to when you activate your new card.

  3.  What happens to my balance on my existing card?

    You remain liable for any outstanding transactions made on your existing card. Any balances you still owe on your card plus any accrued but unpaid interest on your existing account will be subject to the new product’s Conditions of Use and Fees and Charges.

  4.  What if I need to increase my credit limit?

    If you apply for another card from St.George that has a higher minimum credit limit than you currently have, you will also need to apply to increase your credit limit. Complete the Online Credit Limit Increase Application or download and print the PDF Credit Limit Increase Application form.

  5.  How do I apply to switch my card?

    To apply, complete the Request for a Credit Card Transfer Form. Or call us on 1300 784 934 or visit any St.George branch to discuss your options.

Compare and Calculate

Compare credit cards Tools & calculators Help me choose a credit card

Important information

Conditions, fees and credit criteria apply.

View the terms and conditions.

Please read these documents and keep a copy. You can request a paper copy at a branch.

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it's right for you. If you need help, call 13 33 30.

1On credit purchases only, where account balance (including any balance transfer amount) is paid in full by the due date each month. Interest on cash advances is calculated from the date the transaction is debited into your account.
2The earning of Amplify points are earned on eligible purchases through the use of an Amplify Card and is subject to the Amplify Rewards Terms and Conditions. Amplify points are not earned on cash advances, balance transfers and ATM withdrawals. You are not entitled to amplify points in other specified circumstances. You need a minimum of 3,000 Amplify points before you can redeem for any reward. Specific conditions may apply to the redemption of particular rewards. Refer to amplify.stgeorge.com.au.

3The earning of Qantas Frequent Flyer points are earned on eligible purchases through the use of an Amplify Card is subject to the Amplify Qantas Terms and Conditions. Qantas Frequent Flyer points are not earned on cash advances, balance transfers and any withdrawals. You are not entitled to Qantas Frequent Flyer points in other specified circumstances. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Frequent Flyer points. Membership and points are subject to the terms and conditions of the Qantas Frequent Flyer program. A joining fee usually applies, but St.George has arranged for this to be waived for a limited time, for new Amplify cardholders who aren’t already members who choose to link their Amplify Card to Amplify Qantas (limit of one complimentary membership per new account). For more information on the Qantas Frequent Flyer program visit qantas.com/frequentflyer or call 13 11 31.
4These insurance covers are issued by Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507. These benefits are provided to cardholders as complimentary benefits and are subject to the Terms and Conditions and exclusions contained in the Policy of Insurance. No Westpac Group company has any liability in connection with the insurance policies. Please refer to the Gold and Platinum Credit Card Insurance Conditions of Use for a full explanation of cover and exclusions.
5Platinum Concierge Services is a service benefit of the St.George Platinum Cards. Services. For more information, please refer to Visa or MasterCard.