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What is a balance transfer?

A balance transfer is when the outstanding balance from up to 3 other credit, charge or Australian store cards is put on to your St.George credit card. Benefits can include:
Saving money on interest payments
If you’re taking advantage of a promotional balance transfer rate to pay off your balance. After the promotional period you'll be charged interest at the cash advance rate on any unpaid transferred balances.
Consolidating your credit card debt
With only one account to pay off, it’s easier to track repayments.
Managing your annual fees
Closing the other card accounts means you only have one set of annual fees to pay. 

 

Choose your card

 

Other cards with a balance transfer

No Annual Fee

A straightforward, everyday credit card with no annual card fee, ever.

Get 0% p.a. for 12 months on balance transfers. 1% balance transfer fee applies#.

Amplify Signature Amplify Rewards

Our most rewarding credit card with Amplify Points.

Current offer includes 0% p.a. for 6 months on balance transfers#, 200k bonus Amplify Points^, and more. Minimum spend applies.

Amplify Signature Amplify Qantas

Our most rewarding credit card with Qantas Points.

Current offer includes 0% p.a. for 6 months on balance transfers# and 90k bonus Qantas Points*. Minimum spend applies.

Balance transfer FAQs

Yes. Existing St.George credit card customers can request a balance transfer from another store, charge or non-St.George, Bank of Melbourne and BankSA credit card to their existing St.George credit card account. Balance(s) transferred will be at the special balance transfer rate of 6.99% p.a. for 12 months. Rate then switches to variable cash advance rate.

You can transfer up to two balances from another store or credit card to your St.George credit card provided you meet the minimum requirements for balance transfers.

To apply to transfer a balance to your existing St.George credit card, simply complete the balance transfer request form and send it back to us.

You can also request a balance transfer through Internet Banking. Once logged in, select "Transfer & payments" and then select "Pay out a credit card held with another bank." You can also arrange this over the phone by calling 13 33 30.

Important information
Conditions, fees and credit criteria apply. This card is issued as a Visa card.Before making a decision read the Terms and Conditions and consider if the product is right for you. 

Switches, upgrades, or Westpac Group staff are ineligible.This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

#Balance Transfer Promotion: The promotional balance transfer rate is available when you apply and are approved for a new No Annual Fee, Amplify Signature or Amplify Platinum credit card between 1st October 2020 and 9th February 2021, and request at card application to transfer balance(s) from up to 3 non-St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 80% of your available credit) for the promotional period unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. A balance transfer fee of 1% will apply to balance(s) transferred to a new No Annual Card Fee or Amplify Platinum Amplify Qantas credit card. A balance transfer fee of 1.5% will apply to balance(s) transferred to a new Amplify Platinum Amplify Rewards credit card. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. No balance transfer fees apply to Amplify Signature credit card. At the end of the promotional period, the applicable variable cash advance rate will apply to any remaining unpaid transferred balance(s). We will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the 'Monthly Payment Balance' listed on your statement of account (not the full closing balance) by the relevant payment due date.

## Vertigo Balance Transfer Promotion: The promotional balance transfer rate is available when you apply and are approved for a new Vertigo credit card between 25th November 2020 and 30th March 2021, and request at card application to transfer balance(s) from up to 3 non-St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 80% of your available credit) for the promotional period unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. No balance transfer fees apply. At the end of the promotional period, the applicable variable cash advance rate will apply to any remaining unpaid transferred balance(s). We will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the 'Monthly Payment Balance' listed on your statement of account (not the full closing balance) by the relevant payment due date.

~Purchase Rate Promotion: Available when you apply and are approved for a new Vertigo Platinum or Amplify Platinum Amplify Rewards credit card between 1st October 2020 and 9th February 2021. The special promotional purchase rate applies from card approval, after the promotional period, the rate will switch to the variable purchase rate then applicable to your card account.

+First Year Annual Card Fee Waiver: The first-year annual card fee waiver promotion is available when you apply for a new Amplify Platinum Amplify Rewards credit card between 1st October 2020 and 9th February 2021. The first annual card fee will be debited to your card account on the 12-month anniversary of the first transaction on your account and annually thereafter.

++ Vertigo First Year Annual Card Fee Waiver: The first-year annual card fee waiver promotion is available when you apply for a new Vertigo credit card between 25th November 2020 and 30th March 2021. The first annual card fee will be debited to your card account on the 12-month anniversary of the first transaction on your account and annually thereafter.

^^Amplify Platinum Bonus Qantas Points Offer: The bonus Qantas Points promotion is available when you apply and are approved for a new Amplify Platinum Amplify Qantas credit card between 1st October 2020 and 9th February 2021, and spend $1,500 or more each month for the first 3 months from card approval on eligible purchases on an Amplify Platinum Amplify Qantas credit card. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, payments to the Australian Tax Office, government charges, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited to the card account. Existing customers who currently hold an Amplify, Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, 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.

^Amplify Signature Bonus Amplify Points Offer: To be eligible to receive up to 200,000 bonus Amplify Points over 2 years, you must apply and be approved for a new Amplify Signature Amplify Rewards credit card between 1st October 2020 and 9th February 2021. You'll receive 130,000 bonus Amplify Points when you spend a minimum amount of $12,000 on eligible purchases on the credit card within the first 12 months from card approval. You'll receive an additional 70,000 bonus Amplify Points in the second year of your credit account being open, if you spend a minimum of $12,000 on eligible purchases within the subsequent year. If you do not meet the minimum spend in one year, you forfeit the bonus points for that year only, however you are still eligible for bonus points in subsequent years if you meet the minimum spend in subsequent years during the promotional period. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, payments to the Australian Tax Office, government charges, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited to the card account. Existing customers who currently hold an Amplify, Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, 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.

*Amplify Signature Bonus Qantas Points Offer: The bonus Qantas Points promotion is available when you apply and are approved for a new Amplify Signature Amplify Qantas credit card between 1st October 2020 and 9th February 2021, and spend the minimum amount of $6,000 on eligible purchases on an Amplify Signature Amplify Qantas credit card within 90 days from card approval. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, payments to the Australian Tax Office, government charges, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited to the card account. Existing customers who currently hold an Amplify, Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, 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.

**55 Days Interest Free: Receive up to 55 days interest free on your purchases if your account is paid in full by the due date shown each month (excluding any balance transfers), this is called the Monthly Payment Balance on your statement.

1.Earn Amplify Points through the use of an Amplify, Amplify Platinum or Amplify Signature card as set out in the Amplify Terms and Conditions (PDF 167KB). Points are not earned on cash advances and balance transfers or in other specified circumstances. Minimum 3,000 Amplify points is needed to redeem for any reward. Specific conditions may apply to the redemption of particular rewards. Refer to amplify.stgeorge.com.au.

2. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible St.George account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Credit Card Complimentary Insurance Terms and Conditions (PDF 421KB) which may be amended from time to time. Westpac does not guarantee this insurance.

3. Earn Qantas Points as set out in the Amplify Terms and Conditions (PDF 167KB). Qantas Points are not earned on cash advances and balance transfers or in other specified circumstances. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program. A joining fee usually applies, but for a limited time St.George has arranged for this to be waived for new Amplify cardholders who are not already members and who choose to link their card to Amplify Qantas (limit of one complimentary membership per new account). For more information on the Qantas Frequent Flyer program visit  www.qantas.com/fflyer or call  13 11 31.