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Compare credit cards

Whether you want to earn rewards or enjoy the simplicity of a low rate card, this helpful tool makes it easy to compare credit cards so that you feel confident in your decision.

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Important information

Before you apply, you should compare our credit cards or business credit cards, including their interest rates and fees, so that you choose the product that is right for you. You can also call St.George on 1300 784 934 or visit a branch to discuss these products.

Conditions, fees and credit criteria apply.

View the terms and conditions.

Credit Card Conditions of Use (PDF 591KB)

Credit Card Accounts Fees and Charges (PDF 144KB)

Amplify Rewards Terms and Conditions (PDF 1010KB)

Credit Card Complimentary Insurance Terms and Conditions (PDF 328KB)

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this information, please consider if it's right for you. If you need help, call 1300 784 934.

Switches, upgrades, or Westpac Group staff are ineligible. The promotions may be varied or withdrawn at any time and is not available in conjunction with any other promotion.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 Vertigo, No Annual Fee, Amplify Signature or Amplify Platinum credit card between 3rd October 2019 and 12th February 2020, and request at card application to transfer balance(s) from up to 3 non-Bank of Melbourne, St.George and BankSA Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) 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 Fee credit card and 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 Vertigo, Amplify Signature or Amplify Platinum credit cards. At the end of the promotional period, the applicable variable cash advance rate will apply to any outstanding 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). Interest free days on purchases do not apply to credit cards with balance transfers. You will be charged the applicable purchase rate on any spend that you make whilst you have an outstanding balance transfer.

^Amplify Signature Bonus 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 Credit Card between 3rd October 2019 and 12th February 2020. 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 BPAY or BPAY equivalent transactions, fees, cash, cash equivalent transactions, refunds, balance transfers debited from the card account, government fees and ATO payments. 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 Platinum Bonus Points Offer: To be eligible to receive up to 100,000 bonus Amplify points over 2 years, you must apply and be approved for a new Amplify Platinum Credit Card between 3rd October 2019 and 12th February 2020. You'll receive 70,000 bonus Amplify points when you spend a minimum amount of $6,000 on eligible purchases on the Amplify Platinum credit card within 12 months from card approval. You'll receive an additional 30,000 bonus Amplify points in the second year of your credit account being active, if you spend a minimum of $6,000 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 BPAY or BPAY equivalent transactions, fees, cash, cash equivalent transactions, refunds, balance transfers debited from the card account, government fees and ATO payments. Existing customers who currently hold an Amplify, Amplify Platinum or Amplify Signature card issued by Bank of Melbourne, St.George 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 Qantas Bonus Points Offer: The respective bonus points promotions are available when you apply and are approved for a new Amplify Platinum Qantas or Amplify Signature Qantas credit card between 3rd October 2019 and 12th February 2020, and spend the minimum amount of $6,000 on eligible purchases on an Amplify Signature Qantas credit card or $2,000 on eligible purchases on an Amplify Platinum Qantas credit card within 90 days from card approval. Eligible purchases do not include BPAY or BPAY equivalent transactions, fees, cash, cash equivalent transactions, refunds, balance transfers debited from the card account, government fees and ATO payments. Existing customers who currently hold an Amplify, Amplify Platinum or Amplify Signature card issued by Bank of Melbourne, St.George 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. Interest free days do not apply to credit cards with balance transfers, you'll be charged the applicable purchase rate on any spend that you make whilst you have an outstanding balance transfer.

**Discounted First Year Fee: The discounted first year annual card fee promotion is available when you apply for a new Amplify Platinum (and elect to link your card account to the Amplify Rewards program), Vertigo Platinum or Amplify Signature credit card between 3rd October 2019 and 12th February 2020. The first annual card fee at the reduced rate will be debited from your card account on your first transaction and the full annual card fee, will be debited annually thereafter. Credit criteria, fees and charges apply.

~Purchase Rate Promotion: The special promotional rate of 0% p.a. on purchases for 15 months applies from card approval when you apply for a new Vertigo Platinum credit card between 3rd October 2019 and 12th February 2020. After 15 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.

Priority Pass Membership: complimentary Priority Pass membership is available to Primary Cardholders earning Amplify Points through the Amplify Rewards program. To enrol go to prioritypass.com/amplifysignature. Lounge usage in excess of two visits and all guest visits will be charged directly to your Amplify Signature Credit Card at the visit fee of US$32 per person, per visit. The first two visits within each twelve month membership period are complimentary to the Primary Cardholder only, after which every visit would be charged as per the prevailing rates; currently US$32 per person. Any accompanying guests will be charged US$32 per visit, which will be automatically charged to the Cardholder’s Amplify Signature Credit Card. The date of each visit determines which year of membership the visit is allocated to. Unused visits cannot be carried forward to the following year of membership. The number of free visits will be reset to two per each 12-month period. Renewal terms and conditions are at the discretion of Priority Pass Ltd. For full details visit Priority Pass website at prioritypass.com/Conditions-of-use.cfm.

1. Up to 55 days interest free on purchases when you pay the full closing balance (including any balance transfer amount) by the statement due date each month.

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 328KB) which may be amended from time to time. Westpac does not guarantee this insurance.

3. An additional card can be issued on the primary cardholder's credit card account to any nominated person over the age of 16 years provided the account is not a joint account. All transactions using an additional card will be the responsibility of the primary cardholder. All Amplify or Qantas points remain the benefit of the primary cardholder.

4. Depending on your choice of rewards program, you can earn Amplify Points or Qantas Points on your eligible purchases. The earning and redemption of Amplify Points and Qantas Points is subject to the Amplify Rewards and Amplify Qantas Terms and Conditions (PDF 1010KB). Purchases that are not eligible to earn points include payments to the Australian Taxation Office and other circumstances set out in the Amplify Rewards and Amplify Qantas Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. Qantas Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis.

5. Amplify Rewards and Amplify Qantas are separate rewards programs that each offer airport lounge passes. Cardholders are only eligible for lounge passes offered for their selected rewards program and conditions apply. Lounge passes are subject to expiry. Priority Pass is offered to Amplify Rewards Cardholders, who must enrol via prioritypass.com/amplifysignature. For full details visit prioritypass.com/Conditions-of-use.cfm. Qantas Club Lounge Invitations is offered to Qantas Rewards Cardholders who must enrol via loungepass.stgeorge.com.au. Access and use is subject to Qantas Club Rules. For full terms and conditions visit qantas.com/qantasclub and some exclusions apply.