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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
Conditions, fees and credit criteria apply. Standard rates and fees applicable for new cards. May not apply for existing credit card accounts. 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 This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

<<Vertigo Cashback offer: This cashback promotion is available when you apply and are approved for a new Vertigo credit card between 7th November 2023 and 31st July 2024, then use it at a participating supermarket and petrol outlets within 180 days from card approval. You will receive 10% cashback on each eligible spend at a participating supermarket and petrol outlets, capped at maximum of $400 per card account. Cashback will be paid as a statement credit to your Vertigo credit card within 30 days of each eligible spend. Your credit card account must be open in order to receive the cashback. If your card is suspended or cancelled, the credit will not be applied. Cashback is only available on one credit card account per customer. This cashback does not form part of the account’s minimum monthly repayment. 

Participating supermarkets and petrol outlets: Each supermarket’s and petrol outlets eligibility is based on its merchant classification. While most major and many independent supermarkets and petrol outlets are participating, those not classified in the Supermarket, Grocers and Service Station merchant categories will not be participating. Examples of supermarkets not participating include: Coles Express, Costco, Metropolitan Fresh and wholesaler supermarkets.

Spend Exclusions: Gift card or eGift card purchases at participating supermarkets are not counted as part of eligible spend. Eligible spend also excludes fees, cash, cash-equivalent transactions, third party payments such as AfterPay, BPAY, PayPal or PayPal equivalent.

Existing credit card customers who held a St.George, Bank of Melbourne or BankSA in the last 12 months, are not eligible for this offer.

>>Vertigo Balance Transfer offer: The promotional balance transfer rate is available when you apply and are approved for a new Vertigo credit card between 7th November 2023 and 31st July 2024, 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 promotional 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. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. St.George 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 28th February 2024 and 31st July 2024, 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 promotional 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. Activating your card triggers the processing of the balance transfer. A balance transfer fee of 1% of the transferred balance(s) will apply to balance(s) transferred to a Vertigo credit card. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. St.George 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.

*Amplify Platinum Bonus Amplify Points Offer: The bonus Amplify Points promotion is available when you apply and are approved for a new Amplify Rewards Platinum credit card between 7th November 2023 and 31st July 2024, and spend the minimum amount of $3k on eligible purchases within 90 days from card approval in one or more transactions. Eligible purchases do not include interest, fees and charges, cash, or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from 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, or Credit Card Product Switches, upgrades or Westpac group staff are not eligible for this offer. The bonus Amplify Points will be added to your points balance within 12 weeks of the eligible spend criteria being met.

###Amplify Rewards Platinum Balance Transfer Promotion: The promotional balance transfer rate is available when you apply and are approved for a new Amplify Rewards Platinum credit card between 7th November 2023 and 31st July 2024, 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 promotional 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. Activating your card triggers the processing of the balance transfer. A balance transfer fee of 1% of the transferred balance(s) will apply to balance(s) transferred to an Amplify Rewards Platinum 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. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. St.George 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.

**Amplify Rewards Platinum Discounted First Year Fee: The discounted first year card fee promotion is available when you apply and are approved for a new Amplify Rewards Platinum credit card between 7th November 2023 and 31st July 2024. The first year card fee at the special promotional rate will be debited to your card account on your Card Fee date and the full card fee will be debited annually thereafter.

>Amplify Qantas Signature Bonus Qantas Points Offer: The respective bonus Qantas Points promotion is available when you apply and are approved for a new Amplify Qantas Signature credit card between 7th November 2023 and 31st July 2024, and spend the minimum amount of $6k on eligible purchases on an Amplify Qantas Signature credit card within 90 days from card approval in one or more transactions. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, 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, or Credit Card Product Switches, upgrades or Westpac group staff are not eligible for this offer. The bonus Qantas Points will be credited to your Points balance within 12 weeks after the eligible spend criteria is met.

~Amplify Qantas Platinum Bonus Qantas Points Offer: To be eligible for up to 70,000 bonus Qantas Points, you must apply and be approved for a new Amplify Qantas Platinum card between 28th February 2024 and 31st July 2024. You will receive an initial 60,000 bonus points if you spend $3k or more on eligible purchases within 90 days from card approval in one or more transactions. You will receive an additional 10,000 bonus points if you keep your account open for more than 12 months and continue to use the card. These additional points will be credited to your points balance within 12 weeks after the first eligible purchase is made in the second year of your card account being active. If you do not meet the minimum spend criteria within 90 days of card approval, you forfeit the initial 60,000 bonus points only. However, you are still eligible for the additional 10,000 bonus points in the second year if you continue to use your card. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, 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, or Credit Card Product Switches, upgrades or Westpac group staff are not eligible for this offer. The bonus Qantas Points will be credited to your Points balance within 12 weeks after the eligible spend criteria is met.

#Balance Transfer Promotion: The promotional balance transfer rate is available when you apply and are approved for a new Amplify Signature credit card between 7th November 2023 and 31st July 2024, 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 promotional 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. Activating your card triggers the processing of the balance transfer. A balance transfer fee of 1% of the transferred balance(s) will apply to balance(s) transferred to an Amplify Signature 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. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. St.George, 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.

<<<Amplify Qantas Platinum Balance Transfer Promotion: The promotional balance transfer rate is available when you apply and are approved for a new Amplify Qantas Platinum credit card between 28th February 2024 and 31st July 2024, 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 promotional 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. Activating your card triggers the processing of the balance transfer. A balance transfer fee of 1% of the transferred balance(s) will apply to balance(s) transferred to an Amplify Qantas Platinum 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. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. St.George, 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.

***Amplify Qantas Platinum Discounted First Year Fee: The discounted first year card fee promotion is available when you apply and are approved for a new Amplify Qantas Platinum credit card between 28th February 2024 and 31st July 2024. The first year card fee at the special promotional rate will be debited to your card account on your Card Fee date and the full card fee will be debited annually thereafter.

Amplify Qantas: In order to earn and redeem points, you must be a member of Qantas Frequent Flyer program. An annual $75 Amplify Qantas Rewards Program fee applies for customers who choose Amplify Qantas.

^Amplify Signature Bonus Amplify Points Offer: The bonus Amplify Points promotion is available when you apply and are approved for a new Amplify Rewards Signature credit card between 7th November 2023 and 31st July 2024 and spend the minimum amount of $12k on eligible purchases within the first 12 months from card approval in one or more transactions. Eligible purchases do not include interest, fees and charges, cash, or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from 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, or Credit Card Product Switches, upgrades or Westpac group staff are not eligible for this offer. The bonus Amplify Points will be added to your points balance within 12 weeks of the eligible spend criteria being met.

+Amplify Rewards Signature Discounted First Year Fee: The discounted first year card fee promotion is available when you apply and are approved for a new Amplify Rewards Signature credit card between 7th November 2023 and 31st July 2024. The first year card fee at the special promotional rate will be debited to your card account on your Card Fee date and the full card fee will be debited annually thereafter.

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 55 Days Interest Free: Receive up to 55 days interest free on your purchases if your Monthly Payment Balance is paid in full by the due date shown each month. This amount is calculated as the main account balance minus the balance transfer amount plus any Plan&Pay instalments for this month. If you do not have any Plan&Pay instalments or a balance transfer, the Monthly Payment Balance will be the same as the Closing Balance.

2 Complimentary Insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), 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 persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible St.George cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the Complimentary Insurance Policy Information booklet (PDF 1MB) which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.

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. Reward Points: 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 Terms and Conditions (PDF 1MB). Purchases that are not eligible to earn points include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited to the card account. 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. For Amplify Qantas Platinum cards, earn 0.5 Qantas Points per $1 up to a maximum of $100,000 spent on eligible purchases annually. For Amplify Qantas Signature cards, earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. This annual limit resets in January each year, based on your statement date. Bonus Points earned are not part of your annual cap.

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.

Read the Apple Pay Terms and Conditions (PDF 46KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card, and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Read the Google Pay Terms and Conditions before making a decision and consider if it is right for you. Available for eligible cards. To use Google Pay you will need to use a compatible device with a supported operating system. See our Google Pay FAQs for more information.

Read the Samsung Pay Terms and Conditions before making a decision and consider if it is right for you. To use Samsung Pay you will need to use a compatible device with a supported operating system. See our Samsung Pay FAQs for more information.

Internet connection may be needed to make purchases using Google Pay, Samsung Pay and normal mobile data charges apply.

Android, Google Pay and Google Play are trademarks of Google Inc.

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.