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Low rate credit cards

Enjoy a low interest rate on purchases and a low annual fee
Vertigo Card

Special offer

  • % p.a. for 18 months on balance transfers, requested at card application2
  • % p.a. for up to 12 months on purchases from card approval*.

Variable purchase rate applies after the promotional periods. Offers end 4 January 2017.

Essentials

  • The card for great value
  • Low variable purchase rate – just % p.a. (% p.a. variable on cash advances)
  • $55 annual fee.

Existing St.George customers can also enjoy a $0 annual fee for the first year^ when you apply via this page by clicking on the St.George customers 'Apply now’ button and make your first purchase within 12 months from card approval. New cards only. Offer ends 4 January 2017.

St.George customers

New customers


Vertigo Platinum Card
Special offers
  • % p.a. for 18 months on balance transfers, requested at card application2
  • % p.a. for up to 12 months on purchases from card approval*.

Variable purchase rate applies after the promotional periods. Offers end 4 January 2017.

Essentials

  • Our lowest interest rate on purchases, with premium extras
  • Variable purchase rate - % p.a.
  • A range of complimentary insurance covers – including overseas travel insurance and extended warranty on purchases3
  • Visa Platinum Concierge Service4
  • $99 annual fee.

Existing St.George customers can also enjoy a $0 annual fee for the first year^ when you apply via this page by clicking on the St.George customers 'Apply now’ button and make your first purchase within 12 months from card approval. New cards only. Offer ends 4 January 2017.

St.George customers

New customers


Need some help?


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

Offers are not available in conjunction with any special offers that are not listed on www.stgeorge.com.au. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

^$0 annual fee in first year for existing St.George customers promotion: To be eligible for this promotion you must be an existing St.George customer that applies for a new Vertigo, Vertigo Platinum, Amplify, Amplify Platinum or Amplify Signature card by clicking on the St.George customers 'Apply now’ button on this page between 30 September 2016 and 4 January 2017 and make your first purchase within 12 months from card approval. Switches, upgrades, customers accessing employee benefits or packages cards are ineligible. Promotion is not available in conjunction with any other promotion, other than the current balance transfer, bonus points or purchase rate offer, available at card application. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.

*The introductory rate of %p.a. on purchases is available when you apply for a new St.George credit card between 30 September 2016 and 4 January 2017. The introductory rate will be applied from card approval and expires 12 months after the date of card approval. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard variable purchase rate then applicable to your card account.

2. The promotional balance transfer rates are available when you apply for a new St.George credit card between 30 September 2016 and 4 January 2017 and request at application to transfer balance(s) from non-St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards. The variable purchase interest rate applies to balance transfers requested at any other time. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. The balance transfer rate is not available in conjunction with any other promotion unless specified. Promotional rate will apply to any balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. The variable purchase rate will apply to balance(s) transferred but left unpaid after the end of the promotional period. Card activation will trigger the processing of the balance transfer. 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). Interest free days don’t apply to balance transfers.

3. QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible St.George account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in the Credit Card Complimentary Insurance Terms and Conditions, which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 13 33 30 or download the Credit Card Complimentary Insurance Terms and Conditions.

4. Visa Platinum/ Visa Signature Concierge (“Concierge”) is serviced by a third party supplier. By accessing or using the Concierge, or attempting to do so, you are deemed to have understood and agreed to the terms of usage.