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Balance transfers

Balance transfer refers to a transfer of an outstanding balance from another credit, charge or Australian store card to your St.George credit card.

Balance transfers do not refer to transfers of money between St.George credit cards, or between St.George credit cards and any other St.George account.

  1. Start an online application for the credit card of your choice
  2. Select YES within the form that you would like to transfer a balance to your new St.George credit card
  3. Supply card details for the balance you would like to transfer
  4. Complete the transfer by activating your new card.


Choose from one of the following options to transfer up to 2 non-St.George credit or store cards to your existing St.George credit card1:



Request a balance transfer online or if you haven't already registered for Internet and Mobile Banking register now.


In branch

Via the APP

Once logged in, select "Services" and then select "Transfer credit card balance" under "My Cards".


Via phone

Call 13 33 30 to arrange a balance transfer over the phone.

Important information

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.

1. St.George credit card customers can request up to two balance transfers from another store, charge or credit card (excluding St.George, BankSA and Bank of Melbourne credit cards) to their St.George credit card account. For existing St.George credit cards, refer to Internet Banking for the Balance Transfer rate and promotion period. You can transfer min. $200 up to 80% of your approved available credit limit. The variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. If a Balance Transfer fee applies it will be charged to the card account on the same day the balance transfer(s) are debited.