Credit Card repayment calculator

Use our credit card repayment calculator to work out how soon you could pay off your card balance and how much interest you'll likely pay.

What is your credit card balance?

What is your credit card balance? $

On which card?

With an interest rate of

With an interest rate of % p.a.

What is your preferred monthly repayment amount? We’ve set this to your minimum repayment amount*

What is your preferred monthly repayment amount? $

Calculate Calculate

Important information

Calculations provided are an estimate only. They do not include fees, charges or any promotional offers that may be applicable and assume that your monthly repayment amount is never overdue. Any additional transactions you make, including purchases or balance transfers, or interest rate changes that occur during the repayment period are not taken into consideration in the estimate provided.

*If your statement shows a closing balance, the minimum repayment will be 2% of the closing balance (rounded up to the nearest dollar) or $10, whichever is greater, plus the greater of any unpaid past due amounts from previous statements or any amount that exceeds your approved credit limit.

^This estimate does not include fees and charges that may apply to your credit card.

1. The promotional balance transfer rate is available when you apply for a new St.George Vertigo, Vertigo Platinum or No Annual Fee credit card between 3rd May 2017 and 20th September 2017 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 95% 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. The applicable variable purchase rate will apply to balance(s) transferred but left unpaid 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). Interest free days do not apply to credit cards with balance transfers.

2. 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, Bank of Melbourne and BankSA 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.

3. Visa Platinum/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.