In this blog post, we’ll be exploring the benefits of credit cards by St George Bank and why they may be the right choice for you. We’ll delve into St George Bank’s history and reputation, as well as its commitment to customer service.
We’ll also review their credit card options, including interest rates and fees, rewards programs, and complimentary travel insurance. Finally, we’ll answer some frequently asked questions to provide a complete picture of what St George Bank can offer as a credit card provider.
St.George Bank
St.George Bank has a rich history, dating back to 1937 when it was established as a housing-based financial institution. In 1992, it gained a full banking license and has since become one of Australia’s most trusted building societies. In May 2008, the bank signed a Merger Implementation Agreement with Westpac, expanding its offerings to include wealth management, retail, institutional, and business solutions in all states and territories of Australia.
St. George is dedicated to providing excellent customer service and offers various channels for customers to reach their support team, including phone, email, branch, mobile app, online banking, and mobile banking staff. With its solid reputation and wide range of products, St.George Bank is a trusted choice for banking in Australia.
St. George credit cards review
St. George Bank’s credit card offerings cater to a wide range of needs and preferences, with varying interest rates and fees across each product. Whether you’re after a simple no-frills option or a high-end card with perks, St. George has something to suit you.
While some smaller or online lenders may offer lower interest rates, St. George’s extensive customer service and branch access may be more convenient for some customers. Additionally, the bank’s rewards program is a major drawcard, allowing customers to earn points towards merchandise, gift cards, and even Qantas rewards.
Certain credit cards also come with complimentary travel insurance, making them a valuable resource for budget-conscious travelers. Overall, St. George Bank’s credit card offerings provide a good balance of affordability, convenience, and rewards.
St.George Vertigo Credit Card
- For 32 months, balance transfers are tax-free.
- There is a 1% one-time balance transfer fee.
- 13.99% p.a. is a low continuous purchasing rate.
- Purchases are interest-free for up to 55 days, plus you get a free extra cardholder.
St.George No Annual Fee Credit Card
- No annual charge, 0% on purchases.
- For the first 12 months, interest on purchases is charged at 0% p.a.
- Pay no yearly charge.
- Add up to three more cardholders without paying extra.
St.George Vertigo Credit Card – Cashback Offer
- Cashback of up to $400.
- If you successfully apply and use your new card to pay for your purchases at chosen supermarkets, you will receive 10% cashback (up to $400 total cashback).
- Applying T&Cs.
- 55 days or more without interest.
- Extra cardholders are not charged.
St.George Vertigo Rainbow Credit Card
- Balance transfer fees are waived for 32 months.
- No BT charge.
- Purchases are interest-free for up to 55 days.
- Rainbow Design alone.
St.George BusinessVantage Credit Card
- Low-interest business credit card with access to up to 99 other cards that allow for the assignment of various credit limits.
St George Reward Cards
St.George Amplify Signature Credit Card
- Bonus Amplify points of 150 000.
- When you spend $12k on eligible goods in the first year, you can receive up to $675 in eGift cards.
- Take advantage of a reduced first-year annual fee and balance transfers that are interest-free for 24 months.
- The BT cost is 1%.
- Two passes to an airport lounge.
- Free membership to Visa Luxury Hotels.
St.George Amplify Platinum Credit Card
- Bonus Amplify Points of 90,000.
- Up to $400 in eGift cards; minimum purchase required.
- Also, there is a first-year discounted annual fee and a 24-month period of 0% p.a. on balance transfers (1% BT fee).
- A variety of free insurances.
St.George Amplify Platinum Credit Card – Qantas
- Bonus Qantas points of 60,000.
- Applying minimum spend.
- (1% BT fee applies) 0% p.a. for 24 months on balance transfers.
- Free international travel insurance for stays of up to three months.
St.George Amplify Signature Credit Card – Qantas
- Bonus Qantas points of 80,000.
- Applying minimum spend.
- Get 0% p.a. on balance transfers for 24 months (1% one-time BT fee).
- Get a 10% birthday bonus on your most recent year’s worth of points.
- Travel protection for trips abroad of up to six months.
St.George Amplify Business Rewards Credit Card
- With Amplify Rewards or Amplify Qantas, earn unlimited points.
- Purchases are interest-free for up to 55 days.
- The second year’s annual price is $89 per year.
International Travel Insurance
Traveling abroad can be an exciting experience, but it’s important to stay protected while away from home. St.George Credit Card International Travel Insurance provides complimentary coverage for eligible cardholders and their family members for medical emergencies, luggage, cancellations, rental vehicle excess, and more.
Administered by Allianz Global Assistance, this travel insurance offers access to 24/7 medical assistance and covers up to $2.5 million for personal liability. Before embarking on your journey, it’s essential to check your eligibility and understand what’s covered to ensure you have peace of mind during your travels.
With St.George Credit Card International Travel Insurance, you can enjoy your travels abroad with the confidence of being covered for unexpected events that may arise.
Conclusion
In conclusion, St George Bank offers a range of credit cards to suit different needs and preferences, along with excellent customer service and branch access for added convenience.
Their credit cards also come with the added benefit of a rewards card program and complimentary international travel insurance, making them a compelling choice for those looking for affordability, convenience, and added benefits.
With St.George Bank’s dedication to customer satisfaction and its comprehensive range of products and services, they remain a trusted choice for banking in Australia.
FAQ
Q1. What are the eligibility requirements for applying for a St.George Bank credit card?
To apply for a St.George Bank credit card, you must:
- Be at least 18 years old.
- Be an Australian/New Zealand citizen or permanent resident OR hold an acceptable Visa with a minimum of one year before its expiry.
- Have a fixed, verifiable Australian residential address.
- Have a good credit history.
- Agree to a credit check.
It’s recommended that you check your credit score before applying. Keep in mind that eligibility criteria may vary depending on the type of credit card you are interested in. For more information, please visit the St.George Bank website.
Q2. How is interest calculated on St.George Bank credit cards?
St.George Bank takes interest charges seriously and calculates them on a daily basis for its credit cards. They divide the credit card balance into different categories, such as purchases, cash advances, and balance transfers, to determine the outstanding balance at the end of each day. Then, each category’s balance is multiplied by its Annual Percentage Rate and divided by 365 to obtain the daily interest charge.
At the end of your statement period, St.George Bank adds up all the daily interest charges from each category to calculate the total interest due. This process ensures that the interest charges are fair and accurately reflect your credit card usage.