St.George Credit Cards

St.George has a wide range of credit cards, meant to suit the needs of every consumer. Whether you are interested in a low interest rate offer on balance transfers or purchases, or would like to earn points with a rewards program as you spend, St.George has you covered. Before you apply, compare every card offered by St.George, even those that you are not that interested in, and see how they stack up against similar offers from competing banks. With so many options, you never know what you are going to find. You may be surprised to learn that some St.George credit cards have more to offer than you initially realised.

Help with Choosing a St.George Credit Card

The only way to make an informed decision is to compare the finer details of all St.George’s credit cards in order to learn more about the features and benefits offered by each individual card. From the interest rate and earn rate to the annual fee and much more, there are various details that will allow you to make a more confident decision.

• Which features do you need most? – You may not be able to get everything you want, but you should definitely search for a card that is full of top level features that will improve your personal finances.
• MasterCard or Visa? – St.George offers both, so you have to decide which one you are more interested in. Both are accepted at locations around the world and you won’t normally be charged a surcharge, unlike with AmEx cards. However, their earn rates for rewards points may not be as good compared with an AmEx cards.
• Do you have a preference? – St.George offers credit cards that have low interest rates, are linked with rewards programs, or are of gold or platinum standard.

Pros

• Many limited time offers – Throughout the year, St.George is well known for offering limited time offers that give the consumer more incentive for signing up. This can be anything from a low interest rate on purchases or balance transfers to a waived or reduced annual fee.
• No annual fee options – Unlike many banks, St.George offers cards that have no annual fee. Consumers looking for a basic credit card should strongly consider this opportunity to save.
• Increased security – Although every bank attempts to offer a high level of security, St.George makes sure that this is always top priority. Protecting customers against fraud is something that they take very seriously. Through their 24/7 Falcon Fraud detection system, any unusual activity can be detected without delay.

Cons

• Fewer options than other banks – There is no denying that St.George’s range of credit cards cover a variety of options aimed at various groups from travellers to budget conscious money-savers. However, they do not have nearly as many offers as other financial institutions.
• Low credit limit – The amount of credit on offer is based largely on your credit history and score, as well as your annual income. Some credit cards by St.George have a limit as low as $500 for new customers, but as usual, this can be increased over time.
• Lack of business options – Are you interested in a credit card to help mange your business expenses? If so, St.George can help you get started. Unfortunately, they don’t offer a large selection of dedicated business credit cards, which is fairly common in Australia.