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Frequently asked questions and answers for St. George Bank

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Fact-checked by Olesya Krasavtseva

Content Editor at Prostobank Consulting

Updated: 01.09.2026

Table of Contents

Official Bank Information

St. George Bank

Support: 13 33 30

SWIFT Code: SGBLAU2S

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Bank's Services and Products

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Personal Banking

Personal credit cards

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Minimum credit limit requirement: $15,000.Purchase interest rate: 20.99% p.a. variable.Cash advance interest rate: 21.99% p.a. variable.Interestfree period: Up to 55 days on purchases when paying the closing balance on time.Signup bonus offer: Up to 150,000 bonus Qantas Points (90,000 points in year 1 with $6,000+ spend within 90 days of approval; an extra 60,000 points in year 2 with $6,000+ spend within 90 days of card anniversary).Welcome offer exclusions: Not available to customers who have held a St.George, Bank of Melbourne, or BankSA rewards card in the last 24 months.Points earning rates: 1.2 Qantas Points per $1 on international spend, 0.8 Qantas Points per $1 on everyday spend (supermarkets, department stores, petrol stations, dining, utilities), and 0.5 Qantas Points per $1 on all other eligible purchases.Tiered point capping: Earning rate drops to 0.25 Qantas Points per $1 on further eligible purchases once a threshold of $10,000 is spent within a single statement cycle.Included travel perks: Complimentary travel insurances and two Qantas lounge passes each year.

Personal debit cards

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Everyday accounts Everyday Account + Visa Debit Card For High Schoolers • Concession Account • Complete Freedom Account + Visa Debit Card •

Personal savings accounts

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Incentive Saver • Maxi Saver •

Personal transaction accounts

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Complete Freedom Account • Everyday Account For High Schoolers • Everyday Account for Young Adults & Students • Concession Account • Retirement Access Plus Account •

Loans & Mortgages

Personal Car loans

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Fixed interest rate • Monthly loan account fee: $12

Personal Home Loans

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Fixed rate home loan • Basic variable home loan • Variable home loan with offset • Refinancing your home loan

Personal loans

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Debt Consolidation • Travel Loan • Personal loan for boats

Business Solutions

Business accounts

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No accountkeeping fee • Free transactions • Interest paid monthly

Business car loans

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Flexible repayment terms • Structured repayments to suit your cash flow • Your business owns the vehicle

Business credit cards

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Low purchase interest rate of 9.99% p.a. variable (applicable to new cards only).Cash advance interest rate of 17.15% p.a. variable.Interestfree period: Up to 55 days on purchases when paying the closing balance by the statement due date.Complimentary insurance: Unauthorised Transaction Insurance included.Card availability: Supports up to 99 additional cardholders with individual card limits.Eligible business structures include sole traders, companies, incorporated associations, partnerships, and trusts.Expense management via detailed statements with optional consolidated summaries by department/division.

Business loans

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Vehicle and Equipment Finance • Small Business Loans • Unsecured Commercial Overdraft • Commercial Overdraft • Bank Bill Business Loan • Business loan for startups

Business savings

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The reassurance of a guaranteed return on your investment • Choose a term length that matches your business cycle • Interest can be paid at maturity, annually, half yearly or monthly

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