I have this credit card when I have home loan with St George 7 years ago so I don't need to pay any fees for it. I use it for everyday expenses and I have an additional card for my son as well. I pay off the balance every month so I don't need to pay any interest. The points I get from it I can redeem them with a $50 Westfield Gift card ( normally takes me about 10 months to get one).

I have redeemed points on 2 occasions for valuable products over the past year. First was for overseas flights, which was easy to book and good choices of carriers, much like any other booking platform. The second and latest was for high quality headphones, which arrived in 2 working days, as ordered.

The balance transfer meant I had to go into a branch which was slightly inconvenient, but everything else about it was easy. I don’t use it for anything else like points or rewards, I just pay it off and find it to be simple and hassle free with a fairly low interest rate.

For the first time ever I had reason to seek assistance on my travel insurance provided through St George Bank. I have separately complained to the insurer. I lodged a complaint with St George, and also noted the negative findings on the insurer by the Royal Commission. I got a response back thanking me for my feedback; it was their aim to improve customer service. No St George, you sell your credit card on this insurance, it was not feedback, it was a severe complaint. Fix it, or don't sell it, or change providers.

Constant issues each month with the direct debit payment. We have to ring up St George each month and they still can't work out how to get the direct debit to work. Very frustrating. How hard is it to debit a bank account to pay the credit card, isn't that the most basic thing for a bank to set up?

I applied with my wife back in spring and the whole process was a nightmare, we sent documents as requested and we were bombarded with sms messages asking us to resend the documents as they hadn't received them. This went on for weeks and weeks as we sent attachments from multiple email accounts and devices in various formats but their systems clearly had a glitch, for which they eventually apologised.

We were persuaded to try again recently as we were assured the technical issues had been fixed and yet the same problems are occurring again!

I've never experienced anything like this before, totally incompetent and an appalling customer experience, don't waste your time.

Process for application cumbersome. You deal with the Philipines. You ring the Phillipines they say yes we received notice of assessment and bank statements. Then they send an email saying docs not received. Utterly hopeless. Amex business card has an efficient streamlined process. Stay away from St George and its Phillipines service staff that you cannot get a sensible response from and is our data safe in the Phillipines. After a drawn out process I receive an SMS saying I cancelled application which I did not. A very disturbing bank one can only imagine what else is going on. Is the Royal Commission looking at St George? Maybe they should.

I have one for business which is on my personal name and I typically are putting between $3000 and $5000 on every month minimum. Rewards on this cards are 30% more expensive than an Amex card.

Flight rewards are not as flexible as Amex and finding a decent hotel on the rewards site is a joke, and when you find it's a ridiculous price. Normally 100 points is worth $1 but on this cards it's 130 to 150 to $1.
Cheap annual free that's all
Rewards not as good as ANZ and Amex

Have had this card for almost 2 years, nothing special with card aside from a reward program (which is no different from many other card providers). I've contacted customer service a number of times, and on all occasions, it is easy to get through to a real human who understands English, able to answer questions. My real gripe is the bank's refusal to waive a $79 annual fee on the ground that the bank is providing a 'service'. Given that other banks are offering card for no fees (at least for the 1st year in many cases), and are prepared to waive the fees in certain cases, this certainly set this card apart for the wrong reason in my view.
Easy to reach customer service
Expensive - annual fee of $79 for what?