Bank Battle – Is Citibank Or St George The Best Credit Card Deal Provider?
Both Citibank and St George provide strong competition against the Big Banks in Australia, with a number of credit card deals consistently on the market.
When comparing different credit card providers it is important to look at a number of factors including the number of cards on offer, the ongoing card features and the kinds of deals available to find a provider that covers everything you want in a card.
Just as every credit card is different so is every provider, so to help you figure out whether you are better off with Citibank or St George, here is a look at what both have to offer.
Citibank Credit Cards
With a reputation for customer service, global focus and premium credit card rewards, Citibank has developed a number of credit cards suited to different lifestyles
The Citibank Clear Platinum, for example, offers an ongoing low interest rate of 11.99% p.a. for purchases, as well as platinum card benefits like complimentary insurance.
For people interested in frequent flyer rewards, Citibank is also one of the only banks with a direct partnership to an international airline in the form of the Citibank Emirates Platinum card, while there are also several more customisable rewards cards to consider.
These cards come with highly competitive introductory deals including:
- Balance transfers
- Lower introductory purchase rates; and
- Signup bonuses
When it comes to deals on rewards cards, Citibank is definitely one credit card issuer at the front of the pack.
St George Credit Cards
As one of the biggest banking institutions in Australia – often included as an addition to the four other Big Banks – St George maintains it’s focus on quality with a select range of affordable credit cards.
The St George Platinum card, for example, has a purchase rate of 15.99% p.a. and a low annual fee of $89 as well as access to Visa’s Platinum Concierge service and complimentary insurances.
In terms of rewards, the St George Amplify offers a competitive one point per $1 spent on the card. While most rewards cards have an annual fee over $100, this one is just $79 per year and the purchase rate of 18.74% p.a. is also below average for a rewards option.
St George also tends to offer a number of low interest, low fee and balance transfer offers that may appeal to the frugal-minded credit card user, so for people who do not want high upfront card costs, this is an issuer definitely worth considering.
Signup deals will always be a factor for people choosing credit cards but by looking at a range of card providers and features you can make sure you get the best card from any provider.