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Platinum Visa Card

A platinum credit card with a low annual fee, a range of complimentary insurance covers1 and personal concierge service.

Platinum Credit Card
  • Variable purchase rate - p.a.
  • Balance transfer rate of p.a. for 6 months, requested at card application2
  • A great value Platinum credit card with premium extras
  • A range of complimentary insurance covers – including overseas travel insurance and extended warranty on purchases1.


Competitive variable interest rates

  •  p.a. on purchases with up to 55 days interest free3
  •  p.a. on cash advances


Interest free days on purchases

  • Up to 55 days interest free on purchases when you pay the closing balance of your statement in full by the due date.

Promotional balance transfer rate

  • p.a. for 6 months, requested at card application2


Greater peace of mind for you and your family

  • Complimentary insurance covers1:
    • Overseas travel insurance for trips up to 6 months for you and your family if before you leave you prepay travel costs using your Platinum Visa card in accordance with the Gold and Platinum Credit Card Insurance Conditions of Use. The cover includes medical expenses, unexpected trip cancellation and rental vehicle excess
    • Domestic flight inconvenience insurance for you and your family on an interstate Australian holiday of up to 14 days for delays and includes cover for rental car excess and loss or damage to personal items as stated in the policy
    • Transit accident insurance in the event of accidental death or injury when travelling by plane, bus, train or ferry outside Australia.

A shopping companion

  • Complimentary insurance covers1:
    • Purchase cover insurance provides 3 month cover against theft, loss or damage on selected new purchases
    • Extended warranty insurance gives you up to 12 additional months on the manufacturer's expressed Australian warranty
    • Price guarantee cover on eligible purchases. Claim the difference back if you find it cheaper within 21 days from purchase as stated in the policy.

Time poor?

Additional cardholders

  • 3 additional cardholders at no extra cost.

24/7 Falcon® Fraud monitoring

  • Detection of suspicious purchase transactions
  • Find out more about fraud protection and what to do when you suspect fraud

Secure shopping

  • Shop online with Verified by Visa knowing your internet purchases and payments are safer and more secure.

Platinum benefits

As a St.George Platinum cardholder, you receive a range of complimentary insurance covers1 that include:

Greater peace of mind overseas Complimentary overseas travel insurance cover1
You, your spouse and your dependent children could be automatically covered for Complimentary Overseas Travel Insurance cover on your journey for trips up to 6 months, if before you leave you prepay travel costs using your Platinum card as set out in the policy.
  • Unlimited medical expenses cover (except limits on emergency dental and bed care allowance)
  • Up to $15,000 per person for loss or damage to personal items as set out in the policy – up to $500 for loss or damaged travel documents
  • Unlimited cover for unexpected cancellation of travel arrangement caused by an event as specified in the policy. Limits apply for travel agent’s cancellation fees and financial insolvency of a licensed service provider.
  • Travel delay cover up to $475 per person for meal and accommodation cost after a 6 hour delay
  • Up to $2,750 rental vehicle excess cover as set out in the policy
  • Up to $2.5 million for personal legal liability cover.
Transit accident cover    Complimentary transit accident insurance cover1
Up to $1,250,000 insurance in the event of accidental death or certain injury while travelling on a plane, train, bus or ferry outside Australia, when prior to taking the trip, you have purchased the tickets using your Platinum Card as set out in the policy.
Cheaper price? Complimentary price guarantee cover1
If you find a cheaper price on most new personal items purchased with your Platinum Card, you can claim back the price difference up to $300 provided the following conditions as set out in the policy are met:
  • Claim is made within 21 days of the purchase
  • Cheaper same item available within 25kms from the point of purchase
  • Price difference is greater than $75.
Protection on new purchases Complimentary purchase cover insurance1
With most new personal items you purchase in Australia and overseas using your Platinum Card you are covered against theft, loss or accidental damage for 6 months as set out in policy.   
Extended warranty Complimentary extended warranty insurance1
Up to 12 months automatic extension on the manufacturer’s expressed Australia warranty for most new personal items purchased using your Platinum Card as set out in the policy.
Personal Concierge
Time poor?
  • Personal Concierge Service
    Enjoy the luxury of a Personal Concierge Service:


Interest rates - variable
  •  p.a. on purchases
  •  p.a. on cash advances.
Promotional balance transfer rate
  • p.a. for 6 months, requested at card application2
Annual fee 
  • $89 annual fee
Foreign Transaction Fee
  • 3% of the Australian dollar value of each foreign transaction (including, without limitation, ATM transactions) by use of a Card issued on your credit card account.
Cash Advance Fee 
  • 2% of each cash advance amount and all transfers (including, without limitation, transfers by Internet Banking or Phone Banking), from your credit card account with a minimum of $2.50.
Late Payment Fee 
  • $9.00 applied for each late or missed payment.
Card Replacement Fees 
  • $15.00 per card within Australia
  • $52.50 per card outside of Australia
  • $45.00 per Emergency/Urgent Replacement Card.
Overlimit Fee 
  • If your card account was opened before 4 June 2012, $9.00 applied once per statement period if a transaction is made for an amount exceeding the available credit at the date the transaction is debited to your credit card account.
Automatic Payment Dishonour Fee 
  • $9.00 applied for each dishonoured payment under the automatic payment plan.
Statement Copy Fee
  • $4.50 for requests via Phone Banking or Internet Banking
  • $7.50 for all other requests.
Other fees and charges

Fees and rates are subject to change

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What you'll need

Important information

Conditions, fees and credit criteria apply.

View the terms and conditions:

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this information, please consider if it's right for you.

1These insurance covers are issued by Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507. These benefits are provided to cardholders as complimentary benefits and are subject to the Terms and Conditions and exclusions contained in the Policy of Insurance. No Westpac Group company has any liability in connection with the insurance policies. Please refer to the Gold and Platinum Credit Card Insurance Conditions of Use for a full explanation of cover and exclusions for purchases from and after 21 October 2012. For purchases up to and including 20 October 2012 see the previous Gold and Platinum Credit Card Insurance Conditions of Use.

2 The promotional balance transfer rate for the specified promotion period is available to you when requested at application for your new St.George Amplify Card, Vertigo MasterCard® or Platinum Visa Card to transfer a balance from Australian issued credit or store cards other than St.George, BankSA and Bank of Melbourne credit cards. The standard variable purchase rate applicable to your selected card applies to balance transfers requested after application and to any amount to which the promotional rate applied that is unpaid at the end of the promotion period. Payments made to your credit card account will be applied as set out in the Credit Card Conditions of Use. You can apply to transfer $200 or more, up to 95% of your new St.George credit card available limit.