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 Our credit cards Vertigo Card Vertigo Platinum Card Amplify Card Amplify Platinum Card Amplify Signature Card No Annual Fee Card
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Interest rates p.a. p.a. p.a. p.a. p.a. p.a.
Standard purchase rate (variable) 13.24%
12.74%


19.49%

19.49% 19.49% 20.49%
Cash advance rate (variable) 21.49% 21.49% 20.24%
20.24%

20.24%
20.49%

Promotional balance transfer rate (rate switches to cash advance rate) 0% p.a. for 18 on balance transfers requested at card application. A 1% balance transfer fee applies. The variable cash advance rate applies after the promotional period.# 0% p.a. for 24 on balance transfers requested at card application. A 1% balance transfer fee applies. The variable cash advance rate applies after the promotional period.# 3% p.a. for 36 on balance transfers requested at card application. The variable cash advance rate applies after the promotional period.#     0% p.a. for 12 on balance transfers requested at card application. A 1% balance transfer fee applies. The variable cash advance rate applies after the promotional period.#
Promotional purchase rate            
Features            
Current annual card fee $0 in the first year ($55 in subsequent years)^ $99 $0 in the first year ($79 in subsequent years)^ $99 $279 $0
Minimum credit limit $500 $6,000 $500 $6,000 $15,000 $500
Up to 55 interest free days on purchases1            
Complimentary insurance covers2            
Personal concierge service            
Complimentary airport lounge passes            
Access p.a. p.a. p.a. p.a. p.a. p.a.
Additional cards3 1 3 1 1 1 3
Worldwide ATM & point of sale acceptance where Visa or Mastercard is accepted            
Optional linking to a St.George bank account            
Internet and phone banking            
Emergency card replacement            
Rewards            
Link to Amplify Rewards4 or Amplify Qantas5            
Uncapped points earn            
Birthday bonus points            
Special offer bonus points       Earn 60,000 bonus Qantas or Amplify points when you spend $3,000 on a new card within 90 days of card approval. Terms, conditions and exclusions apply.* Earn 90,000 bonus Qantas or Amplify points when you spend $5,000 on a new card within 90 days of card approval. Terms, conditions and exclusions apply.*  
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Before you apply, you should compare our credit cards or business credit cards, including their interest rates and fees, so that you choose the product that is right for you. You can also call St.George on 1300 784 934 or visit a branch to discuss these products.

Important information

Conditions and fees apply. Credit criteria apply to all credit products

Before making a decision, it's best to read the terms and conditions.

Please read these documents and keep a copy. You can request a paper copy at a branch.

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

Switches, upgrades, or customers accessing employee benefits are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

#Balance transfer promotion: Available when you apply for a new Vertigo, Vertigo Platinum, No Annual Fee or Amplify credit card between 23rd November 2017 and 18th April 2018, and request at card application to transfer balance(s) from up to 3 non-St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. A balance transfer fee of 1% of the transferred balance(s) will be charged to the account on the same day the balance(s) are debited to the account (excluding Amplify balance transfers). The applicable variable cash advance rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. We will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). Interest free days do not apply to credit cards with balance transfers.

^$0 annual card fee promotion: The first year annual card fee waiver is available when you apply for a new Vertigo or Amplify credit card between 23rd November 2017 and 18th April 2018, and make your first purchase within 12 months of card approval. The first annual card fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter.

*Bonus points promotion: The respective bonus points promotions are available when you apply for a new Amplify Platinum or Amplify Signature credit card between 23rd November 2017 and 18th April 2018, and spend the minimum amount of $5,000 on eligible purchases on an Amplify Signature credit card or $3,000 on eligible purchases on an Amplify Platinum credit card within 90 days from card approval. Eligible purchases do not include BPAY or BPAY equivalent transactions, fees, cash, cash equivalent transactions, refunds and balance transfers debited from the card account. Existing customers who currently hold an Amplify Platinum or Amplify Signature card, or who have held one in the last 12 months, are not eligible for this offer. The bonus points will be credited to your points balance within 12 weeks after the eligible spend criteria is met.

1. Up to 55 days interest free on purchases when you pay the full closing balance (including any balance transfer amount) by the statement due date each month.

2. QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible St.George account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in the Credit Card Complimentary Insurance Terms and Conditions, which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 13 33 30 or download the Credit Card Complimentary Insurance Terms and Conditions (for claim events prior to 1 October 2017).

3. Effective 1 October: AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631, of 74 High Street, Toowong, QLD 4066 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708, has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac), of 275 Kent Street, Sydney, NSW 2000 which allows eligible St.George account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions of the group policy are set out in the Credit Card Complimentary Insurance Terms and Conditions which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by downloading the Credit Card Complimentary Insurance Terms and Conditions (effective 1 October 2017).

3. An additional card can be issued on the primary cardholders’ credit card account to any nominated person over the age of 16 years provided the account is not a joint account. All transactions using an additional card will be the responsibility of the primary cardholder.

4. The earning of Amplify Points are earned on eligible purchases through the use of an Amplify card and is subject to the Amplify Rewards Terms and Conditions. Amplify Points are not earned on cash advances, balance transfers and ATM withdrawals. You are not entitled to Amplify Points in other specified circumstances. You need a minimum of 3,000 Amplify points before you can redeem any reward. Specific conditions may apply to the redemption of particular rewards. Refer to amplify.stgeorge.com.au.

5. The earning and redemption of Qantas Points is subject to the Amplify Rewards Terms and Conditions. You must be a member of the Qantas Frequent Flyer program to earn and redeem points in accordance with the terms and conditions of the Qantas Frequent Flyer program.

 

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