IMPORTANT NOTICE ABOUT OUR PERSONAL CREDIT CARDS
Changes to Cash Advance Fee and Missed Payment Fee
We’re increasing the Cash Advance Fee and Missed Payment Fee on St.George personal credit cards.
| Effective from | Fee name | Current fee | New fee |
|---|---|---|---|
| 30 April 2026 | Cash Advance Fee | 3% | 3.5% |
| 30 April 2026 | Missed Payment Fee | $15 | $20 |
These changes do not apply to credit cards that are not subject to any of these fees, or for some active arrangements (such as some hardship arrangements).
Changes to Vertigo credit card fee
From 29 June 2026, we’re changing how the card fee on the Vertigo credit card is charged. Instead of an annual card fee of $55, we’re moving to a monthly card fee of $7.
If you apply before 29 June 2026, the annual fee of $55 will continue to apply in your first year, however, it will revert to the monthly fee on your next card fee anniversary (which is 12 months after the annual fee is first charged to your card).
The total fee over the year will be $84.
Frequently Asked Questions
Cash advance fees are charged when you withdraw cash at an ATM using your credit card. You’ll also be charged these fees when you make cash equivalent transactions, such as gambling, buying lottery tickets or purchasing foreign currency. As well as a cash advance fee, the interest rate on cash advances is almost always higher than the regular purchase interest rate, and there are no interest free days when it comes to withdrawing cash on your credit card. To minimise cash advance fees, try to avoid using your credit card to withdraw cash by using alternative sources. This may mean having an easily accessible emergency savings fund available.