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Vertigo Platinum Card

A platinum credit card with our lowest variable purchase rate, a range of complimentary insurance covers4 and personal concierge service3
Vertigo Platinum Card

Special offers
  • % p.a. for 20 months on balance transfers, requested at card application2. Variable cash advance rate applies after 20 months. Offer ends 23 September 2015.
  • 0% p.a. for 3 months on purchases from card approval1. Offer ends 23 September 2015.

Essentials

  • Our lowest interest rate on purchases, with premium extras
  • Variable purchase rate - % p.a.
  • A range of complimentary insurance covers – including overseas travel insurance and extended warranty on purchases4
  • Visa Platinum Concierge Service3
  • $99 annual fee.
  • Special offer - 0% p.a. for 12 months on purchases from card approval1
  • Special offer - 3.99% p.a. for 6 months on balance transfers, requested at card application2
  • Our lowest variable purchase rate - 12.74% p.a.
  • A range of complimentary insurance covers – including overseas travel insurance and extended warranty on purchases4
  • Visa Platinum Concierge Service3.
  • Special offer - 0% p.a. for 12 months on purchases from card approval1
  • Special offer - 3.99% p.a. for 6 months on balance transfers, requested at card application2
  • Our lowest variable purchase rate - 12.74% p.a.
  • A range of complimentary insurance covers – including overseas travel insurance and extended warranty on purchases4
  • Visa Platinum Concierge Service3.
  • Special offer - 0% p.a. for 12 months on purchases from card approval1
  • Special offer - 3.99% p.a. for 6 months on balance transfers, requested at card application2
  • Our lowest variable purchase rate - 12.74% p.a.
  • A range of complimentary insurance covers – including overseas travel insurance and extended warranty on purchases4
  • Visa Platinum Concierge Service3.
  • Special offer - 0% p.a. for 12 months on purchases from card approval1
  • Special offer - 3.99% p.a. for 6 months on balance transfers, requested at card application2
  • Our lowest variable purchase rate - 12.74% p.a.
  • A range of complimentary insurance covers – including overseas travel insurance and extended warranty on purchases4
  • Visa Platinum Concierge Service3.
  • Special offer - 0% p.a. for 12 months on purchases from card approval1
  • Special offer - 3.99% p.a. for 6 months on balance transfers, requested at card application2
  • Our lowest variable purchase rate - 12.74% p.a.
  • A range of complimentary insurance covers – including overseas travel insurance and extended warranty on purchases4
  • Visa Platinum Concierge Service3.
  • Special offer - 0% p.a. for 12 months on purchases from card approval1
  • Special offer - 3.99% p.a. for 6 months on balance transfers, requested at card application2
  • Our lowest variable purchase rate - 12.74% p.a.
  • A range of complimentary insurance covers – including overseas travel insurance and extended warranty on purchases4
  • Visa Platinum Concierge Service3.
  • Special offer - 0% p.a. for 12 months on purchases from card approval1
  • Special offer - 3.99% p.a. for 6 months on balance transfers, requested at card application2
  • Our lowest variable purchase rate - 12.74% p.a.
  • A range of complimentary insurance covers – including overseas travel insurance and extended warranty on purchases4
  • Visa Platinum Concierge Service3.
  • Special offer - 0% p.a. for 12 months on purchases from card approval1
  • Special offer - 3.99% p.a. for 6 months on balance transfers, requested at card application2
  • Our lowest variable purchase rate - 12.74% p.a.
  • A range of complimentary insurance covers – including overseas travel insurance and extended warranty on purchases4
  • Visa Platinum Concierge Service3.
  • Special offer - 0% p.a. for 12 months on purchases from card approval1
  • Special offer - 3.99% p.a. for 6 months on balance transfers, requested at card application2
  • Our lowest variable purchase rate - 12.74% p.a.
  • A range of complimentary insurance covers – including overseas travel insurance and extended warranty on purchases4
  • Visa Platinum Concierge Service3.
  • Existing St.George customers can also enjoy a $0 annual fee for the first year^ when you apply via this page by clicking on the St.George customers 'Apply now’ button and make your first purchase within 3 months from card approval. New cards only. Offer ends 23 September 2015.

    Overview

    Competitive variable interest rates

    • % p.a. on purchases
    • % 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 20 months on balance transfers, requested at card application2. Variable cash advance rate applies after 20 months. Offer ends 23 September 2015. Calculate how much interest you could save!

    Greater peace of mind for you and your family

    • Complimentary insurance covers4:
      • Overseas travel insurance for trips up to 6 months for you and your spouse and/or dependent children if before you leave each of you meet the eligibility criteria, including pre-paid travel costs using your credit card in accordance with the Credit Card Complimentary Insurance Terms and Conditions. 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 covers4:
      • Purchase cover insurance provides 4 months 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?

    Visa Platinum Concierge3, call 1800 639 607

    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.

    Why Platinum?

    Platinum benefits

    As a St.George Vertigo Platinum cardholder, you receive a range of complimentary insurance covers4 that include:

    Travel

    Greater peace of mind overseas

    Complimentary overseas travel insurance cover4
    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 each of you meet the eligibility criteria, including pre-paid travel costs using your credit card as set out in the policy.

    • Unlimited medical expenses cover (except limits on emergency dental and bed care allowance)
    • Up to $20,000 per person for loss or damage to personal items as set out in the policy – up to $550 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 $500 per person for meal and accommodation cost after a 6 hour delay
    • Up to $5,500 rental vehicle excess cover as set out in the policy
    • Up to $2.5 million for personal legal liability cover.

    Learn more about complimentary overseas travel insurance

    Transit accident cover   

    Complimentary transit accident insurance cover4
    Up to $750,000 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 Vertigo Platinum Card as set out in the policy.

    Purchasing

    Cheaper price?

    Complimentary price guarantee cover4
    If you find a cheaper price on most new personal items purchased with your Vertigo 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 insurance4
    With most new personal items you purchase in Australia and overseas using your Vertigo Platinum Card you are covered against theft, loss or accidental damage for 4 months as set out in policy.

    Extended warranty

    Complimentary extended warranty insurance4
    Up to 12 months automatic extension on the manufacturer’s expressed Australia warranty for most new personal items purchased using your Vertigo Platinum Card as set out in the policy.

    Personal Concierge

    Time poor?

    Rates & Fees

    Interest rates - variable

    • % p.a. on purchases
    • % p.a. on cash advances.

     

    Promotional balance transfer rate

    % p.a. for 20 months on balance transfers, requested at card application2. Variable cash advance rate applies after 20 months. Offer ends 23 September 2015. Calculate how much interest you could save!

    Annual fee

    $99 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 applied for each late or missed payment.

    Card Replacement Fees

    • $15 per card within Australia
    • $52.50 per card outside of Australia
    • $45 per Emergency/Urgent Replacement Card.

    Overlimit Fee

    If your card account was opened before 4 June 2012, $9 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 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


    Need some help?


    Important information

    Conditions, fees and credit criteria apply.

    This card is issued as a Visa card.

    View the terms and conditions:

    Please refer to your Internet BankingMobile Banking or your monthly credit card statement for your current interest rates.

    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.

    ^$0 annual fee in first year for existing St.George customers promotion: To be eligible for this promotion you must be an existing St.George customer that applies for a new Vertigo, Vertigo Platinum, Amplify, Amplify Platinum or Amplify Signature card by clicking on the St.George customers 'Apply now’ button on this page between 11 August 2015 and 23 September 2015 and make your first purchase within 3 months from card approval. Switches, upgrades, customers accessing employee benefits or packages cards are ineligible. Promotion is not available in conjunction with any other promotion other than the current balance transfer available at card application, promotional purchase rate offer or any bonus points offer. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.

    1. The introductory rate of 0% p.a. on purchases for 3 months applies from card approval when you apply for a new St.George Vertigo Platinum credit card between 24 June 2015 and 23 September 2015. After 3 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account. The introductory rate on purchases is not available in conjunction with any promotion other than the special balance transfer promotion available at card application. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

    2. The promotional balance transfer rate is available when you apply for a new St.George Vertigo Platinum card between 24 June 2015 and 23 September 2015 and request at application to transfer balance(s) from non- St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards. The variable purchase interest rate applies to balance transfers requested at any other time. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. Promotional rate not available in conjunction with any promotion other than the special purchase rate promotion. Promotional rate will apply to any balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. The variable cash advance rate, currently 21.49% p.a. will apply to balance(s) transferred but left unpaid after at the end of the promotional period. Card activation will trigger the processing of the balance transfer. St.George 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 don’t apply to balance transfers.

    3. Visa Platinum Concierge (“Concierge”) is serviced by a third party supplier. By accessing or using the Concierge, or attempting to do so, you are deemed to have understood and agreed to the terms of usage.

    4. 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.