Skip to main content Skip to accessibility page Skip to search input

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
  • % p.a. for up to 12 months on purchases from card approval*.

Variable purchase rate applies after the promotional periods. Offers end 29 September 2016.

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 12 months from card approval. New cards only. Offer ends 29 September 2016.

    St.George customers

    New customers

    Competitive interest rates
    • % 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 purchase rate applies after 20 months. Calculate how much interest you could save!
    Promotional purchase rate % p.a. for up to 12 months on purchases from card approval*.
    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.
    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.1
    24/7 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 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? 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 20 months on balance transfers, requested at card application2. Variable purchase rate applies after 20 months. Calculate how much interest you could save!
    Promotional purchase rate % p.a. for up to 12 months on purchases from card approval*.
    Annual fee $99, $0 in the first year for existing customers^
    Foreign Transaction Fee

    A 3% Foreign transaction fee is payable as a percentage of the Australian dollar value of any Foreign transaction.

    Foreign transaction is any transaction made using the Card:

    • in a currency other than Australian dollars; or
    • in Australian dollars or any other currency with a merchant located outside Australia; or
    • in Australian dollars or any other currency that is processed by an entity located outside Australia.

    Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia.

    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.
    Over-limit 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 applied for each payment dishonoured made 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 Credit Card Accounts 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.

    Offers are not available in conjunction with any special offers that are not listed on www.stgeorge.com.au. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

    ^$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 or Vertigo Platinum card by clicking on the St.George customers 'Apply now’ button on this page between 24 June 2016 and 29 September 2016 and make your first purchase within 12 months from card approval. 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.

    *The introductory rate of % p.a. on purchases is available when you apply for a new St.George credit card between 24 June 2016 and 29 September 2016. The introductory rate will be applied from card approval and expires 12 months after the date of card approval. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard variable purchase rate then applicable to your card account.

    1. Three additional cards can be issued on the primary cardholder's credit card account to any nominated person 16 or older provided the account is not a joint account. All transactions using an additional card will be the responsibility of the primary cardholder.

    2. The promotional balance transfer rate is available when you apply for a new St.George Vertigo Platinum card between 24 June 2016 and 29 September 2016 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 rate applies to balance transfers requested at any other time. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. The balance transfer rate is not available in conjunction with any other promotion unless specified. 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 purchase rate will apply to balance(s) transferred but left unpaid after 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.