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Key facts about these credit cards

Correct as at: 23rd November 2017
St.George bank

This information sheet is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

Description of credit cards
Product name Vertigo card Vertigo Platinum Card Amplify Card Amplify Platinum Card Amplify Signature Card No Annual Fee Card
Minimum credit limit $500 $6,000 $1,000 $6,000 $15,000 $500
Minimum repayments 2% of the closing balance outstanding or $10, whichever is the greater. If the closing balance is less than $10, it must be paid in full. 2% of the closing balance outstanding or $10, whichever is the greater. If the closing balance is less than $10, it must be paid in full. 2% of the closing balance outstanding or $10, whichever is the greater. If the closing balance is less than $10, it must be paid in full. 2% of the closing balance outstanding or $10, whichever is the greater. If the closing balance is less than $10, it must be paid in full. 2% of the closing balance outstanding or $10, whichever is the greater. If the closing balance is less than $10, it must be paid in full. 2% of the closing balance outstanding or $10, whichever is the greater. If the closing balance is less than $10, it must be paid in full.
Interest on purchases 13.24% 12.74% 19.49% 19.49% 19.49% 20.49%
Interest free period Up to 55 days on purchases only. Up to 55 days on purchases only. Up to 55 days on purchases only. Up to 55 days on purchases only. Up to 55 days on purchases only. Up to 55 days on purchases only.
Interest on cash advances 21.49% 21.49% 20.24% 20.24% 20.24% 20.49%
Balance transfer interest rates 0% p.a. for 18 months on balance transfers requested at card application. A (1% balance transfer fee applies). Variable cash advance rate applies after the promotional period.# 0% p.a. for 24 months on balance transfers requested at card application. A (1% balance transfer fee applies). Variable cash advance rate applies after the promotional period. # 3.00% p.a. for 36 months on balance transfers requested at card application. Variable cash advance rate applies after the promotional period.#     0% p.a. for 12 months on balance transfers requested at card application. A (1% balance transfer fee applies#). Variable cash advance rate applies after the promotional period.
Annual card fee $55 ($0 in the first year)* $99 $79 ($0 in the first year)* $99 $279 $0
Late payment fee $15 $15 $15 $15 $15 $15

Things you should know

There may be circumstances in which you have to pay other fees. A full list of current fees applicable to these credit cards can be obtained from www.stgeorge.com.au/creditcardfactsheet

For more information on choosing and using credit cards visit the ASIC consumer website at www.moneysmart.gov.au

The terms on which these credit cards are offered can change over time. You can check if any changes have been made by visiting www.stgeorge.com.au/creditcardfactsheet.

#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.

For more information on choosing and using credit cards visit the ASIC consumer website at www.moneysmart.gov.au

The terms on which these credit cards are offered can change over time. You can check if any changes have been made by visiting www.stgeorge.com.au/creditcardfactsheet.