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Key facts about these credit cards

Correct as at: 7th July 2020
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 $500 $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 13.99%~ 12.99%~ 19.74% 19.74%~ 19.74% 20.74%
Interest free period1 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% 21.49% 21.49% 21.49% 21.49%
Promotional purchase rate 0% p.a. on purchases for 7 months~ 0% p.a. on purchases for 15 months~   0% p.a. on purchases for 7 months  when you select Amplify Rewards~    
Balance transfer interest rates 0% p.a. for 22 months on balance transfers requested at card application (1.5% balance transfer fee applies). Variable cash advance rate applies after the promotional period.# 6.99% p.a. for 12 months on balance transfers requested at new card application. Rate then switches to variable cash advance rate. 6.99% p.a. for 12 months on balance transfers requested at new card application. Rate then switches to variable cash advance rate. 0% p.a. for 22 months on balance transfers requested at card application when you select Amplify Rewards (1.5% balance transfer fee applies).
0% p.a. for 6 months on balance transfers requested at new card application when you select Qantas Rewards.
Variable cash advance rate applies after the promotional period.#
0% p.a. for 6 months on balance transfers requested at new card application. Rate then switches to variable cash advance rate.#

0% p.a. for 12 months on balance transfers requested at card application (1% balance transfer fee applies). Variable cash advance rate applies after the promotional period.#
Annual card fee $0 for the first year (usually $55)+ $49 for the first year (usually $99)** $79 $0 for the first year when you select Amplify Rewards (usually $99)+

$99 when you select Qantas Rewards
$139 for the first year when you select Amplify Rewards (usually $279)**

$279 when you select Qantas Rewards
$0
Late payment fee $15 $15 $15 $15 $15 $15

Things you should know

Conditions, fees and credit criteria apply.

This card is issued as a Visa card.

Switches, upgrades, or Westpac Group staff are ineligible. The promotions may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

**Discounted First Year Fee: The discounted first year annual card fee promotion is available when you apply for a new Vertigo Platinum or Amplify Signature Amplify Rewards credit card between 7th July 2020 and 30th September 2020. The first annual card fee at the reduced rate will be debited to your card account on your first transaction and the full annual card fee, will be debited annually thereafter.

+First Year Annual Card Fee Waiver: The first-year annual card fee waiver promotion is available when you apply for a new Vertigo or Amplify Platinum Amplify Rewards credit card between 7th July 2020 and 30th September 2020. The first annual card fee will be debited to your card account on the 12-month anniversary of the first transaction on your account and annually thereafter.

#Balance Transfer Promotion: The promotional balance transfer rate is available when you apply and are approved for a new Vertigo, No Annual Fee, Amplify Signature or Amplify Platinum credit card between 7th July 2020 and 30th September 2020, and request at card application to transfer balance(s) from up to 3 non-Bank of Melbourne, St.George and BankSA Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 80% of your available credit) 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% will apply to balance(s) transferred to a new No Annual Card Fee credit card. A balance transfer fee of 1.5% will apply to balance(s) transferred to a new Vertigo or Amplify Platinum Amplify Rewards credit card. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. No balance transfer fees apply to Amplify Signature or Amplify Platinum Amplify Qantas credit cards. At the end of the promotional period, the applicable variable cash advance rate will apply to any remaining unpaid transferred balance(s). 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). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the 'Monthly Payment Balance' listed on your statement of account (not the full closing balance) by the relevant payment due date.

~Purchase Rate Promotion: Available when you apply and are approved for a new Vertigo Platinum, Vertigo or Amplify Platinum Amplify Rewards credit card between 7th July 2020 and 30th September 2020. The special promotional purchase rate applies from card approval, after the promotional period, the rate will switch to the variable purchase rate then applicable to your card account.

1. Receive up to 55 days interest free on your purchases if your account is paid in full by the due date shown each month (excluding any balance transfers), this is called the Monthly Payment Balance on your statement.

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.