Credit card repayments

Each month you must make the minimum monthly repayment by the due date shown on your St.George credit card statement.

The minimum repayment on your credit card is whichever is greater of:

1. 2% of your total balance, or
2. $10, or
3. The amount of outstanding government and interest charges.

If the outstanding closing balance is less than $10, you must pay it in full.
If your balance is zero or if your account is in credit, you do not need to make any repayments.

• If you miss or make a late payment, you will be charged a Missed Payment Fee
• If your credit card account was opened before 4 June 2012, and you exceed your credit card limit, you may be charged an Overlimit Fee. These fees are outlined in the Credit Card Accounts Fees and Charges document.
  

In order to avoid Missed Payment Fees, you may choose to set up an Autopay automatic payment arrangement, or a direct debit from your nominated Australian bank account to your credit card, to ensure you always meet your minimum repayments on time each month.

You can also consider using SMS and Email Alerts to inform you when you are close to your credit limit. SMS Alerts are charged at $0.25 per SMS. Email alerts are free. Both can be set up through Internet Banking.

Yes, you can make additional payments to your St.George card at any time during the month. You don't have to wait until you receive your monthly statement to pay. Making additional repayments will reduce your balance faster, and reduce any interest charges.

Set up an Autopay automatic payment arrangement to your credit card by logging onto Internet or Mobile Banking. Alternatively you can download the Automatic Payment Plan form to set up this service, or call us on 13 33 30.

St.George Assist is a team of specialists who will take the time to understand your situation, and provide you with personal assistance and information to discuss ways to help you control and manage your St.George loans and accounts repayments.

If you are facing financial hardship in relation to your St.George accounts, please contact us on 1800 629 795, Monday to Friday 8am to 5pm (Sydney time).