Manage an existing credit card FAQs

If you are an existing cardholder, you can learn how to add cardholders, report lost or stolen cards, manage your credit card security, and more.

How do I add another cardholder?

You can add up to 3 additional cardholders depending on the card at no extra cost. Compare all St.George credit cards to find out how many additional cardholders you can request on your card.

The nominated additional cardholder must be at least 16 years old, and must also be an Australian resident.

An additional cards will be issued in the additional cardholder’s name. All transactions will be itemised on the one statement, which will be sent to you as the primary account owner. The primary cardholder is responsible for all transactions made by any additional cardholders.

Apply for an additional cardholder by completing the Additional cardholder application form.
How do I report a lost or stolen card?
How do I set or change a PIN for my card?
If you currently haven’t got a PIN, or you can’t remember one that was issued to you, or want to change your current PIN, you can request a PIN for your credit or debit card:
- Online any time, if you haven’t already done so, simply register for Internet, Mobile and Tablet Banking. You will need to provide a valid phone number for St.George Secure Code service. Once you’re logged in, click on the Change card PIN link in the Manage my accounts menu of internet banking or the Services menu of mobile banking to reset your PIN at any time. You don’t need to know your existing PIN, however, authorisation will be required via the Secure Code service. Or;
- Via a St.George ATM^ or by visiting your local St.George branch with your card and identification. Please note to change your PIN at a St.George ATM you will be required to know your current PIN. Or;
- To be mailed to you by calling us on the numbers below or visiting your local branch. If you choose to have your PIN mailed out to you, this will take 5-7 business day.
For customers overseas, please phone our Customer Service Team on +61 2 9155 7800.
What about credit card fraud?

Protecting the security of your personal and financial data is an utmost priority at St.George. We have numerous systems in place to help protect you and to minimise the risk of different types of fraud.

There are many different forms of credit card fraud. At its simplest, someone obtains your credit card details and uses them over the phone or on the internet to make unauthorised purchases on your card.

Another form of fraud is card skimming. Your card and PIN details may be illegally obtained through a skimming device concealed on an ATM or implanted within an EFTPOS machine. Once these details are captured, fraudsters attempt to withdraw funds from your account.

St.George protects your security and safeguards you against credit card fraud in a number of ways, including our 24/7 fraud detection service, and our Secure Online Shopping service.
How is my card protected against fraud?

At St.George we use a sophisticated network of secure systems across all your accounts, including your credit cards. Together these levels of protection safeguard you against credit card fraud, and you can shop safely either on the spot or online knowing you are protected.

St.George’s fraud detection service operates 24/7, and operates on a number of fronts. One of these is the Fraud management system that provides 24/7 monitoring and detection of suspicious purchase transactions. Our card security experts monitor your credit card transactions in real time and can detect any unusual purchasing patterns that may occur as a result of fraudulent activity.

This means we will call you to verify that transactions we are seeing on your card are genuine. If we suspect fraudulent activity, or if you call us to report a lost or stolen card, we will take action, such as cancelling your card to block any suspected fraud.

You will not be liable for unauthorised transactions on your credit card provided you have not caused or contributed to the loss and that you notify us as soon as possible.

Find out more about how St.George handles fraud prevention
Is it safe to use my card for online shopping?

With our Secure Online Shopping service you can be confident that the purchases and payments you make on the internet are as safe and secure as possible.

Our Secure Online Shopping service is available to all St.George credit cardholders. Under the Secure Online Shopping Service, you are protected by Verified by Visa^® and Mastercard^® SecureCode™services.

These cutting edge services use One Time Password verification to ensure it is you making the purchase. When you shop at participating online retailers registered with Verified by Visa^® and Mastercard^®SecureCode™ you will receive a One Time Password sent to your specified mobile phone number or email address. To secure your identity, you will be required to enter this One Time Password when completing your purchase.

For more information about credit card security visit visa.com.au or mastercard.com.au.

For more information about how St.George protects your security across all of your accounts, view our Security Centre pages.
What do I do if I think someone has used my card for fraud?
What can I do to keep my credit card secure?

Here are some tips to help prevent fraud or unauthorised transactions on your account:

1. Never tell anyone your PIN or carry it with you
2. Keep your card safe at all times
3. Check your statement when it arrives immediately and query any unknown purchases
4. Save all receipts
5. Report lost or stolen cards immediately
6. Save the lost and stolen contact number into your mobile and in your diary or travel documents especially when travelling abroad (1800 028 208 or if you are overseas, +61 2 9155 7800)
7. Only shop from reputable or recommended online stores
8. When a merchant is processing a payment with your credit card, make sure it is not swiped more than once
9. Take care when divulging credit card information on the internet or the telephone when making a purchase using your card
10. Don't leave credit card receipts at shop counters
11. Never lend your card to anyone else
12. Keep watch for signs that there might be a skimming device at an ATM or EFTPOS terminal
13. Ensure your contact details with us are up to date so that we can contact you immediately if we suspect you are a victim of fraud.
How do I set up SMS and Email Alerts?

You can set up SMS and Email Alerts to stay informed about your credit card balance. You can choose from Balance Alerts, Authorisation or Withdrawal Alerts, Deposit Alerts, High Balance Alerts and Low Balance Alerts.

SMS Alerts are charged at $0.25 per SMS except for the Complete Freedom account which receive free SMS Alerts. Email alerts are free.

You can keep ahead of fraud by choosing an Authorisation Alert so you are notified of each new credit card authorisation. You can help avoid Overlimit fees with a High Balance Alert to let you know when your credit card balance reaches your pre-determined limit.

You can register for SMS and Email Alerts through Internet Banking.
How do I increase or decrease my credit card limit?

After your account has been open for 6 months, you can choose to apply for an increase to your card limit.

To be eligible to apply for a St.George credit card limit increase you must be the primary or joint cardholder, not an additional cardholder, and have not requested a credit limit increase in the last 6 months.

You can decrease your limit at any time.

To increase your limit:
1. Apply online through Internet Banking
2. Apply online
3. Print and complete the Credit Limit Increase Application Form
4. Call us on 1300 784 934 and say “Increase Card Limit” when prompted.

To decrease your limit:
1. Call us on 1300 784 934 and say “Decrease Card Limit” when prompted.

Find out more about increasing your credit limit.
What should I consider when travelling?
Travel with a greater peace of mind knowing that St.George credit cards are accepted worldwide and give you access to over 1 million ATMs worldwide.

When travelling with your credit card, you don’t need to carry traveller’s cheques or large amounts of cash as your credit card opens the door to convenient spending wherever Visa or Mastercard® is accepted.

Here are some tips to help you prepare for travelling:

1. Add a PIN to your credit card before you travel so you can enter your PIN when making purchases and can make cash advances from your credit card account.
2. If you haven’t already, register for Internet Banking so that you can access your accounts and make payments online while travelling.
3. Register for Secure Online Shopping via Internet Banking to safeguard your online purchases.
4. If you think you will have trouble accessing your account overseas, you can set up an Automatic Payment Plan to ensure that you avoid a Late Payment fee by paying at least your minimum payment on time.
5. If your card is due to expire during your travels, it is best to organise a replacement card now before you leave by calling us on 1300 784 934 and saying “Existing Card” when prompted.
6. Ensure your credit limit on your card is sufficient. See whether you qualify to apply for a credit limit increase.
7. Consider setting up SMS and Email Alerts to verify purchases made and keep you posted on your account balances.
8. Consider purchasing your return flight ticket with your Vertigo Platinum Card, Amplify Platinum Card or Amplify Signature Card to qualify for complimentary overseas travel insurance covers with these cards in accordance with the relevant policy.

When, budgeting, factor in that 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.

1. Report a lost or stolen card or a suspect transaction immediately. Keep these numbers handy while travelling. Australia: 1800 028 208. Overseas: +61 2 9155 7800.
2. Your daily cash limits when overseas are the same as at home. You can withdraw up to A$1,000 per day.
3. Your St.George card is still acceptable to merchants in countries that have migrated to PIN/CHIP. If your card does get rejected at the merchant, please request a manual transaction.

To find out more about using your credit card overseas, please call us on 1300 784 934 and say "Existing Card" when prompted.
How do I make the most of the Interest free days?
An interest free period is the amount of time (usually in days) that you won’t be charged interest on a new purchase (or related fees), provided you pay the closing balance by the due date on your statement. St George credit cards offer “55 interest-free days”*. This means you can make purchases without using your own money and at the same time enjoy the freedom of not having to pay it back for up to 55 days.

However, an interest free period depends on your statement cycle, not the purchase date. Not every purchase you make will have the full 55 interest-free days – it’ll depend on when the purchase appears on your statement during the statement period.

For example, take a statement cycle that runs from the 1st of January to the 31st of January with an interest free period of 55 days. If you bought a laptop on the 1st of January with your credit card, you won’t have to pay for it until the 25th February – i.e. an interest-free period of 55 days.

Let’s say on the 31st of January, you purchase a new phone. Again, as it falls into the same statement cycle, you won’t have to pay anything until the 25th of February –an interest-free period of 25 days. The number of interest-free days for each purchase varies depending on when during the statement cycle the actual purchase is listed on the statement.

*Please note, if you have a No Annual Fee Mastercard, this card has no interest free days.

What happens at the end of the interest free period?

The only way you will be able to take full advantage of interest-free days is if there is no unpaid balance on your card account by the due date for payment. For you to do so, you must pay off your “closing balance” in full and on time, every month.

If you haven’t paid the full closing balance on the statement by the due date for payment, interest will be charged on the purchases listed on the statement. Interest is calculated based on the purchase date, and will rollover to the next statement cycle if the interest is not repaid.

Making the most from interest free periods
- Any purchase you make will receive between 25-55 interest-free days. This is provided you pay the closing balance on the statement by the due date each time.
- Purchases made earlier on in the statement cycle will receive more interest-free days than ones made later.
Tips for minimising paying interest
- Select an interest free period card and always pay your outstanding balance on your statement in full by the due date
- Use cash advances only in emergencies
- Find out how promotional offers work before you accept them
- Set up reminders to make payments on time
How long could it take to repay my credit card balance?
How do I activate my card?
How do I close my credit card?
Close your personal credit card account online or alternatively, by calling our Customer Care Centre or visit your nearest branch.
Using a Mobile Device
1.   Sign in to the St.George Mobile banking app
2.   Tap on the Card you want to cancel
3.   In the Account View, tap on the Services menu
4.   In the Services menu, tap on Close account
5.   Continue to close credit card account
6.   Select your preferred reason for closing the account and tap Continue
7.   Select the Credit card account you wish to close and tap Continue
8.   Tap on Confirm closure.

Using a Desktop Computer
1.   Sign in to St.George Internet Banking
2.   Select My Accounts and click on Card services in the Manage My Accounts menu
3.   Select the Credit card you want to close and continue to close the credit card account
4.   Select the reason for choosing to close your account.
5.   Click on Continue with account closure.
6.   Clink on Confirm account closure.

For assistance with closing Corporate/Business Credit card accounts, please call Customer Care.
Just keep in mind that:

Only the primary cardholder can close a credit card. In the case of Joint Account holders, either of the Joint Account holders is able to close a credit card.

You'll need to cancel any regular payments (also known as direct debits) you've set up on your credit card, or otherwise the transactions will still be charged to your account and you'll need to pay them.

You’ll receive a statement every month until your balance is cleared (to nil again).

We look forward to helping you further over the phone on 13 33 30 (9am-8pm Sydney time, Mon-Fri), from anywhere in Australia or +61 2 9155 7800 if you are calling from overseas.
What is the difference between cancelling my credit card and closing my credit card account?
What is the difference between an outstanding balance as at a given date and the Closing Balance?
The outstanding balance at any given date is:

The balance on your credit card account on that particular day.

The balance may not include transactions such as: recent transactions that are still pending or debit orders yet to be authorised; any Interest accrued (but not applied) on the particular day; outstanding fees.

When you pay an outstanding balance on a date other than your statement date (i.e. the date on which payment is due), you may still need to make a final payment on your statement date to ensure that there are no fees, accrued interest or other pending transactions remaining.

The Closing balance is:

The balance remaining on your account on the statement date.

The closing balance includes applied interest, fees and transactions authorised prior to the statement date.
What do I need to do before I close a credit card account?
Ensure that you terminate all recurring payments & direct debits with merchants (eg electricity bills, gym memberships). Any transactions charged to your account after closure will incur interest until you pay the balance owing.

Pay your closing balance (on the date your statement is due) and do not make any further transactions. If you do not pay the closing balance or if you make a further transaction, you will have to pay the outstanding balance after you close your credit card. This amount will be shown on your credit card statement as your ‘Closing Balance’. The closing statement amount will take into account any accrued interest, fees, charges and outstanding authorised transactions.
What should I be aware of when I close my credit card account?
You should be aware of the following:

If you initiate the closure of your credit card account on any date after your statement date, then the balance you will see will be the outstanding balance as at that day. You may need to make a further payment on the next statement date to cater for outstanding authorised transactions, fees, accrued interest and other charges.

If you have a positive balance, your request to close the credit card account will be processed immediately subject to the application of any accrued interest, fees, outstanding authorised transactions and charges. Any refund due will be processed once these have been applied.

It is the account holder's responsibility to ensure all recurring payments & direct debits with merchants (eg electricity Bills, gym memberships) are terminated. Any transactions charged to your account will incur interest until the balance owing has been paid.
What happens to my Rewards Points after I close my account?
What should I do if I have a positive balance on my credit card account and I want to close that account?

You can close your credit card account even if you have a positive balance. You can request closure via online banking, through the branch or our Customer Care. We will provide a refund of the amount due to you (excluding any outstanding fees, interest and charges).

You also have the option of supporting a worthy cause by using your balance to make a contribution to a nominated charity foundation.
What happens to the additional credit card on my credit card account when I close the account?
Will I still receive statements after I close my credit card account?
Will I still be able to see my closed credit card account in Internet Banking?

If the credit card account has an outstanding balance after closing the account, this will still be visible on your Dashboard. Once the outstanding balance is zero, the account will no longer be visible on the dashboard, but you can still access statements via Internet Banking. If you have closed your only account with us and the credit card account you have closed has no outstanding balance, you will no longer be able to log into Internet Banking as you will no longer have active accounts with us.
I have closed my credit card account but there have been amounts debited to the account?

Pre-authorised transactions, recurring payments & direct debits, outstanding interest, fees and charges that were not processed before your credit card account closure may still be debited to your account.

It is the account holder's responsibility to ensure all recurring payments & direct debits established directly with merchants (eg electricity bills, gym memberships) are terminated. Any transactions charged to your account will incur interest until the balance owing has been paid.
I have closed my credit card account, why am I still being charged interest?
Will I still be able to see my closed credit card account in Online banking?
Why is there a credit card account with an outstanding balance on my online banking after I have closed the account?
You are seeing this tile because there is an outstanding balance on your account. This may be due to a number of reasons including:

You may not have paid off the closing balance in full at time of closing the account

There may have been unprocessed pre-authorised transactions at time you closed your account (eg. electricity bills, gym memberships)

Or, outstanding interest, fees or charges have been applied to your account. You will need to pay the closing balance on your account to resolve this query.
What happens to Samsung Pay/Google Pay when I close my linked credit card account?
Can I close my business credit card online?
I do not have a St.George transaction account. How can I make an online payment into my credit card account on closure?
I closed my credit card account on a certain date and paid the balance owing on the day. Why does my latest statement show that I still have outstanding amounts owing?
This may be due to a number of reasons including:

Pre-authorised transactions charged to your account were not processed at time you closed your account;

Outstanding interest, fees or charges applied to your account.

You may not have cancelled recurring payments & direct debits. You will need to pay the closing balance on your account and ensure that you terminate any recurring payments & direct debits setup with merchants.
Why are fees, charges, and/or interest still being debited to my credit card after I closed it?
Why are transactions being passed on my credit card account after I closed it?

Outstanding authorised transactions, any accrued interest owing, recurring payments & direct debits, and other fees & charges may still be applied to your credit card account after you have requested closure. It is particularly important that you terminate any recurring payments & direct debits that you may have set up with merchants. Any transactions applied to your account will accrue interest.
I have lost my credit card or suspect that it has been stolen. Should I use the online credit card closure facility to close the credit card account?
Why is there a positive balance on my card after I have paid the outstanding balance and closed the Credit Card account?

You may see a positive balance on your account until all pending transactions, any outstanding interest & fees are charged to your account. This occurs at the end your monthly statement cycle. At the end of this period, your Credit Card account will be balanced accordingly (Note: To avoid any further transactions and charges to your account, you will need to cancel all recurring payments and direct debits setup on the account. Any recurring payments and direct debits charged to your account will incur interest until the balance owing has been paid).

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Important information

Conditions, fees and credit criteria apply.
Before making a decision, it's best to read the terms and conditions.

Your welcome letter will also set out some terms and conditions such as interest rates and fees

Please read these documents and keep a copy. You can request a paper copy at a branch.

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it's right for you. If you need help, call 13 33 30.

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Visa^®and Verified by Visa^® are registered trademarks of Visa incorporated in the United States and other countries.