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Travelling overseas

Travel with greater peace of mind, knowing you can manage your credit card while you are overseas.

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® are accepted. Your Visa or MasterCard credit card is accepted worldwide and gives you access to many ATMs if you need cash.

To avoid any unexpected fees and charges, you should factor cash advance fees and International MasterCard or Visa transaction fees into your travelling budget. Find out more on how to minimise these and other fees.

Here are some tips on preparing your St.George credit card before you leave:

  • You could consider cards that offer complimentary travel insurance - Vertigo Platinum, Amplify Platinum or Amplify Signature
  • Set up a PIN on your credit card for easy cash advances at overseas ATMs and at merchants that accept a PIN for credit card purchases
  • Ensure your mobile number and email address are up-to-date. With St.George’s Secure Online Shopping Service, from time to time you will need to enter a unique ‘One Time Password’, which you will receive via SMS or email, when shopping online with participating merchants. If you’re not planning to use your mobile phone number overseas, let us know if you've changed your address or email
  • Register for Internet Banking so you can check your balances and make repayments online
  • Arrange your regular credit card repayments before you leave with anAutomatic Payment Plan
  • Apply to increase your credit limit, if necessary, to avoid over limit fees.
  • Help us protect your accounts while overseas by letting us know when and where you are travelling
  • St.George operates in many overseas locations and must comply with economic and trade sanctions at all times. Some countries present significant risk in relation to sanctions compliance. St.George cards are not accessible and cannot be used in the following affected countries: Cuba, Iran, Myanmar, North Korea, Sudan and Syria. To ensure access to other payment options in these countries, visit a St.George  branch to arrange an alternative solution.

Learn more about some of our credit cards

Amplify Platinum Card

  • Choose to link your card to two great rewards programs – Amplify Rewards1 or Amplify Qantas2
  • Double points on international spend
  • A range of complimentary insurance covers – including overseas travel insurance and extended warranty on purchases as set out in the policy3
  • 24/7 Visa Concierge service4
  • All for a low annual fee of $99.

Amplify Signature Card

  • Choose to link your card to two great rewards programs – Amplify Rewards1 or Amplify Qantas2
  • Our highest points earn rate, uncapped
  • A birthday bonus – 10% of points earned in past 12 months5
  • Double points on international spend
  • Two complimentary airport lounge passes per year upon enrolment6
  • And more… all for a competitive annual fee of $279.

Vertigo Platinum Card

  • Complimentary travel and purchase insurance covers when you prepay travel costs using your Vertigo Platinum card as set out in the policy3
  • 24/7 personal concierge service4 to book travel and entertainment for you
  • Up to 55 days interest free on purchases when you pay your balance in full by the statement due date
  • $99 annual fee.

Important information

Conditions, fees and credit criteria apply.

Before making a decision, it's best to read the terms and conditions.

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

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

1. The earning of Amplify Points through the use of an Amplify Card is subject to the Amplify Rewards & Amplify Qantas Terms and Conditions. Amplify Points are earned on eligible purchases. Points are not earned on balance transfers or cash advances including ATM withdrawals. You are not entitled to Amplify Points in other specified circumstances. You need a minimum of 3,000 Amplify Points before you can redeem for any reward. Specific conditions may apply to the redemption of particular rewards. Refer to amplify.stgeorge.com.au.

2. The earning of Qantas Points through the use of an Amplify Card is subject to the Amplify Rewards & Amplify Qantas Terms and Conditions. Qantas Points are not earned on balance transfers or cash advances including ATM withdrawals. You are not entitled to Qantas Points in other specified circumstances. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program. A joining fee usually applies, but St.George has arranged for this to be waived, for a limited time, for new Amplify cardholders who are not already a member and choose to link their card to Amplify Qantas. For more information on the Qantas Frequent Flyer program visit qantas.com/frequentflyer or call or call 13 11 31.

3. 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.

4. Visa Platinum/ Visa Signature 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.

5. Birthday bonus is calculated over a period of 12 months, on the number of Amplify Points or Qantas Points (excluding bonus points) as applicable, earned on Amplify Signature Card purchases from the day of the Account Owner's birthday to the day prior to the Account Owner's birthday, other than the first Birthday bonus which will be calculated from the day of Card approval to the day prior to the Account Owner's birthday. The Amplify Signature Card Account Owner will receive ten percent of the points earned during the Birthday bonus calculation period which will be credited to the Amplify Rewards or Qantas Frequent Flyer Membership Account as applicable, within 4 weeks of the Account Owner's birthday. For Joint accounts the first listed Account Owner's birthday is used for the calculation. The Birthday bonus can be accessed by all Account Owners.

6. Amplify Rewards and Amplify Qantas each offer airport lounge passes. Cardholders are only eligible for lounge passes offered for their selected rewards program and conditions apply. Lounge passes are subject to expiry. Priority Pass is offered to Amplify Rewards Cardholders, who must enrol via stgeorge.com.au/amplifysignature. For full details visit prioritypass.com/Conditions-of-use.cfm. Qantas Club Lounge Invitations is offered to Qantas Rewards Cardholders who must enrol via stgeorge.com.au/amplifysignature. Access and use is subject to Qantas Club Rules. For full terms and conditions visit qantas.com/qantasclub and some exclusions apply.