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 an Automatic 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, Crimea Region, Iran, 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.
Conditions, fees and credit criteria apply.
Before making a decision, it's best to read the terms and conditions.
- Credit Card Conditions of Use
- Credit Card Accounts Fees and Charges
- Credit Card Complimentary Insurance 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. AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631, of 74 High Street, Toowong, QLD 4066 (trading as Allianz Global Assistance) under a binder from the underwriter, Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708, has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac), of 275 Kent Street, Sydney, NSW 2000 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 downloading the Credit Card Complimentary Insurance Terms and Conditions.