St.George Vertigo Platinum Credit Card

The Vertigo Platinum offers a wide range of complimentary insurance covers, including up to 6 months of overseas travel insurance, conditions apply. 

Add to this a special offer of 0% for 18 months on balance transfers and 1% p.a. on purchases for 12 months (reverts to low purchase rate 12.74% p.a.  Cash Advance rate is 21.49%) and you have a market leading credit card offer.

The Visa Platinum Concierge acts as your very own personal assistant, available 24/7 to service your needs. Get up to 55 interest free days if you pay off your balance in full each month. You can also apply for 3 additional cardholders at no extra cost. Overall this is a great low rate Platinum credit card offer from St George. Offer ends 4 January 2017. New cards only.

  • 1% for 12 months thence 13.24%
  • 21.49% p.a.
  • $6,000
  • 0% for 18 months
  • $10 or 2%
  • $55
  • $9
  • 3%
  • Visa
  • $80,000
  • Up to 55 days
     

Credit Card Conditions of Use - St George

18. INTEREST CHARGES Interest charges in a statement period are calculated by applying: 25 (a) the daily percentage rate applicable to cash advances separately to the unpaid daily balances of the cash advance balance; and (b) the daily percentage rate applicable to purchases separately to the unpaid daily balances of the purchase balance. The total amount of interest charges debited to the card account is the sum of the interest charges on the cash advance balance and the purchase balance.

18.1 Interest charges on purchases and our fees
(a)         Interest free days If the Offer states that you have interest free days on your card account, we do not charge interest on purchases or on our fees (excluding fees that result from a cash advance) that are listed on a statement if you pay the closing balance by the due date for payment listed on every statement.

If you do not pay the closing balance on a statement by the due date for payment, you will not have interest free days on purchases or our fees unless you pay the closing balance by the due date in 2 consecutive statement periods.

If you pay the closing balance by the due date in a statement period, we do not charge interest on purchases or fees (excluding fees that result from a cash advance) debited to your card account in that statement period. If you do not pay the closing balance by the due date for payment listed on a statement, unpaid purchases and fees (excluding fees that result from a cash advance) outstanding as well as new purchases and fees (excluding fees that result from a cash advance) debited to your card account in that statement period will be included in the calculation of the interest charge.
We calculate the interest applicable in any statement cycle on purchases and purchase fees:
• from the date the relevant transaction is made or from the date assigned to the transaction in accordance with condition 13 (the purchase transaction date); or
• if the purchase transaction date is prior to the start of the statement cycle, from the first day of the statement cycle, until these amounts are paid in full. There is no interest free period for these interest charges. (b)         No interest free period on:
(i)          Interest charges We charge interest on interest charges on purchases and fees which we debit to your card account. There is no interest free period for those interest charges. We add those interest charges to the balance of purchases and our fees on which we charge interest. Interest is charged from the date shown on your statement for an interest charge until it is paid in full.
(ii)         balance transfers There is no interest free period for balance transfers. Interest is charged on transferred amounts from the date of transfer. Interest free days do not apply to purchases or fees until the balance transfer amount is paid in full.

(c)         Calculating interest on purchases, fees and interest charges on purchases and fees Except as provided under paragraph (a), we charge interest on each amount of:
• purchases;
• fees;
• interest charges on purchases and our fees, excluding fees that result from a cash advance, debited to your card account from the date shown on your statement for that transaction until the date we receive payment of it in full.

Any reference to the date assigned to the purchase means either:

• the date on which the purchase was made; or

• the opening date shown on the statement of account on which the purchase was itemised, whichever is the later. When interest is payable, we charge interest at the end of a statement period on the balances of purchases, fees and interest charges on purchases and fees during the statement period.

18.2     Interest charges on the cash advance balance.  We charge interest on cash advances, fees resulting from a cash advance, and interest charges on cash advances debited to your card account. There is no interest free period for either cash advances, fees resulting from cash advances or interest charges on cash advances until they are paid in full. Interest is charged from the date shown on your statement for cash advances, fees resulting from cash advances and interest charged on cash advances until they are paid in full. Any reference to the date assigned to the cash advance means either:

• the date on which the cash advance was made; or

• the opening date shown on the statement of account on which the cash advance was itemised, whichever is the later. Whenever we debit your card account with interest charges on cash advances, those interest charges become part of the balance of cash advances on your card account.

18.3     Interest charges on balance transfers. We charge interest on balance transfers and on interest charges on balance transfers debited to your card account. There is no interest free period for either balance transfers or for interest charges on balance transfers. Interest is charged from the date shown on your statement for balance transfers and interest charges on balance transfers until they are paid in full. Any reference to the date assigned to the balance transfer means either:
• the date on which the balance transfer was made; or
• the opening date shown on the statement of account on which the balance transfer was itemised, whichever is the later. Whenever we debit your card account with interest charges on balance transfers, those interest charges become part of the balance of balance transfers on your card account.

18.4 General Interest charges are added (debited) to your card account every statement date (but are not included for the calculation of interest on that day). We do not charge interest on government taxes and duties debited to your card account.

18.5 When interest calculation method changes If we change the interest rate calculation method at your request, the change takes effect from the first day of the interest period during which we make the change. That is, the interest rate calculation method change applies: • retrospectively to all card purchases, balance transfers and cash advances from the first day of the statement period during which we make the change until the date that we make the change; and • to all future transactions which you make on or after the date we make the change.

Low
annual fee

A low annual fee of $99

Up to 55 days
interest free

Pay no interest on purchases for up to 55 days when you pay the closing balance (including any balance transfer amount) by the statement due date each month

Low
purchase rate

Enjoy a low variable purchase rate of 12.74% p.a. (variable rate on cash advances of 21.49% p.a.)

Complimentary
insurance

A range of complimentary insurance covers as set out in the policy

0% p.a. for 20 months on balance transfers requested at card application1. Rate then switches to the variable cash advance rate 21.49% p.a.

0% p.a. on purchases for 3 months from card approval2

Low variable purchase rate of 12.74% p.a. (variable rate on cash advances of 21.49% p.a.)

Low $99 annual fee

Pay no interest on purchases for up to 55 days when you pay the closing balance (including any balance transfer amount) by the statement due date each month

Add up to 3 additional cardholders at no extra cost4

Verified by Visa protection for online purchases

A range of complimentary insurance covers, including overseas travel insurance and extended warranty on purchases as set out in the policy3

24/7 Visa Platinum Concierge Service5

THINGS YOU SHOULD KNOW:

VERTIGO PLATINUM:

Fees, charges and credit criteria apply. Read the Terms and Conditions available below.

Credit Card Conditions of Use
Credit Card Accounts Fees and Charges
Credit Card Complimentary Insurance Terms and Conditions
 

Special Offer Terms and Conditions: The promotional balance transfer rate and introductory rate on purchases are available when you apply for a new St.George Vertigo Platinum credit card between 24 September 2015 and 12 January 2016. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. These promotions are not available in conjunction with any other promotion. 1. Promotional balance transfer rate is available when you request at card application to transfer balance(s) from up to 4 non-St.George, BankSA and Bank of Melbourne, Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for 20 months, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The variable cash advance rate currently 21.49% p.a. will apply to balance(s) transferred but left unpaid at the end of the promotional period. St.George 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). The variable cash advance interest rate applies to balance transfers requested at any other time. Interest free days don't apply to balance transfers. 2. The introductory rate of 0% p.a. on purchases for 3 months applies from card approval when you apply for a new St.George Vertigo credit card. After 3 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account. 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 Bank 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  or download it from stgeorge.com.au 4. Up to three additional credit cards can be issued on the primary cardholder's account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. 5. Concierge Services is serviced by a third party supplier. For details and terms of usage visit visapremium.com.au/Concierge.aspx

VERTIGO:

Fees, charges and credit criteria apply. Read the Terms and Conditions available below.

Credit Card Conditions of Use
Credit Card Accounts Fees and Charges
 

Special Offer Terms and Conditions: The promotional balance transfer rate and introductory rate on purchases are available when you apply for a new Vertigo credit card between 24 September 2015 and 12 January 2016. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. These promotions not available in conjunction with any other promotion. 6. Promotional balance transfer rate is available when you request at card application to transfer balance(s) from up to 4 non-St.George, BankSA and Bank of Melbourne, Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for 18 months, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The variable cash advance rate currently 21.49% p.a. will apply to balance(s) transferred but left unpaid at the end of the promotional period. St.George 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). The variable cash advance interest rate applies to balance transfers requested at any other time. Interest free days don't apply to balance transfers. applies from card approval when you apply for a new St.George Vertigo credit card. After 3 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account. 8. An additional credit card can be issued on the primary cardholder's account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder.