Credit Card
St. George Platinum Credit Card
- Low Platinum 15.74% p.a. purchase rate*
- Low $89 Platinum annual fee
- 3.99% p.a balance transfer rate for up to 6 months***
- Up to 55 interest free days on purchases*
- Up to 3 additional cards for your friends or family, with all transactions on one statement
- Linked access to your other St.George accounts for the ease of one card banking
- Exclusive Platinum card programs offered by Visa and MasterCard
- Instant discounts and added extras with St.George Instant Benefits
| Intro APR: | N/A* |
| Intro Period: | N/A |
| APR: | 15.74% * |
| Annual Fee: | $89.00* |
| Issuer: | St. George Bank |
| Card Network: | VISA® |
| Card Category: | Consumer (Premium) |
| Card Type: | - Low Interest Credit Card |
| Credit Needed: | Good* |
The St. George Platinum Credit Card is the ultimate companion for your pocket. The card charges a low interest rate on retail purchases making it really convenient to consolidate expenditure into a single account. New cardholders will enjoy an opportunity to transfer balance from high interest cards. During this intro period lasts throughout a 6 month period with any transferred balances incurring a low interest rate.
Although you don't get to participate in a dedicated rewards program, you'll still earn discounts and added extras when using your card to purchase items at participating merchants and retailers. A complimentary purchase cover insurance policy for shoppers protects your purchases against theft, loss or damage for up to three months after purchase.
Extended Warranty offers up to 12 months added to the manufacturer's warranty provided such warranty is applicable to Australian buyers. Why should you love shopping? With the Best Price guarantee you can claim the difference on most personal items you purchase if after purchasing you find a cheaper price.
Frequent travellers will find comfort in knowing that when travel bookings are purchasing using the card, the cardholder automatically qualifies for transit accident insurance with protection of up to $750,000 in event of accidental death and injury. Competing to other credit cards, this insurance covers transit via train, bus, ferry and planes. When you travel overseas you automatically receive up to three months free travel insurance covering medical expenses; loss or damage or theft to personal items including your luggage and travel documents; unexpected travel and accommodation expenses. Domestic flight inconvenience insurance will cover your feeding and essential clothing during a luggage delay. You are also covered in event of accidental death and flight cancellation in unanticipated circumstances.
Get luxury spa treatment, tips to shopping cheap or book a flight ticket using the Personal Concierge Service available for 24hrs everyday of the week. Cardholders wishing to share their card accounts with a family member or friend may order up to 3 additional cards. Expenses charged to an additional card are directly linked to the basic card but no form of credit is made available.
The St. George Platinum Credit Card charges an annual fee which is low for a platinum card.
| Other Benefits: | - Personal Concierge Service - Transit accident - Domestic flight inconvenience insurance - Overseas travel - Extended warranty - Purchase cover - Best price guarantee |
| Comments: | Who can apply for a St.George Credit Card - To be eligible for this St.George Credit Card you must be 18 years or older, and also a permanent Australian resident. Information you'll need to complete your Application - Your driver's licence number (if any) for each applicant - Weekly income (after tax) details for each applicant - Details of your assets, savings or investments - The repayment amounts and balances owing on any liabilities (including credit cards, store accounts, etc.) If you are self-employed you will also need recent tax information. Disclaimer * Interest rate is current as at 13/03/09 and is subject to change. For Platinum an interest rate of 19.99% p.a. applies to cash advances. 55 days interest free on purchases only on accounts paid in full by the due date. Interest free period does not apply to the cash advances, or any purchases while an amount that has been debited as a result of a balance transfer remains unpaid. All applications for credit are subject to the Bank's prevailing credit criteria. Fees, charges, terms and conditions apply and full details are available upon request. ** These benefits are provided to cardholders and are subject to Terms and Conditions (http://www.stgeorge.com.au/resources/sgb/downloads/InsuranceCOU.pdf) and exclusions contained in the Policy of Insurance. Please refer to the Terms and Conditions for a full explanation of cover and exclusions. *** If your application for credit is approved, the special balance transfer rate period commences on the date the account is opened. The special Balance Transfer interest rate period ends 6 months later, regardless of when any balance transfer request is processed by us. On the date the special balance transfer rate period ends the interest rate on the outstanding transferred balances reverts to the standard variable rate applying to purchases. Any interest free period for purchases does not apply while an amount that has been debited as a result of a balance transfer remains unpaid. Balance Transfers will not be accepted from personal loan, overdraft, business or St.George Group or international credit card accounts. |
| Online Account Access: | Yes |
| Introductory APR: | N/A* |
| Applied Towards: | Balance Transfer |
| Introductory Period: | N/A* |
| APR on Purchases: | 15.74% * |
| Annual Fee: | $89.00* |
| Grace Period: | 55 days* |
| Min Credit Line: | $8,000 |
| Late Payment Fee: | $30.00* |
| Over Limit Fee: | $30.00 |
| Balance Transfer: | Yes |
| APR Cash Advances: | 21.24% |
| Cash Advance Fee: | 2.50% |
| Apply Now |
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† Details of the St. George Platinum Credit Card are subject to change without prior notice. We do not guarantee the accuracy of information provided after the last update (Jul 28, 2010) hence, we strongly advise visitors to check terms and conditions prior to completing the application process.
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