St.George Gold Low Rate Credit Card – Review & Application
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St.George Gold Low Rate Credit Card Review
There are actually two distinct cards – the Gold Low Rate Visa Card and the Gold Low Rate MasterCard. These St.George credit cards feature complimentary insurance covers. Protecting yourself and all your belongings with extra insurance could circumvent a disaster.
| Product Name | St.George Gold Low Rate Card | |
|---|---|---|
| Interest Rate on Purchases | 15.99% p.a. | |
| Annual Fee | $0 p.a. annual fee for the first year ($79 p.a. thereafter) | |
| Interest Free Period | up to 55 days | |
| Interest Rate on Cash Advances | 20.24% p.a. | |
| Minimum Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
|
$1,000 | |
| Max Credit Limit | $80,000 | |
| Minimum Monthly Repayment | 2% | |
| Credit Card Type | Visa/MasterCard | |
| Late Payment Fee | $9 | |
| Complimentary Travel Insurance | Yes | |
| Available to Temporary Residents | No | |
| Joint Application | Yes |
Features of the St.George Gold Low Rate Credit Card:
Complimentary Insurance Covers
- Overseas travel insurance for trips up to 3 months for you and your family – covering medical expenses, unexpected trip cancellation and rental vehicle excess. Insurance is valid when you make the purchase for your return tickets prior to leaving Australia using your St.George Gold Low Rate Credit Card. The insurance includes:
- Unlimited medical expenses cover
- Up to $10,000 per person for loss or damage to personal items as set out in the policy – up to $300 for loss or damaged travel documents
- Unlimited cover for unexpected cancellation of travel arrangement caused by an event as set out in the policy. Limits apply for travel agent’s cancellation fees.
- Travel delay cover up to $375 per person for meal and accommodation cost after a 6 hour delay
- Up to $2,250 rental vehicle excess cover as set out in the policy
- Up to $2.5 million for personal legal liability cover.
- Transit accidence insurance in the event of accidental death or injury when travelling by plane, ferry, train or bus when travelling outside of Australia. The insurance includes:
- Up to $250,000 insurance in the event of accidental death or certain injury while travelling on a plane, train, bus or ferry outside Australia, when prior to taking the trip, you have purchased the tickets using your Gold Card as set out in the policy.
- Purchase cover insurance covering you for 3 months against theft, loss or damage on selected new purchases
- Extended warranty insurance giving you up to an additional 12 months on the expressed Australian manufacturer’s warranty
Other Features:
- Up to 3 additional cardholders
- 24/7 Falcon® Fraud monitoring
How Do I Know About My Application’s Progress?
St.George will keep you updated on the progress of your application. You simply have to log in to Internet banking, or you can give St.George your email address or mobile number, and you’ll get a free email or SMS to keep you updated throughout the process.
What Will Final Approval Depend On?
In order to get final approval, the following must be ascertained:
- You must make an agreement to the Privacy Act and other agreements.
- The institution will need to verify all the details you’ve provided, which includes a credit check on each applicant that is applying.
- Your commitment to provide St.George with any additional information, if requested.
It’s a pretty simple process, and these are standard operating procedures for all credit card applications.
How Secure Is My Information?
The site and your online application are completely secure. If you need more information, you can read a lot more about St.George’s commitment to security.
What information do I need for the Online Application?
When you apply online, you’ll need the following information.
- The driver’s license number (if you have one) for each and every applicant.
- The weekly income (after tax is excluded) for each application.
- Any details pertaining to your assets, savings, or investments. This is basically anything of value that you own.
- If you have any repayments or remaining balances owed on any liabilities – and that includes credit cards, store accounts, and more.
- If you are self-employed, you will need to bring in recent tax information.
The eligibility requirements for this card are that you must be 18 years old and a permanent resident of Australia.
After submitting an application, you should expect the following things to occur:
- You will have to spend 10 to 15 minutes to complete your application.
- After you submit it, you will receive an instant response indicating the response to the application.
- If you are already a St.George customer, then you should use St.George’s Internet Banking service to save loads of time when filling out the application.
- If you don’t have all the information you need when filling it out, then you can save the application, and come back to it within 30 days.
- If you are an existing customer, then you won’t be able to update any of your personal details when filling out the application like mailing address or telephone number.
If you are ready to apply, with St.George hit the apply button now.
Read the St.George Gold Low Rate Card terms and conditions.
| Minimum Age | 18 years of age | |
|---|---|---|
| Available to Temporary Residents | No | |
| Credit Rating Requirement | Good | |
| Min Credit Limit This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure. | $1,000 | |
| Max Credit Limit | $80,000 |
| Annual Fee | $0 p.a. annual fee for the first year ($79 p.a. thereafter) | |
|---|---|---|
| Minimum Repayment | 2% | |
| Late Payment Fee | $9 | |
| Over Limit Fee | $9 | |
| Overseas Emergency Replacement | $52.50 | |
| Overseas ATM Balance check | $0 | |
| Overseas ATM Withdrawal | $0 | |
| Foreign Currency Conversion Fee | 3% | |
| Gambling Transactions Allowed | No | |
| Additional Cardholder Fee | $0 | |
| Number of Additional Cardholders | 3 |
Pros
- This card offers 3 additional cards for $0.
- The interest rate charged on purchases made with this card is just 15.99%.
- This card may say it's low rate, but the 'Gold' comes from the maximum credit limit of $80000.
Cons
- The Low Rate Credit Card offers nothing to reward customers for their spending.
Read the St.George Gold Low Rate Card terms and conditions.
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can i transfer the balance on a citibank debit card to st.george gold
Hi Matthew. Thanks for your question. If you’re approved for the credit card, generally you’re also approved for the balance transfer promotion. Things you need to consider: you can only transfer up to approx. 90-95% of your approved credit limit on your new card; you do not earn interest free days during balance transfer promotions; a balance transfer will usually take up to two weeks (max) to process; the balance transfer rate will revert to variable purchase rate after the promotional period has finished. Hope this helps.
Can I use this card fee free for overseas ATM transactions.
Hi Stephen. Thanks for your question. If you’re looking to use this card overseas, you can save by using your bank’s global ATM alliance partners (I’ve sent some information to your email). Otherwise you may want to consider a international transaction account or travel friendly credit card. Check this page for more information. Jacob.