St.George Platinum Card – Details and Application

St.George credit cards are very competitive and the Platinum Credit Card is no exception. Credit cards all have different features and when choosing a credit card a consumer has to weigh up the pros and cons for their own purposes.
Interest Rates, Fees & Charges
| Balance Transfer Rate |
3.99% p.a. for 6 months |
|
|---|---|---|
| Interest Rate on Purchases | 15.99% p.a. | |
| Annual Fee | $89 | |
| Interest Free Period | up to 55 days | |
| Cash Advance Rate | 21.49% p.a. | |
| Card Type | Platinum | |
| Minimum Income Requirement | $40,000 p.a. | |
| Credit Card Type | Visa | |
| Rewards Program | No |
The ultimate shopping and travel card combining value, prestige and premium benefits. Don’t miss this opportunity for one of Australia’s favourite credit cards.
- Low Platinum 15.99% p.a. purchase rate and 21.49% p.a. on cash advances.
- Low $89 platinum card annual fee
- 3.99% p.a. for 6 months on balance transfers
- Up to 55 interest free days on purchases*
- Insurance cover including: transit accident, purchase cover and extended warranty.
- Up to 3 additional cards for your friends or family, with all transactions on one statement
- Exclusive Platinum card programs offered by Visa
- Instant discounts and added extras with St.George Instant Benefits
Travel Benefits:
St.George has a comprehensive travel insurance with the Platinum Credit Card which covers you overseas or throughout Australia. It is comforting to know that you are covered in case of any of these instances occurring. The travel insurance includes:
- Loss or damage of personal possessions
- Free medical and hospital costs
- If you experience flight delays all food and hotel expenses are paid for
- If you have to rent a car, excess insurance on it is covered
- Domestic flight problems are covered
- When using your card to purchase goods they have free purchase cover
- St.George guarantee an extended warranty insurance
- Linked access to your other St.George accounts for the ease of one card banking
- There is also a ‘best price’ guarantee where if you see a cheaper price for an item you have paid for with your card, the difference will be paid back to you
Full concierge service
This is a service that is excellent for those travelling away from home. The St.George concierge service can help you with flights, theatre bookings, accommodation information, organise travel arrangements, make dinner bookings, advise on local shopping and businesses and more. You just have to ask. They are there to help at all times of day. The only request is that you use your St.George card for any of the bookings made through this service. The concierge service will help in emergencies and will do all they can to assist.
* Interest rate is current as at 13/03/09 and is subject to change. For Platinum an interest rate of 21.49% 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.
St.George Bank Limited ABN 92 055 513 070 AFS License No. 240997.

Featured St.George Credit Card
The St. George Vertigo MasterCard offer has re-launched, now featuring great low rates for up to 6 months on both purchases and balance transfers. The St. George Vertigo is an excellent card to consider from one of Australian most respected banks.
- $55 annual fee
- 13.24% p.a. on purchases
- 0.99% p.a. for 12 months on balance transfers
- Cash Advance Rate of 21.49% p.a.
- 55 days interest free
- Minimum Income Requirement of $15,000 p.a.
- Cannex 5 star rated credit card
Read the official terms and conditions
| Minimum Income | $40,000 | Minimum Age | 18 years of age |
| Residency | Permanent Australian Resident | Credit Rating Requirement | Good |
| Min Credit Limit | $8,000 | Max Credit Limit | $80,000 |
| Annual Fee | $89 | Balance Transfer Fee | |
| Minimum Repayment | 2% | Interest Charged From | PurchaseDate |
| Late Payment Fee | $9 | Over Limit Fee | $9 |
| Overseas Emergency Replacement | $52.5 | Overseas ATM Balance check | $0 |
| Overseas ATM Withdrawal | $0 | Foreign Currency Conversion Fee |












I am in need of a credit card with 12 months travel insurance, full cover of injury,loss,damaged etc.
I am wondering if you can point me in the right direction?
cheers
Asher
Hi Asher
Travel insurance is a common feature of platinum and gold credit cards. The terms and conditions and product disclosure statements for each card will provide you with details on what the travel insurance covers.
Here is our guide to Gold and Platinum Credit Cards
Cheers
Jeremy