Using Your St.George Credit Card Overseas

Information verified correct on September 26th, 2016
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Instant discounts and added extras with St.George Instant Benefits

An overseas credit card can be used as a replacement for travellers checks or cash. It is a more secure way to travel and you will rest easier knowing that more than 30 million outlets across the world accept MasterCard and Visa as a payment. Take a look at this article to find out how to manage a credit card that you plan on taking overseas.

Product NameSt.George Vertigo Visa
Balance transfer rate (p.a.)0% p.a. for 18 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Purchase Rate (13.24% p.a.)
Balance Transfer Limit95% of available credit limit
Purchase rate (p.a.)1% p.a. for 12 months (reverts to 13.24% p.a.)
Offer end date29 September 2016
Annual fee$55 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 55 days on purchases
Cash advance rate (p.a.)21.49% p.a.
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.
$500
Max credit limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$40,000
Minimum Monthly Repayment2% or $10 whichever is greater
Card TypeVisa
Late Payment Fee$9
Foreign Currency Conversion Fee (VISA)3% of transaction value
Complimentary Travel InsuranceNo
Available To Temporary ResidentsNo
Joint ApplicationYes
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
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.
$500
Max Credit Limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$40,000
Annual Fee$55 p.a.
Minimum Repayment2% or $10 whichever is greater
Late Payment Fee$9
Over Limit Fee$9
Cash Advance Fee2% of the cash advance amount or $2.50
Overseas Cash Advance Fee2%
Overseas Emergency Replacement$52.50
Overseas ATM Balance check$0
Overseas ATM Withdrawal Fee$5
Foreign Currency Conversion Fee (VISA)3% of transaction value
Gambling Transactions AllowedYes
Gambling Transactions Interest RateCash Advance Rate
Additional Cardholder Fee$0 p.a.
Number of Additional Cardholders1
BPAYYes
ChequeYes
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes
Pros
  • This card offers a balance transfer rate of 0% p.a. for 18 months to help minimise interest repayments.
  • You can save money with its 1% p.a. for 12 months introductory offer on purchases.
  • Pay a low annual fee of just $55.
  • The interest rate on purchases is one of the lowest in the market.
Cons
  • You cannot earn rewards for your spending.
  • Cash advance rate will apply for the remaining balances after the promotional period ends.

Your travelling will be complete as long as you take along an overseas credit card that can be used anywhere that MasterCard or Visa are accepted. Here are some tips that will help you manage your credit card once you are overseas.

Using an overseas credit card

These are important points that you should keep in mind before heading out to travel abroad. You should always make sure that you are using an overseas credit card, and not a card that is only accepted in limited areas.

Cash limits

If you have been thinking that you would use your credit card to take out cash anytime you need it during your holiday, then you should rethink that plan. You will have the same cash limit when you are overseas as you would when you are at home. The limit on a cash withdrawal at an ATM is $2,000 and $5,000 if it is a Platinum card. You can always request a higher cash limit by visiting a St.George branch or by calling them on 13 33 30. If your MasterCard or Visa from St.George is connected to one of your transaction accounts, then you will be able to withdraw twice the limit for daily cash using your credit card.

You will be charged a fee for foreign currency conversion at the rate of 3% of the total amount of the transaction. Any standard transaction fees will also be applied to balance inquiries, purchases and withdrawals.

Many overseas establishments accept a Visa or MasterCard, and it is usually much wiser to simply pay for the purchase using your card instead of taking out a cash advance to pay for it. You will save a lot of fees and extra charges if you just make a direct purchase

Using your card

There are over 30 million outlets for MasterCard and Visa and almost a million worldwide ATMs. When you are using your overseas credit card you may not be able to have access to your transaction account even if your credit card is linked with it. If you are in need of cash you will need to use a cash advance from your credit card while you are abroad in most cases.

If you are making a purchase with your overseas credit card then just keep in mind that you will not have access to your transaction account when you are making a purchase either. If you need to get more information about accessing your savings and checking accounts while you are overseas then you can call on 13 33 30 and find out more information.

Travelling is so much easier when you take along an overseas credit card because you will not have to worry about cash loss and theft and other problems associated with carrying traveller’s checks and money. You can have a safer holiday, and enjoy it more by feeling relaxed about your finances while you are overseas.

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How to apply for the St.George Credit Card

If you think the St.George Credit Card is for you, simply enter your details on the secure application form. You need to provide the following to be able to apply:

  • Existing credit card details
  • Personal details (drivers license)
  • Contact details
  • Employment details (weekly income after tax)
  • Financial details (details of assets, savings or investments)
  • If you are a self-employed, you will need to provide recent tax information
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2 Responses to Using Your St.George Credit Card Overseas

  1. Default Gravatar
    helen | November 14, 2013

    I have booked into hotel in Kuala Lumpur every other hotel has accepted my CC with sign only . I have never use pin number but this hotel is requesting it. Can you please help?
    Kind regards.
    Helen.

    • Staff
      Jacob | November 14, 2013

      Hi Helen.

      Thanks for your question.

      Signing for a purchase with your credit card is quickly becoming an outdated form of payment. With advancements in contactless technology this rate of change is likely to increase. Unfortunately, if the merchant is requesting that you use your PIN instead of sign, you are obliged to conform with this. If you would like to reset your PIN for your card, you will have to visit a bank branch. It only takes a few minutes.

      I hope this helps.

      Jacob.

Credit Cards Comparison

Rates last updated September 26th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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