St. George - Platinum Credit Card
The ultimate shopping and travel card
When looking for the type of credit card that will best suit your needs and your lifestyle, here are some tips that you need to remember. First, you should not pay a high interest rate because there are a lot of credit card issuers which offer low-rate cards. Annual fees should also have reasonable rates. If you want a no-frills card, you can even get a credit card which does not require you to pay an annual fee. Finally, you should pay off your full account balance each month so that the interest rates and fees would not pile up.
St. George Platinum Credit Card Travel Benefits
Now that you have an idea of what to look for in a credit card, the next thing that you need to know about is the benefits of each type of card and make your choice from there. The St. George Bank in Australia is one financial establishment which offers a full range of benefits to credit card holders.
With the St George Platinum Credit Card, you are entitled to a lot of travel perks which includes extended warranty, purchase cover, the Personal Concierge service, the domestic flight inconvenience insurance and transit accident. If you are a frequent traveler, the yearly fee that you have to pay for the Platinum card will be worth all the benefits that you will receive in exchange for the annual payments that you need to make.
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. St.George Bank Limited ABN 92 055 513 070 AFS License No. 240997.
St. George Platinum Credit Card General Details |
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| Card Type: |
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| Purchase Rate (p.a.): | 14.99% p.a. |
| Cash Advance Rate (p.a.): | 20.49% p.a. |
| Intro Rate: | - |
| Balance Transfer: | 3.99% for 6 months |
| Interest Free Days: | up to 55 days |
| Additional Cards: | 3 |
| Min Repayment: | $10/2% |
St. George Platinum Credit Card Fees & Charges |
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| Annual Fee (p.a.): | $89 |
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| Rewards Fee (p.a.): | - |
| Late Payment Fee | $35 |
| Additional Card Fee: | - |
St. George Platinum Credit Card Rewards Program |
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| Rewards Program Available: |
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| Rewards Program Description: | - |
