Tools, info and FAQs

Credit Cards - Frequently Asked Questions

• Learn about Balance Transfers
• How to Minimise Credit Card Fees
• Credit Card Fees and Charges
• Credit Card Repayments
• Ways to Pay
• Increase or Decrease your Credit Limit

  Your initial Credit Card limit has been set based on our financial calculations. After your account has been opened for 6 months, you can choose to apply for an increase to your card limit. To be eligible for a St.George Credit Card limit increase you must be the primary or joint cardholder, not an additional cardholder, and have not requested a credit limit increase in the last six (6) months. You can increase your card limit at any time, by calling 13 33 30 and saying “Increase Card Limit” when prompted, 8am – 8pm (EST), Monday to Saturday.

  To increase your limit,

  • Apply Online
  • Print and complete this PDF form
  • Call us on 13 33 30 and saying “Increase Card Limit” when prompted, from 8am – 8pm (EST), Monday to Saturday.

  You can decrease your card limit simply by calling 13 33 30 and saying “Decrease Card Limit” when prompted, 8am to 5pm (EST), Monday to Friday.

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• Upgrade to a Gold Card

  Why should I upgrade to a Gold Card?

  Over time, your Credit Card needs can change. A Gold card may be more suitable for you. Unique offers available to Gold cardholders include,

  1. Higher credit Limit – starting from $5,000
  2. Complimentary Shopping and Travel insurances^*

  Extended Warranty^*

  Receive up to 12 months free and automatic extended warranty on the manufacturer’s expressed Australian warranty on most new personal items purchased entirely on your St.George Gold Credit Card

  Overseas Travel Insurance^*

  Pay your overseas return travel tickets with your St.George Gold Credit Card and automatically receive up to three months free travel insurance, which includes coverage for such items as overseas medical and hospital expenses, loss or damage to personal items such as luggage and travel documents, rental car excess, accommodation & meal expenses when travel is delayed and much more.

  Transit Accident Insurance^*

  When you book and pay for overseas travel with your St.George Gold Credit Card you are automatically protected against accidental death and injury while riding as a passenger or when boarding or alighting from a plane, tourist bus, train or ferry for up to $450,000.

  Purchase Cover^*

  With most new personal items purchased on your Gold Credit Card, you have the security of knowing they are immediately protected for up to three consecutive months against theft, loss or damage.

  How do I apply for an upgrade?

  To see if you are eligible for an upgrade to a St.George Gold card complete the Product Transfer form or call us on 13 33 30 and say “Upgrade My Card” when prompted, between 8am – 8pm (EST), Monday to Saturday or visit a St.George branch to discuss your options.

  *Please refer to the Insurance Conditions of Use for details on the above insurances, including how to make a claim and particulars required.

  • Close Gold Card
• Upgrade to a Platinum Card

  Why should I upgrade to a Platinum Card?

  If you are seeking a credit card with maximum features and benefits, Platinum card may be more suitable for you. Unique offers available to Platinum cardholders include,

  • Higher starting credit limits
  • Choose Visa or MasterCard, and have access to unique Platinum offers. View Platinum offers for
    • St.George Visa Platinum
    • St.George MasterCard Platinum
  • Personal Concierge - Your St.George Platinum Credit Card also gives you the luxury of your own Personal Concierge Service 24 hours, 7 days a week. Your concierge assists with making dinner reservations for you and your guests, can help in an emergency situation, provide advice on shopping and business services, get tickets for events and entertainment and more.
  • Your Platinum card provides comprehensive insurance cover^*.These insurances include:

  Overseas Travel Insurance^*

  Pay for your overseas return travel tickets with your St.George Platinum Credit Card and automatically receive up to three months free travel insurance, which includes coverage for such items as overseas medical and hospital expense, loss or damage to personal items such as luggage and travel documents, rental car excess, accommodation & meal expenses when travel is delayed and much more.

  Domestic Flight Inconvenience Insurance^*

  When your domestic flight is paid on your St.George Platinum Credit Card, you and your spouse and any dependent children are covered for the entire holiday. Your Platinum Credit Card ensures you a range of comforts from meals and refreshments for substantial flight delays, to coverage on the loss or damage of personal items, the cancellation of domestic travel arrangements in unforeseen circumstances and more.

  Transit Accident Insurance^*

  When you book and pay for overseas travel with your St.George Platinum Credit Card, you are automatically protected against accidental death and injury whilst riding as a passenger or when boarding or alighting from a plan, tourist bus, train or ferry for up to $1,250,000.

  Extended Warranty^*

  You receive up to 12 months free and automatic extended warranty on the manufacturer’s expressed Australian warranty on most new personal items purchased entirely on your St.George Platinum Credit Card.

  Purchase Cover^*

  With the most new personal items purchased on your Platinum Credit Card, you have the security of knowing they are immediately protected for up to three consecutive months against theft, loss or damage.

  Best Price Guarantee^*

  This guarantee ensures that you can get the best price on most new personal items. If soon after purchasing a good you see it at a cheaper price, you can claim the difference back.

  How do I apply for an upgrade?

  To see if you are eligible for an upgrade to a St.George Platinum card complete the Product Transfer form or call us on 13 33 30 and say “Upgrade My Card” when prompted, between 8am – 8pm (EST), Monday to Saturday or visit a St.George branch to discuss your options.

  ^*Please refer to the Insurance Conditions of Use for details on the above insurances, including how to make a claim and particulars required.

  • Close Platinum Card
• Add an Additional Cardholder

  Share the convenience of your credit card with up to 3 additional cardholders. The additional card(s) will be issued in the additional cardholder’s name with all transactions itemised in one statement, sent to you as the primary account owner. The nominated additional cardholder must be at least 16 years old, and also be an Australian resident. Apply for an additional card by completing this form.

  • Close Additional Cardholder
• Set up an Automatic Payment Plan
  • Why should I set up Automatic Payment Plan?

    Setting up Automatic Payment Plan is a simple way to ensure you meet your Credit Card repayment by the due date on time each month. You can arrange to have a payment automatically debited electronically from a nominated statement based account with any Australian bank, to your Credit Card.

    There are three payment plans to choose from:

    1. Full monthly payment

    Choose to pay the full amount of your closing balance. You should only choose this option if you are confident there will be sufficient funds in your deposit account each month to cover your full credit card balance.

    2. Minimum Monthly payment

    Choose this option to automatically pay just the minimum payment due. It is an ideal way of ensuring your account stays in good order and leaves you the flexibility to make additional payments at any time.

    3. Fixed monthly payment

    Choose to pay a set amount each month.

    • Close Why should I

  • How do I set up Automatic Payment Plan?

    To set up this service, complete this form or call us at 13 33 30 from 8am – 8pm (EST), Monday to Saturday.

    • Close How do I

  • Close Set up Automatic Payment Plan
• Learn more about Amplify
• Learn about Instant Benefits

  With the Instant Benefits program, you can enjoy great discounts all year round at a range of fantastic partners. Instant Benefits is a complimentary program available to all Vertigo, No Annual Fee, Gold Low Rate and Platinum customers. Simply use your St.George credit card and choose from a range of offers, including entertainment, leisure experiences, shopping, and wine discounts.

  Instant Benefits is not a points program, so these great savings are automatically available when you use your St.George Credit Card with our partners. Treat yourself and your loved ones and enjoy the savings today!

  More on Instant Benefits.

  • Close Instant Benefits
• Register for Internet Banking
• Credit Card Protection

  Why take up credit card protection?

  A credit card protection package* is an optional cover available to you, only with a new St.George credit card. This covers your credit card payments in the event that you pass away, fall ill, have an accident or lose your job, so you and your family do not have to worry about how you will make the credit card payment during these times. For more information or to apply, call us on 13 33 30 from 8am – 8pm (EST), Monday to Saturday.

  ^*Conditions, limits and exclusions apply to credit card protection cover, details of which are explained in the policy wording and Product Disclosure Statement (PDS) for St.George Credit Card Protect, which can be obtained from any of our branches. You should review the PDS and consider your own individual financial circumstances, objectives and needs before deciding to hold or acquire credit card protection cover. St.George Bank - A Division of Westpac Banking Corporation distributes this insurance acting under its own Australian Financial Services Licence as agent for Swann Insurance (Aust) Pty Ltd and St.George Life Limited (Insurers) and not as your agent. Swann Insurance and St.George Life each take full responsibility for the PDS. However, they are not responsible or liable to you for the insurance cover provided by the other. St.George Bank - A Division of Westpac Banking Corporation does not, nor do any of its related bodies corporate (as defined in the Corporations Act 2001 (Cth)) other than the insurer, St.George Life Limited, guarantee payment of any policy benefits.

  • Close Credit Card Insurance
• Your Credit Card Security

  Protecting you against fraud.

  To maximise the security of your new St.George Credit Card, we use the Falcon Fraud system that verifies your Credit Card transactions. We will protect you against unauthorised transactions provided you have not caused or contributed to the loss.

  Fraud check:

  We may call you from time to time to ensure that the transactions we are seeing on your account are genuine. We do this to help protect your card security.

  What I can do to keep your Card secure?

  Here are some tips to help prevent fraud or unauthorised transactions on your account;

  • Never tell anyone your PIN or carry it with you.
  • Keep your card safe at all times
  • Check your statement when it arrives immediately and query unknown purchases.
  • Save the lost and stolen contact number into your mobile and in your diary or travel documents when travelling abroad (1800 028 208 or if you are overseas, +612 9553 5883) and report your card lost or stolen immediately
  • Only shop from reputable or recommended online stores. Read more about Secure Online Shopping
  • Ensure your contact details with us are up to date so that we can contact you immediately if we suspect you are a victim of fraud.

  • Close Your Credit Card Security
• Lost/Stolen cards

  Please notify us immediately of the loss or theft of your St.George Credit Card. To report, call us on

  • Australia 1800 028 208
  • Overseas +61 2 9553 5883
  • 24 hours a day 7 days a week.

  • Close Lost/Stolen cards
• Use your Card overseas
• Change your PIN

  You can change your Credit Card PIN at any time. To change your PIN, simply visit one of our St.George Bank branch with your card.

  • Close Change your PIN
• Send us your feedback

  St.George is committed to providing excellent service. We are always looking at ways to improve, so your feedback is invaluable. Provide Feedback.

  • Close Feedback
• Credit Card Common Forms, Contact numbers and Documents

  Forms
  Additional Credit Card Form	Add an additional cardholder to your St.George Credit Card account.
  Balance Transfer Request Form For existing customers	Transfer your balances from other credit and store cards to your St.George Credit Card. Balance Transfer Calculator.
  Automatic Payment Plan Form	Set up a direct debit from your nominated bank account.
  Card Limit Increase Form	Use this form to increase your Credit Card limit.
  Upgrade your credit card Form	Upgrade Gold or Platinum card or change over to another St.George Credit Card.

  Phone Numbers
  1800 028 208 24 hours, 7 days+61 2 9553 5883 (overseas)	Report a lost or stolen Credit Card.
  13 33 30 8am – 8pm (EST), Monday to Saturday	Any existing Credit Card enquiries say “Existing Card” or to apply for a new Credit Card please say “New Card” when prompted.
  St.George contact directory

  Credit Card Documents
  Credit Card Condition of Use
  Credit Card Insurance Condition of Use
  Interest Rates
  Credit Card Fees and Charges

  • Close Contact
• Glossary