St George Platinum Card -- Click4Credit Overview
The St George Platinum Card is a good candidate for being your
all-around card for travel and shopping, combining the prestige and
premium benefits of a platinum card with the low
interest rate on purchases and balance transfers offered in
other St.George
credit cards. As part of its premium benefits, this St.George
credit card provides cover for overseas travel insurance and domestic
flight inconvenience insurance. The Platinum card, available as St
George Platinum Visa or St George Platinum MasterCard, also gives you
access to St George Instant Benefits and a Personal Concierge service.
About The St George Platinum Card
The St
George Platinum Card is a recipient of a 5-star rating from Cannex.
Your credit limit starts at a minimum of $8,000 which good payment
behaviour on your part can help to increase in a few months. For a low
annual fee of $89 you can get travel insurance on your overseas trips,
including your spouse and dependent children, effective for three
consecutive months of travel.
The package includes
luggage, unexpected travel and accommodation expenses, medical and
transit accident cover. In addition to overseas travel, the St George
Platinum card provides domestic flight inconvenience insurance for
contingencies that may arise during domestic flights for you and your
family paid for with your St.George credit card.
The platinum card
gives you the privilege of a Best Price Guarantee on a host of new
personal items; with it, you are assured you will always get the lowest
price for an item even after you may have bought it at a higher price.
You also get the luxury of a 24/7 personal concierge service, whether
you are at home or on travel. The concierge will make your dinner
reservations, get tickets for events and shows you want to see, provide
business services and shopping advice, and other services.
Who may obtain the St George
Platinum Card?
The St
George Platinum Card perfectly suits the frequent shopper and
traveller. The relatively low interest on purchases minimises your
finance costs if you intend to carry a balance from month to month.
Those aged 18 years or
older and a permanent resident of Australia may apply for the Platinum
St.George credit card. You may apply for the St George Platinum card
online; be ready to fill out details regarding your driver�s
licence number, details of income, assets and investments, and
information about outstanding liabilities.
Key Features of the St George
Platinum Card
The St
George Platinum card gives you the prestige and premium benefits of
platinum cards and access to St George Instant Benefits in
entertainment, travel and leisure, shopping, wine and magazines.
The St George Platinum
Card includes the following standard features:
- Annual
membership fee of $89 per annum
- Credit
limit starting at $8,000
- Balance
transfers at 3.99% p.a. for six months
- Standard
interest rate of 15.49% p.a. on purchases; 20.99% p.a. on cash advances
- Interest
free period on purchases up to 55 days, for those who pay balances in
full
- Full range
of insurance covers for overseas and domestic travel, transit accident,
purchase protection, best price, and extended warranty.
- No extra
charge for 3 supplementary cards
- Daily
limit on cash withdrawals up to $5,000
- Personal
concierge service
- May be
linked with deposit accounts at St George
- Worldwide
acceptance for ATM withdrawals and purchases
- Access to
24/7 Internet and Phone banking services
- Protection
from unauthorised or fraudulent online purchases
Disclaimer
* 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.
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