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St.George Rainbow Vertigo Platinum Card

Purchase Rate
12.99% p.a.
Cash Advance Rate
21.49% p.a.
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Interest Free
Up to 55 days
Annual Fee
$99.00
Balance Transfer Rate
0% p.a. for first 15 months
  • ~Purchase Rate Promotion: The special promotional rate of 0% p.a. on purchases for 15 months applies from card approval when you apply for a new Vertigo Platinum credit card between 3rd October 2019 and 12th February 2020. After 15 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.
  • **Discounted First Year Fee: The discounted first year annual card fee promotion is available when you apply for a new Vertigo Platinum (and elect to link your card account to the Amplify Rewards program), Vertigo Platinum or Amplify Signature credit card between 3rd October 2019 and 12th February 2020. The first annual card fee at the reduced rate will be debited from your card account on your first transaction and the full annual card fee, will be debited annually thereafter. Credit criteria, fees and charges apply.
  • 1. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible Bank of Melbourne account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Credit Card Complimentary Insurance Terms and Conditions (PDF 328KB) which may be amended from time to time. Westpac does not guarantee this insurance.
  • 2. Visa Platinum/Concierge (“Concierge”) is serviced by a third party supplier. By accessing or using the Concierge, or attempting to do so, you are deemed to have understood and agreed to the terms of usage.
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Key Features
Rewards Program
Rewards
Joining Fee
-
Annual Fee
$99.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Fee & Repayments

Annual Fee $99.00
Annual Fee First Year $49.00
Rewards Joining Fee -
Supplementary Card Fee $0.00
Minimum Repayment Greater of 2% or $10.00
Interest Charged From PurchaseDate
Late Payment Fee $15.00

Other Charges

Duplicate Statement Fee $7.50
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $10.50
Overseas ATM Withdrawal Fee $2.50
Over Limit Fee $15.00
Overseas Emergency Card Replacement Fee $52.50
Terms & Conditions
Please read these documents and keep a copy. You can request a paper copy at a branch. The advice on our website is prepared without knowing your personal financial circumstances. Before you act on this or any advice, please consider if it's right for you. If you need help, call 13 33 30. ^Balance Transfer Promotion: Available when you apply and are approved for a new Vertigo, Vertigo Platinum, No Annual Fee, Amplify Signature and Amplify Platinum credit card between 23rd May 2019 and 2nd October 2019, and request at card application to transfer balance(s) from up to 3 non-St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. A balance transfer fee of 1% for No Annual Fee credit card of the transferred balance(s) will be charged to the account on the same day the balance(s) are debited to the account. No balance transfer fees apply to Vertigo, Vertigo Platinum, Amplify Platinum and Amplify Signature credit cards. At the end of the promotional period, the applicable variable cash advance rate will apply to any outstanding transferred balance(s). We will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). Interest free days do not apply to credit cards with balance transfers. Complimentary insurance cover: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible St.George account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in the Credit Card Complimentary Insurance Terms and Conditions, which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 13 33 30 or download it from stgeorge.com.au. Any advice we may provide on this product is general in nature and may not reflect your individual needs or circumstances. You should therefore consider the information in the Product Disclosure Statement. © 2019 St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

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