NEWS

Nov 5 2017

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Important information

Conditions and fees apply. Credit criteria apply to all credit products

Before making a decision, it’s best to read the terms and 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.

^$0 annual fee in first year for existing St.George customers promotion: To be eligible for this promotion you must be an existing St.George customer that applies for a new Vertigo, Vertigo Platinum, Amplify, Amplify Platinum or Amplify Signature card by clicking on the ‘Apply now’ button on this page between 24 September 2015 and 12 January 2016 and make your first purchase within 3 months from card approval. Switches, upgrades, customers accessing employee benefits or packages cards are ineligible. Promotion is not available in conjunction with any other promotion other than the current balance transfer available at card application, promotional purchase rate offer or any bonus points offer. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.

1. Up to 55 days interest free on purchases when you pay the full closing balance (including any balance transfer amount) by the statement due date each month.

2. The promotional balance transfer rate is available when you apply for a new St.George Vertigo or Vertigo Platinum card between 24 September 2015 and 12 January 2016 and request at application to transfer balance(s) from non- St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards. The variable purchase interest rate applies to balance transfers requested at any other time. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. Promotional rate not available in conjunction with any promotion other than the special purchase rate promotion. Promotional rate will apply to any balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. The variable cash advance rate, currently 21.49% p.a. will apply to balance(s) transferred but left unpaid after at the end of the promotional period. Card activation will trigger the processing of the balance transfer. St George 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 don’t apply to balance transfers.

3. The promotional balance transfer rate is available when you apply for a new St.George Amplify, Amplify Platinum or Amplify Signature card between 24 September 2015 and 12 January 2016 and request at application to transfer balance(s) from non-St.George, BankSA and Bank of Melbourne Australian issued credit, charge or store cards. The variable purchase interest rate applies to balance transfers requested at any other time. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. Promotional rate not available in conjunction with any promotion other than the special purchase rate promotion. Promotional rate will apply to any balance(s) transferred (min $200 up to 95% of your approved available credit limit) for 16 months, unless the amount is paid off earlier. The variable cash advance rate, currently 20.74% p.a. will apply to balance(s) transferred but left unpaid after 16 months. Card activation will trigger the processing of the balance(s) transferred. St.George 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 don’t apply to balance transfers.

4. 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 the Credit Card Complimentary Insurance Terms and Conditions .

5. An additional card can be issued on the primary cardholders’ credit card account to any nominated person over the age of 16 years provided the account is not a joint account. All transactions using an additional card will be the responsibility of the primary cardholder.

6. The earning of Amplify Points are earned on eligible purchases through the use of an Amplify card and is subject to the Amplify Rewards Terms and Conditions. Amplify Points are not earned on cash advances, balance transfers and ATM withdrawals. You are not entitled to Amplify Points in other specified circumstances. You need a minimum of 3,000 Amplify points before you can redeem any reward. Specific conditions may apply to the redemption of particular rewards. Refer to amplify.stgeorge.com.au .

7. The earning and redemption of Qantas Points is subject to the Amplify Rewards Terms and Conditions. You must be a member of the Qantas Frequent Flyer program to earn and redeem points in accordance with the terms and conditions of the Qantas Frequent Flyer program.

8. The promotional balance transfer rate is available when you apply for a new St.George No Annual Fee credit card between 24 September 2015 and 12 January 2016 and request at application to transfer balance(s) from non- St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards. The variable purchase interest rate applies to balance transfers requested at any other time. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. Promotional rate not available in conjunction with any promotion other than the special purchase rate promotion. Promotional rate will apply to any balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. The variable cash advance rate, currently 20.49% p.a. will apply to balance(s) transferred but left unpaid at the end of the promotional period. Card activation will trigger the processing of the balance transfer. St.George 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 don’t apply to balance transfers.





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