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    • St George Gold Low Rate

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    • Gold Low Rate card from St George

    • 15.99%

    • $79.00

    • 55

    St George Gold Low Rate Review

    Review published: 16 January 2012

    What's hot:

    • 1.99% interest rate for 9 months
    • Free travel insurance cover

    What's not:

    • Withdrawal fees for non-St. George ATMs start at $1.50
    • No rewards program

    Mozo snapshot:

    Free from bells and whistles, the St. George Gold Low Rate Credit Card offers competitive rates with the bonus of free insurance cover.

    Key features: Available as a Visa or MasterCard, the St. George Gold Low Rate Credit Card does what it says: the low rates begin with the introductory 1.99% purchase rate, which reverts to a middling 15.99% after nine months. You won't get gouged on the late payment or overlimit fees either, which both come in at $9. There's no rewards system, but the low $79 annual fee buys cardholders free travel and transit accident insurance, with purchase cover thrown in, too.

    Who it's good for: Cardholders who want to prioritise paying down their debt - the St. George Gold Low Rate Credit Card gives you a reasonable nine-month window to slay your debt dragon. If you're not fussed about earning rewards but do enjoy free insurance cover, this credit card could be your perfect match. Besides, anyone who's ever had to make a travel insurance claim would argue the cover is worth more than a free hand-held vacuum that takes two years to save points for.

    Any catches? In some states, the foreign ATM fee rockets up to $2. And if you're hoping to transfer a credit debt from an existing St. George, BankSA or Bank of Melbourne credit card, forget it - the 1.99% balance transfer offer won't apply to you.

    How are St George credit cards rated by the Mozo community?

    Product Type Overall Price Features Service Convenience Trust
    St George credit cards 6.2 Based on 142
    St George credit card reviews     		5.8 4.6 6.6 7.2 6.8

    Read St George credit card reviews by the Mozo community

    Rates

    Purchase rate
    15.99%
    Intro purchase rate
    none
    Balance transfer rate
    none
    Balance transfer term
    none
    Balance transfer revert to cash
    no
    Cash advance rate
    20.24%
    Interest free days
    55

    Other financial bits

    Minimum repayment amount
    $10.00
    Minimum repayment percent
    2.0

    Fees

    Annual card fee
    $79.00
    Introductory fee
    none
    Annual fee spend threshold
    none
    Reward program fee
    $
    Late payment fee
    $9.00
    Overlimit fee
    $9.00
    Cash advance fee
    $2%, Min $2.50
    Foreign exchange margin
    3.00%
    Duplicate statement fee
    $7.50
    Transaction verification fee
    $10.50
    Additional card fee
    $0.00
    Establishment fee
    $

    Features

    Additional cardholders
    3
    Other restrictions
    $2 withdrawal fee also applies to non StGeorge ATMs if you reside in NSW, SA or ACT, otherwise its $1.50. Replacement cards are $15.
    Other benefits
    Transit accident insurance

    About St George

    St.George is Australia’s fifth largest bank and has merged with Westpac to create a banking mega force. St.George offers a wide range of products aimed at business and corporate customers. St.George still have a customer focused team who tailor products to suit its customers needs. So if you want a bank that’s good with people and good with money too, check out the St George range of credit cards, bank accounts, savings accounts, home loans and personal loans.

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