St.George credit cards

Interest free days are the period you have to pay off your credit card balance before you’re charged interest on it. St. George offers an interest free period of up to 55 days on all it’s credit cards. Exactly how many days you get will depend on when you make purchases during your statement cycle. Here’s how it works:You’re interest free days begin at the beginning of your statement, not when you make a purchase. So if your monthly statement covers from the 1st March to the 31st, and you buy a new computer on the 1st, you’ll have the full 55 days to pay for it before you’re charged interest. But if you had bought it on March 31st, it would still appear on that statement, but 30 of your interest free days would have already passed, meaning you have only 25 left to pay for your computer before being charged interest.

If you’re looking to find a balance transfer deal to manage your credit card balance, then you can do so with any St. George credit card. You’ll get an interest free period of up to 20 months, depending on which card you choose, but after that, any balance that hasn’t been paid off will be charged interest at the much higher cash advance rate. So when you take a balance transfer deal, make sure you’ve got a payment plan in place to pay off your balance!

Aside from the annual fee on your St. George credit card, you might also be hit with:Late or missed payment feesCard replacement feesFees for copies of statements or any other documentsCash advance feesAutomatic payment dishonour feeOverlimit fees

You can choose either a St. George Amplify or Qantas card if you’re looking to rake in the rewards. Qantas cards will earn you Frequent Flyer points, while Amplify points can be redeemed for all manner of goodies from the Amplify Rewards Store, including travel accessories, homewares and gift cards.
You can switch between rewards programs if you like, but keep in mind that the points built up in one program can’t be transferred to the other. When you switch, you’ll have 90 days to use any points remaining in your previous program.

You can use your St. George credit card anywhere in the world where MasterCard or Visa is accepted. The daily cash limit is the same as it is while you’re at home, but you will need to factor a 3% foreign transaction fee into your budget.
If you’re heading overseas with your St. George Platinum or Siganture credit card, you’re also eligible for complimentary travel insurance if you pre-pay $500 of your travel costs on your credit card. A great way to do this is paying for your return ticket!

Although Mozo suggests paying off your credit card balance in full, this is the smallest amount you need to pay off your St. George credit card bill each month. If you’re balance is less than $10, you need to pay the full amount. If it’s more, then your minimum payment is the highest of either:2% of your total balance$10The amount that is outstanding in interest or government chargesFor example, if you had only a $200 balance on your credit card, you’d pay $10, as that’s higher than 2%. But if you had a balance of $2,000, your minimum payment would be $40 (2% of $2,000).

No matter what St. George credit card you have, you’ll have the option of having at least one additional card, and some will enable you to have more.