• Low Platinum interest rate on purchases
• Low annual fee for a Platinum card
• Balance transfer rate for up to 6 months
• Up to 55 interest free days on purchases
• Domestic flight inconvenience insurance
• Overseas travel insurance
• Transit accident insurance
• Purchase cover
• Extended warranty
• Best price guarantee
• Personal Concierge Service available 24/7
• Up to 3 additional cards for your friends or family, with all transactions on one statement
• Linked access to your other St.George accounts for the ease of one card banking
• Exclusive platinum card programs offered by Visa
• Read the terms and conditions

• Lots of insurances to cover your purchases and travels.
• Access to VISA’s world-class Platinum Concierge service.
• No rewards program or frequent flyer program.

How does the St.George Platinum Credit Card compare for rates and fees against an average credit card? Based on the data from our website this credit card comparison scorecard shows:

		Purchase Rate	Cash Adv Rate	Annual Fee	Bal. Transfer Rate	Bal. Transfer Rate Period
	St.George Platinum Credit Card	15.99%	21.49%	$89	3.99%	6 months
	The Average Credit Card	17.15%	21.03%	$96	2.86%	7 months

Do you want to own a platinum card without paying the associated fees? Then look no further than the St George Platinum account which gives you access to complimentary services that you would expect from a top-end credit card, without having to pay extortionate management fees or sky-high interest rates.

Pros

The St.George Platinum credit card is the perfect shopping companion. It comes with purchase cover insurance providing an extra 3 months cover against theft, damage or loss on any new purchases. The account also comes with extended warranty cover, which gives you an extra 12 months on top of the manufacturers expressed warranty. And if that isn’t enough, St.George also offer price guarantee cover, whereby you can claim back money if you find a product cheaper within 21 days of purchase.

Not only is the St.George Platinum card perfect for shopping, but is ideal for anyone who likes to travel. The card comes with complimentary overseas travel insurance for the cardholder and their family for up to 3 months. It also comes with domestic flight inconvenience cover and transit accident cover to protect you against all eventualities.

The Platinum account also gives cardholders access to Visa’s world-class Platinum Concierge service, giving members access to VIP events, discounts on shopping and personal planners who can arrange trips and holidays – all at the click of a button.

Security is second-to-none thanks to 24 hour fraud monitoring and state-of-the-art online shopping security technology (Visa Verified), giving you peace of mind that your money is in safe hands.

Cons

St.George don’t offer a reward scheme with this account, which is a feature common among other platinum cards and its absence may put off those of you who use their card to spend regularly.

Conclusion

The St.George Platinum credit is fantastic value for money. With low management fees, the ability to add up to three account holders at no extra cost and an interest free period on all purchases, this is a good value credit card. Aimed at those on a medium income, the St George account is ideal for anyone who wants to be rewarded without having to continuously spend to earn reward points.