Case study · Brand Strategy · Tone of Voice · Content System · Contract · Telstra Business Award — Startup of the Year 2013

Reinventing Health Insurance

The problem

Health insurance in Australia was a category defined by jargon, anxiety and fine print. Every brand sounded the same: corporate, cautious, impenetrable. health.com.au was a startup entering this category with a genuinely different product and no brand voice to speak of. The brief: build a voice from scratch that would make health insurance feel simple, trustworthy and human, and do it on a startup budget.

The insight

Australians didn't hate health insurance. They hated feeling confused and talked down to by it. The opportunity was a good one, making health insurance feel like it was finally on their side. Honest, warm, a little bit irreverent. A brand that explained things clearly and respected the reader's intelligence.

What I built

Created the brand voice and messaging strategy from the ground up — tone of voice guidelines, messaging hierarchy, copy principles — rolled out across every channel
Translated heavily regulated health insurance language into accessible, conversion-focused content without losing accuracy
Developed 20 persona-led landing pages, a full FAQ knowledge base, blog content strategy and social-ready editorial
Built the customer help desk content from zero — an ask-me-anything resource that became a trust anchor for new customers
Produced ongoing blog and content marketing that integrated with social syndication and drove organic traffic
Established copy governance and brand guidelines used by the team long after the initial engagement

The outcome

Telstra Business Award — Startup of the Year 2013. Immediate ROI and customer conversions from launch. health.com.au became the first brand in the category to make health insurance sound human — a voice that reshaped how Australians talked about health insurance and that competitors eventually followed.

Visit the site

Case study · Assistive Technology · D2C Market Entry · TGA-Regulated · Content Strategy & IA

BEHN — Launching a New Category

The problem

Behn is an intelligent patient transfer system that combines bed, shower chair, hoist and commode into one connected device — a genuinely innovative product that eliminates the need for multiple pieces of care equipment. The challenge: it existed in a category that didn’t yet exist. No consumer awareness, no established purchase journey, a $115k price point, TGA regulation, and three completely distinct audience types — aged care families, disability support networks and clinical referrers — all needing different information to make very different decisions.

The insight

When a purchase is this significant — financially, emotionally and practically — the content can’t just describe the product. It has to do the work that a salesperson would do: anticipate anxiety, build trust progressively, and help each type of buyer understand exactly why this is the right decision for their specific situation. The IA had to reflect that. One site, three audiences, one coherent brand.

What I built

Redesigned the site information architecture from the ground up — mapping three distinct customer journeys (aged care families, disability support, care professionals and referrers) so each audience could navigate a genuinely complex, high-stakes purchasing decision without getting lost

Wrote the full site: hero copy, how it works, cost of care comparison content, audience-specific landing pages, referrer hub, guides and lead generation assets (downloadable guide)

Translated a technically complex, TGA-regulated assistive technology product into clear, warm, accessible consumer language — balancing clinical credibility with genuine human warmth
Developed cost-of-care comparison content that made a $115k purchase feel like a rational, well-evidenced decision rather than a leap of faith

Built the lead generation content system: free guide, quote request flow and demo request — each calibrated to where the buyer was in their decision journey

Download the guide (PDF, 8MB)

The outcome

300+ qualified leads within six months of launch in a brand new, high-ticket regulated category. Three premium consumer sales generating $345k in immediate revenue — proving the commercial viability of a D2C model for a product most people assumed could only be sold B2B. The content did what it needed to do: made something complicated feel manageable, and something unfamiliar feel trustworthy.

Case study · Enterprise Banking · Brand Strategy · UX Copy · Email · Content Systems

Westpac & St.George — Digital Content Redesign & Tone of Voice

The problem

Westpac and St.George had a content problem most big banks have: product pages written by compliance teams, email copy written by product managers, and a brand voice that sounded like nobody in particular. The brief was to govern a large-scale content redesign across credit cards and loans — for both new and existing customers — while simultaneously redeveloping the tone of voice across every digital touchpoint. Forty-plus stakeholders. Two brands. Regulated content. And a real commercial imperative to make people feel like a bank was actually on their side.

What I built

Developed persona-led messaging architecture across four distinct credit card customer types — rewards seekers, convenience seekers, low-rate revolvers and balance transferers — each with their own needs, language and emotional triggers

Wrote the strategic messaging framework: "A bank that gives you credit for living, credit your way, helps you stay in control and pay it off quicker" — the umbrella proposition that unified the card range across both brands
Rewrote product pages for credit cards and personal loans across Westpac and St.George — new and existing customer versions — translating heavily regulated financial language into clear, benefit-led copy without losing compliance accuracy

Produced a full suite of activation and marketing emails across seven card types — 55 Day, 55 Day Platinum, Altitude, Altitude Platinum, Altitude Black, Low Rate and Westpac Lite — each with A/B subject line variations, personalised hero copy, benefit-led content modules and compliant footers, written to strict character limits without losing warmth or brand voice
Redeveloped tone of voice across all digital touchpoints: trigger email, marketing email, SMS, UX copy and microcopy — building a consistent voice that could flex across product types, customer segments and compliance requirements simultaneously
Worked closely with business analysts to map customer journeys and identify where copy was creating friction, confusion or drop-off
Contributed to information architecture recommendations and page structure decisions, working with digital and UX teams to identify content groupings, navigation pathways and page hierarchy that improved discoverability and customer flow
Governed content deliverables across 40+ stakeholders including legal, compliance, product, marketing and digital teams — managing revision rounds and maintaining brand voice integrity throughout
Optimised product pages for SEO and conversion rate across the card and loan range

Developed thought leadership article topics and editorial planning for St.George content marketing

The through-line

The hardest brief in financial services isn't writing the hero headline. It's keeping the brand voice alive through the rates table, the fees disclosure, the "things you should know" section, and the activation email at 7am. That's where most banks lose people. The work here was building a voice consistent enough and human enough to survive every touchpoint — including the ones nobody wants to write. "You're on your way to smarter spending." That's a bank sounding like a person. And it’s keeping the information architecture logical enough that a customer can find what they need without calling the bank.

Copy decks

The full copy decks, exactly as written. Select a document to open it.

V2_WPac_DETAIL_AltitudePlatinum

Altitude Platinum.

(Lead)

Receive 40,000 bonus Altitude or Qantas Points.*

All the benefits of Altitude, plus:

Platinum concierge service
Complimentary insurance.****

(Pull out)

2 cards linked to 1 account – with platinum extras.

American Express® to earn points faster. Visa for worldwide use.

(Special promotions)

40,000 bonus Qantas or Altitude Points* on a new Altitude Platinum credit card.

$0 annual fee for the first year*** when you apply online. Existing customers only.
0.00% p.a. for 14 months**** on balance transfers requested at new card application.

(Essentials)

Choose your rewards.

Altitude.

Travel with frequent flyer points for a range of airlines, lounge passes and accommodation bonuses. Shop smarter with vouchers, gift cards and premium brand products.

Qantas.

Travel more with Qantas Frequent Flyer Points on Qantas, Jetstar and partner airlines. Fly high with Qantas flight upgrades, where available.

Altitude Point earn per $1 on eligible purchases:
- 2 Altitude Points on Altitude American Express®
- 1 Altitude Point on Altitude Visa.

Qantas Point earn per $1 on eligible purchases:
- 1 Qantas Point on Altitude American Express®
- 0.5 Qantas Points on Altitude Visa.

Platinum concierge services – your very own 24/7 worldwide personal assistant
A range of complimentary insurance covers***

Up to 45 days interest free on purchases – just pay the closing balance (including any balance transfer amount) by your statement due date each month

Tap and go – pay for everyday purchases under $100 with contactless technology
Manage your card on-the-go with mobile banking.

(Rewards)

Altitude Point earn per $1 on eligible purchases:

2 Altitude Points on Altitude American Express®
1 Altitude Point on Altitude Visa.

Earn up to 3 bonus Altitude Points per $1 spent at participating Bonus Partners. >link or PDF with more detail<

A cap of 7,500 Altitude Points applies per statement cycle, when using either or both cards. Bonus points don’t count towards the cap.

Redeem your Altitude Points (minimum 3,000) for a wide range of rewards, including:

Apple, Sony and Bose products
Dyson, Kitchenaid and Tefal products
Westfield, David Jones, Harvey Norman and Bunnings Warehouse gift vouchers
Frequent Flyer Points from 5 different programs:
- Virgin Australia - Velocity
- Malaysia Airlines - Enrich
- Air New Zealand - Airpoints
- Singapore Airlines - KrisFlyer
- Cathay Pacific - AsiaMiles.

Qantas Point earn per $1 on eligible purchases:

1 Qantas Point on Altitude American Express®
0.5 Qantas Points on Altitude Visa.

Earn up to 3 bonus Qantas Points per $1 spent on selected Qantas products and services.

Earn bonus points twice with Qantas Frequent Flyer program partners: once on your Altitude cards, and again with the partner by presenting your Qantas Frequent Flyer membership card. >link or PDF with more detail<

A cap of 3,750 Qantas Points applies per statement cycle, when using either or both cards. Bonus points don’t count towards the cap.

Redeem your Qantas Points for flights or upgrades:

Qantas and Jetstar Any Seat Awards are available on any flights with a QF or JQ flight number
The points required will be quoted when you book
Special promotional fares may not apply
Award flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply). >link or PDF with more detail<

(More)

Add 1 additional cardholder (16 years or older) at no extra cost
Minimum card limit $6,000
Recommended income to apply $30,000 p.a
Card security: embedded microchip, added online security, 24/7 fraud monitoring and CardShield^™. >link or PDF with more detail<
Fraud money back guarantee: you’ll be reimbursed for any unauthorised transactions, provided you didn't contribute to the loss and notify us promptly. >link or PDF with more detail<
24/7 Complimentary Concierge Service. Download the app from iTunes
A range of complimentary insurance*** covers including overseas travel insurance, transit accident insurance, purchase security insurance, and extended warranty insurance in accordance with your policy.

(Fees)

Annual fee: $150
Foreign currency transaction: 3% of the Australian dollar value (incl., without limitation, ATM transactions) by use of Visa card issued on your account. 3.5% of the Australian dollar value (incl., without limitation, ATM transactions) by use of American Express card issued on your account.
Australian currency, foreign merchant: 3% of the Australian dollar value (incl., without limitation, ATM transactions) by use of Visa card issued on your account. 0% of the Australian dollar value (incl., without limitation, ATM transactions) by use of American Express card issued on your account.
Cash advance: 2% of each cash advance amount (incl., without limitation, internet and phone banking transactions) from your credit card account. Minimum $2.50.
Late payment: $9 applied for each late or missed payment
Card replacement: $15 per card within Australia; $52.50 per card outside of Australia; $45 per card for emergency or urgent replacements
Overlimit fee: (for cards opened before 4 June 2012) $9 once per statement period, if a transaction is made for an amount exceeding the available credit at the date the transaction is debited to your credit card
Automatic payment dishonour: $9 per dishonoured payment under the automatic payment plan
Statement copy: $4.50 for requests via phone or internet banking; $7.50 for all other requests
Extra card holder: $0

(Rates)

Purchases: 20.24% p.a. (variable)
Cash advances: 20.74% p.a. (variable)
Special balance transfer promotion: 0.00% p.a. for 14 months.****

(Details)

* BONUS POINTS FINE PRINT

** $0 annual fee in first year for existing Westpac customers promotion: To be eligible for this promotion you must be an existing Westpac customer that applies for a new Low Rate, Altitude, Altitude Platinum or Altitude Black card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au or westpac.com.au/mobile between 12 April 2016 and 6 July 2016. Switches, upgrades, customers accessing employee benefits or packages cards are ineligible. 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. Offer not available in conjunction with any special offers that are not listed on www.westpac.com.au.
*** INSURANCE fine print
**** Special balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Low Rate credit card between 12 April 2016 and 6 July 2016 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The promotional balance transfer rates for Altitude, Altitude Platinum, Altitude Black, 55 Day and 55 Day Platinum cards are available when you apply for a new credit card between 12 April 2016 and 1 May 2016 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rates will apply to 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. Card activation will trigger the processing of the balance transfer. The variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. Westpac 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). Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. The variable purchase interest rate applies to balance transfers requested at any other time. Interest free days don’t apply to balance transfers. Offer not available in conjunction with any special offers that are not listed on www.westpac.com.au.

More about Altitude Points:

The details on how and when you earn Altitude Points are in the Altitude Rewards and Altitude Qantas Terms and Conditions (PDF 193kb)
- For each statement cycle a points cap of 5,000 points applies when using either or both cards. Bonus points do not count towards the points cap. See Details.
- Visit altituderewards.com.au or sign in to Altitude Rewards through Westpac online banking to: view the latest altitude rewards magazine, new rewards and special offers; find local bonus points partners to earn up to triple the usual points; redeem Altitude Points for rewards; and check your Altitude Rewards account.
- You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The Altitude Rewards Terms and Conditions and the Terms and Conditions of the relevant frequent flyer program apply. Availability of award flights may be limited.

More about Qantas Points:
- You must be a member of the Qantas Frequent Flyer program to earn and redeem Points. The details on how and when you earn Qantas Points are in the Altitude Rewards and Altitude Qantas Terms and Conditions (PDF 193kb)
- For each statement cycle a points cap of 2,500 Qantas Points applies when using either or both cards. Bonus Points do not count towards the Points cap.
- The Terms and Conditions of the Qantas Frequent Flyer program also apply.
- Complimentary Qantas Frequent Flyer memberships are available on new cards for the primary cardholder for a limited time, if you are not already a member. For more details on the Qantas Frequent Flyer program see Details.
- Qantas Points are not earned on balance transfers or cash advances.
The Jetstar Any Seat Awards booking service and the Qantas Frequent Flyer Store are operated by Carlson Marketing Group (Aust) Pty Ltd trading as Carlson Leisure Travel Service. Licence No. 2TA 5778, IATA 02-3 59523.

(New - reason to believe + APPLY NOW CTA)

Why choose a Westpac credit solution?

Why choose Westpac?

Why Westpac?

We want you to get the most out of every day, your way:

Auto-pay your full balance or a smaller amount each month – it’s up to you
Manage your balance at a glance with mobile banking, linked accounts and repayment notifications

Pay it off sooner with competitive bank transfer offers and low annual fees
Live more with superior travel and lifestyle rewards points earn
Access tips and tools to empower you for life, not debt.

Apply online.

Get a response in 60 seconds.

Apply now >>

(Help)

Chat to us.

Need help? Live chat with one of our credit card experts.

Chat now >>

Call us.

1300 130 961

8.00am - 8.00pm. 7 days a week.

(T&C)

Things you should know:

You (primary cardholder) are responsible for all transactions on the primary card as well as all those made on any additional cards associated with the account
Westpac is the credit provider and credit licensee under National Consumer Credit Laws
Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card
Mobile Banking access is subject to availability and maintenance. There are no additional charges for accessing your Westpac accounts using your mobile, however your account and Online Banking fees and charges still apply. Internet data charges and call to us charges may be incurred through your mobile service provider - check with your Internet Service Provider or your mobile phone service provider for more details. Internet connection is required when using Westpac Mobile Banking. Before using Westpac Mobile Banking, you should read the terms and conditions available at request. The iPhone and Android Mobile Banking applications are only available for use by Westpac Australia customers.
Optional credit card repayment protection insurance helps cover your card repayment obligations if you lose your job, or are unfit for work due to sickness, injury, or disease. This insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS) each of which is liable for separate risks under the terms of the policy. This product is distributed by Westpac Banking Corporation ABN 33 007 457 141 (the Bank). The policy is not an investment in or deposit with the Bank. No Westpac Group company (other than the Bank as policy distributor and WGIL and WLIS as the product issuers) has any liability in connection with the policy or this document. The Bank does not guarantee payments under the policy.

V2_WPac_Tablet_Detail_55DayPlatinum

(Essentials)

55 Day Platinum Credit Card.

Straightforward credit with Platinum extras.

No annual fees. Platinum extras.

Trim costs with no annual fees. Take advantage of Platinum-level service.

$0 annual fee in first year + Platinum concierge service + extended complimentary insurance.

$0 annual fee in the first year – and $0 annual fee in subsequent years*
All the benefits of 55 Day, plus:
- Platinum concierge service
- Extended complimentary insurance.**

Tap and go – pay for everyday purchases under $100 with contactless technology
Manage your card on-the-go with mobile banking.

Interest free days.

Up to 55 days interest free on purchases – just pay the closing balance (including any balance transfer amount) by your statement due date each month

Special promotions.

0.00% p.a. for 16 months*** on balance transfers requested at new card application. Variable cash rate applies after 14 months

(Rates)

Purchases: 13.49% p.a. (variable)
Cash advances: 21.49% p.a. (variable)
Special balance transfer promotion: 0.00% p.a. for 16 months.***

(Fees)

Annual fee: $0 in the first year, and $0 in subsequent years when you spend $5,000 or more*
Foreign transaction: 3% of the Australian dollar value (incl., without limitation, ATM transactions) by use of a card issued on your account
Cash advance: 2% of each cash advance amount (incl., without limitation, internet and phone banking transactions) from your credit card account. Minimum $2.50.
Late payment: $9 applied for each late or missed payment
Card replacement: $15 per card within Australia; $52.50 per card outside of Australia; $45 per card for emergency or urgent replacements
Overlimit fee: (for cards opened before 4 June 2012) $9 once per statement period, if a transaction is made for an amount exceeding the available credit at the date the transaction is debited to your credit card
Automatic payment dishonour: $9 per dishonoured payment under the automatic payment plan
Statement copy: $4.50 for requests via phone or internet banking; $7.50 for all other requests
Extra card holder: $0

(More info)

Add 1 additional cardholder (16 years or older) at no extra cost
Minimum card limit $6,000
Recommended income to apply $30,000 p.a
Card security: embedded microchip, added online security, 24/7 fraud monitoring and CardShield^™. >link or PDF with more detail<
Fraud money back guarantee: you’ll be reimbursed for any unauthorised transactions, provided you didn't contribute to the loss and notify us promptly. >link or PDF with more detail<
24/7 Complimentary Concierge Service. Download the app from iTunes
A range of complimentary insurance*** covers including overseas travel insurance, transit accident insurance, purchase security insurance, and extended warranty insurance in accordance with your policy.

(Things you should know)

You (primary cardholder) are responsible for all transactions on the primary card as well as all those made on any additional cards associated with the account
Westpac is the credit provider and credit licensee under National Consumer Credit Laws
Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card
Mobile Banking access is subject to availability and maintenance. There are no additional charges for accessing your Westpac accounts using your mobile, however your account and Online Banking fees and charges still apply. Internet data charges and call to us charges may be incurred through your mobile service provider - check with your Internet Service Provider or your mobile phone service provider for more details. Internet connection is required when using Westpac Mobile Banking. Before using Westpac Mobile Banking, you should read the terms and conditions available at request. The iPhone and Android Mobile Banking applications are only available for use by Westpac Australia customers.
Optional credit card repayment protection insurance helps cover your card repayment obligations if you lose your job, or are unfit for work due to sickness, injury, or disease. This insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS) each of which is liable for separate risks under the terms of the policy. This product is distributed by Westpac Banking Corporation ABN 33 007 457 141 (the Bank). The policy is not an investment in or deposit with the Bank. No Westpac Group company (other than the Bank as policy distributor and WGIL and WLIS as the product issuers) has any liability in connection with the policy or this document. The Bank does not guarantee payments under the policy.
* $0 annual fee in the first year and $0 annual fee in subsequent years when you spend $5,000 or more on purchases in each 12 months from the anniversary date of the first transaction on your account. Offer available on new card applications when you apply between 12 April 2016 and 1 May 2016.
** INSURANCE FINE PRINT
*** Special balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Low Rate credit card between 12 April 2016 and 6 July 2016 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The promotional balance transfer rates for Altitude, Altitude Platinum, Altitude Black, 55 Day and 55 Day Platinum cards are available when you apply for a new credit card between 12 April 2016 and 1 May 2016 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rates will apply to 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. Card activation will trigger the processing of the balance transfer. The variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. Westpac 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). Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. The variable purchase interest rate applies to balance transfers requested at any other time. Interest free days don’t apply to balance transfers. Offer not available in conjunction with any special offers that are not listed on www.westpac.com.au.

Type Page_2

>Category page header<

Credit Cards.

>page intro<

Find the credit card to suit your needs:

View our range of credit cards or let us help you choose (link to https://www.stgeorge.com.au/personal/credit-cards/choose-credit-card)
Apply online in 5-10 minutes
Receive a response instantly

>Sub head<

Low rate credit cards.

>Intro<

Low rates + low annual fees = minimal fuss.

>Product<

Meet your new, all-round, great value card.

Vertigo credit card:

Low variable purchase rate – 13.24% p.a.
Up to 55 days interest free on purchases
Existing customer? Enjoy $0 annual fee for first year (then a low $55 p.a.)¹

>Offers<

0% p.a. for 18 months on balance transfers requested at card application²

Plus, 0.99% p.a. for up to 4 months on purchases from credit card approval³

>CTA<

Wondering what makes our Vertigo credit cards compare?

>button<

Learn more >>

>button<

New customer

Apply now >>

>button<

Existing customer

Apply now >>

>Product<

Our lowest rate credit card, with premium extras.

Vertigo Platinum credit card:

Our lowest variable purchase rate – 12.74% p.a.
Up to 55 days interest free on purchases
Existing customer? Enjoy $0 annual fee for first year (then $99 p.a.)¹

PLUS

Complimentary insurance covers⁴
24/7 Visa personal concierge service⁵

>Offer<

0% p.a. for 20 months on balance transfers requested at card application²

Plus, 0.99% p.a. for up to 4 months on purchases from card approval³

>button<

Wondering what makes our Vertigo credit cards compare?

Learn more >>

>button<

New customer

Apply now >>

>button<

Existing customer

Apply now >>

>Header<

Rewards credit cards.

>Intro<

Credit cards tailor made for your lifestyle.

>Product<

The rewarding way to shop.

Amplify credit card:

Variable purchase rate – 19.49% p.a.
Up to 55 days interest free on purchases
Existing customer? Enjoy $0 annual fee for first year (then $79 p.a.)¹
Earn points per $1 spent on eligible transactions, uncapped

PLUS

Optional complimentary Qantas Frequent Flyer membership
Earn extra points with Amplify Rewards Bonus Partners.

>Offer<

0% p.a. for 18 months on balance transfers requested at card application²

Plus, 0.99% p.a. for up to 4 months on purchases from card approval³

>Button<

Wondering what makes our Amplify credit cards compare?

Learn more >>

>button<

New customer

Apply now >>

>button<

Existing customer

Apply now >>

>Product<

Step up to platinum rewards.

Amplify Platinum credit card:

Variable purchase rate – 19.49% p.a.
55 days interest free on purchases
Existing customer? Enjoy $0 annual fee for first year (then $99 p.a.)¹
Earn points per $1 spent on eligible transactions, uncapped

PLUS

All the benefits of our Amplify credit card
Double points on international spend
Complimentary insurance covers⁴
24/7 Visa personal concierge service⁵

>offer<

0% p.a. for 18 months on balance transfers requested at card application²

Plus, 0.99% p.a. for up to 4 months on purchases from card approval³

>Button<

Wondering what makes our Amplify credit cards compare?

Learn more >>

>button<

New customer

Apply now >>

>button<

Existing customer

Apply now >>

>Product<

A rewards program that’s at your level.

Amplify Signature credit card:

Variable purchase rate – 19.49% p.a.
Up to 55 days interest free on purchases
Existing customer? Enjoy $0 annual fee for first year (then $279 p.a.)¹
Earn points per $1 spent on eligible transactions, uncapped

PLUS

All the benefits of our Amplify Platinum credit card
Our highest points earn rate, uncapped
A birthday bonus of 10% of points earned⁶
2 optional complimentary airport lounge passes per year⁷

>Offer<

0% p.a. for 20 months on balance transfers requested at card application²

Plus, 0.99% p.a. for up to 4 months on purchases from card approval³

>Button<

Wondering what makes our Amplify credit cards compare?

Learn more >>

>button<

New customer

Apply now >>

>button<

Existing customer

Apply now >>

>Header<

No Annual Fee Card.

>Intro<

All the convenience of a credit card, no annual fee.

>Product<

Forget annual fees – for good.

No Annual Fee credit card:

$0 annual fee for life of your credit card
Variable purchase interest rate – 20.49% p.a.
Enjoy up to 55 days interest free on purchases.

>Offer<

0% p.a. for 12 months on balance transfers requested at card application²

Plus, 0.99% p.a. for up to 4 months on purchases from card approval³

>Button<

Wondering what makes our No Annual Fee credit card compare?

Learn more >>

>Button<

New customer

Apply now >>

>Button<

Existing customer

Apply now >>

>Benefits box<

(Existing customer)

Secure 5 minute application form.

Apply quickly and securely from any device. Because forms shouldn’t be complicated.

(New customer)

Secure 10 minute application form.

Apply quickly and securely from any device. Because forms shouldn’t be complicated.

Access your funds, fast.

With fingerprint ID login, Visa payWave contactless transactions and mobile banking on-the-go.

Get help when you need it most.

Got a question that needs answering now? Live chat with one of our credit card experts 24/7.

Get on top of your repayments.

Enjoy up to 55 days interest free on purchases, when you pay the closing balance of your statement in full by the due date.

Shop. Travel. Be rewarded.

Choose benefits to complement your lifestyle with our exclusive Rewards programs.

(New / switch customer)

Switch and get ahead.

Balance transfers to new cards pay no interest for up to 20 months². Rate then switches to the variable purchase rate.

(Existing customer)

Pay no annual fee for the first year.

As a valued customer, you’ll pay $0 annual fee for the first year of your new credit card¹.

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.

1. $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 St.George customers 'Apply now’ button on this page between 13 January 2016 and 30 March 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, or any bonus points offer. The first annual fee will be debited on the 12 month anniversary of the first

2. The promotional balance transfer rate is available when you apply for a new credit card between 13 January 2016 and 30 March 2016 and request an 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. The balance transfer rate is not available in conjunction with any other promotion unless specified. 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, will apply to balance(s) transferred but left unpaid after 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 introductory rate of 0.99% p.a. on purchases is available when you apply for a new St. George Vertigo, Vertigo Platinum, Amplify, Amplify Platinum, Amplify Signature or No Annual Fee credit card between 31 March 2016 and 23 June 2016. The introductory rate will be applied from card approval and expires 4 months after the date of card approval. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard variable purchase rate then applicable to your card account. The introductory purchase rate is not available in conjunction with any promotion other than the special balance transfer promotion available at card application. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

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. Visa Platinum/ Visa Signature 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.

6. Birthday bonus is calculated over a period of 12 months, on the number of Amplify Points or Qantas Points (excluding bonus points) as applicable, earned on Amplify Signature Card purchases from the day of the Account Owner’s birthday to the day prior to the Account Owner’s birthday, other than the first Birthday bonus which will be calculated from the day of Card approval to the day prior to the Account Owner’s birthday. The Amplify Signature Card Account Owner will receive ten percent of the points earned during the Birthday bonus calculation period which will be credited to the Amplify Rewards or Qantas Frequent Flyer Membership Account as applicable, within 4 weeks of the Account Owner’s birthday. For Joint accounts the first listed Account Owner’s birthday is used for the calculation. The Birthday bonus can be accessed by all Account Owners.

7. Amplify Rewards and Amplify Qantas each offer airport lounge passes. Cardholders are only eligible for lounge passes offered for their selected rewards program and conditions apply. Lounge passes are subject to expiry. Priority Pass is offered to Amplify Rewards Cardholders, who must enrol via stgeorge.com.au/amplifysignature. For full details visit prioritypass.com/Conditions-of-use.cfm. Qantas Club Lounge Invitations is offered to Qantas Rewards Cardholders who must enrol via stgeorge.com.au/amplifysignature. Access and use is subject to Qantas Club Rules. For full terms and conditions visit qantas.com/qantasclub and some exclusions apply.

Existing Customer Product Page_2

EXISTING CUSTOMER.

Low rate credit cards.

Vertigo credit card.

>banner copy<

Save $55 with $0 annual fee for the first year¹.

>Lead benefit/intro copy<

Meet your new, all-round, great value card.

>CTA<

Apply online and get an instant response.

Our secure application form can be completed on any device.

Apply Now >>

>Features/benefits<

Why choose a Vertigo credit card?

The card for great value
Enjoy seriously low rates
0.99% p.a. for up to 4 months on purchases from card approval²

Up to 55 days interest free on purchases
$0 annual fee for the first year ($55 p.a. for subsequent years)¹
Pay 0% p.a. for 18 months on balance transfers requested at card application³
One in two of our credit card customers choose Vertigo⁴

>Fees<

$0 annual fee for first year (then $55 p.a.)¹
Foreign transaction: 3% of the Australian dollar value (incl., without limitation, ATM transactions) by use of a card issued on your account
Cash advance: 2% of each cash advance amount (incl., without limitation, internet and phone banking transactions) from your credit card account. Minimum $2.50.
Late payment: $9 applied for each late or missed payment
Card replacement: $15 per card within Australia; $52.50 per card outside of Australia; $45 per card for emergency or urgent replacements
Overlimit fee: (for cards opened before 4 June 2012) $9 once per statement period, if a transaction is made for an amount exceeding the available credit at the date the transaction is debited to your credit card
Automatic payment dishonour: $9 per dishonoured payment under the automatic payment plan
Statement copy: $4.50 for requests via phone or internet banking; $7.50 for all other requests
Extra card holder: $0

>Rates<

0.99% p.a. for up to 4 months on purchases from card approval⁴

13.24% p.a. variable purchase rate

21.49% p.a. variable cash advance rate

>offer<

Balance transfer limited offer:

0% p.a. for 18 months on balance transfers requested at card application. Rate then switches to the variable purchase rate².

0.99% p.a. for up to 4 months on purchases from card approval⁴.

>Steps<

Get started:

Step 1: Apply online in 5 minutes.

Step 2: Get an instant response.

Apply Now >>

>Before you start<

What you’ll need:

Proof of income & employment
Information about your current financial commitments.

>CTA<

Apply online and get an instant response.

Our secure application form can be completed on any device.

Apply Now >>

>Other ways to apply<

You can also apply for your new credit card over the phone or in person.

Speak to our expert customer service team. 13 33 30
Visit a branch. Find your nearest branch now.

>Support<

Still thinking?

Compare with our credit card selector tool kit:

Find the right card for you
Compare credit cards
Balance Transfer Calculator

Important information

Conditions, fees and credit criteria apply.
This card is issues as a Visa card.

View 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. If you need help, call 13 33 30.

Important information

Conditions, fees and credit criteria apply.

This card is issued as a Visa card.

View the terms and conditions:

Please refer to your Internet Banking, Mobile Banking or your monthly credit card statement for your current interest rates.

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this information, please consider if it's right for you.

1. The introductory rate of 0.99% p.a. on purchases is available when you apply for a new St. George Vertigo credit card between 31 March 2016 and 23 June 2016. The introductory rate will be applied from card approval and expires 4 months after the date of card approval. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard variable purchase rate then applicable to your card account. The introductory purchase rate is not available in conjunction with any promotion other than the special balance transfer promotion available at card application. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

2. $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 St.George customers 'Apply now’ button on this page between 31 March 2016 and 23 June 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, 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.

3. The promotional balance transfer rate is available when you apply for a new St.George Vertigo Platinum card between 31 March 2016 and 23 June 2016 and request at application to transfer balance(s) from up to 4 non-St.George, BankSA and Bank of Melbourne, Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for 20 months, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The variable purchase rate (currently 13.24% p.a.) will apply to balance(s) transferred but left unpaid at the end of the promotional period. 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). Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. Promotional rate not available in conjunction with any other promotion other than the purchase rate promotion available at card approval. The variable purchase rate applies to balance transfers requested at any other time. Interest free days don't apply to balance transfers.

4. STATISTIC

Vertigo Platinum credit card.

>banner copy<

Save $99 with $0 annual fee for the first year¹.

>Lead benefit/intro copy<

Our lowest rate credit card that gives you more.

>CTA<

Apply online and get an instant response.

Our secure application form can be completed on any device.

Apply Now >>

>Features/Benefits<

Why choose a Vertigo Platinum credit card?

Enjoy our lowest rate on purchases
0.99% p.a. for up to 4 months on purchases from card approval²

Up to 55 days interest free on purchases
$0 annual fee for the first ($99 p.a. for subsequent years)¹
0% p.a. for 20 months on balance transfers requested at card application³
Over a quarter of our customers choose Vertigo Platinum⁴

Plus:

Access a range of complimentary insurance covers, including overseas travel insurance and extended warranty on purchases⁵
24/7 Visa personal concierge service⁶.

>Fees<

$0 annual fee for first year (then $99 p.a.)²
Foreign transaction: 3% of the Australian dollar value (incl., without limitation, ATM transactions) by use of a card issued on your account
Cash advance: 2% of each cash advance amount (incl., without limitation, internet and phone banking transactions) from your credit card account. Minimum $2.50.
Late payment: $9 applied for each late or missed payment
Card replacement: $15 per card within Australia; $52.50 per card outside of Australia; $45 per card for emergency or urgent replacements
Overlimit fee: (for cards opened before 4 June 2012) $9 once per statement period, if a transaction is made for an amount exceeding the available credit at the date the transaction is debited to your credit card
Automatic payment dishonour: $9 per dishonoured payment under the automatic payment plan
Statement copy: $4.50 for requests via phone or internet banking; $7.50 for all other requests
Extra card holder: $0

>Rates<

0.99% p.a. for up to 4 months on purchases from card approval¹

Then, just 12.74% p.a. variable purchase rate

21.49% p.a. variable cash advance rate

>Offer<

Balance transfer limited offer:

0% interest for 20 months on balance transfers requested at card application. Rate then switches to the variable purchase rate³.

0.99% p.a. for up to 4 months on purchases from card approval¹.

>Steps<

Get started:

Step 1: Apply online in 5 minutes.

Step 2: Get an instant response.

>Before you start<

What you’ll need:

Proof of income & employment
Information about your current financial commitments.

>CTA<

Apply online in 5 minutes and get an instant response.

Our secure application form can be completed on any device.

Apply Now >>

>Other ways to apply<

You can also apply for your new credit card over the phone or in person.

Speak to our expert customer service team. 13 33 30
Visit a branch. Find your nearest branch now.

>Support<

Still thinking?

Compare with our credit card selector tool kit:

Find the right card for you
Compare credit cards
Balance Transfer Calculator

Important information

Conditions, fees and credit criteria apply.

This card is issued as a Visa card.

View the terms and conditions:

Please refer to your Internet Banking, Mobile Banking or your monthly credit card statement for your current interest rates.

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this information, please consider if it's right for you.

1. $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 St.George customers 'Apply now’ button on this page between 31 March 2016 and 23 June 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, 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.

2. The introductory rate of 0.99% p.a. on purchases is available when you apply for a new St. George Vertigo Platinum credit card between 31 March 2016 and 23 June 2016. The introductory rate will be applied from card approval and expires 4 months after the date of card approval. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard variable purchase rate then applicable to your card account. The introductory purchase rate is not available in conjunction with any promotion other than the special balance transfer promotion available at card application. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

3. The promotional balance transfer rate is available when you apply for a new St.George Vertigo Platinum card between 31 March 2016 and 23 June 2016 and request at application to transfer balance(s) from up to 4 non-St.George, BankSA and Bank of Melbourne, Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for 20 months, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The variable purchase rate (currently 13.24% p.a.) will apply to balance(s) transferred but left unpaid at the end of the promotional period. 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). Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. Promotional rate not available in conjunction with any other promotion other than the purchase rate promotion available at card approval. The variable purchase rate applies to balance transfers requested at any other time. Interest free days don't apply to balance transfers.

4. STATISTIC

5. 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.

6. 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.

Rewards credit cards.

Amplify credit card.

>banner copy<

Shop with your credit card and be rewarded.

>Lead benefit/intro copy<

Your perfect shopping companion.

>CTA<

Apply online and get an instant response.

Our secure application form can be completed on any device.

Apply Now >>

>Features/Benefits<

Why choose an Amplify credit card?

Reward yourself with more choice
$0 annual fee for first year ($79 p.a. for subsequent years)¹
Up to 55 days interest free on purchases
Choose between 2 great rewards programs - Amplify Rewards or Amplify Qantas

Plus:

Earn unlimited points on eligible transactions
Complimentary Qantas Frequent Flyer membership when you choose Amplify Qantas²
Earn bonus points with Amplify Rewards Bonus Partners³

>Fees<

$0 annual fee for first year (then $79 p.a.)¹
Foreign transaction: 3% of the Australian dollar value (incl., without limitation, ATM transactions) by use of a card issued on your account
Cash advance: 2% of each cash advance amount (incl., without limitation, internet and phone banking transactions) from your credit card account. Minimum $2.50.
Late payment: $9 applied for each late or missed payment
Card replacement: $15 per card within Australia; $52.50 per card outside of Australia; $45 per card for emergency or urgent replacements
Overlimit fee: (for cards opened before 4 June 2012) $9 once per statement period, if a transaction is made for an amount exceeding the available credit at the date the transaction is debited to your credit card
Automatic payment dishonour: $9 per dishonoured payment under the automatic payment plan
Statement copy: $4.50 for requests via phone or internet banking; $7.50 for all other requests
Extra card holder: $0

>Rates<

0.99% p.a. for up to 4 months on purchases from card approval⁴

19.49% p.a. variable purchase rate

20.24% p.a. variable cash advance rate

>Rewards<

Amplify Rewards

$1 = 1 Amplify point⁵ earned on purchases
Earn bonus Amplify Points with Amplify Rewards Bonus Partners³
Redeem points for:
- A wide range of categories incl. Appliances, gift cards, charitable donations, entertainment and more
- Domestic and international flights on a variety of major airlines, as well as accommodation, holiday packages and car hire through Amplify Travel²
- Airline points or miles through Virgin Australia’s Velocity program, Malaysia Airlines’ Enrich program and Singapore Airlines’ KrisFlyer program⁶.

Qantas Rewards

$1 = 0.5 Qantas point⁷ earned on purchases
Double your Qantas Points with Qantas Frequent Flyer partners (once on your credit card, and once with the program partner⁷)
Optional complimentary Qantas Frequent Flyer membership (if you’re not already a member)²
Redeem points for:
- Classic Award flights on Qantas and 35 partner airlines⁸
- Qantas and Jetstar Any Seat Award Flights⁹
- Flight Upgrade Awards on eligible Qantas flights (when available)
- Over 3,000 products, experiences and vouchers from the online Qantas Store¹⁰.

>offer<

Balance transfer limited offer:

0% interest for 18 months on balance transfers requested at card application. Rate then switches to the variable purchase rate¹¹.

0.99% p.a. for up to 4 months on purchases from card approval⁴.

>Steps<

Get started:

Step 1: Apply online in 5 minutes.

Step 2: Get an instant response.

>Before you start<

What you’ll need:

Proof of income & employment
Information about your current financial commitments.

>CTA<

Apply online in 5 minutes and get an instant response.

Our secure application form can be completed on any device.

Apply Now >>

>Other ways to apply<

You can also apply for your new credit card over the phone or in person.

Speak to our expert customer service team. 13 33 30
Visit a branch. Find your nearest branch now.

>Support<

Still thinking?

Compare with our credit card selector tool kit:

Find the right card for you
Compare credit cards
Balance Transfer Calculator

Important information

This card is issued as a Visa card.

Conditions, fees and credit criteria apply.

View the terms and conditions

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.

1. $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 St.George customers 'Apply now’ button on this page between 31 March 2016 and 23 June 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, 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.

2. Amplify Travel gives you access to most major domestic and international airlines within and from Australia and their connecting partner airlines. As with booking through a travel agent, in certain circumstances seats may not be available on the airline or flight of your choice at the time you wish to travel. Terms and conditions apply. For further details call Amplify Travel on 1300 489 586.

3. Bonus Amplify Points are earned on purchases made at participating Bonus Partner outlets and are listed at amplify.stgeorge.com.au.

4. The introductory rate of 0.99% p.a. on purchases is available when you apply for a new St. George Amplify credit card between 31 March 2016 and 23 June 2016. The introductory rate will be applied from card approval and expires 4 months after the date of card approval. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard variable purchase rate then applicable to your card account. The introductory purchase rate is not available in conjunction with any promotion other than the special balance transfer promotion available at card application. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

5. Earn Amplify Points through the use of an Amplify Signature Card as set out in the Amplify Rewards Terms and Conditions. Points are not earned on cash advances and balance transfers or in other specified circumstances. Minimum 3,000 Amplify Points is needed to redeem for any reward. Specific conditions may apply to the redemption of particular rewards. Refer to amplify.stgeorge.com.au.

6. You must be a member of the relevant airline points or miles program to redeem Amplify Points for airline points or miles. To redeem, at least 3,000 Amplify Points are needed with additional increments in multiples of 500 Amplify Points at a time for airline points or miles. Award flights are subject to capacity controls and availability is limited. The terms and conditions of the relevant airline points or miles program apply.

7. Earn Qantas Points as set out in the Amplify Rewards and Amplify Qantas Terms and Conditions. Qantas Points are not earned on cash advances and balance transfers or in other specified circumstances. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program. A joining fee usually applies, but for a limited time St George has arranged for this to be waived for new Amplify cardholders who are not already members and who choose to link their card to Amplify Qantas (limit of one complimentary membership per new account). For more information on the Qantas Frequent Flyer program visit qantas.com/frequentflyer or call 13 11 31.

8. Classic Award flights on Qantas and 35 partner airlines. Additional charges and taxes payable with Qantas Points or money on Classic Award flights at the time of booking. The number of Qantas & Partner Classic Award seats available varies and depends on the flight date, season and destination. Some flights may not have any Classic Award seats available. The seats made available for Classic Awards on Qantas flights may also be obtained through the Qantas Any Seat Award booking process (although Qantas Points required are usually higher, and include surcharges, fees and taxes). Different conditions apply to Any Seat Awards. Members can still choose to obtain those seats as Classic Awards in a separate booking.

9. Qantas and Jetstar Any Seat Awards are available on any flight with a QF or JQ number. As long as there is a seat available for sale, you can book a Qantas or Jetstar Any Seat Award. The points required for these seats are variable and are only valid when quoted. There is no fixed relationship between the cash price charged by the applicable airline for a seat and the points required to redeem on Any Seat Award through Qantas Frequent Flyer. Not all special promotional fares are available as Any Seat Awards.

10. Store products are for delivery in Australia and New Zealand only (and different products are available in each delivery location). Redemption of points through the online store is subject to terms and conditions (including store terms of use and voucher terms and conditions). See qantas.com/store for details.

11. 0% p.a. for 18 months on balance transfers requested at card application: The promotional balance transfer rate is available when you apply for a new St.George Amplify card between 31 March 2016 and 23 June 2016 and request at application to transfer balance(s) from up to 4 non-St.George, BankSA and Bank of Melbourne, Australian issued credit, charge or store cards.. The rate will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for 18 months, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The variable purchase rate (currently 13.24% p.a.) will apply to balance(s) transferred but left unpaid at the end of the promotional period. 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). Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. Promotional rate not available in conjunction with any other promotion other than the purchase rate promotion available at card approval. The variable purchase rate applies to balance transfers requested at any other time. Interest free days don't apply to balance transfers.

Amplify Platinum credit card

>banner copy<

Step up to platinum rewards.

>Lead benefit/intro copy<

Next level rewards made for your lifestyle.

>CTA<

Apply online and get an instant response.

Our secure application form can be completed on any device.

Apply Now >>

>Features/benefits<

Why choose an Amplify Platinum credit card?

Fly high with our luxury rewards program
Earn double points on international spend
$0 annual fee for the first year ($99 p.a. for subsequent years)¹
Up to 55 days interest free on purchases
Choose between 2 great rewards programs - Amplify Rewards or Amplify Qantas

Earn unlimited points on eligible transactions
Complimentary Qantas Frequent Flyer membership when you choose Amplify Qantas²
Earn bonus points with Amplify Rewards Bonus Partners³

Plus:

Access a range of complimentary insurance covers, including overseas travel insurance and extended warranty on purchases⁴
Access our 24/7 Visa personal concierge service⁵

>Fees<

$0 annual fee for the first year ($99 p.a. for subsequent years)¹
Foreign transaction: 3% of the Australian dollar value (incl., without limitation, ATM transactions) by use of a card issued on your account
Cash advance: 2% of each cash advance amount (incl., without limitation, internet and phone banking transactions) from your credit card account. Minimum $2.50.
Late payment: $9 applied for each late or missed payment
Card replacement: $15 per card within Australia; $52.50 per card outside of Australia; $45 per card for emergency or urgent replacements
Overlimit fee: (for cards opened before 4 June 2012) $9 once per statement period, if a transaction is made for an amount exceeding the available credit at the date the transaction is debited to your credit card
Automatic payment dishonour: $9 per dishonoured payment under the automatic payment plan
Statement copy: $4.50 for requests via phone or internet banking; $7.50 for all other requests
Additional cardholder: $0

>Rates<

0.99% p.a. for up to 4 months on purchases from card approval⁶

19.49% p.a. variable purchase rate

20.24% p.a. variable cash advance rate

>Rewards<

Amplify Rewards

$1 = 1 Amplify point⁷ earned on purchases, uncapped, at Australian merchants
$1 = 2 Amplify points⁷ earned on purchases, uncapped, at overseas merchants
Earn bonus Amplify Points with Amplify Rewards Bonus Partners³
Redeem points for:
- A wide range of categories incl. Appliances, gift cards, charitable donations, entertainment and more
- Homewares and technology incl. Apple, Sony, Bose, Dyson, Kitchenaid and Dyson products
- Domestic and international flights on a variety of major airlines, as well as accommodation, holiday packages and car hire through Amplify Travel²
- Airline points or miles through Virgin Australia’s Velocity program, Malaysia Airlines’ Enrich program and Singapore Airlines’ KrisFlyer program⁸.

Qantas Rewards

$1 = 0.5 Qantas point⁹ earned on purchases, uncapped, at Australian merchants
$1 = 1 Qantas point⁹ earned on purchases, uncapped, at overseas merchants
Double your Qantas Points with Qantas Frequent Flyer partners (once on your credit card, and once with the program partner⁹)
Optional complimentary Qantas Frequent Flyer membership (if you’re not already a member)²
Redeem points for:
- Classic Award flights on Qantas and 35 partner airlines¹⁰
- Qantas and Jetstar Any Seat Award Flights¹¹
- Flight Upgrade Awards on eligible Qantas flights (when available)
- Over 3,000 products, experiences and vouchers from the online Qantas Store¹².

>offer<

Balance transfer limited offer:

0% interest for 18 months on balance transfers requested at card application. Rate then switches to the variable purchase rate¹³.

0.99% p.a. for up to 4 months on purchases from card approval⁶.

>Steps<

Get started:

Step 1: Apply online in 5 minutes.

Step 2: Get an instant response.

>Before you start<

What you’ll need:

Proof of income & employment
Information about your current financial commitments.

>CTA<

Apply online in 5 minutes and get an instant response.

Our secure application form can be completed on any device.

Apply Now >>

>Other ways to apply<

You can also apply for your new credit card over the phone or in person.

Speak to our expert customer service team. 13 33 30
Visit a branch. Find your nearest branch now.

>Support<

Still thinking?

Compare with our credit card selector tool kit:

Find the right card for you
Compare credit cards
Balance Transfer Calculator

Important information

This card is issued as a Visa card.

Conditions, fees and credit criteria apply.

View the terms and conditions

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.

1. $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 St.George customers 'Apply now’ button on this page between 31 March 2016 and 23 June 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, 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.

2. Amplify Travel gives you access to most major domestic and international airlines within and from Australia and their connecting partner airlines. As with booking through a travel agent, in certain circumstances seats may not be available on the airline or flight of your choice at the time you wish to travel. Terms and conditions apply. For further details call Amplify Travel on 1300 489 586.

3. Bonus Amplify Points are earned on purchases made at participating Bonus Partner outlets and are listed at amplify.stgeorge.com.au.

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 1300 851 324 or download the Credit Card Complimentary Insurance Terms and Conditions.

5. Visa Platinum/ Visa Signature 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.

6. The introductory rate of 0.99% p.a. on purchases is available when you apply for a new St. George Amplify Platinum credit card between 31 March 2016 and 23 June 2016. The introductory rate will be applied from card approval and expires 4 months after the date of card approval. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard variable purchase rate then applicable to your card account. The introductory purchase rate is not available in conjunction with any promotion other than the special balance transfer promotion available at card application. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

7. Earn Amplify Points through the use of an Amplify Signature Card as set out in the Amplify Rewards Terms and Conditions. Points are not earned on cash advances and balance transfers or in other specified circumstances. Minimum 3,000 Amplify Points is needed to redeem for any reward. Specific conditions may apply to the redemption of particular rewards. Refer to amplify.stgeorge.com.au.

8. You must be a member of the relevant airline points or miles program to redeem Amplify Points for airline points or miles. To redeem, at least 3,000 Amplify Points are needed with additional increments in multiples of 500 Amplify Points at a time for airline points or miles. Award flights are subject to capacity controls and availability is limited. The terms and conditions of the relevant airline points or miles program apply.

9. Earn Qantas Points as set out in the Amplify Rewards and Amplify Qantas Terms and Conditions. Qantas Points are not earned on cash advances and balance transfers or in other specified circumstances. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program. A joining fee usually applies, but for a limited time St George has arranged for this to be waived for new Amplify cardholders who are not already members and who choose to link their card to Amplify Qantas (limit of one complimentary membership per new account). For more information on the Qantas Frequent Flyer program visit qantas.com/frequentflyer or call 13 11 31.

10. Classic Award flights on Qantas and 35 partner airlines. Additional charges and taxes payable with Qantas Points or money on Classic Award flights at the time of booking. The number of Qantas & Partner Classic Award seats available varies and depends on the flight date, season and destination. Some flights may not have any Classic Award seats available. The seats made available for Classic Awards on Qantas flights may also be obtained through the Qantas Any Seat Award booking process (although Qantas Points required are usually higher, and include surcharges, fees and taxes). Different conditions apply to Any Seat Awards. Members can still choose to obtain those seats as Classic Awards in a separate booking.

11. Qantas and Jetstar Any Seat Awards are available on any flight with a QF or JQ number. As long as there is a seat available for sale, you can book a Qantas or Jetstar Any Seat Award. The points required for these seats are variable and are only valid when quoted. There is no fixed relationship between the cash price charged by the applicable airline for a seat and the points required to redeem on Any Seat Award through Qantas Frequent Flyer. Not all special promotional fares are available as Any Seat Awards.

12. Store products are for delivery in Australia and New Zealand only (and different products are available in each delivery location). Redemption of points through the online store is subject to terms and conditions (including store terms of use and voucher terms and conditions). See qantas.com/store for details.

13. 0% p.a. for 18 months on balance transfers requested at card application: The promotional balance transfer rate is available when you apply for a new St.George Amplify Platinum card between 31 March 2016 and 23 June 2016 and request at application to transfer balance(s) from up to 4 non-St.George, BankSA and Bank of Melbourne, Australian issued credit, charge or store cards.. The rate will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for 18 months, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The variable purchase rate (currently 13.24% p.a.) will apply to balance(s) transferred but left unpaid at the end of the promotional period. 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). Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. Promotional rate not available in conjunction with any other promotion other than the purchase rate promotion available at card approval. The variable purchase rate applies to balance transfers requested at any other time. Interest free days don't apply to balance transfers.

Amplify Signature credit card.

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A rewards program that’s at your level.

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Get there faster with our highest points earn rate.

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Apply online and get an instant response.

Our secure application form can be completed on any device.

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>Features/benefits<

Why choose an Amplify Signature credit card?

Expect the best with our top shelf rewards program
Our highest points earn rate, uncapped
Up to 55 days interest free on purchases
$0 annual fee for the first year ($279 p.a. for subsequent years)¹
Choose between 2 great rewards programs - Amplify Rewards or Amplify Qantas

Complimentary Qantas Frequent Flyer membership when you choose Amplify Qantas²
Earn bonus points with Amplify Rewards Bonus Partners³

Access a range of complimentary insurance covers, including overseas travel insurance and extended warranty on purchases⁴
Access our 24/7 Visa personal concierge service⁵

Plus:

A birthday bonus of 10% of points earned⁶
2 complimentary airport lounge passes per year⁷
Great hotel benefits as an automatic Visa Luxury Hotel Collection⁸ member

>Fees<

$0 annual fee for the first year (then $279 p.a.)¹
Foreign transaction: 3% of the Australian dollar value (incl., without limitation, ATM transactions) by use of a card issued on your account
Cash advance: 2% of each cash advance amount (incl., without limitation, internet and phone banking transactions) from your credit card account. Minimum $2.50.
Late payment: $9 applied for each late or missed payment
Card replacement: $15 per card within Australia; $52.50 per card outside of Australia; $45 per card for emergency or urgent replacements
Overlimit fee: (for cards opened before 4 June 2012) $9 once per statement period, if a transaction is made for an amount exceeding the available credit at the date the transaction is debited to your credit card
Automatic payment dishonour: $9 per dishonoured payment under the automatic payment plan
Statement copy: $4.50 for requests via phone or internet banking; $7.50 for all other requests
Additional cardholder: $0⁹

>Rates<

0.99% p.a. for up to 4 months on purchases from card approval¹⁰

19.49% p.a. variable purchase rate

20.24% variable cash advance rate

>Rewards<

Receive birthday bonus points: 10% of points earned in last 12 months⁶
Great hotel benefits as an automatic Visa Luxury Hotel Collection⁸ member:
Best available rate guarantee
Automatic room upgrade upon arrival
3pm checkout (when available)
Complimentary continental breakfast
Free in-room Internet access
US$25 food or beverage voucher
VIP guest status

Amplify Rewards

$1 = 1.5 Amplify points¹¹ earned on purchases, uncapped, at Australian merchants
$1 = 3 Amplify points¹¹ earned on purchases, uncapped, at overseas merchants
Earn bonus Amplify Points with Amplify Rewards Bonus Partners³
2 Priority Pass lounge visits per year¹²
Redeem points for:
- A wide range of categories incl. Appliances, gift cards, charitable donations, entertainment and more
- Homewares and technology incl. Apple, Sony, Bose, Dyson, Kitchenaid and Dyson products
- domestic and international flights on a variety of major airlines, as well as accommodation, holiday packages and car hire through Amplify Travel³
- Airline points or miles through Virgin Australia’s Velocity program, Malaysia Airlines’ Enrich program and Singapore Airlines’ KrisFlyer program¹³.

Qantas Rewards

$1 = 0.7 Qantas points¹⁴ earned on purchases, uncapped, at Australian merchants
$1 = 1.5 Qantas points¹⁴ earned on purchases, uncapped, at overseas merchants
Double your Qantas Points with Qantas Frequent Flyer partners (once on your credit card, and once with the program partner¹⁴)
Optional complimentary Qantas Frequent Flyer membership (if you’re not already a member)²
2 complimentary Qantas Lounge visits per year¹⁵
Redeem points for:
- Classic Award flights on Qantas and 35 partner airlines¹⁶
- Qantas and Jetstar Any Seat Award Flights¹⁷
- Flight Upgrade Awards on eligible Qantas flights (when available)
- Over 3,000 products, experiences and vouchers from the online Qantas Store¹⁸.

>offer<

Balance transfer limited offer:

0% interest for 20 months on balance transfers requested at card application. Rate then switches to the variable purchase rate¹⁹.

0.99% p.a. for up to 4 months on purchases from card approval¹⁰.

>Steps<

Get started:

Step 1: Apply online in 5 minutes.

Step 2: Get an instant response.

>Before you start<

What you’ll need:

Proof of income & employment
Information about your current financial commitments.

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Apply online in 5 minutes and get an instant response.

Our secure application form can be completed on any device.

Apply Now >>

>Other ways to apply<

You can also apply for your new credit card over the phone or in person.

Speak to our expert customer service team. 13 33 30
Visit a branch. Find your nearest branch now.

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