FEATURES SUMMARY

• Annual Fee: $89
• Purchase rate: 15.74% p.a.
• Cash Advance rate: 21.24% p.a.
• Balance Transfer rate: 3.99% p.a. first 6 months
• Interest-free days: Up to 55 days
• Extras:
  • Apply online
  • Phone/internet banking

• • St George Instant Benefits
  • Minimum credit limit $8,000
  • Personal concierge service
  • Complimentary travel insurance
  • Purchase protection insurance
  • Transit accident insurance
  • Extended warranty insurance

While at the higher end of the scale, this card outshines a lot of other credit cards due to the fact that it comes with all the usual benefits of a platinum card all the while maintaining a low interest rate.

These standard platinum credit card benefits include purchase protection, international travel, transit accident and extended warranty insurance, so you’re covered for pretty much anything you might use your card for.

But on top of that you’ll also get access to St George’s Instant Benefits program. This program tops a lot of other rewards programs as its rewards are instant in a wide variety of retailers throughout Australia so you don’t have to spend thousands and thousands of dollars just to get a voucher once a year.

Usually with platinum cards you’re stung with higher fees to compensate for all the benefits you receive, but this is not the case with this credit card. With a low purchase rate of 15.74% p.a.*, up to 55 days interest free* and 3.99% p.a. on balance transfers for the first 6 months*, the savings available are surprisingly good.

At $89 its annual fee is one of the best around for a platinum card, and is only $10 more expensive than that of the ANZ Balance Visa which has only a rewards program to make it comparable to the St George Platinum credit card.

The range of benefits and affordability of this platinum credit card means that so many more people have access to a high end credit card with great benefits, without being stung by huge fees and credit card rates. For these reasons and it’s many features, it receives the #2 spot in the Editor’s Choice – Platinum Credit Cards category.

See all our top credit card picks in the Editor’s Choice category

FEATURES SUMMARY

• Annual fee: $55
• Purchase rate: 12.49% p.a.
• Cash Advance rate: 21.24% p.a.
• Balance Transfer rate: 2.99% p.a.first 6 months
• Interest-free days: Up to 55

• Extras:
  • Apply online
  • Fraud Protection
  • Phone/internet banking
  • St George Instant Benefits

The St George Vertigo MasterCard is one of The Credit Card Guide’s most highly recommended credit cards as it takes out top 3 spots in five different categories, including 2nd place in the Editor’s Choice category – Overall.

Another card with a low 12.49% p.a.* on purchases, the St George Vertigo MasterCard is cracking the whip on some of the other big name banks. It does however have a cash advance rate of 21.24% p.a.*, but that can be avoided if it’s a real issue.

It comes with up to 55 days interest free* on purchases and a balance transfer rate of just 2.99%* p.a. for the first 6 months. The annual fee of $55 is fairly average for this kind of card so is not really a deciding factor.

While this low interest credit card would be beneficial for pretty much everyone, it would be most beneficial for those in NSW and South Australia as there are more branches and ATM’s (including Bank SA’s which are owned by St George), so you’d be less likely to be stuck using another bank’s ATM.

This card also has a bucket load of rewards benefits available for cardholders thanks to the St George Instant Benefits program. Unlike other banks’ rewards programs, you don’t have to accumulate points in order to reap the benefits of using your card. Instead you are rewarded instantly with instant discounts and other benefits from a huge range of retail, lifestyle, entertainment and travel partners.

For a limited time, new St.George Vertigo MasterCard applications come with a low purchase rate of 12.49% p.a. The current cash advance rate is 21.24% p.a. variable. The balance transfer rate remains at 2.99% p.a. for the first 6 months.

The current cash advance rate is 21.24% p.a. variable

See all our top credit card picks in the Editor’s Choice category

This card is on the cusp of being a standard interest credit card, only just making the cut with a purchase rate of 14.99% p.a. This is further reinforced by the cash advance rate which sits at a whopping 20.49% p.a.

Balance transfers however, are available at just 4.99% p.a. for the first 6 months and as a refreshing change, this rate only increases to the purchase rate rather than the cash advance rate (as most other credit card rates do after the introductory period is over).

Benefits of this card include price protection cover and purchase protection. So if you have made a purchase on your credit card and you see the same product offered cheaper a week later, you’ll get paid the difference by GE. Or if your credit card purchase is accidentally lost, broken or gets stolen then you’ll be covered for that too.

At just $58 it is a card that sits in the middle of the range in terms of its annual fees. It includes up to 55 interest free days on purchases, however it should be noted that these do not come into effect until all balance transfers have been paid.

While this is a good credit card overall, and the lowest interest rates of all the GE Money credit cards, it’s not quite good enough to compete with all the other cheaper, low interest rate credit cards out there.

See our top credit card picks in the Editor’s Choice category