St. George Bank
Business Vantage
A low interest rate on purchases to help manage your business cash flow
Credit cardsBank updated 25 May 2026
At a glance
- Purchase rate
- 9.99%
- Cash advance
- 17.15%
- Interest-free days
- 55
- Annual fee
- $55
- Foreign transaction fee
- 3.00%
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advanceCash advances | — | — | — | 17.15% | — | Applied to any amount of 'cash' withdrawn from account. (includes physical cash and transfer from account) |
| PurchasePurchase Rate | — | — | — | 9.99% | — | Charged to purchase balances where full closing balance is not paid by due date |
§ 02 — Fees · 10
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Cash Advance Fee | Cash advance | 3.00% of transaction | — | — |
| Copy of a deposit or withdrawal form | Event | $15 | — | — |
| Copy of a sales voucher | Event | $10.50 | — | — |
| Overlimit Fee | Event | No fee | — | $0 applied 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 account. |
| Statement Copy Fee | Event | $2 | — | $2 for requests via Phone Banking or Internet Banking and $2 for all other requests |
| Missed Payment Fee | Late payment | No fee | — | $0 applied for each missed payment |
| Automatic payment fee | Payment | No fee | — | $0 applied once per statement period for each payment dishonoured made under the automatic payment plan. |
| Card Fee | Periodic | $55 | Every 1 yr | Per card. |
| Card Replacement Fee | Replacement | No fee | — | Courier costs may apply |
| Foreign Transaction Fee | Transaction | 3.00% of transaction | — | 3% of the Australian dollar value of any Foreign Transaction. |
§ 03 — Features
Extra repaymentsFraud protectionRelationship manager55 interest-free days99 additional cardsComplimentary insurance : Get covered for the basics with complimentary insurance against unauthorised transactions.
- · Easier expense reporting : Detailed statements help to monitor and manage your expenses with optional consolidated summaries by department and division.
- · Available for Businesses : Available for many business structures including sole traders, companies, incorporated associations, partnerships and trusts.
- · Competitive rates : Enjoy a low rate of 9.99% p.a. (variable) on purchases (new cards only) and 17.15% p.a. (variable) on cash advances.
- · We will send you and the Principal a monthly statement at the nominated mailing address (not always on the same day of each month) for the card account. However, we need not send a statement under ce…
- · Automatic Payment Plan : If the principal has an Automatic Payment Plan, we debit the payment specified on statement to the account selected for debiting under the Plan. We debit the payment 25 days…
- · Credit card payments can be paid via Phone banking, Internet banking, BPAY.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Are a permanent resident
- · Available to businesses
§ 05 — Compare
§ 06 — Run the numbers
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Published by St.George Bank under the Consumer Data Right, last changed by them on 25 May 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.