St.George Amplify Qantas Signature
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Source pages and terms
- https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/credit-cards/bom_credit_card_terms_and_conditions.pdf
- https://www.qantas.com/au/en/frequent-flyer/the-qantas-club/complimentary-invitations-terms-conditions.html
- https://www.qantas.com/au/en/qantas-experience/at-the-airport/airport-lounges/terms-conditions.html
- https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf
- https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/stg-cc-fee-charges.pdf
- https://www.stgeorge.com.au/content/dam/stg/downloads/personal/credit-cards/stg-eligible-australian-visa-list.pdf
- https://www.stgeorge.com.au/content/dam/stg/downloads/personal/credit-cards/stg_amplify_terms_and_conditions.pdf
- https://www.stgeorge.com.au/content/dam/stg/downloads/personal/credit-cards/stg_credit_card_terms_and_conditions.pdf
- https://www.stgeorge.com.au/personal/credit-cards/frequent-flyer/amplify-signature
- https://www.stgeorge.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet
Saved wording and terms
Source: https://www.stgeorge.com.au/personal/credit-cards/frequent-flyer/amplify-signature
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Amplify Qantas Signature
Amplify Qantas Signature
Our top-tier credit card for people who love Qantas Points
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Our highest Qantas Points earn rate, complimentary insurances, lounge passes and much more.
[Image: St.George Amplify Qantas Signature credit card]
| $295 | Annual card fee |
|---|---|
| $155 | Annual Qantas Rewards Program fee |
| 23.98% p.a. | Variable interest rate on purchases |
| Up to 45 days | Interest free on purchases2 |
| $15,000 | Minimum credit limit |
| 1.5 | Qantas Points per $1 on international spend |
| 0.8 | Qantas Points per $1 on everyday spend |
| 0.4 | Qantas Points per $1 spend on all other purchases^^ |
Once you spend $10,000 in a statement cycle, you will earn 0.25 Qantas Points per $1 on further eligible purchases†.
See below for standard rates and fees.
What kind of businesses are included in the new 'everyday spend' category?
Our 'everyday spend' category consists of 4 sub-categories: supermarkets, department stores, petrol stations, dining and utilities. Below is a list of examples of merchants included in these 4 categories:
- Supermarkets include stores such as Woolworths, Coles, IGA, Harris Farm and ALDI
- Department stores include stores such as Kmart, Target, Big W, David Jones and Myer
- Petrol stations include stores such as 7-Eleven, Shell, Ampol, Caltex and BP
- Utilities include payments for water, gas, electricity, internet, mobile and streaming services (excluding BPAY® payments).
Amplify Qantas Signature offer
150K
BonusQantas Points
Earn up to 150,000 bonus Qantas Points> — 90,000 Qantas Points in year 1 if you spend $6k+ on eligible purchases† within 90 days of new card approval and an extra 60,000 points with $6k+ spend on eligible purchases† within 90 days of card anniversary in year 2.
Already with St.George? Sign in to apply for a $200 first year card fee (reverts to $295 p.a. thereafter)~.
Offer not available if you've held a St.George, Bank of Melbourne or BankSA rewards card in the last 24 months. New cards only. T&Cs Apply.
Already with us? Sign in to apply Already with us? Sign in to apply Not yet with us? Click here to applyNot yet with us? Click here to apply
Qantas Frequent Flyer
Qantas Points lover? Then you’ll love our Qantas rewards cards. Earn up to 1.5 Qantas Points per $1 spent on eligible purchases†, with those points going straight to your Qantas Frequent Flyer account. Build your points balance to use on flights and upgrades3, shopping4 and more. Use the points calculator to see where you could go with your bonus Qantas Points from our current offer.
Why you’ll love the Amplify Qantas Signature card
'Double dip' for double Points
Whether you are purchasing groceries or stocking up on Qantas Wine, you can earn points twice when you use your Qantas Points earning credit card to do your shopping with Qantas and our partners.
2 Qantas lounge passes
Enjoy 2 complimentary Qantas lounge visits each year when you register your details at loungepass.stgeorge.com.au6.
Shop through ShopBack. Get Cashback
Link and pay with your eligible St.George credit card to get exclusive bonus Cashback when you shop on the new St.George Lounge on the ShopBack app.
Other reasons to choose
Exclusive to Amplify Signature cardholders, our Concierge Service allows you to explore and book experiences online, including hard-to-find tickets, last-minute reservations and more7. Find out more.
Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 6 months' complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance. (terms, conditions, exclusions and eligibility criteria apply).5
That’s more time to pay your purchase balance and avoid interest charges on your purchases2. The interest-free days don’t cover cash advances.
Access to Visa’s Luxury Hotel Collection, giving you the best available rate guarantee and upgrade benefits when available10.
Complimentary additional cardholder
Add a second cardholder (16 or over) for free, while keeping all the spend and points on the one account11. And your points balance will grow even faster.
Make purchases with your smartphone using your choice of mobile wallet, including Apple Pay, Google Pay and Samsung Pay.
Feel confident using our cards, with 24/7 fraud monitoring, Secure Online Shopping Service, and the St.George Fraud Money Back Guarantee12.
A space filled with offers and benefits to make your life a little sweeter, every single day.
When you’re with Visa, you also get access to discounts and offers that can be personalised to your own taste.
Manage your repayments with options like Plan&Pay, Autopay, SMS and email alerts and more.
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Key rates and fees
| $295 | annual card fee |
|---|---|
| 23.98% | p.a. variable interest rate on purchases |
| 23.99% | p.a. variable cash advance interest rate |
| $20 | fee applied for each late payment or missed payment |
| $155 | annual Qantas Rewards Program fee |
| 3.5% | of each cash advance amount |
| 3% | of the Australian dollar value for transactions with merchants based overseas |
New cards only.
Fees and rates are subject to change. Read our credit card key facts sheet.
Before you apply
Check whether you're more likely to be approved
Check whether you're more likely to be approved
- Aged 18 or over AND
- Live at a fixed Australian address AND
- Receive a regular and verifiable Australian taxable income AND
- Meet ONE of the following three requirements:
- Be an Australian or New Zealand citizen OR
- Be an Australian permanent resident OR
- Hold a valid temporary residence visa with a minimum of 1 year before expiry. See PDF-file eligible Australian Visa (PDF 1MB)
You'll be assessed on your ability to repay the money you borrow. Three things you can do to help:
- Make sure you're meeting your current repayment obligations for
- other credit cards or loans (including lenders such as afterpay and zip pay)
- rent as well as utilities such as your phone, internet and electricity
- Check the details on your credit report are correct before applying. Head to CreditSmart.org.au and follow the links to a free credit report. More about credit reports.
- Don't make multiple applications (with us or any other lender). Every application is listed as an enquiry on your credit report. Too many can be seen as a red flag and reduce your chances of approval.
- An Australian mobile number (have your mobile handy as we'll be sending you verification codes)
- At least two forms of ID
- Australian driver licence, Medicare card, Passport, Australian birth certificate
- Foreign tax identification number (if you're a tax resident of another country)
- Current debts
- Home loan, personal loans, other credit or store cards as well as instalment purchases like Zip Pay
- If you want to transfer the balance of another credit card, you'll need to include those other cards in your application (even if you intend to close them after the balances are transferred)
- Regular monthly expenses
- Frequent flyer number (if applying for an Amplify Qantas Platinum or Amplify Qantas Signature card)
Sometimes, we might need more information and will ask you to provide certain documents. We'll let you know at the end of your application which (if any) documents are required.
These may be documents for:
- Proof of income
- Such as recent payslips, Government statements, rental income proof. For self-employed, recent business bank statements and previous ATO Notice of Assessment
- Confirmation of the closure of any debts
- Visa and residency status.
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Important information
PDF-file Credit Card Terms and Conditions (PDF 1008KB)
PDF-file Amplify Terms and Conditions (PDF 1MB)
PDF-file Credit Card Accounts Fees and Charges (PDF 1MB)
PDF-file Credit Card Complimentary Insurance Terms and Conditions (PDF 1MB)
Conditions, fees and credit criteria apply. Standard rates and fees applicable for new cards. May not apply for existing credit card accounts. This card is issued as a Visa card. Before making a decision read the Terms and Conditions and consider if the product is right for you.
Switches, upgrades, or Westpac Group staff are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
>Amplify Qantas Signature Bonus Qantas Points Offer: Offer commenced 1st May 2026. To be eligible for bonus Qantas Points, you must apply and be approved for a new Amplify Qantas Signature credit card before the offer is withdrawn. You will receive an initial 90,000 bonus points if you spend $6k or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active. In your second year, spend a minimum of $6k on eligible purchases within 90 days of your card opened date anniversary, and you'll earn an additional 60,000 bonus points. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. Eligible purchases do not include interest, fees and charges, cash, or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Existing customers who currently hold an Amplify, Amplify Platinum or Amplify Signature card issued by St.George, Bank of Melbourne or BankSA, or who have held one in the last 24 months, or Credit Card Product Switches, upgrades or Westpac group staff are not eligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
~Existing Customer Amplify Qantas Signature Discounted First Year Fee: Offer commenced 1st May 2026. The discounted first year card fee promotion is available for existing customers when you apply and are approved for a new Amplify Qantas Signature credit card before the offer is withdrawn. The first year card fee at the special promotional rate will be debited to your card account on your Card Fee date and the full card fee will be debited annually thereafter. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
Amplify Qantas: To earn and redeem points, you must be a member of the applicable rewards program. Annual Rewards Program fees apply and vary by rewards program. See the applicable card product page for details.
† Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.
^^If you choose to make any payment in any category using an intermediary service (such as Afterpay, PayPal or similar services), these transactions will be categorised as 'all other purchases'. We classify transactions using information provided to us by the card scheme (Visa or Mastercard), which tells us about the main type of business conducted by the Merchant.
The earning and redeeming of Qantas Points is subject to the PDF-file Amplify Terms and Conditions (PDF 1MB). You must be a member of the Qantas Frequent Flyer program to earn and redeem points. Purchases that are not eligible to earn points include interest, fees and charges, cash, or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Qantas Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis.
**2 Interest free period: is available when you pay the Closing Balance (or the Monthly Payment Balance if you have a Balance Transfer or Plan&Pay) in full by the payment due date.
3 Qantas and Jetstar Any Seat Awards are available on any flight with a QF or JQ flight number. The points required will be quoted when booked. There is no fixed relationship between the cash price charged by the applicable airline for a seat and the points required to redeem an Any Seat Award through Qantas Frequent Flyer. 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). For more information see qantas.com/frequentflyer. The Jetstar Any Seat Awards booking service is operated by Carlson Marketing Group (Aust) Pty Ltd trading as Carlson Leisure Travel Service Licence No. 2TA 5778, IATA 02-3 59523 For more information on the Qantas Frequent Flyer program, visit qantas.com/frequentflyer.
**4 Qantas Marketplace products are for delivery in Australia and New Zealand only (and different products are available in each delivery location). Redemption of points through Qantas Marketplace is subject to terms and conditions (including Marketplace terms of use and voucher terms and conditions). See qantas.com/marketplace for details.
**5 Complimentary Insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible St.George cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the PDF-file Complimentary Insurance Policy Information booklet (PDF 1MB) which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.
**6 Qantas Club Complimentary Lounge Invitations: As a St.George Amplify Qantas Signature cardholder earning Qantas Points, you are eligible for two Qantas Club Complimentary Invitations within each 12-month period of your card opening date, provided you meet the eligibility criteria: you must first register your St.George Amplify Qantas Signature credit card via loungepass.stgeorge.com.au and use your card in Australia to purchase selected Qantas products and services within the current 12-month period. Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number), Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas.
Qantas Club Complimentary Invitations will be made available within 14 business days of meeting eligible spend via the Complimentary Lounge Invitations Portal, provided you are not in breach of the PDF-file Credit Card Terms and Conditions (PDF 1008KB) and your account remains open. Log in to the portal using your Qantas Frequent Flyer account to access your invitation, link it with an eligible Qantas flight booking, or to find out more information. To receive your Complimentary Invitations, you must have provided St.George with your Qantas Frequent Flyer Number. If you have not yet registered for your complimentary Qantas Frequent Flyer Membership, you may join at qantaspoints.com/ffjoinstg.
Qantas Club Complimentary Invitations are provided courtesy of St.George, and are valid for Qantas Club and Qantas operated International Business Lounges only (excluding Los Angeles Tom Bradley Airport lounge). Each Complimentary Lounge Invitation is valid for a single visit by one guest to a Qantas Club domestic lounge, Qantas International or Qantas International Business Lounge, and must not be used prior to expiry.
Access and use are subject to the Complimentary Lounge Invitation Terms and Conditions and the Lounge Entry Terms and Conditions.
**7 Concierge Services are provided by a third party supplier. For further details including terms and conditions visit www.stgeorge.tenconcierge.com
**9 Bonus Qantas Points earned on Qantas passenger flights (with a QF flight number) booked directly with Qantas, Qantas Club and Qantas Frequent Flyer memberships, when purchased from Qantas and charged as a domestic transaction only. Excludes Jetstar flights and services. You do not earn bonus points on Qantas Freight, Qantas Business Travel, Jetset Travelworld channels and Qantas Staff Travel, and on any international transactions, whether charged in Australian Dollars and/or in any foreign currency.
10 Any offer through Visa Luxury Hotel Collection is valid at participating properties and Visa Platinum and Signature cardholders in the Australia/Pacific, Europe, Middle East and Africa (APCEMEA) regions. Offer is only valid when you pay with a valid and eligible Visa card. Best Available Rate applicable. Not applicable on discounted rates or combined with other offers at time of enquiry/booking. One daily breakfast per person during stay. Excludes all applicable taxes, services, gratuities and charges, and must be a valid and eligible Visa card. Void where prohibited, taxed or restricted by law. All reservations are subject to availability at time of confirmation. Visa and participating properties reserve the right to vary the terms and conditions of this offer. For updated list of participating properties, please visit www.visaluxuryhotels.com or call Visa Concierge for details.
11 An additional credit card can be issued on the primary cardholder's account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. All Qantas Points remain the benefit of the primary cardholder.
**12 Fraud Money Bank Guarantee: Our St.George Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted St.George promptly. Refer to the PDF-file Credit Card Terms and Conditions (PDF 268KB) for full details, including when a customer will be liable.
*Classic Flight Rewards are available on Qantas, Jetstar and partner airlines. Classic Flight Reward seats are subject to capacity controls, availability is limited and some flights may not have any Classic Flight Rewards available. The Qantas Points, taxes, fees and carrier charges stated are accurate as at 24 April 2022 but may vary at the time of booking. Status Credits and Qantas Points will not be earned on Classic Flight Rewards. Visit Classic Flight Rewards for more information.
Read the PDF-file Apple Pay Terms and Conditions (PDF 149KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card, and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Read the Google Pay Terms and Conditions before making a decision and consider if it is right for you. Available for eligible cards. To use Google Pay you will need to use a compatible device with a supported operating system. See our Google Pay FAQs for more information.
Read the Samsung Pay Terms and Conditions before making a decision and consider if it is right for you. To use Samsung Pay you will need to use a compatible device with a supported operating system. See our Samsung Pay FAQs for more information.
Internet connection may be needed to make purchases using Google Pay, Samsung Pay and normal mobile data charges apply.
Android, Google Pay and Google Play are trademarks of Google Inc.
Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
For St.George issued products, conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions, before deciding. Target Market Determinations for the products are available. Unless otherwise specified, the products and services described on this website are available only in Australia from © St.George Bank - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.
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Source: https://www.bankofmelbourne.com.au/content/dam/bom/downloads/personal/credit-cards/bom_credit_card_terms_and_conditions.pdf
Bank of Melbourne Credit Cards. • Terms and Conditions. • Credit Guide. • Information Statement. Effective date: 4 October 2024
You’ve got questions? We’ve got time to talk. Should you lose your card, immediately notify the 24-hour card service centre on 1800 772 266 within Australia, 7 days a week (free call), 613 8536 7870 outside Australia. For other credit card enquiries, give us a call on 13 22 66 , 8am to 8pm, Monday to Saturday. Accessibility support. At any time, you can inform us how you would prefer to be contacted. If you are deaf and/or find it hard hearing or speaking with people who use a phone, you can reach us through the National Relay Service (NRS). To use the NRS you can register by visiting infrastructure.gov.au/national-relay-service Visit bankofmelbourne.com.au/accessibility for further information on our accessible products and services for people with disability.
3 Contact details. For general enquiries relating to your Card Account or to report a proble m please contact us using any of the methods below. Y ou m ust contact us immediately if your Card is lost or stolen o r yo u believe your PIN or other passcodes have been compromised (this may stop you being liable for some types of transactions ( see Clau se 8)). • Visit us online at bankofmelbourne.com.au/creditcards • Call us 24 hours a day, 7 days a week on − 1800 772 266 if you are in Australia − +61 3 8536 7870 if you are abroad • Pop into a branch near you If you wish to contact us in relation to financial hardship assistance, or have a complaint, please see the table below: Customer Solutions and Support Phone: 13 22 66 Online: bankofmelbourne. com.au/ contact-us/ customer-complaints Bank of Melbourne Customer Assist (if you are experiencing financial difficulties please contact us as soon as possible) Phone: 1800 600 266 Online: bankofmelbourne.com.au/ contact-us/financial-hardship Australian Financial Complaints Authority (AFCA) If you are not satisfied with our response or handling of your complaint you may contact this free, independent external dispute resolution scheme Phone: 1800 931 678 (free call) Online: www.afca.org.au Email: info@afca.org.au Mail: GPO Box 3 Melbourne VIC 3001
4 Contents. 1.0 About your contract with us. .......................................................................... 5 2.0 Your Card and PIN. ........................................................................................ 6 3.0 Using your Card. ............................................................................................. 7 4.0 Statements and other communications. ....................................................... 10 5.0 Fees and interest. ......................................................................................... 10 6.0 Paying your Card Account. ........................................................................... 13 7.0 Bank of Melbourne Plan&Pay. ....................................................................... 15 8.0 What to do if you have a problem. ................................................................. 17 9.0 Closing your Card Account or cancelling your Card. ....................................... 19 10.0 Our additional obligations and rights. ............................................................ 21 11.0 Meaning of important terms. ....................................................................... 24 Credit Guide. .......................................................................................................... 27 Information Statement. .......................................................................................... 30
5 1.0 About your contract with us. 1.1 Introduction. These Terms and Conditions govern all Bank of Melbourne consumer Credit Cards. 1.2 The Credit Card Contract. The Credit Card Contract is made up of these Terms a nd Conditions along with the Financial Table attached to the letter of offer that we sent you (both contain some of your pre-contractual information). Please read these documents together and keep them. 1.3 When the contract is formed. The Credit Card Contract between you and us is formed and these Terms and Conditions take effect when you activate the Card Account, accept the Credit Card Contract using any other method we make available, or when the first transaction is made on the Card Account. If there is more than one of you, you are liable jointly and individually for the balance owing on the Card Account and we can ask either or both of you to repay it. Either of you can write to us to cancel your Cards and request to terminate your liability for future transactions on your Card Account. Each of you will still be liable for any balance outstanding and all transactions made prior to your request, even if they are debited to the Card Account after your request. Either of you may do anything that these Terms and Conditions allow one of you to do. For example, either of you may ask for a Card to be issued to another person or reduce the credit limit. 1.4 Codes of practice. The relevant provisions of the Banking Code of Practice apply to the services referred to in this document. We will comply with the Banking Code of Practice and the ePayments Code where they apply to the Card Account. • You can view a copy of the Banking Code of Practice on our website or ask us for a hard copy at one of our branches or over the phone. • You can also view a copy of the Banking Code of Practice on the Australian Banking Association’s website: www.ausbanking.org.au • The ePayments Code can be found on ASIC’s website: www.asic.gov.au .
6 2.0 Your Card and PIN. 2.1 Protecting your Card and PIN. When your Card is issued we will also provide you with a personal identification number (‘PIN’) or instructions on how to generate a PIN. This PIN is used to securely identify yourself and approve transactions. You must sign your card as soon as you receive it and keep it with you or in a safe place at all times. Do not select a PIN that represents your birthdate or could be easily guessed. Do not tell anyone your PIN (including family and friends) and do not write it on your Card (or anything you keep or carry with your Card). You should try to memorise your PIN. However, if you need to keep a record of it you must take reasonable steps to properly hide or disguise it (such as hiding it among other records or putting it in a place where a PIN would not be expected to be found) or protect it from unauthorised access (such as keeping it in a secured locked place). It is important that you take proper steps to protect your Card and PIN. If you do not, you may be liable if someone uses your Card without your permission (see Clause 8 for more detail). 2.2 Card validity and ownership. All Cards are the property of Bank of Melbourne. W e may (but do not have to) issue a new Card to you at any ti me. Your Card must not be used after its expiry date. 2.3 Additional Cards. You can ask for a Card to be issued to another person aged 16 years or over. That pers on is referred to as the Additional Cardholder. Where these Terms and Conditions refer to obligations relating to ‘your Card’, those obligations will also apply to the Additional Cardholder’s Card (for example PIN security). You must require each Additional Cardholder to confirm that they have read the Terms and Conditions because you remain responsible for all aspects of the Card Account including: • any usage b y the Additional Cardholder; and • any breach of your Credit Card Contract caused by the Additional Cardholder. By nominating an Additional Cardholder, you authorise the Additional Cardholder to act on your behalf to request a replacement card where the Additional Cardholder’s existing card is lost, damaged or stolen, except where the card has been cancelled by you. An Additional Cardholder will have access to the Card Account but will not be able to change the credit limit or close the account.
7 3.0 Using your Card. 3.1 What you can use your Card for. You can use your Card to make a Purchase or a Cash Advance or carry out a Balance Transfer from another Credit Card. Where your Card has been linked to a Bank of Melbourne deposit account, you can use the Card to make Purchases or withdraw cash from the linked account at eftpos terminals and ATMs by selecting the cheque or savings account options. Your Card must be used mainly for personal or household expenses. If we believe your Card is being used mainly for business related expenses, we may transfer you to another product or cancel your Card. Your Card must not be used for any illegal purpose or in a way that would breach international sanctions. 3.2 Where you can use your Card. You can use your Card in many places in Australia and around the world. Look for the Visa and Mastercard signs that match those shown on your Card. If your Card is accepted by a Merchant, branch or ATM provider you can use it to: Pay for purchases Withdraw cash • through payment terminals, e.g. at a shop • online • within a mobile app • by telephone • through mail order • at an ATM • at a bank branch 3.3 Recurring payments. You may authorise a Merchant to charge recurring payments to your Card automatically without requesting your authorisation on each occasion. If a Merchant is using Tokenised Credentials, your Card details may be automatically updated (for example, if your Card is reissued or replaced). In those circumstances, reissuing or replacing a Card may not stop recurring payments with that Merchant. You should update your details with the Merchant whenever your Card details change. If you wish to cancel or change a recurring payment you should contact the Merchant directly before the next payment is due. Depending on your agreement with the Merchant, if you do not leave enough time, you may still be liable for that payment. If a Merchant does not act on your instruction to cancel a recurring payment you may contact us to dispute the transaction on your behalf. Please see Clause 8.1 for details on how to dispute a transaction.
8 3.4 Foreign transactions. You may be charged Foreign Transaction Fees (as set out in the Financial Table or advised to you from time to time) on all Foreign Transactions. A Foreign Transaction is any transaction made in a foreign currency or processed outside Australia. This includes transactions made while you are in Australia where the Merchant or financial institution processing the transaction is located outside Australia (even if you are not aware of this). Any transaction in a foreign currency will be converted into Australian Dollars by the card scheme (either Visa or Mastercard) that processes the transaction at an exchange rate they set. If this transaction is later reversed or refunded in full or in part, the exchange rate used for the reversal or refund may differ from that used for the original transaction. Some Merchants and ATM operators allow you to convert a foreign currency into Australian Dollars at the time of Purchase. If you select this option the exchange rate will be set by the Merchant or ATM operator and you may still be charged a Foreign Transaction Fee. 3.5 Confirming and authorising transactions. There are a number of ways you may be able to confirm a transaction. These include: • signing your name • holding your Card in front of a contactless payment device • entering your PIN • entering your Card details and any other information required. Before you do so, you must check that the transaction amount is correct and you are sure you wish to proceed with the transaction. After you have confirmed a transaction it may need to be authorised. The amount you can access on the Card Account will then reduce. Sometimes a transaction will not be completed after it is authorised, such as where it is reversed by a Merchant. If this happens, the amount you can access may still be reduced for up to four business days. We reserve the right not to authorise any transaction but we will typically only do this where: • the transaction would cause you to exceed any of the limits that apply to your Card (more detail on limits can be found in Clause 3.6); • we believe the transaction may involve fraud; • the Card Account is in arrears; or • we believe the transaction may be illegal or prohibited by international sanctions.
9 3.6 Limits that apply. Your Card Account has a credit limit and a transaction limit. Credit limit - This is the total amount you can access on your Card Account and is initially listed in your Financial Table. All authorised transactions (including holds placed on your Card Account) reduce the amount you can access even if they have yet to be processed to your Card Account. Some transactions may proceed even though they may take the Card Account balance over the credit limit. If this happens, any amount above your limit is payable immediately and you may incur an over-limit fee. If you ask us to, we will reduce your credit limit (subject to any minimum credit limit that applies to the Card Account). If you wish to reduce the credit limit to a level below your outstanding balance you must first repay the difference. Transaction limits - These are the daily limits, as initially listed on your Financial Table, that apply to the following transactions made with your Card: • ATM cash withdrawals; and • the combined value of transactions you charge to any linked deposit accounts by selecting the cheque or savings option and for any Bank@Post transactions . Some Merchants and ATM operators may apply their own additional restrictions. 3.7 Gambling blocks. If you wish to limit access to gambling services through the Card Account, please call us or log into your Internet Banking and activate gambling block in the Card Services menu. Once we process your request we will decline all transactions for the Card Account whe re: • the card scheme (Visa or Mastercard) tells us that the Merchant offers gambling services; and • we receive an authorisation request for the transaction. If you ask us to cancel this service, it may take two business days for your request to take effect. This service will not prevent all gambling transactions. For example, it will not prevent gambling transactions: • that are recurring payments you have authorised before making the request • through B PAY ® transactions or cash withdrawals • in any other cases where we do not receive an authorisation request (for example if our systems are offline or the Merchant automatically approves the transaction).
10 3.8 Processing of transactions. We will determine the order in which we process transactions on any given day, based on our business systems and processes. This means for example that transactions may not be processed in the order they were made. The processing order can affect how transactions are treated, including for the purposes of applying interest charges. Please contact us if you have any queries. 4.0 Statements and other communications. 4.1 Statements. We will issue a statement for the Card Account to you every month unless the account has a balance of $10 or less and there has been no account activity in that month. You can choose to receive statements by mail or electronically. We use statements to provide you with information, including changes to your Car d Account or these Terms and Conditions (see Clause 10.3 for more information). If you have any questions about an item on your statement please call us. 4.2 Keeping your contact details updated. You must promptly tell us if your contact details change (including your mailing address, email address and telephone number). If you do not do this it may impact your rights under the Credit Card Contract and you may miss out on other important information. For example, we may not be able or required to send you certain notices or statements. 4.3 Checking your statements regularly. Sometimes we get things wrong. Where we do, we will work to make things right. You will not be liable for any fees, charges or interest that we incorrectly charge to your account contrary to our applicable terms and conditions. Please check the entries listed in your account statements regularly, and if you see an error please contact us promptly on 13 22 66. 5.0 Fees and interest. 5.1 Fees and interest rates. You must pay the Fees that we post to your Card Account. Information about current standard Fees and any Annual Percentage Rates is available on request. You can also access this information online at: bankofmelbourne.com.au/personal/credit-cards .
11 5.2 Interest free period. An interest free period may apply to the Purchase Balance on your card. Please refer to the Financial Table attached to your letter of offer or visit us online at bankofmelbourne.com.au to see whether an interest free period may apply. If your card comes with an interest free period on the Purchase Balance, you won’t incur interest on the Purchase Balance during the interest free period if you meet the conditions set out below. If your new Card Account is eligible for interest free days, you will automatically have an interest free period up to and including the first payment due date on your statement. The interest free period will continue to apply as long as you pay the Closing Balance shown on your statement by the due date each month. If you have a Balance Transfer or a Plan&Pay, the interest free period will continue to apply as long as you pay the Monthly Payment Balance shown on your statement by the due date each month. Your Monthly Payment Balance is calculated so that you do not need to pay off your entire Balance Transfer or Plan&Pay Balance to enjoy your interest free period. If you set up a Plan&Pay after we have sent you a statement, the amount you need to pay that month to maintain your interest free period will be the Monthly Payment Balance shown on your statement minus the amount you transfer onto the new Plan&Pay. Your interest free period will end on your due date if the Closing Balance is not paid in full. While you have a Bal ance Transfer or Plan&Pay, your interest free period will end on your due date if the Monthly Payment Balance is not paid in full. This means you will incur interest on any new Purchases and your outstanding Purchase Balance (regardless of when particular Purchases were made). A new interest free period will start the next time you pay your Closing Balance or Monthly Payment Balance (as applicable) in full by the due date. You may see interest charges on your next statement even after paying the Monthly Payment Balance in full by the due date. This usually happens where you did not pay the previous Closing Balance or Monthly Payment Balance in full by the due date (the new interest charges are for the period between your last statement and when you paid the Closing Balance or Monthly Payment Balance).
12 5.3 Calculation and application of interest charges. Unless you satisfy the interest free period conditions set out in clause 5.2, you must pay interest on all amounts outstanding on the Card Account. Interest charges are applied at the end of each statement period, but are calculated daily based on the amounts outstanding on the Card Account at the end of each day. Your Card Account balance is divided into ‘balance categories’ and this determines the Annual Percentage Rate that applies and when interest begins to be charged. • Table 1 shows what is included in each balance category and which Annual Percentage Rate applies to each balance category. • Table 2 shows when interest begins to be charged on different parts of your balance. On each day the outstanding balances for each category are multiplied by the applicable Annual Percentage Rate(s) divided by 365. The total amount o f interest due is calculated by adding together all of the daily values across each day of the statement period. Table 1 Balance category Items included in balance category Annual Percentage Rate that applies Purchase Balance Purchases and interest charged on your Purchase Balance All Fees except Cash Advance Fees, Balance Transfer Fees and Plan&Pay Fees Purchase Rate Cash Advance Balance Cash Advances, Cash Advance Fees and interest charged on your Cash Advance Balance Cash Advance Rate Balance Transfer Balance(s) Balance Transfers, Balance Transfer Fees and interest charged on your Balance Transfer Balance Balance Transfer Rate(s) Plan&Pay Balance(s) Plan&Pay instalment plans, Plan&Pay Fees and interest charged on your Plan&Pay Balance Plan&Pay Rate(s) Other Balance Any other amounts As separately disclosed to or agreed with you
13 Table 2 Item Interest Charged from Purchases and Cash Advances The day you make the Cash Advance or Purchase (subject to any interest free period described in Clause 5.2) Interest charges, annual Fees and monthly Fees The day after the interest charge or fee is applied to the Card Account All other Fees The day the fee is applied to the Card Account Balance Transfers The day the balance transfer is transferred to the Card Account* Plan&Pay The day the Plan&Pay is activated** Any other amounts As separately disclosed to or agreed with you *At the expiry of the promotional period applicable to a Balance Transfer, the remaining balance will become part of the Purchase Balance or Cash Balance in line with the terms of the promotional offer. **If any Plan&Pay Balance remains outstanding at the end of the Plan&Pay term it will be transferred back to your Purchase Balance, Cash Advance Balance or Balance Transfer Balance (depending on where the balance was prior to being on a Plan&Pay) and will have interest applied accordingly. 5.4 Adjustments. If you make a Purchase that is later refunded you will be charged interest on that Purchase for the period between the date of the original transaction and the date of the refund unless an interest free period applies. We will adjust your Card Account in relation to the relevant Purchase amount if we discover an error, a payment to the Card Account is dishonoured, or transactions are reversed following a dispute or unauthorised use. 6.0 Paying your Card Account. 6.1 How much you have to pay each month. You must pay at least the Minimum Payment Due as shown on each statement by the due date. If you fail to do so, we may apply a Missed Payment Fee to the Card Account. (Please refer to your Financial Table for the Fees applicable to your account.) You can choose to pay more than the Minimum Payment Due. Account credits such as refunds, reversals, cashback and overpayments in prior months, do not count towards the Minimum Payment Due. If you cannot make a payment, you must contact us promptly as we may be able to help you.
14 6.2 How you can make your payment. Payments must be made in Australian dollars using one of the ways listed in your statement. You can also opt to have your payment made automatically through our Card Autopay facility, further details of which can be found at: bankofmelbourne.com.au/credit-card-repayments . You should allow plenty of time ahead of your payment due date for your payment to reach us, for us to process it and for funds to clear into your account. After we receive your payment we will process and credit the verified amount to the Card Account as soon as we can. You can only access an amount that you have paid once the payment has cleared. Processing and clearing times will depend on how you pay and at what time of day. For more information about processing times, please call us. For Smart ATM processing and cut-off times visit bankofmelbourne.com.au and search ‘ATM features’. 6.3 How we apply your payments. Payments to the Card Account are applied to:
- balances owing on your most recent statement; and then
- transactions made since your last statement was issued. Within each balance or group of balances above we pay off the balances in order of the Annual Percentage Rate they attract, from highest to lowest. If the same Annual Percentage Rate applies to more than one amount, we apply the payment to those amounts in the following order: • Interest charges incurred to date; • Fees incurred to date; and • Transactions (such as Cash Advances or Purchases). Within each of the three categories above, the payment is applied in the order in which the relevant amount was debited to the Card Account. If you have more than one promotional plan on your account where special terms apply (for example a Balance Transfer offer) and they both have the same Annual Percentage Rate, we will apply payments to the oldest plan first. If you have a Plan&Pay instalment plan see Clause 7.6.
15 7.0 Bank of Melbourne Plan&Pay. 7.1 What is Plan&Pay? A Plan&Pay is an instalment plan that helps you split a large eligible Purchase and part or all of your Credit Card balance into manageable instalments. When you set up a Plan&Pay your Card Account balance will be split into: • a Plan&Pay Balance – this will include all of your active Plan&Pays • your Main Account Balance, which is made up of any remaining amounts. Setting up a Plan&Pay does not change the credit limit of your Card Account or your obligation to keep your total balance within your credit limit as detailed in Clause 3.6. 7.2 How do you set up a Plan&Pay? You can ask us to set up a Plan&Pay using Internet Banking (either on your desktop or in the Bank of Melbourne mobile app). Your request may take up to 2 business days, but we will notify you if we accept your request. The maximum number of Plan&Pays you can have at one time is eight (8). 7.3 Are there Fees and charges? We will advise you of the Annual Percentage Rate and any Fees that apply to your Plan&Pay when you ask for it to be set up. All applicable Fees and interest charges will be added to the total Plan&Pay Balance and be included in your instalment payments. When you ask us to set up your Plan&Pay, we will provide you with an ‘Estimated Total Repayment’ figure. The actual amount you will pay will vary depending o n the date your Plan&Pay is activated and on the payments that you make. 7.4 How does Plan&Pay affect what you need to pay each month? When you set up a Plan&Pay you will choose the number of monthly instalment payments you will need to make. To keep the Plan&Pay open you need to pay these instalments by the due date each month. Having a Plan&Pay doesn’t change your obligation to always pay the Minimum Payment Due each month as explained in Clause 6.1. 7.5 Does a Plan&Pay change Autopay instructions? Setting up a Plan&Pay will affect your Autopay. If you have set up Autopay to pay a fixed dollar amount or a fixed percentage of your balance you will need to update your preference before you can request a Plan&Pay.
16 To set up a Plan&Pay you must change your Autopay instruction to either pay the: • Monthly Payment Balance – to retain interest free periods; or • Minimum Payment with Instalments – to meet your minimum payment requirements and pay your Plan&Pay instalment. If you already have Autopay set to one of these options the amounts collected will be automatically adjusted to include any Plan&Pay instalments due. Regardless of any changes due to you setting up a Plan&Pay, Autopay will always collect at least the Minimum Payment Due. 7.6 How does Plan&Pay affect how we apply your payments? When you have a Plan&Pay we will adjust the order in which payments are applied to your Card Account. Payments will be applied in the following order:
- To the Plan&Pay instalment(s) shown on your most recent statement*
- To your Main Account Balance in the order as described in Clause 6.3
- To any outstanding Plan&Pay Balance(s).* *If you have more than one we pay them off in order of the Annual Percentage Rate they attract, from highest to lowest. If two or more Plan&Pays have the same Annual Percentage Rate, payments will be applied first to the oldest plan. By setting up a Plan&Pay, you are asking us to apply payments in this way. In some circumstances this means you might pay more inte rest than if you did not have a Plan&Pay. You can cancel your plan at any time via Internet Banking. 7.7 What happens if you do not pay your Plan&Pay instalment in full or pay late? If you do not pay your Plan&Pay instalment in full by the due date we may cancel your Plan&Pay and move the balance back to the Main Account Balance. We may refund a portion of any Fees you paid to set up your plan. The amount of the refund will depend on how many months are left on your Plan&Pay when it is cancelled. If we allow your Plan&Pay to continue we will not adjust your Plan&Pay instalments. When this happens you will need to make catch-up payments to ensure your Plan&Pay Balance is paid in full by the end of the plan term. If any Plan&Pay Balance remains outstanding at the end of the Plan&Pay term it will be transferred back to your Purchase Balance, Cash Advance Balance or Balance Transfer Balance (depending on where the balance was prior to being on a Plan&Pay) and will have interest applied accordingly.
17 7.8 When does a Plan&Pay end? Your Plan&Pay will end: • on the last day of the plan’s term; or • when you pay off the full Plan&Pay Balance; or • when the Plan&Pay is cancelled. You can cancel your plan at any time in Internet Banking. We may cancel a Plan&Pay if: • you fail to pay your Plan&Pay instalment by the due date; or • you make an arrangement with us to pay less than the Minimum Payment with Instalments; or • you do not comply with your obligations under these Terms and Conditions. We will notify you if we cancel a Plan&Pay. 8.0 What to do if you have a problem. 8.1 Security problems and transaction disputes. Security problems. If your Card is lost or stolen or you believe your PIN or other pass codes have been compromised you must contact us immediately. If you fail to do so you may be liable for any losses that result from your failure to notify us or any delay in doing so. Unauthorised transactions. If you believe your Card has been used to make transactions without your permission you must contact us immediately so that we can block the Card Account and investigate the issue. Other transaction disputes. If you are not happy with goods and services you have purchased with your Card or you believe the Merchant has charged you incorrectly you should first try to resolve your dispute with that Merchant. If this does not resolve your dispute you may have additional rights under the Mastercard or Visa dispute process. Please call us or use the ‘Dispute this transaction’ function within Internet Banking. We encourage you to notify us of the dispute as soon as possible and if we ask you for further information you must provide that information within 14 days (or such longer period as it may be reasonable to allow). Our ability to obtain a refund may be restricted under Mastercard or Visa rules depending on how quickly you notify us.
18 For further information on what to do and the options available to you when problems occur please visit: bankofmelbourne.com.au/contact-us/lost-stolen-cards . Liability for unauthorised transactions and system failures. We apply the ePayments Code to determine liability for any losses that result from unauthorised electronic transactions or systems or equipment malfunctions. The table below provides examples of when you may be liable for losses from an unauthorised transaction and when you are not. For more information, see the ePayments Code at ASIC’s website: www.asic.gov.au . When you may be liable* When you are not liable • When you contributed to the loss through fraud or failing to protect your PIN as set out in Clause 2.1 • When you leave your Card in an ATM • When you unreasonably delay in telling us about the misuse, loss or theft of your Card, or that the security of your PIN has been breached • When it is clear that you did not contribute to the loss** • Losses due to our (or our people’s) fraud or negligence • Transactions incorrectly charged more than once to the Card Account • Unauthorised transactions after you tell us about a Card, PIN or password security issue • Unauthorised transactions that can be made using your Card number and expiry date, without your Card, PIN or other password • Losses arising from a system malfunction where a transaction is not completed in line with instructions you have submitted and that have been accepted by the system
- You will not be liable for the portion of losses that exceed your credit limit, or that were incurred in one day in excess of your transaction limit. **Where losses arise from a transaction that requires a PIN and it is not clear if you contributed to the loss your liability will be no more than $150. To avoid liability for transactions involving handwritten signatures, you must also adequately protect your Card.
19 8.2 Resolving problems and complaints. If you have a problem or complaint, we aim to resolve it at your first point of contact with us. If we cannot do so, we will escalate it to our Customer Solutions Team. If you are not satisfied with our response or handling of your complaint, you may be able to lodge a complaint with the free, independent external dispute resolution scheme, the Australian Financial Complaints Authority (AFCA). AFCA’s details can be found at the front of this document. 9.0 Closing your Card Account or cancelling your Card. 9.1 Your right to close your Card Account. You may ask us to close your Card Account through Internet Banking or by contacting us. When we receive a closure request we will cancel your Cards immediately and close your Card Account (which ends your Credit Card Contract) as soon a s your balance is repaid in full. To cancel an Additional Card (but not close the Card Account) please notify us in branch or by phone. 9.2 Our right to cancel a Card or block the Card Account. We may cancel a Card or block the Card Account without giving notice: • if we suspect fraud or need to take action to prevent losses; • to manage regulatory risk; • where we reasonably believe the use of an account has caused harm (including financial abuse) to another person; or • for any other reason determined by us acting reasonably. We may also cancel a Card or block the Card Account if you are in default. Further details are provided below in Clause 9.3. If your account has a positive (credit) balance when it is closed by you or us, we may: • transfer that amount to another account in your name that you hold with us; and/or • attempt to contact you to return the amount. If we have given you notice and you have not contacted us to seek return of the amount and it is less than $10, we may transfer those funds to a charitable organisation or association.
20 9.3 Our rights when you are in Default. You are in default if: • you don’t make the required payments when due; • you become bankrupt or enter into any arrangement with creditors; or • yo u or the Additional Cardholder do any of the following and, in our reasonable opinion, this has a material impact on our credit, legal or reputational ris ks: − fail to comply with the law; − engage in conduct that is misleading; − use the Card Account for a non-approved purpose. When you are in default the Bank may require immediate payment of all amounts you owe under this Credit Card Contract, including amounts accrued or charged but not yet debited to your account. You may also have to pay reasonable enforcement expenses, including any amount reasonably incurred by the use of our staff and facilities. Before we require immediate repayment in full, you will normally be given 30 days’ written notice to allow you a n opportunity to remedy the default. Sometimes we may immediately start enforcement proceedings without providing notice, for example where: • we believe, on reasonable grounds, that we were induced by fraud on your part to enter into this Credit Card Contract; • we have made reasonable efforts to locate you without success; or • a court authorises us to commence enforcement proceedings without notice to you. 9.4 What you must do when a Card is cancelled or the Card Account is closed. When the Card Account has been closed or a Card has been cancelled for any reason, you must: • destroy the Card(s) in a secure manner. If you cannot destroy an Additional Card you must tell the Additional Cardholder not to use the Card and tell us so that we may cancel the Card because, although a stop may have been placed on the Card Account, the Additional Card may still be used in some circumstances that are out of our control. • cancel any recurring payments which are linked to the Card Account. You will remain liable for recurring payments which have not been cancelled, and transactions debited to the Card Account which were made before closing your account.
21 While the Card Account remains open, even if a Card is cancelled or a Card Account is blocked, you must continue to meet your payment obligations and all other obligations under these Terms and Conditions. Fees and charges including interest will continue to apply until the balance is paid off and the Card Account is closed. 10.0 Our additional obligations and rights. 10.1 Right of set-off. Where you also have another account with Bank of Melbourne (for example a deposit account) we may use funds from one to pay amounts owed on the other. Unless specifically allowed under law, you may not set off or deduct any amounts w e owe you against amounts you owe on your Card Account. 10.2 Right of assignment. We may assign our rights under your Credit Card Contract to someone else. You may not assign your rights under your Credit Card Contract to another person. 10.3 Right of variation. We may ma ke the following changes to the Credit Card Con tract: • Changes to interest (including changing the Annual Percentage Rate(s) or how we calculate and apply interest); • Changes to your payments (for example, how much, how they are calculated or when or how often you need to pay); • Changes to Fees (including introducing new Fees, changing the amount of them or the time of payment); • Changes to credit or transaction limits (including reducing your credit limit); • Other changes that: − reflect changes in law, official directives, or the guidance from a regulator; − reflect changes to our business or systems; − reflect current industry or market practice or conditions; − are administrative or correct a mistake; − we reasonably think you will benefit from; − are reasonably necessary to protect our legitimate interests. We will generally apply these changes to a class of customers or a product, but where they reflect changes to a credit limit, our risk associated with you, a mistak e on your account or will be beneficial to you, we may apply them just to you.
22 How and when we notify you of changes. Changes How When Changes to Annual Percentage Rates In writing (which may be on your statement) or a notice we publish* As soon as reasonably possible, but no later than the day the change happens Changes to Fees In writing (which may be on your statement) or a notice we publish* As soon as reasonably possible. However, if we believe the change is unfavourable to you, we will give you notice at least 30 days in advance** Changes that reduce your obligations, extend the time for payment In writing (which may be on your statement) As soon as reasonably possible but no later than the next statement after the change takes effect Any other changes (including reducing your credit limit or changes that we believe are unfavourable to you) In writing (which may be on your statement) As soon as reasonably possible, at least 30 days in advance** *We may use a range of means of publishing a notice from time to time, including in a newspaper, on our website or our Online Banking app, or a combination of one or more of these. We will also inform you of the change before or when we send you the next statement after the change takes effect. ** Where it is reasonable for us to manage a material and immediate risk (for example, you are in default, or your Card Account has been inactive for 6 months), or immediately restore or maintain the security of one of our systems, or a Card Account, we may make unfavourable changes with less notice or no notice. Where we are allowed to do so, we can notify you of changes electronically (e.g. by email or messages in Internet Banking).
23 10.4 Tax Reporting Obligations. We are required under domestic and international laws to collect and report financial and account information relating to individuals and organisations who are, or may be, foreign tax residents. We may ask you whether you or any shareholder, beneficiary, settlor or controlling person are a foreign tax resident from time to time, such as when you open an account with us, or if your circumstances change. If you do not provide this information to us, including information about the foreign tax identification number for all countries you or any shareholder, beneficiary, settlor or controlling person are a foreign tax resident of, we may be required to limit the services we provide to you. This could include not opening your product, or limiting functions or services of your product, or closing it. Unless you tell us otherwise, by completing any application for products covered by these terms and conditions, you certify that you, any shareholder, named beneficiary, settlor or controlling person is not a foreign tax resident. You must tell us if you, or any shareholder, named beneficiary, settlor or controlling person is, or becomes, a foreign tax resident (unless an exemption applies, such as for shareholders of listed companies). Where there are no named beneficiaries (e.g. for beneficiaries identified only as a class) you must tell us if a beneficiary is a foreign tax resident immediately when any decision is made to identify such beneficiary and, in any case, before such distribution is to be made to them. You may contact us to provide foreign tax residence information by calling 1300 725 863. We cannot give tax advice, so please contact your independent tax advisor if you need help finding out whether any person is a foreign tax resident.
24 11.0 Meaning of important terms. Term Meaning Annual Percentage Rate An annual interest rate that applies to a balance category (e.g. Purchases, Cash Advances or Balance Transfers) of your Card Account as specified in the Financial Table, as advised to you from time to time or as specified in a promotional offer. Balance Transfer A balance transferred to your Card Account from another Card Account to which specific terms may apply. Bank, Bank of Melbourne, our, we, or us Bank of Melbourne – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Card, or Credit Card Any credit card issued by us to you or an Additional Cardholder at your request, including any device or mobile wallet, which you can use to access credit on the Card Account. Card Account The account used to record transactions under the Credit Card Contract. Cash Advance A transaction where you: • withdraw cash • pay for items we consider to be equivalent to cash (for example; foreign currency including cryptocurrency, traveller’s cheques, money orders or stored value cards) • transfer funds to another account or stored value card (for example a bank account, trading account or prepaid card) except where this is done as a Balance Transfer. • pay bills over the counter or through a third party (other than B PAY ) • pay a Merchant that provides gambling services and products, including Merchants that sell lottery tickets, or anything else we treat as being a Cash Advance. We classify transactions using information provided to us by the card scheme (Visa or Mastercard), which tells us about the main type of business conducted by the Merchant. All transactions with Merchants, especially those whose main business is listed above, may be treated as Cash Advances. Digital Token or Tokenised Credentials The unique number created in some circumstances by the card scheme (Visa) which represents your card number and may be used by a Merchant to process Purchases or recurring payments.
25 Term Meaning Fees Fees and charges that apply to your Card Account as specified in the Financial Table, as advised to you from time to time, or as specified in a promotional offer. Financial Table The document attached to your letter of offer that forms part of your Credit Card Contract and contains important details such as the interest rates and Fees that apply to your Card Account. Internet Banking All methods that we provide to allow you to digitally access and manage your Card Account. This includes mobile/tablet apps, and browser-based access. Internet Banking is governed by separate Terms and Conditions located on our website. Main Account Balance The balance of your Card Account less any Plan&Pay Balance. Merchant A provider of goods or services who accepts payment by Card. Minimum Payment Due The minimum payment you must make each month under your Credit Card Contract. Details of how this is calculated are set out in the Financial Table or advised to you from time to time. Minimum Payment Due on Main Account Balance The minimum payment that relates to your Main Account Balance. Calculated the same way we work out the Minimum Payment Due but using the Main Account Balance instead of the whole closing balance of your Card Account to work out that amount. Minimum Payment with Instalments The amount you must pay each month if you want to keep your Plan&Pay active. Calculated as the Minimum Payment Due on Main Account Balance plus any Plan&Pay instalments shown on a statement. Monthly Payment Balance The amount you must pay to retain an interest free period. Calculated as the Main Account Balance minus the Balance Transfer Balance plus any Plan&Pay instalments shown on a statement. Plan&Pay An instalment plan available on your Card Account to which specific terms may apply. Purchase All payments you make using your Card that are not Cash Advances or Balance Transfers.
26 Term Meaning Recurring payment Recurring payment means a payment you have authorised a third party (including a person, company or merchant) to charge your Card at set times. you The person who is the owner of the Card Account and who is responsible for all transactions on the account. If there are two of you, you means each of you separately and both of you jointly. You includes your successors.
27 Credit Guide. This Credit Guide gives you important information about the products we provide which are regulated by the National Credit Code (‘consumer lending products’). In this document, the words ‘we’, ‘us’, ‘our’ and ‘Bank of Melbourne’ refer to Bank of Melbourne – a Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Bank of Melbourne has additional products and services that are not covered by this document. In your interaction with Bank of Melbourne, you may receive Financial Services Guides and additional Credit Guides. Bank of Melbourne’s consumer lending products include: • Credit cards • Home loans • Residential property investment loans, and • Personal loans. 1.0 Our general obligations. In relation to our consumer lending products, we will not, as a credit provider: • Enter into a credit contract with you; or • Increase the credit limit of a credit contract with you, if we assess that the credit contract is unsuitable for you. We refer to this assessment as the Suitability Assessment. To make this assessment, we will make reasonable inquiries about your: • requirements and objectives in relation to the credit contract or credit limit; and • financial situation and take reasonable steps to verify. 2.0 When will the credit contract be unsuitable? A credit contract will be unsuitable if: • The credit contract does not meet your requirements or objectives; or • It is likely that you will be unable to comply with your financial obligations under the credit contract; or • It is likely that you could only comply with your financial obligations under the credit contract with substantial hardship.
28 3.0 How can you access a copy of the Suitability Assessment? If your application for credit or increase in credit has been approved, you can call 13 22 66 and request a written copy of the Suitability Assessment which we will provide within the following timeframes: Your request is made: We will give you your assessment: Before the Credit Day* As soon as possible after we receive your request Up to 2 years after the Credit Day* Within 7 business days after we receive your request Between 2 and 7 years after the Credit Day* Within 21 business days after we receive your request *The Credit Day is the date the credit contract is entered into or the credit limit is increased. We are not required to provide you with a copy of the assessment if the credit application or increase has been declined or if the credit contract your request relates to was entered into before 1 January 2011. 4.0 Getting your complaint heard. Please talk to us first. We aim to resolve your complaint at your first point of contact with us, so we encourage you to raise your complaint through any of the following channels: Phone: 13 22 66 Online: bankofmelbourne.com.au/contact-us/customer-complaints Mail: Reply Paid 5265, Sydney NSW 2001. 5.0 Our Customer Solutions Team. In the unlikely event that we can’t resolve your complaint at your first point of contact with the bank, we will escalate your complaint to our Customer Solutions Team for further investigation.
29 6.0 What to do if you are still not happy. If you are not satisfied with our response, you may lodge a complaint: Australian Financial Complaints Authority (AFCA) Online: www.afca.org.au Email: i nfo@afca.org.au Phone: 1800 931 678 Mail: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001 Australian Securities and Investments Commission (ASIC) ASIC has a free call Infoline on 1300 300 630. You can call this number to make a complaint and to obtain information about your rights. Office of the Australian Information Commissioner (OAIC) You may also make a complaint to the OAIC where your complaint is about the way we handle your personal information. OAIC requires you to first lodge a complaint with us. The law also allows 30 days for us to deal with your complaint before you can make a complaint to the OAIC. The contact details for OAIC are set out below: Online: www.oaic.gov.au Online enquiries: Enquiry Form Phone 1300 363 992 Post: Office of the Australian Information Commissioner GPO Box 5218 Sydney NSW 2001
30 Information Statement. Things you should know about your proposed credit contract. Bank of Melbourne is your credit provider. This statement tells you about some of the rights and obligations, you and we have. It does not state the terms and conditions of your contract. If you have any concerns about your contract, contact us and, if you still have concerns, the AFCA scheme, or get legal advice. The contract.
- How can I get details of my proposed credit contract? We must give you a precontractual statement containing certain information about your contract. The precontractual statement, and this document, must be given to you before: • Your contract is entered into; or • You make an offer to enter into the contract; whichever hap pens firs t.
- How can I get a copy of the final contract? If the contract document is to be signed by you and returned to us, you must be given a copy to keep. Also, we must give you a copy of the final contract within 14 days after it is made. This rule does not, however, apply if we have previously given you a copy of the contract document to keep. If you want another copy of your contract, write to us and ask for one. We may charge you a fee. We have to give you a copy: • Within 14 days of your written request if the original contract came into existence 1 year or less before your request; or • Otherwise within 30 days of your written request.
- Can I terminate the contract? Yes. You can terminate the contract by writing to us so long as: • Y ou have not obtained any credit under the contract; or • A card or other means of obtaining credit given to you by us has not been used to acquire goods or services for which credit is to be provided under the contract. However, you will still have to pay any Fees or charges incurred before you terminated the contract.
31 4. Can I pay my credit contract out early? Yes. Pay us the amount required to pay out your credit contract on the day you wish to end your contract. 5. How can I find out the pay-out figure? You can write to us at any time and ask for a statement of the pay-out figure as at any date you specify. You can also ask for details of how the amount is made up. We must give you the statement within 7 days after you give your request to us. You may be charged a fee for the statement. 6. Will I pay less interest if I pay out my contract early? Yes. The interest you can be charged depends on the actual time money is owing. However, you may have to pay an early termination charge (if your contract permits us to charge one) and other Fees. 7. Can my contract be changed by Bank of Melbourne? Yes, but only if your contract says so. 8. Will I be told in advance if Bank of Melbourne is going to make a change in the contract? That depends on the type of change. For example: • You get at least same day notice for a change to an annual percentage rate. That notice may be a written notice to you or a notice published by your credit provider. • You get 30 days’ advance written notice for: − A change in the way in which interest is calculated; or − A change in credit Fees and charges; or − Any other changes by Bank of Melbourne except where the change reduces what you have to pay or the change happens automatically under the contract. 9. Is there anything I can do if I think that my contract is unjust? Yes. You should first talk to us. Discuss the matter and see if you can come to some arrangement. If that is not successful, you may contact the AFCA scheme. The AFCA scheme is a free service established to provide you with an independent mechanism to resolve specific complaints.
32 The AFCA scheme can be contacted at: Australian Financial Complaints Authority Online: www.afca.org.au Email: info@afca.org.au Phone: 1800 931 678 (free call) Mail: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001 Alternatively, you can go to court. You may wish to get legal advice, for example from your community legal centre or Legal Aid. You can also contact ASIC, the regulator, for information on 1300 300 630 or through ASIC’s website at www.asic.gov.au . General. 10. What do I do if I cannot make a repayment? Get in touch with us immediately. Discuss the matter and see if you can come to some arrangement. You can ask us to change your contract in a number of ways: • To extend the term of your contract and reduce payments; or • To extend the term of your contract and delay payments for a set time; or • To delay payments for a set time. 11. What if we cannot agree on a suitable arrangement? If we refuse your request to change the repayments, you can ask us to review this decision if you think it is wrong. If we still refuse your request you can complain to the AFCA scheme. Further details about this scheme are set out below in question 13. 12. Can Bank of Melbourne take action against me? Yes, if you are in default under your contract. But the law says that you cannot be unduly harassed or threatened for repayments. If you think you are being unduly harassed or threatened, contact the AFCA scheme or ASIC, or get legal advice. 13. Do I have any other rights and obligations? Yes. The law will give you other rights and obligations. You should also READ YOUR CONTRACT carefully.
If you have any complaints about your credit contract, or want more information, contact us. You must attempt to resolve your complaint with us before contacting the AFCA scheme. If you have a complaint which remains unresolved after speaking to us you can contact the AFCA scheme or get legal advice. The AFCA scheme is a free service established to provide you with an independent mechanism to resolve specific complaints. The AFCA scheme can be contacted at: Australian Financial Complaints Authority Online: www.afca.org.au Email: info@afca.org.au Phone: 1800 931 678 (free call) Mail: Australian Financial Complaints Authority GPO Box 3, Melbourne VIC 3001 Please keep this information statement. You may want some information from it at a later date.
Bank of Melbourne acknowledges the Traditional Owners as the custodians of this land, recognising their connection to land, waters and community. We pay our respects to Australia’s First Peoples, and to their Elders, past and present. ® Registered to BPAY Pty Ltd ABN 69 079 137 518. © Bank of Melbourne – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. BOM22422 1024
Source: https://www.qantas.com/au/en/frequent-flyer/the-qantas-club/complimentary-invitations-terms-conditions.html
Complimentary Lounge Invitations terms and conditions
These terms and conditions govern Complimentary Lounge Invitations
Effective 1 July 2026
On this page
Introduction
1.1 These Terms and Conditions govern Complimentary Lounge Invitations.
1.2 Eligible Customers are responsible for complying with these Terms and Conditions.
1.3 These Terms and Conditions are effective from the date of publication shown above and may be amended from time to time.
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Introduction
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Definitions
2.1 In these Terms and Conditions, unless the context otherwise requires:
Lounge invitation definitions
Yes
No
Not applicable
Term
Definition
Invitation
means a Complimentary Lounge Invitation sent by Qantas or through an authorised third party to an Eligible Customer for Lounge Access.
Eligible Customers
means customers who have received a Complimentary Invitation directly from Qantas, received via direct transfer from another Eligible Customer, or through an authorised third party.
Eligible Flights
means the flight(s) specified in the Complimentary Lounge Invitation and excludes Group Bookings and industry discounted flights used by airline employees and beneficiaries.
Eligible Lounge
means the relevant departure lounge specified in the Complimentary Lounge Invitation.
Lounge Access
means access for Eligible Customers to an Eligible Lounge before the next onward Eligible Flight on that day.
Portal
is the Complimentary Lounge Invitation portal where Complimentary Lounge Invitations may be viewed and linked to an Eligible Flight.
Qantas (also referred to as 'us')
means Qantas Airways Limited ABN 16 009 661 901.
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Using an invitation
3.1 Invitations are sent to Eligible Customers at Qantas' absolute and sole discretion and Qantas can withdraw Invitations at any time. Invitations are only for Eligible Customers and Eligible Customers cannot bring guests, including children.
3.2 Eligible Customers who have received an Invitation will be able to view it in the Complimentary Lounge Invitation Portal. The Portal may include information about:
(a) Eligible Flights,
(b) Eligible Lounges, and
(c) Conditions relating to the use of the Complimentary Lounge Invitations.
3.3 Eligible Customers must link the Invitation to an Eligible Flight in the Portal at least 24 hours prior to flight departure. Invitations can only be used and linked once. It is the responsibility of Eligible Customers to ensure that they link their Invitation correctly and no changes can be made after Invitations have been linked, unless specified otherwise in these Terms and Conditions.
3.4 Once an Invitation has been linked to an Eligible Flight, Eligible Customers will receive an email confirmation which must be presented at the Eligible Lounge together with the boarding pass for the Eligible Flight.
3.5 It is the responsibility of the Eligible Customer to review lounge location and operating hours prior to arrival at the airport.
3.6 Invitations cannot be reinstated and are forfeited where the Eligible Customer has had a change of mind ('no show') and does not access the lounge on the day of the Eligible Flight.
3.7 Eligible Customers can access the Eligible Lounge on the day of the Eligible Flight, before departure. Lounge access is subject to space availability and Eligible Customers may be refused entry if the lounge is full. A reinstatement of the Complimentary Lounge Invitation is permitted in this situation. Entry is subject to space availability and lounge staff have full discretion to deny lounge entry due to capacity or operational reasons.
3.8 Complimentary Invitations can only be transferred by an Eligible Customer to a passenger(s) travelling on the same flight as the pass holder. This excludes Platinum One lounge passes.
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Unlinking a Complimentary Invitation - changes by an Eligible Customer
4.1 If an Eligible Customer changes the Eligible Flight (where permitted) up to 24 hours before scheduled departure, the Invitation must be unlinked from the original Eligible Flight and re-linked to a new Eligible Flight at least 24 hours prior to departure and before expiry of the Invitation.
4.2 If an Eligible Customer cancels the Eligible Flight (where permitted) up to 24 hours before scheduled departure, the Invitation must be unlinked from the original Eligible flight and re-linked to a new Eligible Flight at least 24 hours prior to departure and before expiry of the Invitation.
4.3 Invitations will become invalid and will be forfeited:
(a) when an Eligible Customer changes or cancels an Eligible Flight within 24 hours of scheduled departure;
(b) when an Eligible Customer links an Invitation to an Eligible Flight but does not access the Eligible Lounge; or
(c) on expiry of the Invitation.
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Unlinking a Complimentary Invitation - changes by an Eligible Customer
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Unlinking a Complimentary Invitation - changes by Qantas
5.1 If Qantas changes the Eligible Flight up to 24 hours before scheduled departure, the Invitation must be unlinked from the original Eligible Flight and re-linked to a new Eligible Flight at least 24 hours prior to departure and before expiry of the Invitation.
5.2 If Qantas cancels the Eligible Flight up to 24 hours before scheduled departure, the Invitation must be unlinked from the original Eligible flight and re-linked to a new Eligible Flight at least 24 hours prior to departure and before expiry of the Invitation.
5.3 If Qantas changes the Eligible Flight within 24 hours of scheduled departure, the Invitation will be automatically linked to a new Eligible Flight.
5.4 If Qantas cancels the Eligible Flight within 24 hours of scheduled departure, Eligible Customers can request for the Invitation to be reinstated.
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Expiry
6.1 The expiry date of an Invitation can be found in the Portal.
6.2 Invitations must be used before the expiry date.
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Accessing the Eligible Lounge
7.1 Lounge Access is subject to these Terms and Conditions and to the Lounge entry terms and conditions.
7.2 Where Eligible Customers are declined Lounge Access due to capacity or operational reasons, they may request for a reinstatement of the Invitation, which is at Qantas' reasonable discretion.
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Other Conditions
8.1 Invitations cannot be sold or exchanged for Cash or Qantas Points.
8.2 Qantas may withdraw Invitations at any time if an Eligible Customer materially breaches these Terms and Conditions or the Lounge entry terms and conditions.
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Source: https://www.qantas.com/au/en/qantas-experience/at-the-airport/airport-lounges/terms-conditions.html
Lounge entry terms and conditions
Entry into a Qantas branded lounge is subject to the following terms and conditions.
Effective 1 July 2026
On this page
Eligibility
1.1 Qantas Lounge access eligibility is conditional and based on the class of travel for your next onward flight, the Frequent Flyer Membership tier or your Qantas Club membership status.
1.2 Eligible guests can access the lounge once only for an onward flight and must be accompanied by the eligible customer.
1.3 Entry is subject to space availability and lounge staff have full discretion to deny lounge entry due to capacity or operational reasons.
1.4 Qantas staff have the discretion to refuse entry to person at any time if, in their reasonable opinion, the person has not or will not comply with these terms and conditions, or the refusal is necessary or convenient for the orderly operation of the lounge or other facilities or the safety or comfort of others.
1.5 Smart, casual dress standards apply as a minimum at all times and entry may be refused if customers do not meet that standard. Bare feet or clothing with offensive images or slogans are not acceptable. In addition, individual lounges may have rules regarding specific items of clothing which are not acceptable. Individual lounge managers will have discretion to administer these standards as they reasonably deem appropriate in the circumstances.
1.6 You may be required to show identification when entering the lounge to confirm your eligibility. For example you may be required to show your Qantas Club membership card or photo identification.
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Lounge etiquette
2.1 Lounge operating hours are subject to change and are determined by Qantas in its absolute discretion.
2.2 When in the lounge, you must be respectful to all staff, other customers and guests.
2.3 You’re responsible for ensuring you have enough time to board your flight.
2.4 You must adhere to Qantas Dress Guidelines to enter the lounge.
2.5 While in the lounge, children under 18 years must be accompanied by an adult at all times.
2.6 Customers under the legal drinking age must be accompanied by an adult in any Qantas operated lounge. Legal drinking age may vary in different jurisdictions and countries.
2.7 Responsible service of alcohol requirements apply:
(a) You must not drink excessively.
(b) Unruly behaviour (including due to the consumption of alcohol) isn’t acceptable.
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General
3.1 Personal information is collected upon entry and a condition of entry is that you acknowledge Qantas will collect and use the information you provide to Qantas for the purpose of Qantas or any of its related bodies corporate providing services to you, including for:
(a) operational and safety reasons; and
(b) to assess Qantas Lounge access eligibility.
This information may be transferred to or from Australia for these purposes. If all or any part of requested information is not provided, the relevant services may be affected. For more information of Qantas’ Privacy Policy, including how to access your information, refer to qantas.com.
3.2 All federal, state and/or territory laws and regulations applicable to the lounge location will apply, including laws, regulations and additional conditions that are applicable to hospitality venues.
3.3 You are liable for any loss or damage Qantas incurs as a result of your wilful or reckless damage to the lounge and any furnishings or equipment, except to the extent that Qantas has contributed to the loss or damage.
3.4 To the extent permitted by law, Qantas shall not be liable to any lounge user for any direct or indirect loss, damage, personal injury, property damage or expense that may be incurred in connection with access to the lounge (including any such loss, damage, injury or expense suffered in connection with the supply of goods or services by third parties), save to the extent such loss or damage arises directly from any breach of these Terms and Condition or the law, negligence or wilful misconduct by Qantas.
3.5 Qantas acknowledges that certain jurisdictions’ laws imply terms, conditions or warranties into contracts for the supply of goods or services that cannot be excluded. For example, for consumers in Australia, certain services come with statutory guarantees under the Competition and Consumer Act 2010 (Cth) that they will be provided with due care and skill and be reasonably fit for their purpose. Clause 3.4 is not intended to exclude or restrict the application of such laws.
3.6 Individual lounge opening hours may vary by location.
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Lounge invitations
4.1 If you've received a Complimentary Lounge Invitation, refer to the Complimentary Lounge Invitation terms and conditions for more information.
4.2 If you've purchased a Qantas Lounge Pass, refer to the Qantas Lounge Pass terms and conditions for more information.
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The Qantas Club
5.1 Refer to The Qantas Club terms and conditions and the Qantas Club Flexible terms and conditions for more information on eligibility.
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The Qantas Club
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Source: https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf
St.George Credit Cards Complimentary Insurance Policy Information Booklet Effective date:1 March 2023
3 Claims and Enquiries You can contact Allianz Global Assistance for claims and enquiries using the contact details below. Online: Access claim forms and lodge your travel claim, 24 hours a day, 7 days a week at: insurance.agaassistance.com.au/stgeorge Within Australia Phone: 1800 091 710 Monday to Friday: 8am to 8pm AEST Saturday: 8am to 5pm AEST E-mail: cardclaims@allianz-assistance.com.au 24-Hour Emergency Assistance Please call emergency services immediately if your condition is life threatening. Allianz Global Assistance Within Australia: 1800 227 773 From overseas: +61 7 3305 7468 Please note, additional charges may apply for any calls made from mobiles, public telephones or hotel rooms. Letter of Eligibility for International Travel Insurance You can obtain written confirmation of eligibility for cover for your overseas journey based on the answers you give us , by applying online at: checkyourcover.com.au/stgeorge If you provide us with incorrect answers to the questions we ask you, you may not be eligible for cover under the group policy issued to St.George Bank.
4 Changes to this Booklet The information in this booklet is correct and current as at the date on the cover however, from time to time it is subject to change. Any changes to terms and conditions related to insurance coverage will be communicated to you in writing. Any minor changes unrelated to insurance coverage will be published on St.George Bank’s website at: stgeorge.com.au The insurer is: Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 Level 16, 10 Carrington Street, Sydney, NSW 2000. Telephone: 13 10 00 The group policy is issued and managed by: AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance Level 16, 310 Ann Street, Brisbane, QLD 4000. Telephone: 1800 091 710
5 Contents Important information about the complimentary covers available ������������� 8 Introduction �������������������������������������������������������������������������������������������������������������������������� 8 Allianz – the insurer ������������������������������������������������������������������������������������������������������������ 8 St � George bank is not the issuer (insurer) of these covers ���������������������������������� 9 Termination or variation of cover ���������������������������������������������������������������������������������� 9 Other insurances ���������������������������������������������������������������������������������������������������������������� 9 Limitation of cover ���������������������������������������������������������������������������������������������������������� 10 Allianz Global Assistance Privacy Notice ��������������������������������������������������������� 10 Definitions ������������������������������������������������������������������������������������������������������������������ 12 International Travel Insurance (for persons aged under 81 years) ����������� 21 Part A – Eligibility for Cover ����������������������������������������������������������������������������������������� 21 Part B – Period of Cover � ������������������������������������������������������������������������������������������������ 23 Part C – Benefits Limits ������������������������������������������������������������������������������������������������� 24 Part D – Excesses and General Exclusions � ������������������������������������������������������������ 28 Excesses – what you contribute to a claim ..................................................... 28 General exclusions ........................................................................................... 29 Part E – The Cover Available ���������������������������������������������������������������������������������������� 32 Epidemics and Pandemics (such as COVID-19) ............................................. 32 Pre-existing medical conditions ...................................................................... 33 Pre-existing medical conditions that are covered (some restrictions apply) 34 Pregnancy ......................................................................................................... 35 Emergency and medical services while overseas .......................................... 38 Travelling overseas ........................................................................................... 38 Section 1.1 Overseas emergency assistance ................................................ 39 Section 1.2 Overseas emergency medical ..................................................... 40 Section 1.3 Overseas emergency dental (spontaneous toothache) ............. 42 Section 1.4 Evacuation & repatriation ........................................................... 43 Section 1.5 Hospital cash allowance .............................................................. 43 Section 1.6 Accidental death .......................................................................... 44 Section 1.7 Funeral expenses ......................................................................... 44
6 Section 1.8 Loss of income ............................................................................. 45 Section 1.9 Assault requiring hospital admission .......................................... 45 Section 2.1 Cancellation ................................................................................. 46 Section 3.1 Additional expenses .................................................................... 50 Section 3.2 Travel delay expenses ................................................................. 53 Section 3.3 Alternative transport expenses .................................................. 53 Section 3.4 Return home & resumption of journey following death of a relative ........................................................................................... 54 Section 3.5 Domestic pets .............................................................................. 55 Section 3.6 Hijack ............................................................................................ 55 Section 3.7 Kidnap & ransom ......................................................................... 55 Section 4.1 Luggage ....................................................................................... 56 Section 4.2 Travel documents, transaction cards & travellers cheques ...... 60 Section 4.3 Luggage delay .............................................................................. 61 Section 5.1 Rental vehicle excess .................................................................. 62 Section 6.1 Personal liability ........................................................................... 63 Overseas Transit Accident Insurance ���������������������������������������������������������������� 65 Part A – Eligibility for Cover ����������������������������������������������������������������������������������������� 65 Part B – Period of Cover � ������������������������������������������������������������������������������������������������ 66 Part C – Benefit Limits ��������������������������������������������������������������������������������������������������� 66 Aggregate limit of liability ................................................................................ 66 Maximum benefit amounts .............................................................................. 67 Part D – Excess and Exclusions ���������������������������������������������������������������������������������� 68 Part E – The cover available ����������������������������������������������������������������������������������������� 69 Interstate Flight Inconvenience Insurance ������������������������������������������������������ 70 Part A – Eligibility for Cover ����������������������������������������������������������������������������������������� 70 Part B – Period of Cover � ������������������������������������������������������������������������������������������������ 71 Part C – Benefit Limits ��������������������������������������������������������������������������������������������������� 72 Part D – Excesses and General Exclusions � ������������������������������������������������������������ 73 Part E – The cover available ����������������������������������������������������������������������������������������� 75 Section 1.1 Cancellation ................................................................................. 75 Section 2.1 Flight delay ................................................................................... 77
7 Section 3.1 Luggage ....................................................................................... 77 Section 3.2 Luggage delay .............................................................................. 81 Section 4.1 Funeral expenses ......................................................................... 81 Rental Vehicle Excess in Australia Insurance �������������������������������������������������� 82 Part A – Eligibility for Cover ����������������������������������������������������������������������������������������� 82 Part B – Period of Cover � ������������������������������������������������������������������������������������������������ 82 Part C – Benefit Limits ��������������������������������������������������������������������������������������������������� 82 Part D – Excess and Exclusions ���������������������������������������������������������������������������������� 83 Part E – The cover available ����������������������������������������������������������������������������������������� 84 Purchase Protection Insurance ���������������������������������������������������������������������������� 85 Part A – Eligibility for Cover ����������������������������������������������������������������������������������������� 85 Part B – Period of Cover � ������������������������������������������������������������������������������������������������ 85 Part C – Benefit Limits ��������������������������������������������������������������������������������������������������� 86 Part D – Excess and Exclusions ���������������������������������������������������������������������������������� 86 Part E – The cover available ����������������������������������������������������������������������������������������� 88 Extended Warranty Insurance � ����������������������������������������������������������������������������� 90 Part A - Eligibility for Cover ������������������������������������������������������������������������������������������ 90 Part B – Period of Cover � ������������������������������������������������������������������������������������������������ 90 Part C – Benefit Limits ��������������������������������������������������������������������������������������������������� 91 Part D – Excess and Exclusions ���������������������������������������������������������������������������������� 91 Part E – The cover available ����������������������������������������������������������������������������������������� 92 Claims �������������������������������������������������������������������������������������������������������������������������� 93 How to make a claim ������������������������������������������������������������������������������������������������������� 93 Depreciation ..................................................................................................... 95 Claims are payable in Australian dollars ......................................................... 95 You should not admit fault or liability .............................................................. 96 Recovery ........................................................................................................... 96 How GST may affect your claim ...................................................................... 97 Fraud ................................................................................................................. 97 Complaints & disputes �������������������������������������������������������������������������������������������� 98 General Insurance Code of Practice ������������������������������������������������������������������� 98
8 Important information about the complimentary covers available Introduction This booklet describes the complimentary insurance benefits provided by Allianz, which are available to St.George Bank card cardholders and other eligible beneficiaries. Cover applies to events occurring on or after 1 March, 2023 . You are not covered for events occurring after termination of or the expiry of the period of the group policy. St.George Bank will provide accountholders with details of any replacement cover. Allianz – the insurer These covers are available under a group policy issued to Westpac Banking Corporation, ABN 33 007 457 141, AFSL and Australian credit licence No 233714, trading as St.George Bank (St.George Bank), of 275 Kent Street, Sydney, NSW 2000, by AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance of 310 Ann Street, Brisbane QLD 4000 (Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708, Level 16, 10 Carrington Street, Sydney, NSW 2000. (Allianz). For general enquiries call Allianz Global Assistance. Allianz Global Assistance issues and manages the group policy on behalf of Allianz. The covers described in this booklet are available for your benefit under a group policy entered into between Allianz Global Assistance and St.George Bank. St.George Bank is the policy owner. When eligible, you have the benefit of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth). There is no obligation to accept any of these benefits. However, if you wish to claim any of these benefits, you will be bound by the definitions, terms, conditions, exclusions, limits, applicable sub-limits and claims procedures contained in this booklet. Please read this booklet carefully and keep it in a safe place . Also please keep detailed particulars and proof of any loss including the sales receipts and St.George Bank card account statements showing any purchases.
9 St � George bank is not the issuer (insurer) of these covers St.George Bank is not the issuer of these covers and neither it nor any of its related corporations guarantee or are liable to pay any of the benefits under these covers. These benefits are available to the beneficiaries upon meeting the eligibility requirements under these covers. Neither St.George nor any of its related corporations are Authorised Representatives of Allianz, Allianz Global Assistance or any of their related companies and St.George Bank does not receive any commission or remuneration in relation to the insurance set out in this booklet. Termination or variation of cover St.George Bank or Allianz Global Assistance may terminate any one or all of the covers described in this booklet, and if so St.George Bank will notify accountholders of the termination or change in writing. The existing cover will only apply to events occurring before the date of change or termination. No cover is available for events occurring after the date of termination. St.George Bank will provide accountholders with details of any replacement cover. Other insurances If you are entitled to receive a benefit or make a claim under another insurance policy (Other Policy) (for example, a comprehensive travel insurance policy for your overseas journey), in respect of the same loss as your claim under the group policy, then, subject to the provisions of the Insurance Contracts Act 1984 (Cth) Allianz is not liable to provide indemnity under the group policy until the amount of any indemnity under that Other Policy is exhausted. In other words, any cover available under the group policy in respect of the same loss shall only be excess insurance cover over and above the applicable Other Policy. If you make a claim under another insurance policy and you are not paid the full amount of the claim, then, subject to the provisions of the Insurance Contracts Act 1984 (Cth), the cover available to you under the group policy will make up the difference, to the extent of cover that applies, in accordance with the terms and conditions contained in this booklet. We may seek contribution from your other insurer. You must give us any information that we reasonably require to help us make a claim from the other insurer.
10 Limitation of cover Irrespective of any other provision of the policy, we shall not be deemed to provide cover or be liable to pay any claim or provide any benefit (including a refund on premium) hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would contravene or otherwise expose us to the risk of any penalty, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, New Zealand, the European Union, United Kingdom or United States of America. Allianz Global Assistance Privacy Notice To offer or provide you with our insurance services, we, namely AWP Australia Pty Ltd ABN 52 097 227 177 trading as ‘Allianz Global Assistance’ and as agent for the insurer Allianz, collects, stores, uses, and discloses your personal information including sensitive information. The insurance cover arises from a group policy taken out between your bank (St.George Bank) and Allianz and under which you are entitled to cover as a beneficiary when you meet the eligibility criteria set out in the group policy wording. We usually collect your personal information directly from you, but sometimes from others depending upon the circumstances. For example, when you make a claim for cover, we may collect your personal information from you, the group policy holder to check you have met eligibility requirements, your family members and travel companions, as well as from third parties that provide services including doctors, hospitals, airlines, travel and accommodation providers, your agents and representatives, our agents, and other service providers. We are responsible for ensuring your personal information is used and protected in accordance with applicable laws and regulations, including the Privacy Act 1988 (Cth). We collect your personal information to enable us to properly assess and manage your insurance claim, and to provide the services we have agreed to provide under the group policy. For example, we collect your name, address, date of birth, email address, and sometimes your medical information, bank account details, as well as other information we collect through devices like ‘cookies’ when you visit our website such as your IP address and online preferences.
11 We use your personal information to offer and provide our services and to manage your and our rights and obligations in connection with your claim. For instance, we use it to check, process, and finalise your insurance claim. We may also use it for product development, customer data analytics, research, IT systems maintenance and development, recovery against third parties, for the detection and investigation of fraud, and for other purposes with your consent or where permitted by law. We do not use your personal or sensitive information for marketing purposes or provide that information to any third parties for marketing. Your personal information may be disclosed to third parties (some of whom are data processors) who assist us to carry out the above activities both inside and outside of Australia, such as claims management providers, travel agents and intermediaries, insurers, investigators, cost containment providers, medical and health service providers, overseas data storage (including ‘cloud’ storage) and data handling providers, legal and other professional advisers, your agents, your travel group leader if you travel in a group, your bank (St.George Bank) if you are the beneficiary of the bank’s credit card insurances, insurance reference bureaux, and our related and group companies including Allianz. Some of these third parties may be located in other countries including in Europe, Asia, Canada, or the USA. When you provide personal information to us about other individuals, we rely on you to have first obtained the individual’s consent, and to have made them aware of the matters set out in this Privacy Notice. You may also seek access to your personal data and ask us to correct and update it. We will delete your personal data when we no longer need it for a legitimate purpose. You may not access or correct personal information of others unless you have been authorised by their express consent, or unless they are your dependants under 16 years of age. If you have a request or complaint concerning your personal information or about data privacy, please contact: The Privacy Officer, Allianz Global Assistance, PO Box 162, Toowong, QLD 4066, or email DataPrivacyAU@allianz-assistance.com.au . You can also contact the Privacy Commissioner at the Office of The Australian Information Commissioner, GPO Box 5218, Sydney, NSW 2001 if you have a complaint.
12 For more information about our corporate privacy policy and handling of personal information, including further details about access, correction and complaints, please visit our website at allianz-assistance.com.au and click on the ‘Privacy & Security’ link in the footer. If you do not agree with the matters set out in our privacy policy or will not provide us with the personal information we request, we may not be able to provide you with our services including the assessment and payment of any claims. In cases where we cannot comply with your request concerning your personal information, we will give you reasons why. Definitions There are some words in this booklet that have a special meaning. These words and their meanings are set out in the table below. Headings have been included for ease of reference but do not form part of the terms and conditions of the cover available. Word Meaning WW accidental accidentally a sudden, unforeseen and unintended event. accountholder a St.George Bank customer, being an individual, business entity or company, who has entered into a card account with St.George Bank and in whose name the card account was opened. The accountholder is the individual, business entity or company that has contractual obligations with St.George Bank under the card account. Allianz Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708. Allianz Global Assistance AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631. card a current and valid Level 1 Card or Level 2 Card issued by St.George Bank.
13 Word Meaning card account • A current and valid St.George Bank card facility provided by St.George Bank to which purchases made by cardholders on a St.George Bank card are charged; or • the primary account linked to a St.George Bank card to which a transaction is routed by any electronic funds transfer facility. cardholder a person who resides in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency), to whom St.George Bank has issued a St.George Bank card. chronic a persistent and lasting condition. It may have a pattern of relapse and remission. concealed storage compartment a boot, trunk, glove box, enclosed centre console, or concealed cargo area of a vehicle. covered breakdown the failure of a covered product to operate for the purpose for which it was designed, as a direct result of a breakdown or defect. This does not include where the breakdown or defect is covered by the terms of the manufacturer’s warranty.
14 Word Meaning covered item an item acquired for personal, domestic or household use but excludes: • items acquired for the purpose of sale or trade; • animals or plant life; • boats, automobiles, motorboats, motorcycles, airplanes or any other motorised vehicles and their integral parts and installed accessories; • computer software and other non-tangible items; • cash, bullion, negotiable instruments, vouchers, gift cards, securities, trading cards, tickets of any description, travellers cheques or collections such as stamps, coins and cards; • consumable or perishable items (including but not limited to food, drink, drugs, cosmetics, fuel or oil); • manuscripts and books of account; • second-hand items including works of art and antiques; • items of contraband; • real estate and movable fixtures or fittings (including but not limited to dish washers, stoves, ovens and fixed air conditioners) which are or are intended to form part of any home or real estate. covered product a new domestic appliance product purchased in Australia that has a manufacturer’s warranty of at least six (6) months and of no more than five (5) years. It does not include any other product.
15 Word Meaning dependant • your child (including step-child, adopted child, foster child and child you care for under a legal guardian arrangement), not in full-time employment who is aged under twenty five (25) years at the time that their eligibility for cover is met; or • all persons who are physically or mentally incapable of self-support who the cardholder has custody of and who live with the cardholder. Dependant does not include any person other than those listed. epidemic an infectious disease that rapidly spreads to a large number of people in a community, population or region. excess the deduction we will make from the amount otherwise payable for each claimable incident or event. financial default insolvency, bankruptcy, provisional liquidation, financial collapse, appointment of receivers, or any other form of insolvency administration or the happening of anything of a similar nature under the laws of any jurisdiction. funeral expenses the costs charged by a funeral director for arranging a funeral service and by a cemetery for a burial or a crematorium for a cremation. It does not include the cost of memorialisation or any other costs. home the place where you normally live in Australia. hospital an established hospital registered under any legislation that applies to it, that provides in-patient medical care. It does not include any institution used primarily as a nursing or convalescent home, or a place for the treatment of alcoholism, drug addiction or substance addiction. income the amount of money you earn from your employment in a trade, business, profession or occupation after the deduction of income tax.
16 Word Meaning injure injured injury bodily injury caused solely and directly by violent, accidental, visible and external means, which happens at a definite time and place during the period of cover available and does not result from any illness, sickness or disease. interstate flight return travel on a registered and scheduled commercial passenger airline from any Australian state or territory to another Australian state or territory. journey travel which begins when you leave home or your place of business to commence your travel and ends when you arrive back home or at a hospital or nursing home in Australia (if you are evacuated or repatriated), whichever happens earlier. kidnap kidnapped your actual taking away against your will to hold you in false imprisonment without legal authority for the purpose of demanding ransom. Level 1 Card the following St.George issued credit cards: • Amplify Signature; • Vertigo Platinum (previously known as Platinum Visa); • Platinum Mastercard; and • Visa Platinum Private Clients. Level 2 Card the following St.George issued credit cards: • Amplify Platinum; • Platinum Advantage Visa; • Gold Low Rate Visa; • Gold Low Rate Mastercard • Gold Advantage Visa; and • Gold Advantage Mastercard. loss of as used with reference to hand or foot means severance through or above the wrist or ankle joint. manufacturer’s warranty the manufacturer’s written warranty, properly registered with the manufacturer, that is applicable and able to be fulfilled within Australia.
17 Word Meaning medical adviser a doctor, a clinical psychologist or a dentist, who is not you, your travel companion or a relative or an employee of you, your travel companion or a relative, holding the necessary certification for the country in which they are currently practicing and qualified to give the diagnosis being provided. medical expenses reasonable expenses incurred for: • medical, paramedical or surgical treatment and other treatment given or prescribed by a medical adviser; or • ambulance or hospital charges; or • dental treatment arising as a result of an injury. mental illness any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders (used by clinicians and psychiatrists to diagnose psychiatric illnesses – see psychiatry.org/psychiatrists/practice/dsm or consult your medical adviser). motorcycle any two-wheeled or three-wheeled motor vehicle. natural disaster any event or force of nature that has catastrophic consequences, such as avalanche, earthquake, flood, bush fire, hurricane, tornado, cyclone, tsunami and volcanic eruption, but not epidemics or pandemics. overseas outside of Australia and its territories, and includes when you are aboard a foreign registered cruise vessel in Australian territorial waters. pandemic an epidemic that spreads to multiple countries, continents, or worldwide.
18 Word Meaning pre-existing medical condition a condition of which a reasonable person in the circumstances, should have been aware at the time eligibility for the cover available was met, including: • any dental condition; or • any physical condition; or • pregnancy; or • any lifelong illness; or • any chronic illness; or • any mental illness; or • any current or previously treated cancer, or any condition which, in the last two (2) years at the time eligibility for the cover available was met: • was treated by surgery (including day surgery); or • required regular medication; or • required on-going treatment; or • was referred to a specialist medical adviser; or • had regular reviews or check-ups; or • caused admission to hospital; or • was treated at a hospital emergency department or out-patient clinic. quad bike a motorised vehicle designed to travel on four or more wheels, having a seat straddled by the operator and handlebars for steering control. ransom cash, negotiable instruments, and/or marketable goods surrendered by or on behalf of you to facilitate the ending of a kidnap incident. reasonable • for medical expenses, the standard level given in the country you are in not exceeding the level you would normally receive in Australia; • for other covered expenses, a level comparable to those you have booked for the rest of your journey; or • reasonable, having regard to the circumstances.
19 Word Meaning Reciprocal Health Care Agreement an agreement between the Government of Australia and the government of another country where Australian residents are provided with subsidised essential medical treatment. (Please visit dfat.gov.au for details of Reciprocal Health Care Agreements with Australia). relative • spouse, fiance, fiancee; • parent, parent-in-law; step parent, guardian; grandparent; • child, grandchild, step child, foster child, ward; • brother, half brother, step brother, brother-in-law, sister, half sister, step sister, sister-in-law; • daughter-in-law, son-in-law; or • uncle, aunt, niece, nephew. Relative does not include any other person. rental vehicle a campervan/motorhome that does not exceed 4.5 tonnes, a sedan, coupe, hatchback, station-wagon, SUV, four wheel drive or mini bus/people mover rented from a licensed motor vehicle rental company or agency. Rental vehicle does not include any other vehicle irrespective of type or weight. return overseas travel ticket a ticket from Australia and return to Australia. sick, sickness a medical condition (including a mental illness), not being an injury, the signs or symptoms of which first occur or manifest during the period of cover available. special event a wedding, funeral, 25th or 50th wedding anniversary, pre-paid conference, pre-paid sporting event, pre-paid concert, pre-paid cruise, pre-paid dinner or pre-paid tour which before you left Australia you had planned to attend. Special event does not include any other event. sporting equipment equipment needed and used to participate in a particular sport and which can be carried about with you.
20 Word Meaning spouse the partner of the cardholder who is in a permanent relationship with the cardholder at the time the journey or trip starts. St.George Bank St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141, AFSL and Australian credit licence 233714. transaction card a debit card, credit card or travel money card. transportation an aircraft, vehicle, taxi, train, bus or short-haul ferry (but not a cruise ship) that is licensed or authorised to carry fare-paying passengers. Transportation does not include any other means of transport. travel companion a person with whom you made arrangements before the journey began, to travel with you for at least fifty per cent (50%) of the period of cover available for your journey. Travel companion does not include any other person. trip an overseas passage by the cardholder and their spouse and/or dependants as fare paying passengers on transportation. unlimited there is no capped dollar sum insured. Terms, conditions, exclusions, limits and applicable sub-limits apply – refer to Part E – The Cover Available and Part D – Excesses and General Exclusions in this Policy Information Booklet. valuables jewellery, watches, precious metals or semi-precious stones/precious stones and items made of or containing precious metals or semi-precious stones/precious stones, furs, binoculars, telescopes, computer games, any kind of photographic, audio, video, computer, television, fax and phone equipment (including mobile phones), tablets, MP3/4 players and PDAs. Westpac Westpac Banking Corporation, ABN 33 007 457 141, AFSL and Australian credit licence 233714.
21 Word Meaning we, our, us Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708 and its agent AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance. you, your, yourself cardholder, spouse or dependants if they are eligible for the cover available. International Travel Insurance (for persons aged under 81 years) Part A – Eligibility for Cover Not all insurance covers are available for all St.George Bank cards or all cardholders and different conditions may also be available for different cardholders, so please refer to each Part of this insurance to determine the complimentary insurance benefits that may be available to you. Eligibility for the cover available depends upon the type of St.George Bank card you have. Who is eligible? As a cardholder with a Level 1 Card or Level 2 Card you are eligible for the cover available under this International Travel Insurance when you meet all of the following criteria:
- you reside in Australia and your journey begins and ends in Australia; and
- before leaving Australia you spend at least $500 on your prepaid travel costs (i.e. your travel costs that you pay for before leaving Australia) and you charge these costs (e.g. cost of your return overseas travel ticket; and/or airport/departure taxes; and/or your prepaid overseas accommodation/ travel; and/or your other prepaid overseas itinerary items) to the accountholder’s card account; and
- you have a return overseas travel ticket before you leave Australia; and
22 4. you are aged under eighty one (81) years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above. Who else is eligible? If the cardholder becomes eligible for the cover available, a spouse and/or dependant(s) also becomes eligible, when each of them individually meets all of the following eligibility criteria:
- the spouse and/or dependants reside in Australia and their journey begins and ends in Australia; and
- each of the spouse and/or dependants is travelling with the cardholder for at least fifty per cent (50%) of the period of cover available to the cardholder for the cardholder’s overseas journey; and
- before leaving Australia at least $500 of each of the spouse and/or dependant’s prepaid travel costs (e.g. cost of return overseas travel ticket; and/or airport/departure taxes; and/or prepaid overseas accommodation/ travel; and/or other prepaid overseas itinerary items) are charged to the accountholder’s card account; and
- each of the spouse and/or dependants has a return overseas travel ticket before they leave Australia; and
- each of the spouse and/or dependants are aged under eighty one (81) years at the time they each become eligible for the cover available by meeting conditions 1 to 4 listed above. Dependants under the age of two years at the date the journey commences If a cardholder satisfies the eligibility criteria set out above, their dependant(s) under the age of two (2) years as at the date the journey commences is eligible for the cover provided the dependant is travelling with the cardholder for at least fifty per cent (50%) of the period of cover available to the cardholder for the cardholder’s overseas journey. No cover is available for dependants born on the journey. Refer to the Pregnancy section in Part E – The Cover Available.
23 When a cardholder, spouse and dependant are travelling together only one eligible person can claim the benefits payable to a cardholder. The other eligible persons may only claim as a spouse or dependant. Part B – Period of Cover If you have met all the criteria listed under Part A – Eligibility for Cover before leaving Australia, the following maximum period of cover is available for your journey. Card Period of Cover Level 1 Cards Up to six (6) consecutive months for cardholders, their spouses and/or dependants Level 2 Cards Up to three (3) consecutive months for cardholders, their spouses and/or dependants The maximum period of cover available for your journey cannot be extended by you. The period of cover available under SECTION 2.1 CANCELLATION begins on the date you become eligible by meeting the criteria set out in Part A – Eligibility for Cover. Provided you meet the eligibility criteria set out in Part A – Eligibility for Cover, the period of cover available for all other insured events commences when you leave your home to start your journey or on the departure date shown on your return overseas travel ticket, whichever occurs later. Cover available under all sections ends when the first of the following occurs: • when you return to your home; or • when you arrive at a hospital or nursing home in Australia (if you are evacuated or repatriated); or • at midnight on the date when you are due to return to your home as shown on your return overseas travel ticket; or • six (6) consecutive months for Level 1 Card cardholders, spouses and/or dependants or three (3) consecutive months for Level 2 Card cardholders, spouses and/or dependants after the date of departure shown on your return overseas travel tickets; or • when you cancel your return overseas travel ticket.
24 If you have a return overseas travel ticket and your return to Australia is delayed because of a covered event, or because your scheduled means of transport is delayed for reasons beyond your control: • the period of cover available will automatically be extended by us for up to four (4) consecutive weeks; or • if you are under the care of a medical adviser overseas, who certifies in writing that you are incapable of travel at the end of the additional four (4) consecutive weeks, cover will continue for medical expenses and evacuation for up to twelve (12) consecutive months from the date of your departure from Australia; or • until you are fit to return to your home, whichever occurs first. Part C – Benefits Limits The table below sets out the amounts and maximum limits of what we will pay under each section of International Travel Insurance. All limits and sub-limits in the table are shown in Australian dollars. The cover available is outlined in Part E and is subject to the applicable terms, conditions, exclusions, limits and applicable sub-limits. This is a summary only. ~Where used, the term ‘Unlimited’ means there is no capped dollar sum insured. Terms, conditions, exclusions, limits and applicable sub-limits apply – refer to Part E – The Cover Available and Part D – Excesses and General Exclusions in this policy information booklet. All costs and expenses claimed must be necessary and reasonable. We will only pay for treatment received and/or hospital accommodation during the twelve (12) consecutive month period after the sickness first showed itself or the injury happened.
25 Section Limit Level 1 Cards and Level 2 Cards 1 � 1 Overseas Emergency Assistance Unlimited~ 1 � 2 Overseas Emergency Medical Unlimited~ 1 � 3 Overseas Emergency Dental (spontaneous toothache) Emergency dental treatment for sudden and acute pain to natural teeth (spontaneous toothache) up to a maximum total limit of $2,000 per person. 1 � 4 Evacuation & Repatriation Unlimited~ 1 � 5 Hospital Cash Allowance $100 per person per day up to a maximum total limit of $15,000 per person. 1 � 6 Accidental Death $50,000 per cardholder $25,000 per spouse $25,000 per dependant Up to a maximum total limit of $150,000. 1 � 7 Funeral Expenses Unlimited~ 1 � 8 Loss of Income Your verified income, up to $1,000 per person per week for a cardholder and spouse, limited to twelve (12) consecutive weeks incapacity and a maximum of $12,000 for all claims combined. 1 � 9 Assault requiring Hospital Admission $500 per person 2 � 1 Cancellation Unlimited~ except: 2 � 1 � 1 a] Travel agents cancellation fees • For travel agent’s cancellation fee which is limited to an amount equal to the lesser of $500 or 15% of the value of the travel arranged by the agent. 2 � 1 � 1 b] Accidental death of specified relative living overseas • $2,500 per person up to a maximum total limit of $5,000.
26 Section Limit Level 1 Cards and Level 2 Cards 3 � 1 Additional Expenses Unlimited~ 3 � 1 � 1 a] Additional travel & accommodation expenses due to your incapacity Unlimited~ 3 � 1 � 1 b] Emergency travel & accommodation expenses for a necessary companion Unlimited~ 3 � 1 � 1 c] Additional travel & accommodation expenses due to your travel companions incapacity Unlimited~ 3 � 1 � 1 d] Expenses due to your evacuation or repatriation home Unlimited~ 3 � 1 � 1 e] Repatriation of dependants left without supervision Unlimited~ 3 � 1 � 1 f] Additional travel & accommodation expenses due to specified events Unlimited~ 3 � 2 Travel Delay Expenses After six (6) consecutive hours delay, up to $500 per person for meal and accommodation expenses up to a maximum total limit of $1,100 for a cardholder travelling with their spouse and/or dependants. 3 � 3 Alternative Transport Expenses Up to a maximum total limit of $3,750. 3 � 4 Return Home & Resumption of Journey following Death of a Relative Up to $5,750 per person up to a maximum total limit of $12,500 for a cardholder travelling with their spouse and/or dependants.
27 Section Limit Level 1 Cards and Level 2 Cards 3 � 5 Domestic Pets Up to $50 per 24-hour period up to a maximum total limit of $500. 3 � 6 Hijack Up to $250 per person per 12-hour period. Up to a maximum total limit of $20,000 for a cardholder travelling with their spouse and/or dependants. 3 � 7 Kidnap & Ransom Up to a maximum total limit of $100,000. 4 � 1 � 1 a] Luggage Up to $20,000 per person up to a maximum total limit of $30,000 for a cardholder travelling with their spouse and/or dependants subject to the following limits: • Up to $5,000 per item for baggage, clothing, personal valuables, portable electrical equipment and binoculars; • Up to $5,500 per camera for cameras and associated equipment/accessories; • Up to $5,500 in total for laptop computers and associated equipment/accessories. 4 � 1 � 1 b] Luggage (other than valuables, left in a vehicle) Notwithstanding the above limits under sub-section 4.1.1 a], any covered items that are left unattended in a motor vehicle are only insured up to a maximum total limit of $5,000. 4 � 1 � 1 c] Luggage (valuables left in a vehicle or checked in luggage) No cover available except as in the circumstances described under 4.1.1 c] which is limited to a maximum of $5,500. 4 � 1 � 1 d] Sporting Equipment while it is in use No cover available. 4 � 2 Travel Documents, Transaction Cards & Travellers Cheques Up to $550 per person up to a maximum total limit of $1,250 for a cardholder travelling with their spouse and/ or dependants for travel documents, travellers cheques, bank notes, currency notes, postal orders, money orders, cash or transaction cards.
28 Section Limit Level 1 Cards and Level 2 Cards 4 � 3 Luggage Delay Up to $800 per person up to a maximum total limit of $1,600 for a cardholder travelling with a spouse and/or dependants. 5 � 1 Rental Vehicle Excess Up to a maximum total limit of $5,500. 6 � 1 Personal Liability Up to a maximum total limit of $2,500,000. Part D – Excesses and General Exclusions Excesses – what you contribute to a claim You must pay the following excess amounts for each claim made under the following covers even if a number of claims are submitted on the one claim form. However, if you make more than one claim as the result of a single event, the highest excess will apply but will only apply once. Section Excess amount 1 � 1 Overseas Emergency Assistance Nil 1 � 2 Overseas Emergency Medical $300 1 � 3 Overseas Emergency Dental (spontaneous toothache) $300 1 � 4 Evacuation & Repatriation $300 1 � 5 Hospital Cash Allowance $300 1 � 6 Accidental Death Nil 1 � 7 Funeral Expenses Nil 1 � 8 Loss of Income Nil 1 � 9 Assault requiring Hospital Admission Nil 2 � 1 Cancellation $300 3 � 1 Additional Expenses $300 3 � 2 Travel Delay Expenses $300 3 � 3 Alternative Transport Expenses $300
29 Section Excess amount 3 � 4 Return Home & Resumption of Journey following Death of a Relative $300 3 � 5 Domestic Pets Nil 3 � 6 Hijack Nil 3 � 7 Kidnap & Ransom Nil 4 � 1 Luggage $300 4 � 2 Travel Documents, Transaction Cards & Travellers Cheques Nil 4 � 3 Luggage Delay Nil 5 � 1 Rental Vehicle Excess $300 6 � 1 Personal Liability Nil General exclusions The general exclusions below set out what is not covered. You should also read each section as they contain specific exclusions that also apply. To the extent permitted by law we do not cover you for any loss, damage or expense arising from, caused by, or in any way related to:
- your loss of enjoyment; loss of opportunity; loss of revenue; loss of profits or loss of goodwill;
- you booking or taking travel against medical advice, travel for the purpose of getting medical treatment or advice, or travel taken after a medical adviser informs you that you are terminally ill;
- your intentional self harm or your suicide or your attempted suicide;
- your use of alcohol or drugs or any transmissible disease resulting from the giving or taking a drug, unless the use of the drug is supervised by a medical adviser;
- any expense arising: • from regular or routine antenatal care • from childbirth at any gestation (except when arising from an injury or sickness);
30 • from care of a newborn child; • after the end of the twenty sixth (26th) week of your pregnancy (the twenty sixth (26th) week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician); • from pregnancy related sickness if you have had complications in your pregnancy before you became eligible for cover; 6. your travel in any air supported device other than as a passenger in: • a fully licensed aircraft operated by an airline or charter company; or • a regulated or licensed hot air balloon; 7. your participation in any dangerous activities or your exposure of yourself to danger during your journey unless in an attempt to preserve your life or the life of another person, and includes but is not limited to activities such as: • scuba diving unless you hold an open water diving certificate or are diving with a qualified and registered diving instructor; • mountaineering or rock climbing requiring the use of ropes and/or climbing equipment, racing (other than amateur racing on foot), white water rafting, white water boating, abseiling, parasailing, skydiving, hang gliding, base jumping, bungy jumping, pot holing, canyoning, caving, fire walking, running with the bulls, rodeo riding, polo playing, hunting, shooting, archery, tobogganing, water skiing, jet skiing, off- piste snow skiing, off-piste snowboarding, snowmobiling or any other similar activity; • any kind of training for, coaching or competing in any sporting event where you are entitled to receive, or are eligible to receive, an appearance fee, wage, salary or prize money in excess of $1,000; and • quad bike or motorcycle riding during your journey unless it involves you only driving a motorcycle, with an engine capacity of 200cc or less, for which you hold a valid motorcycle licence in Australia or a licence valid for the country you are travelling in if your Australian licence is not recognised in that country; 8. illegal or criminal acts by you, your spouse, your dependants or any other person acting with your consent or under your direction; 9. your participation as a crew member or pilot of any transportation;
31 10. your or your travel companion’s failure to obtain a visa, a passport or a passport with a required minimum remaining validity; 11. the injury, illness or death of any person who is aged eighty-one (81) years or over at the time you become eligible for cover under International Travel Insurance; 12. any interference with your travel plans by any government, government regulation or prohibition or intervention or official authority; 13. changes in currency rates; 14. your failure to take reasonable care; 15. any epidemic or pandemic, unless your claim relates to you or your travel companion being positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, and cover is expressly included in the following sections: 1.1 Overseas emergency assistance 1.2 Overseas emergency medical 1.4 Evacuation & repatriation 2.1 Cancellation 3.1 Additional expenses; 16. any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military; 17. a nuclear reaction or contamination from nuclear weapons or radioactivity; 18. biological and/or chemical materials, substances, compounds or the like used directly or indirectly for the purpose of harming or to destroy human life and/or create public fear; 19. providing cover or being liable to pay any claim or provide any benefit (including a refund on premium) hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would contravene or otherwise expose us to the risk of any penalty, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, New Zealand, the European Union, United Kingdom or United States of America;
32 20. your claim arises because you or your travel companion did not follow an advice or warning that a reasonable person would have been aware of: • by an Australian government (when a ‘Reconsider your need to travel’ or ‘Do not travel’ alert is in place), which can be found on smartraveller.gov.au ; or • which was published in a reliable mass media source. Part E – The Cover Available Epidemics and Pandemics (such as COVID-19) If, during the period of cover available, you (including your spouse and/or dependants who are eligible for cover) are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, cover is available to you under the following sections: 1.1 Overseas emergency assistance 1.2 Overseas emergency medical 1.4 Evacuation & repatriation 2.1 Cancellation 3.1 Additional expenses If your travel companion is positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, which impacts your journey, cover is available to you under the following sections: 2.1 Cancellation 3.1 Additional expenses Terms, conditions, exclusions, limits and applicable sub-limits apply. Please refer to Part D – Excesses and General Exclusions and the exclusions set out in each of the above sections. For example, you will not be covered if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic while travelling against an advice or warning issued by an Australian government and you did not take reasonable care to avoid contracting the sickness (for example by delaying travel to the country or part of the country referred to in the warning), refer to General Exclusions 14 and 20 in Part D for more information. Please note, this also applies even if the Australian government has given you permission to travel or you fall under a specific exemption where there is otherwise a travel ban in place that prohibits you from travelling.
33 For all other sections and any other claim arising from, or related to, epidemics or pandemics, there is no cover. Pre-existing medical conditions Please ensure that you read the definition of pre-existing medical condition in the section headed Definitions. No cover is available for any claims arising from, related to or associated with, your pre-existing medical condition unless: a] Allianz Global Assistance has confirmed in writing to you that the pre- existing medical condition causing your claim is covered by the group policy; or b] the pre-existing medical condition meets the requirements set out under the heading PRE-EXISTING MEDICAL CONDITIONS THAT ARE COVERED (SOME RESTRICTIONS APPLY). If you have a pre-existing medical condition that is not covered, we will not pay any claims arising from, related to or associated with that condition. This means that you may have to pay for an overseas medical emergency and any associated costs, which can be prohibitive in some countries. Before going overseas, you can apply for assessment of whether your pre-existing medical condition is covered by the group policy online or over the phone. Online: checkyourcover.com.au/stgeorge Within Australia Phone: 1800 091 710 During assessment you must answer all of our questions honestly and truthfully. If you do not answer all of our questions honestly and truthfully, your pre-existing medical condition may not be covered by the group policy and any confirmation of cover issued may be invalid. If after assessment, Allianz Global Assistance confirm to you that your pre-existing medical condition is covered by the group policy, you will need to pay an administration fee of $45 for assessment by phone or an administration fee of $45 for an online assessment. After payment of any required administration fee, Allianz Global Assistance will send you written confirmation (for the period of cover available) that your pre-existing medical condition is covered by the group policy.
34 This International Travel Insurance does not cover any claim arising from the pre-existing medical conditions of your relatives, travel companion or any other person. The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met. Pre-existing medical conditions that are covered (some restrictions apply) If your condition is listed in the table, but the criteria for cover are not met, you may still apply for assessment of whether the pre-existing medical condition you have is covered by the group policy. If after assessment, Allianz Global Assistance confirm to you that your pre-existing medical condition is covered by the group policy, you will need to pay an administration fee as outlined under the heading PRE-EXISTING MEDICAL CONDITIONS. Pre-existing medical condition Requirements that must be met Acne If you have not required treatment by a medical adviser in the last three (3) consecutive months. Allergies If the condition has not required treatment by a medical adviser in the last nine (9) consecutive months and you have no known respiratory conditions e.g. Asthma. Asthma If no exacerbation requiring treatment by a medical adviser in the last twelve (12) consecutive months. Cataracts/Glaucoma If you have no ongoing complications, are not on a waiting list for an operation and have not been operated on in the last two (2) consecutive months. Coeliac Disease If the condition has not required treatment by a medical adviser in the last six (6) consecutive months.
35 Pre-existing medical condition Requirements that must be met Diabetes/Glucose Intolerance If you were diagnosed over twelve (12) consecutive months ago and have not had any complications in the last twelve (12) consecutive months. You must also have a Blood Sugar Level reading between four (4) and twelve (12) or a HbA1C score of nine per cent (9%) or less. You must also not currently be undergoing treatment for kidney, eye or nerve complications. Ear Grommets With no current infection. Epilepsy If there are no underlying medical conditions (e.g. Previous head trauma, stroke) and you have not required treatment by a medical adviser for a seizure in the last two (2) consecutive years. Gastric Reflux If the condition does not relate to another underlying diagnosis (e.g. Hernia/Gastric Ulcer). Gout If the gout has remained stable for the last nine (9) consecutive months. Hiatus Hernia If no surgery is planned. Hip/Knee Replacement If performed more than nine (9) consecutive months ago and less than ten (10) consecutive years ago. Hypertension (High Blood Pressure) If you have no known heart conditions and your current blood pressure reading is lower than one hundred and sixty five over ninety five (165/95). Pregnancy This International Travel Insurance may not be adequate for your needs if you are planning to travel beyond the twenty sixth (26th) week of your pregnancy. No cover is available for a child born during the period of cover available for your journey unless as a consequence of an injury or sickness (occurring during the period of cover available).
36 If you are pregnant when you become eligible for cover available your pregnancy will be defined as a pre-existing medical condition however, any complications of your pregnancy arising from injury or sickness occurring after you became eligible will be covered by the group policy issued to St.George Bank except if you have had complications in your pregnancy before you became eligible for the cover available. If you fall pregnant after you become eligible, you will be entitled to the cover available arising from any complications of your pregnancy caused by injury or sickness. No cover is available for: • antenatal care; • childbirth at any gestation (except when arising from an injury or sickness); • care of a newborn child; • any expenses related to your pregnancy arising after the end of the twenty sixth (26th) week of your pregnancy (the twenty sixth (26th) week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician); • pregnancy related sickness if you have had complications in your pregnancy before you became eligible for cover. These provisions apply whether you fall pregnant naturally or as a result of medical assistance (such as, through IVF treatment). Any pregnancy related expenses incurred during your journey after the end of the twenty sixth (26) week of your pregnancy will not be covered by this insurance. As a guide to the cover available for pregnancy under the group policy issued to St.George Bank, including limitations and restrictions, please read through the table below. Your pregnancy Outcome a] You are not yet pregnant however, you are attempting to become pregnant or are undergoing fertility treatment. If you become pregnant after you became eligible, cover is available for any complication arising from an injury or sickness. No cover is available for the course of any treatment you are undergoing at the time your journey commences.
37 Your pregnancy Outcome b] You will require antenatal care during the period of cover available for your journey. No cover is available for antenatal care. c] You are pregnant and are undergoing a course of treatment at the time your journey begins. No cover is available for the course of treatment you are undergoing at the time your journey commences. Cover is available, for medical expenses arising out of an injury. Cover is available for complications arising from sickness but not if you have had complications in your pregnancy before you became eligible for the cover available. d] You are injured or become sick during your journey and give birth as a consequence. Cover is available for medical expenses incurred for the treatment of your injury or sickness and the childbirth occurring as a consequence of the injury or sickness however, no cover is available for complications arising from sickness or a childbirth resulting from sickness if you have had complications in your pregnancy before you became eligible for the cover available. e] You give birth naturally during the period of cover available for your journey. No cover is available either for the childbirth or care of the newborn child. f] You travel beyond twenty six (26) weeks gestation and give birth while you are still overseas. No cover is available for the childbirth, care of the newborn child or any expenses related to your pregnancy. Emergency and medical services while overseas Please call emergency services immediately if your condition is life threatening. In the event of an emergency overseas, simply call Allianz Global Assistance at any time on +61 7 3305 7468. Please note, additional charges may apply for any calls made from mobiles, public telephones or hotel rooms.
38 Allianz Global Assistance’s team of medical professionals is available to you 24 hours a day, 7 days a week for advice and assistance in the event of a medical emergency and any associated problems which occur outside Australia. Allianz Global Assistance has access to a worldwide team of skilled doctors and medical professionals and provides the following services: • Access to medical advisers for emergency assistance and advice; • Emergency transportation to the nearest suitable hospital; • Emergency evacuation, if necessary; • If requested by you, your family in Australia will be advised of your medical condition and be kept informed of the situation; • Payment guarantees to hospitals for reasonable medical expenses and cover verification; • Second opinions on medical matters; • Urgent message service and emergency travel planning. Travelling overseas You do not have to tell us or St.George Bank that you will be travelling. Provided you meet the eligibility criteria (see Part A – Eligibility for Cover) and comply with the terms and conditions of this insurance, you will be entitled to the benefits of the cover available. In the event of an emergency overseas contact Allianz Global Assistance using the contact details shown on the inside front cover of this booklet. Allianz Global Assistance are available 24 hours a day, seven days a week. You must take all reasonable steps to prevent or minimise loss. You must take all reasonable precautions to safeguard your belongings. For example, leaving your belongings unsupervised, leaving them behind or walking away from them in a place the public has access to encourages theft and are not reasonable precautions. You must take all reasonable steps to safeguard your own safety and follow the advice and heed the warnings of any government or government agency and any official body and heed warnings broadcast in the mass media. You should take this booklet with you when travelling overseas as it contains important phone numbers and details of the cover available, together with copies of your card account statement and card receipt to establish that you
39 gained your eligibility for cover in accordance with the criteria set out in the section headed Part A – Eligibility for Cover. In the event you wish to make a claim under the cover available (especially if claiming whilst overseas), it will be necessary for you or your agents to confirm to Allianz Global Assistance or its agents that the eligibility criteria was met as previously outlined. Without this information, a claim may be delayed and it may not be possible for Allianz Global Assistance or its agents to give approval for overseas medical attention or assistance. Section 1 � 1 Overseas emergency assistance Allianz Global Assistance will help you with any overseas emergency (also see EMERGENCY AND MEDICAL SERVICES WHILE OVERSEAS above). You may contact Allianz Global Assistance 24 hours a day, 7 days a week. In addition to an overseas journey, eligible cardholders, spouses and dependants who are onboard a foreign registered vessel in Australian territorial waters will be eligible for the benefits available under this section subject to the terms, conditions, exclusions, limits and applicable sub-limits that apply. 1 � 1 � 1 Allianz Global Assistance will arrange If while overseas, during the period of cover available: a] you injure yourself or become sick (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19), provided the relevant injury or sickness is covered by the group policy; or b] require treatment for a pre-existing medical condition: • that Allianz Global Assistance has confirmed in writing is covered by the group policy: or • for which cover is available as specified in the section headed PRE-EXISTING MEDICAL CONDITIONS, Allianz Global Assistance will arrange for the following assistance services: a] access to a medical adviser for emergency medical treatment while overseas; b] any messages which need to be passed on to your family or employer in the case of an emergency;
40 c] provision of any written guarantees for payment under SECTION 1.2 – OVERSEAS EMERGENCY MEDICAL of medical expenses incurred while overseas; d] provision of any written guarantees for payment under SECTION 1.4 – EVACUATION & REPATRIATION of reasonable expenses for your medical transfer or evacuation to the nearest hospital overseas for emergency medical treatment or to be brought back to your home with appropriate medical supervision; and e] advice and assistance with emergency travel planning. 1 � 1 � 2 What we exclude To the extent permitted by law, we will not be responsible for costs and expenses that you would not have incurred had you followed reasonable medical advice. This includes any subsequent medical, hospital or evacuation expenses incurred when you did not follow the reasonable medical advice. Section 1 � 2 Overseas emergency medical In addition to an overseas journey, eligible cardholders, spouses and dependants who are onboard a foreign registered vessel in Australian territorial waters will be eligible for the benefits available under this section subject to the terms, conditions, exclusions, limits and applicable sub-limits that apply. 1 � 2 � 1 What we cover Overseas medical expenses due to covered injury or sickness a] If you injure yourself or become sick (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19) while overseas, during the period of cover available for your journey, we will reimburse the reasonable medical expenses you incur until you get back to Australia provided that the relevant injury or sickness is covered by this insurance. The medical expenses must have been for treatment given or prescribed by a medical adviser. You should make every reasonable effort to keep your medical expenses to a minimum.
41 Overseas medical expenses due to covered pre-existing medical condition b] If, while overseas during the period of cover available for your journey, you require medical or hospital treatment for a pre-existing medical condition: • that Allianz Global Assistance has confirmed in writing is covered by the group policy: or • for which cover is available as specified in the section headed PRE-EXISTING MEDICAL CONDITIONS, we will reimburse you for the medical expenses for treatment given or prescribed by a medical adviser, except for the cost of medication you were on or the cost of a course of treatment you were receiving at the time your journey began. You should make every reasonable effort to keep your medical expenses to a minimum. If you are prevented from returning home because of a sickness, injury or pre-existing medical condition that is covered, we will only pay for medical expenses incurred during the twelve (12) consecutive month period after the sickness was first diagnosed or the injury happened or the pre-existing medical condition we agreed to cover required treatment. If, after assessment of your claim, the reasonable medical advice is that you should return to Australia for treatment and you do not agree to do so, we will pay you an amount up to the limit shown in Part C - Benefit Limits - 1.2 Overseas Emergency Medical, which we reasonably consider to be equivalent to: • your medical expenses incurred overseas to the date Allianz Global Assistance advise you to return to your home; plus • the reasonable amount it would cost us to return you to your home; plus • the non-refundable portion of unused travel and accommodation arrangements you would have incurred had you followed the advice of Allianz Global Assistance. You will then be responsible for any ongoing or additional costs relating to or arising out of the event you have claimed for. 1 � 2 � 2 What we exclude To the extent permitted by law, we will not pay for medical expenses:
42 a] that you would not have incurred had you followed the advice of Allianz Global Assistance; b] if you have received care under a Reciprocal Health Care Agreement; c] relating to dental treatment involving the use of precious metals or for cosmetic dentistry; d] for dental treatment caused by or related to the deterioration and/or decay of teeth; e] for preventative dental treatment; f] arising from a pre-existing medical condition except: • if you satisfy the criteria as set out under the heading PRE-EXISTING MEDICAL CONDITIONS THAT ARE COVERED (SOME RESTRICTIONS APPLY) in the PRE- EXISTING MEDICAL CONDITIONS section in Part E – The cover available; or • as provided in the medical terms letter if Allianz Global Assistance confirmed in writing that the pre-existing medical condition is covered by the group policy; g] any payment which would result in us contravening the Health Insurance Act 1973 (Cth), the Private Health Insurance Act 2007 (Cth) or the National Health Act 1953 (Cth) or any other applicable legislation (whether in Australia or not). Section 1 � 3 Overseas emergency dental (spontaneous toothache) 1 � 3 � 1 What we cover If during the period of cover available for your journey, you suffer sudden and acute pain (spontaneous toothache) to natural teeth that is not an injury or sickness covered under section 1.2, we will cover you for the cost of necessary emergency dental treatment to treat the sudden and acute pain, up to the limit specified in Part C – Benefit Limits – 1.3 Overseas Emergency Dental (Spontaneous Toothache).
43 1 � 3 � 2 What we exclude To the extent permitted by law, we will not pay for expenses: a] if you have received care under a Reciprocal Health Care Agreement; b] relating to dental treatment involving the use of precious metals or for cosmetic dentistry; c] for dental treatment caused by or related to the deterioration and/or decay of teeth; d] for preventative dental treatment; or e] arising from a pre-existing medical condition. Section 1 � 4 Evacuation & repatriation 1 � 4 � 1 What we cover If while overseas during the period of cover available for your journey, you injure yourself, or become sick, (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19) or require treatment for a pre-existing medical condition and the relevant injury, or sickness, or pre-existing medical condition is covered by this insurance, we will pay the reasonable cost of your medical transfer or evacuation if you must be transported to the nearest hospital for emergency medical treatment overseas or be brought back to your home on the written advice of a medical adviser. 1 � 4 � 2 What we exclude To the extent permitted by law we will not pay a claim under this section in addition to a claim under SECTION 2.1 CANCELLATION for the same or similar services. We will only pay the highest amount incurred by you, not both amounts. Section 1 � 5 Hospital cash allowance 1 � 5 � 1 What we cover If during the period of cover available for your journey, you are admitted to hospital overseas for a continuous period of more than twenty four (24) consecutive hours as a result of an injury or sickness or pre-existing medical condition that we have agreed is covered, then we will pay you the benefit specified in Part C – Benefit Limits – 1.5 Hospital Cash Allowance for each day in excess of twenty four (24) consecutive hours that you continue to be a hospital inpatient up to the maximum limit.
44 1 � 5 � 2 What we exclude To the extent permitted by law we will not pay if you cannot claim for medical expenses connected with the hospital admission under SECTION 1.2 OVERSEAS EMERGENCY MEDICAL. Section 1 � 6 Accidental death 1 � 6 � 1 What we cover If, during the period of cover available for your journey; a] you are injured and you die because of that injury within twelve (12) consecutive months of the injury; or b] something you are travelling on or in disappears, sinks or crashes and your body is not found within twelve (12) consecutive months and you are presumed dead; and c] you are not entitled to a loss of life benefit payable under Overseas Transit Accident Insurance , we will pay the benefit specified in Part C – Benefit Limits – 1.6 Accidental Death, up to the maximum total limit, to your estate. Section 1 � 7 Funeral expenses 1 � 7 � 1 What we cover If during the period of cover available for your journey you die from a cause that is not excluded, we will pay for your reasonable funeral expenses incurred overseas or the reasonable cost of bringing your remains back to your home. The maximum amount we will pay is specified in Part C – Benefit Limits – 1.7 Funeral Expenses. 1 � 7 � 2 What we exclude To the extent permitted by law, we will not pay for any expenses, or any costs incurred in Australia except the reasonable cost of transporting your remains from the inbound port or airport to your home or nominated funeral home.
45 Section 1 � 8 Loss of income 1 � 8 � 1 What we cover If you are a cardholder or a spouse and during the period of cover available for your journey, you suffer an injury requiring medical treatment overseas, and: a] because of the injury you become disabled; and b] the disablement continues for more than thirty (30) consecutive days from the date of your return to your home; and c] you are under the regular care of and acting in accordance with the instructions or advice of a medical adviser who certifies in writing that the disablement prevents you from gainful employment; and d] as a result you lose all your income, then we will pay you up to the specified benefit per week for up to the specified number of consecutive weeks as shown in Part C – Benefit Limits – 1.8 Loss of Income, starting from the thirty first (31st) consecutive day after your return to your home. 1 � 8 � 2 What we exclude No cover is available for loss of income if you are a dependant. Section 1 � 9 Assault requiring hospital admission 1 � 9 � 1 What we cover: If during the period of cover available for your journey, you suffer an injury resulting from you being assaulted which requires your hospital admission as an inpatient for treatment we will pay you the benefit specified in Part C – Benefit Limits – 1.9 Assault Requiring Hospital Admission. Conditions If you want to claim under the cover available, you should provide us with written advice from your treating medical adviser specifying the nature of your injury; and a police report detailing the circumstances of the assault as this may be the easiest way to provide proof of your claim.
46 Section 2 � 1 Cancellation 2 � 1 � 1 What we cover: Unused arrangements, travel agents fees & rescheduling If after you have met the eligibility criteria set out in Part A – Eligibility for Cover, including having a return overseas travel ticket or you intend to obtain a return overseas travel ticket before leaving Australia, and up until the end of the period of cover available for your journey (where the claim is not covered elsewhere in this International Travel Insurance), cover is available for: a] any of the following events which are unexpected and unforeseen by you and outside your control: • you or your travel companion is seriously injured or becomes seriously ill (including if you or your travel companion are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, which reasonably prevents you from travelling); • your or your travel companion’s relative living in Australia dies, is seriously injured or becomes seriously ill; • you require medical attention relating to a pre-existing medical condition: − that Allianz Global Assistance has confirmed in writing that cover is available for under the group policy; or − for which cover is available as specified in the section headed PRE-EXISTING MEDICAL CONDITIONS THAT ARE COVERED (SOME RESTRICTIONS APPLY), which prevents you from travelling; • you are pregnant and before your departure from Australia, an unexpected and unforeseen medical complication occurs (which is confirmed in writing by a medical adviser) that prevents you from travelling because such travel would be unsafe for your health or the health of your unborn child however: − no cover is available beyond the end of the 26th week of your pregnancy (the 26th week of your pregnancy is calculated based on your estimated date of delivery as confirmed in writing by your obstetrician); or − if you suffered complications in your pregnancy before you became eligible for the cover available;
47 • your arranged travel is cancelled or delayed by the carrier because of mechanical breakdown of your means of transport, riots, strikes, civil commotion (but not an act of terrorism), weather conditions or natural disasters; • there is a natural disaster, or a natural disaster has recently happened or is reasonably expected to happen either at your destination or at your or your travel companion’s normal residence in Australia; • a special event is cancelled or postponed; • your or your travel companion’s travel documents are stolen or lost after the purchase of your return overseas travel ticket; • you or your travel companion are quarantined (except when arising from an epidemic or pandemic); • your or your travel companion’s home is totally destroyed; • you or your travel companion are subpoenaed to attend court in Australia (after having purchased your return overseas travel ticket) on a date falling during the period of cover available for your journey; • you or your travel companion are retrenched or made redundant (not including voluntary retrenchment or voluntary redundancy); • you or your travel companion having to sit exams during the period of cover available for your journey, for studies either of you are undertaking, provided that you or your travel companion had no prior knowledge of the date of the exam before you obtained your return overseas travel ticket; • your or your travel companion’s employer cancelling your or your travel companion’s prearranged leave provided you or your travel companion are a full time employee of the police, fire, ambulance, defence or emergency services; • you miss your arranged travel because your preceding flight was delayed or cancelled; or b] accidental death (but not sickness or illness) of any of the following living overseas: • spouse, fiancé, fiancée, parent, parent-in-law, step-parent, guardian; or • child, stepchild, foster child, grandchild; or • sister, sister-in-law, step-sister, brother, brother-in-law, step-brother.
48 If you do not reschedule your journey If you do not reschedule your travel arrangements, we will reimburse you the non-refundable portion of unused travel and accommodation arrangements scheduled to be used during the period of cover available for your journey that you have paid in advance of cancellation and cannot recover in any other way, inclusive of travel agent’s cancellation fees which are limited to the amount specified in Part C – Benefit Limits – 2.1 Cancellation, up to the maximum total limit specified in Part C – Benefit Limits – 2.1 Cancellation. If you reschedule your journey If you reschedule your travel arrangements at the earliest possible opportunity after the unexpected event listed above, we will at our option pay for either: a] any part of your travel and accommodation arrangements scheduled to be used during the period of cover available for your journey, (for which you have previously paid but are unable to use and are non-refundable) that you have rescheduled; or b] the cost of a higher class of travel on the same type of means of transport scheduled to be used during the period of cover available for your journey, or increased seasonal rates for travel, if that is the only class or rate available. We will pay these costs minus the amount of any refundable part of your travel arrangements that you rescheduled. Frequent flyer, airmiles, loyalty points & vouchers For the value of frequent flyer points, air miles, loyalty card points, redeemable vouchers or other similar schemes lost by you as a result of cancelling the services paid for or obtained with those points, air miles, vouchers or schemes, but only if you cannot recover your loss in any other way. We calculate the amount we pay you as follows: a] for frequent flyer points, air miles or loyalty card points: • the cost of an equivalent booking based on the same advance booking period as your original booking less any payment you made toward the booking, multiplied by • the total number of points or air miles lost, • divided by the total number of points or air miles used to make the booking.
49 b] for vouchers, the face value of the voucher. If there is no face value on the voucher we will pay the market value. Conditions If you want to claim under the cover available, you should do the following as soon as possible after the happening of the unexpected event causing your claim: • cancel any pre-arranged travel and accommodation scheduled to be used during the period of cover available for your journey that you are now unable to use; and • recover any refund that you are entitled to. If you think that you may have to cancel your journey or shorten your journey you should tell us as soon as possible - for more information see under the heading Claims or call the contact number shown on the inside front cover of this booklet. If you fail to cancel your pre-arranged travel and accommodation arrangements and we are prejudiced by your delay or failure, we may reduce any amount payable by the amount of prejudice we have suffered. 2 � 1 � 2 What we exclude To the extent permitted by law we will not pay your claim if: a] you were aware, or a reasonable person in your circumstances would have been aware before you became eligible for the cover available, of any reason that may cause your journey to be cancelled, rescheduled or shortened; b] caused by you or your travel companion changing plans; c] caused by any business, financial or contractual obligations which prevent you or your travel companion from travelling. This exclusion does not apply to claims where you or your travel companion are retrenched or made redundant in Australia except where a reasonable person in a similar situation would have been aware before you became eligible for cover that the retrenchment or redundancy was to occur; d] a tour operator or wholesaler is unable to complete arrangements for any tour because there were not enough people to go on the tour. This exclusion does not apply to prepaid travel arrangements bought separately to reach the departure point for the tour or for other travel arrangements scheduled to be used during the period of cover available for your journey, which do not form part of the tour;
50 e] caused by any service provider misappropriating your funds or failing to arrange or provide services for which you have paid; f] caused by financial default or financial collapse of a services provider with whom you make a booking or the financial default or financial collapse of any company, organisation or person with whom they deal; g] caused by an act of terrorism. Section 3 � 1 Additional expenses 3 � 1 � 1 What we cover Additional travel & accommodation expenses due to your incapacity a] If you cannot continue your journey because of an injury, or sickness (including if you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19) or pre - existing medical condition that is covered by this insurance, which occurs during the period of cover available for your journey and needs immediate treatment from a medical adviser, we will reimburse your reasonable additional accommodation and travel expenses. Emergency travel & accommodation expenses for a necessary companion b] If during the period of cover available for your journey, you are admitted to hospital suffering from a life threatening or other serious condition covered by this insurance we will reimburse the reasonable travel and accommodation expenses for a relative or friend to travel to you, stay near you or escort you. He or she must travel to you, stay near you or escort you on the written advice of your treating medical adviser and with the prior written approval of Allianz Global Assistance. Please contact Allianz Global Assistance for approval of these costs. Additional travel & accommodation expenses due to your travel companion’s incapacity c] If your travel companion cannot continue their journey because of an injury or sickness (including if your travel companion is positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19) which occurs during the period of cover available for your journey and which needs immediate treatment from a medical adviser, we will reimburse your reasonable additional accommodation and travel expenses for you to remain with your travel companion. Please contact Allianz Global Assistance for approval
51 of these costs. No cover is available for a claim arising from any pre- existing medical condition of your travel companion. Expenses due to your repatriation or evacuation home d] If during the period of cover available, you shorten your journey and return to your home due to a covered event on the advice of your treating medical adviser and with the approval of Allianz Global Assistance, we will reimburse the reasonable additional cost of your return to your home. We will only pay the cost of the fare class that you had planned to travel at and you must make use of any pre-arranged return travel to your home. Please contact Allianz Global Assistance for approval of these costs. Repatriation of dependants left without supervision e] If your dependants are left without supervision following your hospital admission or evacuation during the period of cover available for your journey, we will pay the reasonable additional travel and accommodation expenses incurred to return them to Australia, including the travel and accommodation expenses of an escort if agreed to by Allianz Global Assistance. Please contact Allianz Global Assistance for approval of these costs. Additional travel & accommodation expenses due to specified events f] In addition, if during the period of cover available a disruption to your journey arises from: • your scheduled or connecting transport is cancelled, delayed, rescheduled or diverted because of a strike, riot, hijack, civil protest, weather, natural disaster or accident affecting your mode of transport; • you unknowingly break any quarantine rule (but not a quarantine rule applying to an epidemic or pandemic); • you lose your passport, travel documents or transaction cards or they are stolen; or • your home being rendered uninhabitable by fire, explosion, earthquake or flood, we will reimburse your reasonable additional travel and accommodation expenses. Please contact Allianz Global Assistance for approval of these costs.
52 Whenever claims are made by you under this section and SECTION 2.1 CANCELLATION for cancelled services/facilities or alternative arrangements for the same or similar services/facilities, we will pay for the higher of the two amounts, not both. 3 � 1 � 2 What we exclude To the extent permitted by law, we will not pay your claim: a] if you were aware, or a reasonable person in your circumstances would have been aware, of any reason, before you became eligible for the period of cover available, that may cause your journey to be cancelled, disrupted or delayed; b] arising from a pre-existing medical condition of you, your travel companion or a relative except: • if you satisfy the criteria as set out under the heading PRE-EXISTING MEDICAL CONDITIONS THAT ARE COVERED (SOME RESTRICTIONS APPLY) in the PRE-EXISTING MEDICAL CONDITIONS section in Part E – The cover available; or • as provided in the medical terms letter if Allianz Global Assistance confirmed in writing that the pre-existing medical condition is covered by the group policy. c] if you can claim your additional travel and accommodation expenses from anyone else; d] if caused by any service provider misappropriating your funds or failing to arrange or provide services for which you have paid; e] for cancellations, delays, rescheduling or diversions to your scheduled or connecting transport unless it is due to a strike, riot, hijack, civil protest, weather, natural disaster or accident affecting your mode of transport; f] if your claim arises directly or indirectly out of you operating a rental vehicle in violation of the rental agreement.
53 Section 3 � 2 Travel delay expenses 3 � 2 � 1 What we cover If a delay to your journey, for at least six (6) consecutive hours, arises from circumstances outside your control during the period of cover available, we will reimburse the cost of your reasonable additional meals and accommodation expenses. We will pay up to the amount specified in Part C – Benefit Limits – 3.2 Travel Delay Expenses at the end of the initial six (6) consecutive hour period. 3 � 2 � 2 What we exclude We will not pay if a delay to your journey arises: a] from an act of terrorism; or b] due to the financial default or financial collapse of a services provider with whom you make a booking or the financial default or financial collapse of any company, organisation or person with whom they deal. Section 3 � 3 Alternative transport expenses 3 � 3 � 1 What we cover If during the period of cover available for your journey, your journey is interrupted by any unforeseen and unexpected cause outside of your control and that means you would not arrive at a special event on time, we will pay your reasonable additional travel expenses up to the amount specified in Part C – Benefit Limits – 3.3 Alternative Transport Expenses to enable you to arrive on time. 3 � 3 � 2 What we exclude To the extent permitted by law we will not pay if your scheduled transport is cancelled, delayed, shortened or diverted: a] due to an act of terrorism; or b] due to the financial default or financial collapse of a service provider with whom you make a booking or the financial default or financial collapse of any company, organisation or person with whom they deal.
54 Section 3 � 4 Return home & resumption of journey following death of a relative 3 � 4 � 1 What we cover a] If, during the period of cover available for your journey, your relative who is resident in Australia dies unexpectedly, we will reimburse the reasonable additional cost of your early return to your home. We will only pay the cost of the fare class you had planned to travel at. Please contact Allianz Global Assistance for approval of these costs. b] If during the period of cover available for your journey, you return to your home because: • a relative of yours who is resident in Australia dies unexpectedly; and • it is possible for your journey to be resumed; and • there is more than fourteen (14) consecutive days or twenty five per cent (25%), whichever is the greater, remaining of the period of cover available for your journey, as noted on your return overseas travel ticket; and • you resume your journey within thirty (30) consecutive days of your return to your home, we will reimburse you for airfares for you to return to the place you were when your journey was interrupted. However, if the event causing your claim is due to your relative’s pre-existing medical condition, we will reimburse your covered expenses up to the limit specified in Part C – Benefit Limits – 3.4 Return Home & Resumption of Journey following Death of a Relative provided that before you commenced your journey a medical adviser had not diagnosed your relative as being terminally ill. The most we will pay under this sub-section is up to the limit shown in Part C – Benefit Limits – 3.4 Return Home & Resumption of Journey following Death of a Relative.
55 Section 3 � 5 Domestic pets 3 � 5 � 1 What we cover If your return home is delayed beyond the end date of the period of cover available for your journey due to a covered event, that is not expected or intended by you and is outside of your control and you incur additional boarding kennel or boarding cattery fees for domestic dogs or cats owned by you, we will reimburse you for the additional fees you incur up to the limit per day specified in Part C – Benefit Limits – 3.5 Domestic Pets up to the maximum total limit specified in Part C – Benefit Limits – 3.5 Domestic Pets. 3 � 5 � 2 What we exclude To the extent permitted by law we will not pay if your delay is due to an act of terrorism. Section 3 � 6 Hijack 3 � 6 � 1 What we cover If, during the period of cover available for your journey, control of the transportation you are travelling in is seized by force or threat of force by unauthorised persons and you are detained for more than twelve (12) continuous hours by these persons using violence or threat of violence, we will pay you the benefit per day specified in Part C – Benefit Limits – 3.6 Hijack up to the maximum total limit specified in Part C – Benefit Limits – 3.6 Hijack. 3 � 6 � 2 What we exclude To the extent permitted by law we will not pay if your claim arises from an act of terrorism. Section 3 � 7 Kidnap & ransom 3 � 7 � 1 What we cover If, during the period of cover available for your journey, you are kidnapped, we will reimburse you up to the limits specified in Part C – Benefit Limits – 3.7 Kidnap & Ransom for ransom paid to your abductors which results in your release from kidnap.
56 Conditions You must make every reasonable effort to: • minimise your loss; • not disclose the existence of this insurance cover; • immediately inform the appropriate authorities and conform with their recommendations and instructions; • advise us of the circumstances as soon as practicable; and • keep identifying details (such as serial numbers) of any ransom exchanged for your release. 3 � 7 � 2 What we exclude To the extent permitted by law we will not pay if you are kidnapped in the countries or territorial waters of the United Mexican States, the Philippines, Somalia or in any country (or their territorial waters) located in Central America or South America, south of the border between the United Mexican States and the United States of America. Section 4 � 1 Luggage You must take all reasonable precautions to safeguard your covered items and your valuables. If you do not, we will not pay your claim. For example, you will not be taking reasonable precautions if you leave your belongings in a publicly accessible location: • at such a distance from you that you are unable to prevent them being taken; or • with a person who is not a travel companion or a relative (or if these persons fail to take all reasonable precautions to safeguard your covered items or valuables). This includes forgetting or misplacing any items, leaving them behind or walking away from them.
57 4 � 1 � 1 What we cover a] If, during the period of cover available for your journey, the following covered items or valuables: • baggage, clothing or personal valuables; • portable electrical equipment, laptop computers and associated equipment/accessories, binoculars, cameras and associated equipment/accessories; are stolen, accidentally damaged or are permanently lost, except when: • left in a vehicle (see sub-section 4.1.1 b] below); or • are valuables left in a vehicle or checked in to be transported in the cargo hold of any aircraft, ship, train, tram or bus (see sub-section 4.1.1 c] below); or • is sporting equipment while in use (see sub-section 4.1.1 d] below). The amount we will pay (acting reasonably) will be the lesser of: • the depreciated value after allowing for age, wear and tear (see Depreciation on page 95 for details); • the original purchase price; • the replacement cost; or • the repair cost. We will not apply depreciation to any item we pay for where less than twelve (12) consecutive months have elapsed since the item was purchased new. The maximum amount we will pay for any item is: • up to the item limit specified in Part C – Benefit Limits – 4.1 Luggage for personal computers, video recorders or cameras; • up to the item limit specified in Part C – Benefit Limits – 4.1 Luggage for mobile phones (including PDAs and any items with phone capabilities); or • up to the item limit specified in Part C – Benefit Limits – 4.1 Luggage for all other items; • up to the maximum total limit specified in Part C – Benefit Limits – 4.1.1 a) Luggage.
58 A pair or related set of items, for example (but not limited to): • a camera, lenses (attached or not), tripod and accessories; • a matched or unmatched set of golf clubs, golf bag and buggy; or • a matching pair of earrings, are considered as only one item for the purpose of this cover, and the appropriate single item limit will be applied. b] Covered items specified in 4.1.1 a] that are left in a vehicle during the period of cover provided for your journey are only covered during daylight hours and must have been left in a concealed storage compartment of a locked vehicle, and in the event of theft forced entry must have been made. The most we will pay is up to the total amount specified in Part C – Benefit Limits – 4.1.1 b] Luggage for all covered items stolen from a locked vehicle. c] No cover is available for valuables left in a vehicle at any time or valuables checked in to be transported in the cargo hold of any aircraft, ship, train, tram or bus including any loss from the point of check in until collection by you from the baggage carousel or collection area at the end of your flight, voyage or trip. However, cover will be available for loss theft or accidental damage to laptops, tablets and mobile/ smartphones when (without prior notice) you are directed by the airline with whom you have a flight booking to place the laptop, tablet or mobile/smartphone into your checked in baggage or overhead cabin locker for the duration of your flight. d] No cover is available for sporting equipment while it is in use. Conditions If you make a claim, you will need to provide proof of your ownership and the value of your belongings. Examples of proof include receipts and/or valuations (e.g. receipt or valuation for jewellery). If you cannot prove the value of the items, the most we will pay for each individual item is ten per cent (10%) of the limit shown for that type of item in the Part C – Benefit Limits – 4.1 Luggage. We expect you to report any loss or theft to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the loss or theft occurred.
59 You should make reasonable efforts to obtain confirmation from whoever you made the report to as this may be the easiest way to provide evidence of the loss or theft. If you delay or fail to make a report and we are prejudiced by your delay or failure, we may be entitled to reduce your claim by the amount of prejudice we have suffered. If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred we will deduct the amount you are entitled to from any claim payable by us. However, if you are not reimbursed the full amount of your loss, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of the cover available. 4 � 1 � 2 What we exclude To the extent permitted by law, we will not pay a claim in relation to your covered items and valuables if: a] the loss, theft or damage is to, or of, covered items or valuables left behind in any hotel or motel room after you have checked out, or items left behind in any aircraft, ship, train, tram, taxi or bus; b] the covered items or valuables were being sent unaccompanied by you or under a freight contract; c] the loss or damage arises from any process of cleaning, repair or alteration; d] the loss or damage arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin; e] the covered item or valuable disappears in circumstances that cannot be explained to our reasonable satisfaction; f] your claim arises from a government authority confiscating, detaining or destroying anything; g] you do not take all reasonable precautions to safeguard your covered items or valuables. For example, you will not be taking reasonable precautions if you leave your belongings in a publicly accessible location: • at such a distance from you that you are unable to prevent them being taken; or • with a person who is not a travel companion or a relative (or if these persons fail to take all reasonable precautions to safeguard your covered items or valuables).
60 This includes forgetting or misplacing any items, leaving them behind or walking away from them; h] the covered item or valuable has an inherent defect or an electrical or mechanical breakdown; i] the covered item or valuable is fragile or brittle or is an electrical component and is broken unless the breakage was caused by theft, fire or an accident involving a vehicle in which you were travelling; or j] the loss or damage arises from scratches occurring to lenses or screens of covered items or valuables however caused. Section 4 � 2 Travel documents, transaction cards & travellers cheques 4 � 2 � 1 What we cover If during the period of cover available for your journey: Re-issue or replacement cost a] any essential travel documents (including passports), transaction cards or travellers cheques are lost by you, stolen from you or destroyed, then we will pay the issuer’s fees or the replacement costs (including communication costs) of the items lost, stolen or destroyed. Fraudulent use b] your transaction cards or travellers cheques are lost or stolen, then we will pay for any loss resulting from the fraudulent use of the transaction cards or travellers cheques. The most we will pay is up to the limit specified in Part C – Benefit Limits – 4.2 Travel Documents, Transaction Cards & Travellers Cheques. Conditions We expect you to report any loss or theft to the police and, in the case of transaction cards or travellers cheques, to the issuing bank or company in accordance with the conditions under which the transaction cards or travellers cheques were issued. You should make reasonable efforts to obtain confirmation from whoever you made the report to as this may be the easiest way to provide evidence of the loss or theft. If you delay or fail to make a report and we are prejudiced by your delay or failure, we may be entitled to reduce your claim by the amount of prejudice we have suffered.
61 4 � 2 � 2 What we exclude To the extent permitted by law, we will not pay: a] if your loss arises from your failure to comply with the recommended security guidelines for the use of travellers cheques or transaction cards; or b] for any amounts covered by any guarantee given by the bank or issuing company to you as the holder of the transaction cards or travellers cheques. Section 4 � 3 Luggage delay 4 � 3 � 1 What we cover If during the period of cover available for your journey any of your covered items are delayed, misdirected or misplaced by the carrier for more than twelve (12) consecutive hours, we will reimburse you for the reasonable costs you incur for you to purchase essential items of clothing or other personal items, up to the amount specified in Part C – Benefit Limits – 4.3 Luggage Delay. Conditions You will need to make reasonable efforts to obtain confirmation from the carrier who was responsible for your covered items confirming that your items were delayed, misdirected or misplaced as this may be the easiest way to provide evidence of the delay. We will deduct any amount we pay you under this section from any subsequent claim you make for lost covered items payable under SECTION 4.1 LUGGAGE. If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred we will deduct the amount you are entitled to from any claim payable by us. However, if you are not reimbursed the full amount of your loss, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of cover available.
62 Section 5 � 1 Rental vehicle excess Cover is only available under this section if your rental vehicle agreement specifies an amount that is payable in the event the rental vehicle is damaged or stolen while in your custody. This section does not cover items such as, but not limited to, tyres and/or windscreens, roof and underbody if they are not covered by the indemnity provided by the rental company or agency under the rental vehicle agreement to which the amount payable applies. 5 � 1 � 1 What we cover If, during the period of cover available for your journey, a rental vehicle you have rented from a rental company or agency is: • involved in a motor vehicle accident while you are driving it; or • damaged or stolen while in your custody, then we will pay you the lesser of: • property damage for which you are liable; or • the amount specified that you must pay under your rental vehicle agreement; or • the limit shown in Part C – Benefit Limits – 5.1 Rental Vehicle Excess. Conditions You will need to provide us with a copy of: • your rental vehicle agreement; • the incident report that was completed; • repair account; • an itemised list of the value of the damage; and • written notice from the rental company or agency advising that you are liable to pay the amount specified in your rental vehicle agreement. 5 � 1 � 2 What we exclude To the extent permitted by law, we will not pay for a claim that arises from, or is for: a] you using the rental vehicle in breach of the rental agreement; b] you using the rental vehicle without a licence for the purpose that you were using it (such as but not limited to the carrying of passengers or freight); or
63 c] administrative charges or fees of the rental company that are not a component of the amount payable specified in your rental vehicle agreement. Section 6 � 1 Personal liability 6 � 1 � 1 What we cover If you become legally liable to pay compensation for negligently causing: • death or bodily injury; or • physical loss of, or damage to property, that happens during the period of cover available for your journey, then we will cover you up to the limit shown in Part C – Benefit Limits – 6.1 Personal Liability, for: • the compensation (including legal costs) awarded against you; and • any reasonable legal costs incurred by you for settling or defending a claim made against you, provided you have approval in writing from Allianz Global Assistance before incurring these costs. Please contact Allianz Global Assistance to confirm approval for these costs. Conditions We should be told as soon as you or your personal representatives are, or a reasonable person in your circumstances would have been, aware of a possible prosecution, inquest, fatality, accident or incident which might lead to a claim against you. You should not pay or promise to pay, settle with, admit or deny liability to anyone who makes a claim against you without our written consent. If you do, we may reduce or refuse your claim to the extent we are prejudiced. 6 � 1 � 2 What we exclude To the extent permitted by law, we will not pay any amount you become legally liable to pay if the liability arises directly or indirectly from, or is in any way connected with, or is for: a] bodily injury to you, your travel companion or to a relative or employee of any of you; b] loss of or damage to property belonging to you, or in your care, custody or control (unless the property is a residence and you occupy it during the period of cover available for your journey as a tenant or lessee, or temporary guest);
64 c] your ownership, custody, control or use of any firearm or weapon; d] your ownership, control or use of a motorised vehicle, an aircraft, or a watercraft (other than a non-motorised watercraft used on inland waterways) however, if you do not own or control the vehicle, aircraft or watercraft and are only using it as a passenger, this exclusion does not apply; e] your conduct of, or employment in any business, profession, trade or occupation; f] any loss, damage or expenses which are covered or should have been covered under a statutory or compulsory insurance, or compensation scheme or fund, or under Workers Compensation legislation, an industrial award or agreement, or Accident Compensation legislation; g] any fine or penalty, or aggravated, punitive, exemplary or liquidated damages; h] any relief or recovery from you other than monetary amounts; i] a contract that imposes on you a liability which you would not otherwise have; j] assault and/or battery committed by you or at your direction; k] any act intended to cause bodily injury, property damage or liability done by you or any person acting with your knowledge, connivance or consent.
65 Overseas Transit Accident Insurance Part A – Eligibility for Cover Not all insurance covers are available for all St.George Bank cards or all cardholders and different conditions may also be available for different cardholders, so please refer to each Part of this insurance to determine the complimentary insurance benefits that may be available to you. Eligibility for the covers available depends upon the type of St.George Bank card you have. Who is eligible? Level 1 Card and Level 2 Card cardholders are eligible for the cover available under Overseas Transit Accident Insurance if the entire payment for the trip was charged to the accountholder’s card account prior to the commencement of the trip. Who else is eligible? If the cardholder is eligible for the cover available, the cardholder’s spouse and/or dependants are also eligible provided:
- the spouse and/or dependants reside in Australia; and
- each of them is travelling with the cardholder on the entire trip; and
- the entire payment for their trip was charged to the accountholder’s card account prior to the commencement of the trip. Dependants under the age of two years at the date the trip commences If a cardholder satisfies the eligibility criteria set out above, their dependant under the age of two (2) years as at the date the trip commences is eligible for the cover available provided the dependant is travelling with the cardholder for the entire trip. When a cardholder, spouse and dependant are travelling together only one eligible person can claim the benefits payable to a cardholder. The other eligible persons may only claim as a spouse or dependant.
66 Part B – Period of Cover Overseas Transit Accident Insurance provides cover when: a] you board your transportation for your trip and ends when you disembark from your transportation at the end of your trip; b] boarding or alighting, being when you physically get on or off transportation, at any airport, coach depot, railway station or dock during your trip; and c] travelling as a passenger in transportation directly to or from any airport, coach depot, railway station or dock immediately before or after the scheduled trip. Part C – Benefit Limits The Aggregate Limit of Liability and the table below set out the maximum limits of what we will pay under Overseas Transit Accident Insurance. All limits and sub-limits are shown in Australian dollars. The cover available is outlined in Part E and is subject to the applicable terms, conditions, exclusions, limits and applicable sub-limits. Aggregate limit of liability This Overseas Transit Accident Insurance contains an aggregate (maximum) limit of liability for claims from all eligible cardholders, spouses and/or dependants arising from the one event. The most we will pay under Overseas Transit Accident Insurance cover for one event (e.g. a bus crash) is $1,300,000 for Level 1 Cards and Level 2 Cards respectively. This means that regardless of the number of cardholders, spouses or dependants involved in an event who suffer injury, we will pay each on a proportional basis (using the amounts in the table appearing in Part C – Benefit Limits) up to total of $1,300,000 for Level 1 Cards and up to a total of $1,300,000 for Level 2 Cards with a maximum combined total limit of $2,600,000. For example, if five Level 1 Card cardholders plus five Level 2 Card cardholders lost their lives in the same bus crash, we would pay benefits, calculated as follows:
67 Level 1 cards Five Level 1 Card cardholders: $750,000 each = $3,750,000; Total benefit amount: $3,750,000 Dividing the total aggregate exposure ($1,300,000) by the total benefit amount ($3,750,000) determines the percentage (34.66%) to proportionally reduce benefits to. In this case, the payable benefits would work out to be: Five Level 1 Card cardholders: $260,000 each = $1,300,000 Total benefit amount payable: $1,300,000 Level 2 cards Five Level 2 Card cardholders: $750,000 each = $3,750,000; Total benefit amount: $3,750,000 Dividing the total aggregate exposure ($1,300,000) by the total benefit amount ($3,750,000) determines the percentage (34.66%) to proportionally reduce benefits to. In this case, the payable benefits would work out to be: Five Level 2 Card cardholders: $260,000 each = $1,300,000 Total benefit amount payable: $1,300,000 Maximum benefit amounts The table below sets out the maximum Benefit Amounts we will pay under Overseas Transit Accident Insurance if an aggregate limit of liability does not apply (see above).
68 Injury Benefit Amount Level 1 Cards and Level 2 Cards Loss of life $750,000 Loss of both hands or loss of both feet $500,000 Loss of one hand and loss of one foot $500,000 Loss of the entire sight in both eyes $500,000 Loss of the entire sight in one eye and loss of one hand and/or loss of one foot $500,000 Loss of one hand or loss of one foot $250,000 Loss of the entire sight in one eye $250,000 If an eligible cardholder, spouse and/or dependant sustains more than one injury arising from an event, we will only pay for one injury, being the injury suffered by the eligible cardholder, spouse and/or dependant which attracts the highest Benefit Amount. Part D – Excess and Exclusions Excess – what you contribute to a claim No excess applies to any claim under Overseas Transit Accident Insurance. Exclusions The exclusions below set out what is not covered. You should also read each section as they contain specific exclusions that also apply. To the extent permitted by law we do not cover you for any loss, damage or expense caused by, arising from, or in any way related to:
- your loss of enjoyment; loss of opportunity; loss of revenue; loss of profits or loss of goodwill;
69 2. you booking or taking travel against medical advice, travel for the purpose of getting medical treatment or advice, or travel taken after a medical adviser informs you that you are terminally ill; 3. your intentional self harm or your suicide or your attempted suicide; 4. illegal or criminal acts by you, your spouse, your dependants or any other person acting with your consent or under your direction; 5. you failing to take reasonable care; 6. your travel in any air supported device other than as a passenger in a fully licensed aircraft operated by an airline; 7. your participation as a crew member or pilot of any transportation; 8. any act of terrorism; 9. any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military; 10. a nuclear reaction or contamination from nuclear weapons or radioactivity; 11. biological and/or chemical materials, substances, compounds or the like used directly or indirectly for the purpose of harming or to destroy human life and/or create public fear; 12. providing cover or being liable to pay any claim or provide any benefit (including a refund on premium) hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would contravene or otherwise expose us to the risk of any penalty, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, New Zealand, the European Union, United Kingdom or United States of America. Part E – The cover available What we cover If, during the period of cover available, you suffer an accident that causes an injury listed in Part C – Benefit Limits within twelve (12) consecutive months of the accident, we will pay you the Benefit Amount (unless reduced by the group policy aggregate limit of liability) specified for the injury listed in Part C – Benefit Limits, that you suffered.
70 In addition, if during a trip: a] you are unavoidably exposed to the elements due to an accident which results in the disappearance, sinking or wrecking of the transportation in which you were travelling and as a result of such exposure you suffer an injury for which a Benefit Amount (unless reduced by the group policy aggregate limit of liability) is payable; b] you disappear due to an accident which results in the disappearance, sinking or wrecking of the transportation in which you were travelling and your body has not been found within twelve (12) consecutive months after the date of such accident, it will be presumed, subject to there being no evidence to the contrary, that you died, we will pay the applicable Benefit Amount (unless reduced by the group policy aggregate limit of liability) listed in Part C – Benefit Limits to you, or to your estate in the case of your death. If you suffer more than one injury as a result of the accident we will pay you no more than the specified Benefit Amount for the most serious injury listed in Part C – Benefit Limits that you suffered. Interstate Flight Inconvenience Insurance Not all insurance covers are available for all St.George Bank cards or all cardholders and different conditions may also be available for different cardholders, so please refer to each Part of this insurance to determine the complimentary insurance benefits that may be available to you. Part A – Eligibility for Cover Eligibility for the covers available depends upon the type of St.George Bank card you have. Who is eligible? As a cardholder with a Level 1 Card or Level 2 Card you are eligible for the cover available if:
- you reside in Australia; and
- the entire cost of the return interstate flight (excluding taxes and airport and travel agent charges) is charged to the accountholder’s card account prior to commencing the journey.
71 Who else is eligible? If the cardholder is eligible for the cover available, the cardholder’s spouse and dependants are also eligible provided:
- the spouse and/or dependants reside in Australia; and
- the entire cost of the spouse and/or dependant(s)return interstate flight (excluding taxes and airport and travel agent charges) is charged to the accountholder’s card account prior to commencing the journey; and
- the spouse and/or dependants are travelling with the cardholder for at least fifty per cent (50%) of the period of cover available to the cardholder for the cardholder’s journey. Dependants under the age of two years at the date the journey commences. If a cardholder satisfies the eligibility criteria set out above, their dependant under the age of two (2) years as at the date the journey commences is eligible for the cover provided the dependant is travelling with the cardholder for at least fifty per cent (50%) of the period of cover available to the cardholder for the cardholder’s journey. No cover is available for dependants born on the journey. When a cardholder, spouse and dependant are travelling together only one eligible person can claim the benefits payable to a cardholder. The other eligible persons may only claim as a spouse or dependant. Part B – Period of Cover The period of cover available under SECTION 1.1 CANCELLATION begins on the date you become eligible for cover by meeting the eligibility criteria set out in Part A – Eligibility for Cover. Provided you meet the eligibility criteria set out in Part A – Eligibility for Cover, the period of cover available for all other insured events commences when you leave your home to start your journey or on the departure date shown on your interstate flight ticket, whichever is the later.
72 Cover under all sections ends when the first of the following occurs: a] when you return to your home from the airport shown on your return interstate flight ticket; or b] you cancel your return interstate flight ticket; or c] fourteen (14) consecutive days after your journey starts. Part C – Benefit Limits The table below sets out the maximum limits of what we will pay under each section of Interstate Flight Inconvenience Insurance. The cover available is outlined in Part E and is subject to the applicable terms, conditions, exclusions, limits and applicable sub-limits. If you need advice in respect of your particular circumstances or needs please consult an appropriately licensed insurance adviser. Section Limit 1 � 1 Cancellation $3,000 maximum total limit 2 � 1 Flight Delay 4 hours or more, $125 per person up to a maximum total limit of $500 3 � 1 Luggage Up to $500 for each item up to a maximum total limit of $1,500 3 � 2 Luggage Delay 12 hours or more, $125 per person charged to the card account, up to a maximum total limit of $500 4 � 1 Funeral expenses Up to $2,500 per person up to a maximum total limit of $5,000
73 Part D – Excesses and General Exclusions Excesses – what you contribute to a claim You must pay the following excess amounts for each claim made under the following covers even if a number of claims are submitted on the one claim form. However, if you make more than one claim as the result of a single event, the highest excess will apply but will only apply once. Section Excess amount 1 � 1 Cancellation $300 2 � 1 Flight Delay Nil 3 � 1 Luggage $300 3 � 2 Luggage Delay Nil 4 � 1 Funeral expenses Nil General exclusions The general exclusions below set out what is not covered. You should also read each section as they contain specific exclusions that may also apply. To the extent permitted by law we do not cover you for any loss, damage or expense caused by, arising from or in any way related to:
- your loss of enjoyment; loss of opportunity; loss of revenue; loss of profits or loss of goodwill;
- any pre-existing medical condition of yours, or of a relative, or of a travel companion;
- you booking or taking travel against medical advice, travel for the purpose of getting medical treatment or advice, or travel taken after a medical adviser informs you that you are terminally ill;
- your intentional self harm or your suicide or your attempted suicide;
- your use of alcohol or drugs or any transmissible disease as a result of giving or taking a drug, unless the use of the drug is supervised by a medical adviser;
74 6. your travel in any air supported device other than as a passenger in: • a fully licensed aircraft operated by an airline or charter company; or • a regulated or licensed hot air balloon; 7. your participation in any dangerous activities or your exposure of yourself to danger during your journey unless in an attempt to preserve your life or the life of another person, and includes but is not limited to activities such as: • scuba diving unless you hold an open water diving certificate or are diving with a qualified and registered diving instructor; • mountaineering or rock climbing requiring the use of ropes and/or climbing equipment, racing (other than amateur racing on foot), white water rafting, white water boating, abseiling, parasailing, skydiving, hang gliding, base jumping, bungy jumping, pot holing, canyoning, caving, fire walking, running with the bulls, rodeo riding, polo playing, hunting, shooting, archery, tobogganing, water skiing, jet skiing, off- piste snow skiing, off-piste snowboarding, snowmobiling or any other similar activity; • any kind of training for, coaching or competing in any sporting event where you are entitled to receive, or are eligible to receive, an appearance fee, wage, salary or prize money in excess of $1,000; and • quad bike or motorcycle riding during your journey unless it involves you only driving a motorcycle, with an engine capacity of 200cc or less, for which you hold a valid motorcycle licence; 8. illegal or criminal acts by you, your spouse, your dependants or any other person acting with your consent or under your direction; 9. your participation as a crew member or pilot of any transportation; 10. the injury, illness or death of any person who is aged 80 years or over at the time you become eligible for cover under Interstate Flight Inconvenience Insurance; 11. any interference with your travel plans by any government, government regulation or prohibition or intervention or official authority; 12. your failure to take reasonable care; 13. any epidemic or pandemic;
75 14. any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military; 15. a nuclear reaction or contamination from nuclear weapons or radioactivity; 16. biological and/or chemical materials, substances, compounds or the like used directly or indirectly for the purpose of harming or to destroy human life and/or create public fear; 17. providing cover or being liable to pay any claim or provide any benefit (including a refund on premium) hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would contravene or otherwise expose us to the risk of any penalty, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, New Zealand, the European Union, United Kingdom or United States of America. Part E – The cover available Section 1 � 1 Cancellation 1 � 1 � 1 What we cover: If, after you have obtained your interstate flight ticket and up until the end of the period of cover available for your journey (where the claim is not covered elsewhere in this insurance) and because of any of the following events which are unexpected and unforeseen by you and outside your control: • you, your travel companion or a relative dies, is seriously injured or becomes seriously ill (except arising from a pre-existing medical condition); • your arranged travel is cancelled or delayed by the carrier because of unexpected natural disasters; • you are quarantined (except arising from an epidemic or pandemic); • your home is totally destroyed; • you are subpoenaed to attend court in Australia (after having purchased your interstate flight ticket) on a date falling during the period of cover available for your journey; • you are retrenched or made redundant (not including voluntary retrenchment or voluntary redundancy),
76 then we will reimburse you: a] the non-refundable portion of unused travel and accommodation arrangements scheduled to be used during the period of cover available for your journey that you have paid in advance of cancellation and cannot recover in any other way (inclusive of travel agent’s cancellation fees), up to the maximum total limit specified in Part C – Benefit Limits – 1.1 Cancellation; or b] your reasonable costs of rescheduling your journey. The most we will pay for rescheduling your journey is the unrecoverable amount that would have been payable under 1.1.1 a] had your journey been cancelled. We will not pay a claim under 1.1.1 b] in addition to a claim under 1.1.1 a] for the same services/facilities. Conditions If you want to claim under the cover available, you should do the following as soon as possible after the happening of the unexpected event causing your claim: • cancel any pre-arranged travel and accommodation scheduled to be used during the period of cover available for your journey that you are now unable to use; and • recover any refund that you are entitled to. If you think that you may have to cancel your journey or shorten your journey you should tell us as soon as possible – for more information see under the headings CLAIMS or call the contact number shown on the inside front cover of this booklet. If you fail to cancel your pre-arranged travel and accommodation arrangements and we are prejudiced by your delay or failure, we may reduce any amount payable by the amount of prejudice we have suffered. 1 � 1 � 2 What we exclude To the extent permitted by law we will not pay your claim if: a] you were aware, or a reasonable person in your circumstances would have been aware before you became eligible for the cover available, of any reason that may cause your journey to be cancelled, rescheduled or shortened; b] caused by you or your travel companion changing your plans;
77 c] caused by any business, financial or contractual obligations which prevent you or your travel companion from travelling. This exclusion does not apply to claims where you or your travel companion are retrenched or made redundant in Australia except where a reasonable person in a similar situation would have been aware before you became eligible for cover that the retrenchment or redundancy was to occur; d] a tour operator or wholesaler is unable to complete arrangements for any tour because there were not enough people to go on the tour. This exclusion does not apply to prepaid travel arrangements bought separately to reach the departure point for the tour or for other travel arrangements scheduled to be used during the period of cover available for your journey, which do not form part of the tour; e] caused by any service provider misappropriating your funds or failing to arrange or provide services for which you have paid; f] caused by financial default or financial collapse of a service provider with whom you make a booking or the financial default or financial collapse of any company, organisation or person with whom they deal. Section 2 � 1 Flight delay 2 � 1 � 1 What we cover If during the period of cover available for your journey, the departure of your interstate flight, is delayed for the period specified in Part C – Benefit Limits – 2.1 Flight Delay, due to circumstances outside your control and no alternative transport is provided by the carrier, we will reimburse the cost of your reasonable additional meal and accommodation expenses, up to the amount specified in Part C – Benefit Limits – 2.1 Flight Delay. 2 � 1 � 2 What we exclude We will not pay if a delay to your journey arises from an act of terrorism. Section 3 � 1 Luggage You must take all reasonable precautions to safeguard your covered items and your valuables. If you do not, we will not pay your claim. For example, you will not be taking reasonable precautions if you leave your belongings in a publicly accessible location: • at such a distance from you that you are unable to prevent them being taken; or
78 • with a person who is not a travel companion or a relative (or if these persons fail to take all reasonable precautions to safeguard your covered items or valuables). This includes forgetting or misplacing any items, leaving them behind or walking away from them. 3 � 1 � 1 What we cover a] If, during the period of cover available for your journey, your: • baggage, clothing; or • portable electrical equipment, binoculars, cameras and associated equipment/accessories (but not any other valuables), are stolen, accidentally damaged or are permanently lost, except when left in a vehicle (see 3.1.1 b]); or • are valuables checked in to be transported in the cargo hold of any aircraft, ship, train, tram or bus (see 3.1.1 c]); or • is sporting equipment while in use (see 3.1.1 d]). The amount we will pay (acting reasonably) will be the lesser of: • the depreciated value after allowing for age, wear and tear (see Depreciation on page 95 for details); • the original purchase price; • the replacement cost; or • the repair cost. We will not apply depreciation to any item we pay you for where less than twelve (12) consecutive months have elapsed since the item was purchased new. The maximum amount we will pay for any item is up to the item limit specified in Part C – Benefit Limits – 3.1 Luggage and the maximum total limit specified in Part C – Benefit Limits – 3.1 Luggage for all items combined. A pair or related set of items, for example (but not limited to) a camera, lenses (attached or not), tripod and accessories are considered as only one item for the purpose of this cover, and the appropriate single item limit will be applied. b] Items specified in 3.1.1 a] that are left in a vehicle are only covered during daylight hours and must have been left in a concealed storage compartment of a locked vehicle, and in the event of theft forced
79 entry must have been made. The most we will pay is up to the amount specified in Part C – Benefit Limits – 3.1 Luggage for each item stolen from a vehicle, and up to the total amount specified in Part C – Benefit Limits – 3.1 Luggage for all items stolen from a vehicle. c] No cover is available for valuables left in a vehicle at any time or valuables checked in to be transported in the cargo hold of any aircraft, ship, train, tram or bus including any loss from the point of check in until collection by you from the baggage carousel or collection area at the end of your flight, voyage or trip. However, cover will be available for loss theft or accidental damage to tablets and mobile/smartphones (but not any other valuables) when (without prior notice) you are directed by the airline with whom you have a flight booking to place the tablet or mobile/smartphone into your checked in baggage or overhead cabin locker for the duration of your flight. d] No cover is available for sporting equipment while it is in use. Conditions If you make a claim, you will need to provide proof of your ownership and the value of your belongings. Examples of proof include receipts and/or valuations (e.g. receipt or valuation for jewellery). If you cannot prove the value of the items, the most we will pay for each individual item is ten per cent (10%) of the limit shown for that type of item in the Part C – Benefit Limits – 3.1 Luggage. We expect you to report any loss or theft to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the loss or theft occurred. You should make reasonable efforts to obtain confirmation from whoever you made the report to as this may be the easiest way to provide evidence of the loss or theft. If you delay or fail to make a report and we are prejudiced by your delay or failure, we may be entitled to reduce your claim by the amount of prejudice we have suffered. If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred we will deduct the amount you are entitled to from any claim payable by us. However, if you are not reimbursed the full amount of your loss, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of the cover available.
80 3 � 1 � 2 What we exclude To the extent permitted by law, we will not pay a claim in relation to your items (including valuables) if: a] the loss, theft or damage is to, or of, items left behind in any hotel or motel room after you have checked out, or items left behind in any aircraft, ship, train, tram, taxi or bus; b] the covered items or valuables were being sent unaccompanied by you or under a freight contract; c] the loss or damage arises from any process of cleaning, repair or alteration; d] the loss or damage arises from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin; e] the covered item or valuable disappears in circumstances that cannot be explained to our reasonable satisfaction; f] your claim arises from a government authority confiscating, detaining or destroying anything; g] you do not take all reasonable precautions to safeguard your covered items or valuables. For example, you will not be taking reasonable precautions if you leave your belongings in a publicly accessible location: • at such a distance from you that you are unable to prevent them being taken; or • with a person who is not a travel companion or a relative (or if these persons fail to take all reasonable precautions to safeguard your covered items or valuables). This includes forgetting or misplacing any items, leaving them behind or walking away from them; h] the covered item or valuable has an inherent defect or an electrical or mechanical breakdown; i] the covered item or valuable is fragile or brittle or is an electrical component and is broken unless the breakage was caused by theft, fire or an accident involving a vehicle in which you were travelling; or j] the loss or damage arises from scratches occurring to lenses or screens of covered items or valuables however caused.
81 Section 3 � 2 Luggage delay 3 � 2 � 1 What we cover If during the period of cover available for your journey, any items of your baggage, clothing and personal valuables are delayed, misdirected or misplaced by the carrier for more than twelve (12) consecutive hours, we will reimburse you for the reasonable costs you incur for you to purchase essential items of clothing or other personal items, up to the limit shown in Part C – Benefit Limits – 3.2 Luggage Delay. Conditions You will need to make reasonable efforts to obtain confirmation from the carrier who was responsible for your luggage and personal effects confirming that your items were delayed, misdirected or misplaced as this may be the easiest way to provide evidence of the delay. We will deduct any amount we pay you under this section from any subsequent claim you make for lost clothing or personal items payable under SECTION 3.1 LUGGAGE. If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred we will deduct the amount you are entitled to from any claim payable by us. However, if you are not reimbursed the full amount of your loss, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of the cover available. Section 4 � 1 Funeral expenses 4 � 1 � 1 What we cover If you die as a result of an injury occurring during the period of cover available for your journey we will pay your reasonable funeral expenses or the cost of repatriation of your remains to your home or nominated funeral home (if necessary) up to the amount specified in Part C – Benefit Limits – 4.1 Funeral Expenses.
82 Rental Vehicle Excess in Australia Insurance Part A – Eligibility for Cover Not all insurance covers are available for all St.George Bank cards or all cardholders and different conditions may also be available for different cardholders, so please refer to each Part of this insurance to determine the complimentary insurance benefits that may be available to you. Eligibility for the cover available depends upon the type of St.George Bank card you have. Who is eligible? Level 1 Card and Level 2 Card cardholders are eligible when the entire payment for the vehicle rental was charged to the accountholder’s card account. Part B – Period of Cover The cover available begins when you collect the rental vehicle from the rental vehicle company or agency you have entered into a rental vehicle agreement with and ends when you return the rental vehicle to the rental vehicle company or agency or the expiry of the rental vehicle agreement, whichever occurs earlier. Part C – Benefit Limits The table sets out the maximum limits of what we will pay under Rental Vehicle Excess in Australia Insurance. All limits and sub-limits in the table below are shown in Australian dollars. Please read the entire booklet to ensure that the covers, limits and benefits meet your requirements. If you need advice in respect of your particular circumstances or needs please consult an appropriately licensed insurance adviser. Card Limit Level 1 Cards and Level 2 Cards Maximum total limit of up to the amount specified in your rental vehicle agreement or $5,500, whichever is the lesser.
83 Part D – Excess and Exclusions Excess – what you contribute to a claim An excess of $300 applies to each claim payable under Rental Vehicle Excess in Australia Insurance. You must pay the excess amount for each claim made even if a number of claims are submitted on the one claim form. Exclusions The exclusions below set out what is not covered. You should also read each section as they contain specific exclusions that also apply. To the extent permitted by law we do not cover you for any loss, damage or expense caused by, arising from, or in any way related to:
- you using the rental vehicle in breach of the rental vehicle agreement;
- you using the rental vehicle without a licence for the purpose that you were using it; (such as but not limited to the carrying of fare paying passengers or the carrying of freight);
- administrative charges or fees of the rental company that are not a component of the amount that is specified in your rental vehicle agreement;
- your claim is for consequential loss of any kind including loss of enjoyment;
- you booking or taking travel against medical advice, travel for the purpose of getting medical treatment or advice, or travel taken after a medical adviser informs you that you are terminally ill;
- your intentional self harm or your suicide or your attempted suicide;
- the effect of or your chronic use of alcohol or drugs or any transmissible disease as a result of giving or taking a drug, unless the use of the drug is supervised by a medical adviser;
- any act of terrorism;
- any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military;
- a nuclear reaction or contamination from nuclear weapons or radioactivity;
84 11. biological and/or chemical materials, substances, compounds or the like used directly or indirectly for the purpose of harming or to destroy human life and/or create public fear; 12. providing cover or being liable to pay any claim or provide any benefit (including a refund on premium) hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would contravene or otherwise expose us to the risk of any penalty, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, New Zealand, the European Union, United Kingdom or United States of America. Part E – The cover available Cover is only available if your rental vehicle agreement specifies an amount that is payable in the event the rental vehicle is damaged or stolen while in your custody. This section does not cover items such as, but not limited to, tyres and/or windscreens, roof and underbody if they are not covered by the indemnity provided by the rental company or agency under the rental vehicle agreement to which the amount payable applies. What we cover If, during the period of cover available, a rental vehicle you have rented from a rental company or agency is: • involved in a motor vehicle accident while you are driving it; or • damaged or stolen while in your custody, then we will pay you the lesser of: • property damage for which you are liable; or • the amount specified that you must pay under your rental vehicle agreement; or • the limit shown in Part C – Benefit Limits.
85 Conditions If you make a claim you must provide a copy of: • your rental vehicle agreement; • the incident report that was completed; • repair account; • an itemised list of the value of the damage; and • written notice from the rental company or agency advising that you are liable to pay the amount specified in your rental vehicle agreement. Purchase Protection Insurance Part A – Eligibility for Cover Not all insurance covers are available for all St.George Bank cards or all cardholders and different conditions may also be available for different cardholders, so please refer to each Part of this insurance to determine the limits of the complimentary insurance benefits that may be available to you. Eligibility for the cover available depends upon the type of St.George Bank card you have. Who is eligible? Level 1 Card and Level 2 Card cardholders are eligible for Purchase Protection Insurance for covered items or valuables: • purchased anywhere in the world; or • given as a gift to any permanent Australian resident, provided the whole purchase price of the covered item is charged to the accountholder’s card account. Part B – Period of Cover Purchase Protection Insurance applies to covered items and valuables after the date that you take possession of the covered item or valuable when the full purchase price of the covered item or valuable is charged to the accountholder’s card account. The following maximum period of cover is available for your covered items and valuables.
86 Card Period of Cover Level 1 Cards and Level 2 Cards Four (4) consecutive months for purchases made with Level 1 Cards and Level 2 Cards Part C – Benefit Limits The table sets out the maximum limits of what we will pay under Purchase Protection Insurance. The cover available is outlined in Part E and is subject to the applicable terms, conditions, exclusions, limits and applicable sub-limits. If you need advice in respect of your particular circumstances or needs please consult an appropriately licensed insurance adviser. Card Limit Level 1 Cards and Level 2 Cards Purchase price charged to card account limited to $10,000 per covered item or valuable except for jewellery watches and new works of art which are limited to $3,500 per claim. Maximum total limit of all claims in any twelve (12) month period is $135,000. Part D – Excess and Exclusions Excess – what you contribute to a claim An excess of $300 applies to each claim payable under Purchase Protection Insurance. You must pay the excess amount for each claim made even if a number of claims are submitted on the one claim form.
87 Exclusions The exclusions below set out what is not covered. You should also read each section as they contain specific exclusions that also apply. To the extent permitted by law we do not cover you for any loss, damage or expense caused by, arising directly or indirectly from or in any way related to:
- the loss, theft or damage to, or of, items left behind in any hotel or motel room after you have checked out, or items left behind in any aircraft, ship, train, tram, taxi or bus;
- covered items or valuables being sent unaccompanied by you or under a freight contract;
- loss or damage arising from any process of cleaning, repair or alteration;
- loss or damage arising from ordinary wear and tear, deterioration, atmospheric or weather conditions, insects, rodents or vermin;
- the disappearance of covered items or valuables in circumstances that cannot be explained to our reasonable satisfaction;
- your claim arising from a government authority confiscating, detaining or destroying anything;
- you not taking all reasonable precautions to safeguard your covered items or valuables. For example, you will not be taking reasonable precautions if you leave your belongings in a publicly accessible location: • at such a distance from you that you are unable to prevent them being taken; or • with a person who is not a travel companion or a relative (or these persons fail to take all reasonable precautions to safeguard your covered items or valuables). This includes forgetting or misplacing any items, leaving them behind or walking away from them;
- the covered item or valuable having an electrical or mechanical breakdown.
- any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military;
88 10. a nuclear reaction or contamination from nuclear weapons or radioactivity; 11. biological and/or chemical materials, substances, compounds or the like used directly or indirectly for the purpose of harming or to destroy human life and/or create public fear; 12. providing cover or being liable to pay any claim or provide any benefit (including a refund on premium) hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would contravene or otherwise expose us to the risk of any penalty, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, New Zealand, the European Union, United Kingdom or United States of America; 13. illegal or criminal acts by you, your spouse, your dependants or any other person acting with your consent or under your direction; 14. your failure to take reasonable care. Part E – The cover available You must take all reasonable precautions to safeguard your covered items and your valuables. If you do not, we will not pay your claim. For example, you will not be taking reasonable precautions if you leave your covered items or your valuables in a publicly accessible location: • at such a distance from you that you are unable to prevent them being taken; or • with a person who is not a travel companion or a relative (or if these persons fail to take all reasonable precautions to safeguard your covered items and your valuables). This includes forgetting or misplacing any items, leaving them behind or walking away from them.
89 What we cover If during the period of cover available, your covered item or valuable is stolen, accidentally damaged or permanently lost, except when: • left in a vehicle; or • are valuables checked in to be transported in the cargo hold of any aircraft, ship, train, tram or bus; or • is sporting equipment while in use, we will pay the lesser of: a] the original purchase price charged to the accountholder’s card account up to the limit specified in Part C – Benefit Limits; or b] the limit per claim specified in Part C – Benefit Limits in respect of jewellery, watches and new works of art. The most we will pay in any twelve (12) month period in respect of any one card account is the maximum total limit specified in Part C – Benefit Limits. Conditions If you make a claim, you will need to provide proof of your ownership and the value of your belongings. Examples of proof include receipts and/or valuations (e.g. receipt or valuation for jewellery). We expect you to report any loss or theft to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the loss or theft occurred. You should make reasonable efforts to obtain confirmation from whoever you made the report to as this may be the easiest way to provide evidence of the loss or theft. If you delay or fail to make a report and we are prejudiced by your delay or failure, we may be entitled to reduce your claim by the amount of prejudice we have suffered. If you are entitled to be reimbursed by the bus line, airline, shipping line or rail authority you were travelling on when the loss, theft, misplacement or damage occurred we will deduct the amount you are entitled to from any claim payable by us. However, if you are not reimbursed the full amount of your loss, we will pay the difference between the amount of your loss and what you were reimbursed, up to the limit of the cover available.
90 Extended Warranty Insurance Part A - Eligibility for Cover Not all insurance covers are available for all St.George Bank cards or all cardholders and different conditions may also be available for different cardholders, so please refer to each section of this booklet to determine the complimentary insurance benefits that may be available to you. Eligibility for the cover available depends upon the type of St.George Bank card you have. Who is eligible? Level 1 Card and Level 2 Card cardholders are eligible for Extended Warranty Insurance when the whole purchase price of the covered product is charged to the accountholder’s card account. This Extended Warranty Insurance is not transferable. Part B – Period of Cover Cover applies from the date the manufacturer’s warranty expires and applies for the same period as the manufacturer’s warranty for up to a maximum of two (2) consecutive full years. However, there is no cover if the manufacturer’s warranty exceeds five (5) years. The table below sets out examples of how extended warranty periods apply. Manufacturer’s Warranty Period Extended Warranty Period Level 1 Cards and Level 2 Cards 6 months 6 months 1 year 1 year 2 to 5 years 2 years Over 5 years No cover
91 Part C – Benefit Limits The table sets out the maximum limits of what we will pay under Extended Warranty Insurance. All limits and sub-limits in the table below are shown in Australian dollars. The cover available is outlined in Part E and is subject to the applicable terms, conditions, exclusions, limits and applicable sub-limits. If you need advice in respect of your particular circumstances or needs please consult an appropriately licensed insurance adviser. Card Limit Level 1 Cards and Level 2 Cards Purchase price charged to card account limited to $20,000 per covered product up to a maximum total limit of $20,000 per card account in any twelve (12) month period. Part D – Excess and Exclusions Excess – what you contribute to a claim An excess of $300 applies to each claim payable under Extended Warranty Insurance. You must pay the excess amount for each claim made even if a number of claims are submitted on the one claim form. Exclusions The exclusions below set out what is not covered. You should also read each section as they contain specific exclusions that also apply. To the extent permitted by law we do not cover you for any loss, damage or expense caused by, arising from, or in any way related to:
- illegal or criminal acts by you, your spouse, your dependants or any other person acting with your consent or under your direction;
- your failure to take reasonable care;
- any act of war, whether war is declared or not, or from any rebellion, revolution, insurrection or taking of power by the military;
92 4. a nuclear reaction or contamination from nuclear weapons or radioactivity; 5. biological and/or chemical materials, substances, compounds or the like used directly or indirectly for the purpose of harming or to destroy human life and/or create public fear; 6. providing cover or being liable to pay any claim or provide any benefit (including a refund on premium) hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would contravene or otherwise expose us to the risk of any penalty, sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of Australia, New Zealand, the European Union, United Kingdom or United States of America. Part E – The cover available Your covered product may come with guarantees that cannot be excluded under the Australian Consumer Law (ACL) or other relevant law. This cover operates alongside, and in addition to, the rights and remedies to which you may be entitled under the ACL and any other law that applies to your covered product and does not change those rights or remedies. What we cover If a covered product that you purchased and charged the whole purchase price of to the accountholder’s card account, suffers a covered breakdown during the period of cover available after the manufacturer’s warranty expires we will reimburse you the lesser of: • the original purchase price, or • the repair cost; or • the replacement cost; or • the limit per covered product specified in Part C – Benefit Limits – Extended Warranty Insurance, subject to the maximum total limit for any one card account in any twelve (12) consecutive month period specified in Part C – Benefit Limits – Extended Warranty Insurance.
93 Conditions Only items with a manufacturer’s unique identification serial number on them are covered under this insurance. You should take all reasonable care to protect and/or maintain your covered products. You should obtain our approval before starting any repairs or replacement of any covered product that has suffered a covered breakdown. You should keep the covered product for which you are claiming or relevant parts of the covered product so that we may inspect them. Claims How to make a claim Please do not contact St � George Bank in the event of a claim � First check that you are entitled to claim by reading the appropriate section in this booklet, especially Part D of that section, to see exactly what is, and is not covered, noting particularly any conditions, limitations and exclusions. Allianz Global Assistance administers the benefits available under the group policy. You should give Allianz Global Assistance notice of your claim as soon as possible. In order to be sure that any expenses you claim are covered by the group policy you should always, when practicable, contact Allianz Global Assistance for approval before you incur expenses you wish to claim. If you do not, we will pay for expenses incurred up to the amount we would have authorised had you asked us first. You are not covered for any claim made after termination of, or the expiry of the period of insurance specified in, the group policy. St.George Bank will provide you with details of any replacement cover. You can obtain claim forms and information on how to make a claim at: insurance.agaassistance.com.au/stgeorge You can lodge your travel claim online at: claimmanager.com.au/stgeorge
94 Allianz Global Assistance will consider your claim within 10 business days of receiving a completed claim form and all necessary documentation. If they need additional information, a written notification will be sent to you within 10 business days. If there is a delay in claim notification, or you do not provide sufficient detail for Allianz Global Assistance to consider your claim, we can reduce any claim payable by the amount of prejudice we have suffered because of the delay. You should give any information Allianz Global Assistance reasonably asks for to support your claim at your expense, such as but not limited to police reports, valuations, medical reports, original receipts or proof of purchase and ownership. If required Allianz Global Assistance may ask you to provide them with translations into English of any such documents to enable their consideration of your claim. You should co-operate at all times in relation to providing supporting evidence and such other information that may reasonably be required. In particular: • If you think that you may have to cancel your journey or shorten your journey you should tell us as soon as reasonably possible. Contact Allianz Global Assistance using the contact number, or if overseas the 24-hour Emergency Assistance number, shown inside the front cover of this booklet. • In the event of an emergency or admission to hospital overseas or for medical, hospital or dental claims, contact Allianz Global Assistance as soon as practicable. • For loss or theft of your covered items or valuables, you should report it as soon as possible to the police and obtain confirmation of your report. If you delay or fail to make a report, we may reduce or refuse your claim to the extent we are prejudiced by your delay or failure. • For damage or misplacement of your covered items or valuables, caused by the airline or any other operator or accommodation provider, report the damage or misplacement as soon as possible to an appropriate official and make reasonable efforts to obtain a written report, including any offer of settlement that they may make.
95 Depreciation When taking into consideration the age of a covered item or valuable we will (acting reasonably) deduct the following amounts from our settlement for each item you have claimed: • For toiletries and medication (including skin care, make-up, perfume, deodorant and aftershave) we will deduct 50% of the purchase price for each year you have owned the item up to a maximum deduction of 80%; • For mobile phones, smart phones, electrical devices, communication devices, all computers (including laptops and tablets), photographic equipment and electronics equipment we will deduct 20% of the purchase price for each year you have owned the item up to a maximum deduction of 80%; • For clothing, footwear, luggage and books we will deduct 15% of the purchase price for each year you have owned the item up to a maximum deduction of 80%; • For camping, sporting and leisure equipment (but not leisure clothing) and musical instruments we will deduct 10% of the purchase price for each year you have owned the item up to a maximum deduction of 80%; • For jewellery we will not make any deduction. Please note, watches are not considered jewellery and are included under other items below; • For all other items we will deduct 15% of the purchase price for each year you have owned the item up to a maximum deduction of 80%. For example: You have a $500 digital camera that was purchased 2 years before the date it was lost. The rate of depreciation would be 20% per year. In settlement of your claim we would pay you $300 (i.e. we will depreciate the value of the digital camera by 20% of the purchase price for each of the 2 years you have owned it), calculated as follows: Year 1 – Purchase price of $500 less 20% ($100) = $400 Year 2 – Depreciated value of $400 less 20% of the purchase price ($100) = $300 Claims are payable in Australian dollars We will pay all claims in Australian dollars. We will pay you unless you tell us to pay someone else. The rate of currency exchange that will apply is the rate at the time you incurred the expense. Payment will be made by direct credit to a bank account nominated by you.
96 You should not admit fault or liability You should not admit that you are at fault, for any accident, incident or event causing a claim, and you must not offer or promise to pay any money, or become involved in legal action, without the approval of Allianz Global Assistance. If you do, we may reduce or refuse your claim to the extent we are prejudiced. Recovery If we have a claim against someone in relation to the money we have to pay or we have paid, you must take reasonable steps to help us do that in legal proceedings. If you are aware of any third party that you or we may recover money from, you should inform us of such third party. When making a claim you should tell us about any other insurance under which you are or might be able to claim. If you can claim from another insurer and we also pay you in respect of the same insured event, then you will be required to refund to us the amount we paid if the other insurer also paid you. You cannot claim from us and from the other insurer to obtain an aggregate amount that exceeds your loss. If during the period of cover made available, you suffer a loss which is not covered by the group policy, we may offer to attempt to recover your uninsured loss for you. You may specifically ask us to recover this for you however, we have no obligation to do so. You will need to give us documents supporting your loss. Before we include any uninsured loss in a recovery action we will also ask you to agree to the basis on which we will handle your uninsured recovery action. You may need to contribute to legal costs in some circumstances. We will apply any money we recover from someone else under a right of subrogation in the following order:
- To us, our costs (administration and legal) arising from the recovery.
- To us, an amount equal to the amount that we paid to you under the group policy.
- To you, your uninsured loss (less your excess).
- To you, your excess.
97 Once we pay your total loss (including your uninsured loss and any excess) we will keep all money left over. If we have paid your total loss and you receive a payment from someone else for that loss or damage, you will need to pay us the amount of that payment up to the amount of the claim we paid you. How GST may affect your claim If you are entitled to claim an input tax credit in respect of a cost for which a claim is made, or would be entitled to an input tax credit if you were to incur the relevant cost (i.e. in replacing a lost or stolen item), the amount we would otherwise pay will be reduced by the amount of that input tax credit. Fraud When making a claim you have a responsibility to assist us and to act in an honest and truthful manner. If any claim is fraudulent in any way or if you or anyone acting on your behalf uses fraudulent means to make a claim on the cover described in this booklet, then no payment will be made in regard to the claim. Also St.George Bank will be informed of the situation and you may no longer be eligible for the cover described in this booklet.
98 Complaints & disputes If you are dissatisfied with our service in any way, please contact us and we will attempt to resolve the matter in accordance with our internal dispute resolution procedures. If we do not make a decision within the period that we tell you we will respond, we will tell you about your right to lodge a complaint with an external dispute resolution scheme. If you are not happy with our response, you can refer your complaint to AFCA subject to its terms of reference. AFCA provides a free and independent dispute resolution service for consumers who have general insurance disputes falling within its terms. AFCA’s contact details are: The Australian Financial Complaints Authority Online: www.afca.org.au Phone: 1800 931 678 Email: info@afca.org.au Mail: GPO Box 3 Melbourne VIC 3001 For more information on how we handle complaints you can request a copy of our procedures, using our contact details on the inside front cover. General Insurance Code of Practice The General Insurance Code of Practice was developed by the Insurance Council of Australia to further raise standards of practice and service across the insurance industry. The Code Governance Committee (CGC) is an independent body that monitors and enforces insurers’ compliance with the Code. You can obtain more information on the Code of Practice and how it assists you by contacting us. Contact details are provided on the inside front cover of this booklet. For more information on the Code Governance Committee (CGC) go to www.insurancecode.org.au .
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© St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. WBCST22426 0323 We’re here if you need us For Complimentary Insurance claims and enquiries, contact Allianz Global Assistance on 1800 091 710 Monday to Friday: 8am to 8pm AEST Saturday: 8am to 5pm AEST For Card related queries, contact St � George on Ask at any branch � Call us on 133 800, 8 � 00am to 8 � 00pm Monday to Friday (AEST) � Visit stgeorge � com � au
Source: https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/stg-cc-fee-charges.pdf
Credit Card Accounts Fees and charges. Effective: 30 September 2026
You’ve got questions? We’ve got time to talk. Ask at any branch 13 33 30 8.00am to 8.00pm Monday to Friday (AEST) stgeorge.com.au Accessibility support If you are deaf, hard of hearing, or have speech/communication difficulty, you can message us within the St.George App or communicate with us using the National Relay Service www.accesshub.gov.au/about-the-nrs . If English is not your preferred language, contact us and we can arrange a language interpreter. Visit www.stgeorge.com.au/accessibility for further information on the accessible features on our products, services and accessible collateral for people with disability, who are neurodivergent or where English is not your preferred language.
3 Cards for sale Card fee (per year) except for Vertigo Additional card(s) at no extra cost Vertigo Visa $7.00 per month 1 Amplify Platinum Visa $175.00 1 Amplify Signature Visa $295.00 1 Amplify Business Visa $89.00 1 BusinessVantage Visa $55.00 per card (up to 99 cards) N/A
4 Rewards Program Applicable Cards Annual Rewards Program Fee Amplify Rewards Amplify Platinum $75.00 Amplify Signature $75.00 Amplify Qantas Amplify Platinum $125.00 Amplify Signature $155.00 Cards no longer for sale Card Fee (per year) Amplify Visa $79.00 No Annual Fee Visa/ Mastercard ® $0.00 Essential Visa/Mastercard $39.00 Vertigo Mastercard $55.00 Vertigo Platinum Visa $99.00 Starts Low Stays Low Visa/ Mastercard $55.00 Gold Low Rate Visa/ Mastercard $79.00 Gold Advantage Visa/ Mastercard $79.00 Platinum Visa/Mastercard $89.00 Platinum Advantage Visa $79.00
5 Missed Payment Fee Fee applied for each missed payment Personal credit card accounts: $20.00. Amplify Business and BusinessVantage: From 22 November 2021 $0.00. Card Replacement Fees Card Replacement Fee (inside or outside of Australia) $0.00 (courier costs may apply) Other Copy Fees Copy of a sales voucher $10.50 Copy of a deposit or withdrawal form $15.00
6 Fees stated are current as at the date of this brochure, but may change from time to time. We will notify you of changes as required under the Credit Card Terms and Conditions for personal credit card accounts, or the Conditions of Use for business credit card accounts. All fees are debited to your credit card account under the Credit Card Terms and Conditions/Conditions of Use for the account. The fees are payable as part of the minimum payment required under those Credit Card Terms and Conditions/Conditions of Use. A Credit Card Offer and Credit Card Terms and Conditions/Conditions of Use will be provided at the time of approval. Please refer to these documents for full information on the fees and charges applicable to your credit card account. Foreign Transactions We charge a 3% Foreign Transaction Fee as a percentage of the Australian dollar value of any Foreign Transaction (includes transactions in a foreign currency, or in any currency with a merchant or processing entity located outside Australia).
7 Cash Advance Fee Cash Advance Fee charged as a percentage of the transaction amount. Personal credit card accounts: 3.5% Amplify Business and BusinessVantage: 3% Overlimit Fee Payable if a transaction is made for an amount exceeding the available credit at the date the transaction is debited to your credit card account. Personal credit card accounts: $15.00 once per statement period if your credit card account was opened before 4 June 2012. No overlimit fee will be charged for personal credit card accounts opened on or after 4 June 2012. Amplify Business and BusinessVantage: From 22 November 2021 $0.00 once per statement period.
St.George acknowledges the Traditional Owners as the custodians of this land, recognising their connection to land, waters and community. We pay our respects to Australia’s First Peoples, and to their Elders, past and present. Mastercard ® is a registered trademark of Mastercard International Incorporated. © St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. WBC72519 0926
Source: https://www.stgeorge.com.au/content/dam/stg/downloads/personal/credit-cards/stg-eligible-australian-visa-list.pdf
Acceptable visas 100 Partner (Migrant) 103 Parent 114 Aged Dependent Relative Visa 115 Remaining Relative 116 Carer Visa 117 Orphan Relative Visa 119 Regional Sponsored Migration Scheme (RSMS) Visa 120 Labour Agreement Visa 121 Employer Nomination Scheme (ENS) Visa 124 Distinguished Talent 132 Business Talent (Permanent) 134 Distinguished Talent Visa 136 Skilled Independent Visa 137 Skilled Australian Sponsored Visa 138 Skilled Designated Area Sponsored Visa 139 Skilled Independent Regional (Provisional) Visa 143 Contributory Parent (Permanent) 151 Former Resident 155 Resident Return (5-year) 157 Resident Return Visa 175 Skilled Independent Visa 176 Skilled Sponsored 186 Employer Nomination Scheme 187 Regional Sponsored Migration Scheme 189 Skilled Independent 190 Skilled Nominated 191 Permanent Residence (Skilled Regional) 200 Refugee 201 In-country Special Humanitarian 202 Global Special Humanitarian 203 Emergency Rescue 204 Woman at Risk 801 Partner (Permanent) 802 Child Visa 804 Aged Parent Visa 808 Confirmatory (Residence) Visa 835 Remaining Relative (Onshore) 836 Carer Visa 837 Orphan Relative Visa 838 Aged Dependent Relative Visa 851 Resolution of Status Visa 855 Labour Agreement Visa 856 Employer Nomination Scheme (Onshore) 857 Regional Sponsored Migration Scheme (Onshore) 858 Global Talent 864 Contributory Aged Parent Visa 866 Protection Visa 885 Skilled Independent Visa 886 Skilled Sponsored Visa 887 Skilled Regional (Permanent) 888 Business Innovation and Investment (Permanent) 890 Business Owner (Permanent) 891 Investor (Permanent) 892 State/Territory Sponsored Business Owner (Permanent) 893 State/Territory Sponsored Investor (Permanent) As per the Credit Policy for Credit Cards. Information correct as at 10 July 2025 ©St.George Bank - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Permanent Residence visas:
188 Business Innovation and Investment visa 457 Temporary Work (Skilled) visa (subclass 457) 482 TSS Labour Agreement Stream Temporary Skill Shortage (TSS) visa (subclass 482)
Labour Agreement Stream 482 TSS Medium- Term - MLTSSL or ROL Temporary Skill Shortage (TSS) visa (subclass 482) Medium and Long-term Strategic Skills List (MLTSSL) or the Regional Occupation List (ROL) 482 TSS Short-Term - STSOL Temporary Skill Shortage (TSS) visa (subclass 482) Short Term Skills Shortage (STSOL) 489 Skilled Regional (provisional) visa (subclass 489) 491 Skilled Work Regional (Provisional) visa (subclass 491) 820 Partner visa (subclass 820 801) Visa must have a minimum of 1 year before expiration at the time of applying for credit cards, i.e. “Length of stay” on visa document must be greater than 12 months from application date for credit cards. Temporary Residence visas: Acceptable visas As per the Credit Policy for Credit Cards. Information correct as at 10 July 2025 ©St.George Bank - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.
Source: https://www.stgeorge.com.au/content/dam/stg/downloads/personal/credit-cards/stg_amplify_terms_and_conditions.pdf
St.George Amplify Terms and Conditions Amplify Rewards and Amplify Qantas Effective date: 30 September 2026
We’re here if you need us If you have any questions about the Amplify program: Access your Amplify Rewards Account via Internet Banking or the Mobile App. Call the Amplify Rewards Centre on 1300 489 586, 8am to 8pm (AEST), Monday to Friday. For any questions relating to Qantas Frequent Flyer Points please contact the Qantas Frequent Flyer Program. For questions relating to your Card Account please call the number on the back of your Card. Accessibility support If you are deaf, hard of hearing, or have speech/communication difficulty, you can message us within the St.George App or communicate with us using the National Relay Service www.accesshub.gov.au/about-the-nrs . If English is not your preferred language, contact us and we can arrange a language interpreter. Visit www.stgeorge.com.au/accessibility for further information on the accessible features on our products, services and accessible collateral for people with disability, who are neurodivergent or where English is not your preferred language.
3 Contents
- When these Terms and Conditions apply ........................................................... 4
- Selecting and switching between Amplify programs .................................... 4
- Earning Points ............................................................................................................... 5
- Redeeming Amplify Points for a reward ............................................................. 7
- Qantas Frequent Flyer Program ............................................................................. 8
- Managing your Points ................................................................................................ 9
- Communicating with each other ......................................................................... 10
- Points themselves do not have monetary value ............................................ 10
- Changes to these Terms and Conditions and Amplify ................................ 10
- Termination .................................................................................................................. 11
- Right of assignment .................................................................................................. 11
- Meaning of Important Words ................................................................................ 11
4
- When these Terms and Conditions apply When you or an Additional Cardholder activate your Amplify Card or first make a transaction on it you are treated as having agreed to be bound by these Terms and Conditions. These Terms and Conditions govern: • earning Points on your Amplify Card; and • redeeming Amplify Points for a reward. Qantas Frequent Flyer Points redemptions are covered by the terms and conditions of the Qantas Frequent Flyer Program. The use and operation of your Card is also subject to separate Terms and Conditions which were provided by St.George. You can contact us to request an additional copy at any time.
- Selecting and switching between Amplify programs When you apply for your Amplify Card you will choose one of the following rewards programs to apply to your Card Account: • Amplify Rewards (to earn Amplify Points); or • Amplify Qantas (to earn Qantas Frequent Flyer Points). You may request to switch between rewards programs that are available to your Card Account. Once processed: • you will stop earning Points in the previous program; • Points earned prior to the switch will not be converted to Points in the new rewards program; and • if you make a switch to Amplify Qantas, your Amplify Points will expire after 90 days. Fees apply for each rewards program and will be disclosed in your Card Account’s Financial Table.
5 3. Earning Points 3.1 How do you earn Points? You earn Points for each transaction on your Card Account unless the transaction is ineligible for a reason set out in Clause 3.2. Points will be deducted when a transaction is refunded or reversed. Points are awarded or deducted based on the earn rate applicable on the day a transaction is processed. 3.2 When will you not earn Points? You will not earn Points on: • all fees and interest charges; • Cash Advances; • Balance Transfers; • transactions made using bill payment services such as B PAY ® or Post Billpay; or • Government Related Payments. You will also not earn Points (and cannot redeem Amplify Points) if: • you have not paid the Minimum Payment Due in full and on time; • your Card is blocked or cancelled or your Card Account is blocked or closed; • there is fraud on your Card Account; • your Card has been reported as lost or stolen; • your Card is used for business related purposes; or • you do not comply with any of your important obligations under the Terms and Conditions of your Card Account (including making sure you do not exceed your authorised credit limit). We may adjust your Points balance by the amount of any Points awarded in any of the above circumstances. BPAY ® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.
6 3.3 Earning Qantas Frequent Flyer Points on the Amplify Qantas Program When you choose the Amplify Qantas program, the Points you earn under Clauses 3.1 and 3.2 are credited to your Qantas Frequent Flyer Program. If there are Joint Account Holders, Points will be credited to the Qantas Frequent Flyer Program account nominated by both Account Holders to receive Points when you applied for your Card. For this to happen you must: • be a Qantas Frequent Flyer member; • advise us of your valid Qantas Frequent Flyer membership number; and • ensure the first and last name of your Qantas Frequent Flyer membership matches the first and last name we have on record for you. When we don’t have your Qantas Frequent Flyer membership number or your full name doesn’t match, the Points will be shown on your statement as ‘earned’ but not ‘transferred’. If you correct the issue within four (4) months of opting-in to the relevant rewards program the Points previously earned will be transferred. Otherwise they will be forfeited. Membership in the Qantas Frequent Flyer Program is subject to the terms and conditions of the Qantas Frequent Flyer Program which can be found at qantas.com/terms Joining fees apply. 3.4 How many Points will you earn? Points are calculated on the Australian dollar value of eligible transactions posted to your Card Account, rounded down to the nearest whole dollar. Only whole points will be awarded and fractions of points will be discarded at the time points are awarded. A cap may apply to the number of Points that you can earn in any statement period. To find out how many Points you earn per dollar, when you will receive Points, the Points cap that may apply to your Card Account and how to earn Bonus Points please visit stgeorge.com.au/creditcards or call us on 1300 489 586.
7 4. Redeeming Amplify Points for a reward 4.1 What are the rewards? Information on the rewards available and how many Amplify Points are needed to redeem the rewards can be found on your Amplify Rewards Account. Alternatively, you can call the Amplify Rewards Centre on 1300 489 586. All rewards are subject to availability and substitutions may be necessary. We will only substitute rewards where they are comparable. Please ensure you read the specific conditions set by the reward provider before redeeming. If there is any inconsistency between the specific conditions and these St.George Amplify Terms and Conditions, the specific conditions set by the reward provider will apply. 4.2 How do you redeem your Amplify Points for a reward? You can redeem your Amplify Points via your Amplify Rewards Account. This can be accessed via Internet Banking, the Mobile App or by calling the Amplify Rewards Centre on 1300 489 586 (8am – 8pm, AEST, Monday to Friday excluding National Public Holidays). To redeem your Amplify Points you must: • be the Account Holder (Additional Cardholders cannot redeem rewards); • have a balance of at least 3,000 Points unless we advise you otherwise; and • have enough Points in your balance at the time of your claim. Your Amplify Points can be combined with Amplify Points earned on another eligible Amplify Card Account when the account is in your name. You cannot combine your Amplify Points with Amplify Points earned on an account in someone else’s name. Unless we specifically advise you otherwise, you cannot cancel or change a reward claim once your redemption is processed, nor can you exchange or return a reward to obtain a re-credit of Amplify Points because you change your mind.
8 We are not responsible if you cannot redeem your Amplify Points for a reward for reasons beyond our control. If your Card Account is closed, or you switch into a rewards program other than Amplify Rewards, it may affect the way that you redeem Amplify Points and/or the rewards available for redemption. For example, you may need to redeem your Amplify Points through the Amplify Rewards Centre rather than via Internet Banking. 4.3 Delivery of Rewards Neither we nor our agents are responsible if a reward is lost, stolen or damaged after it has been dispatched for reasons beyond our reasonable control. 5. Qantas Frequent Flyer Program St.George is not responsible for the Qantas Frequent Flyer Program in any way. If changes are made to the Qantas Frequent Flyer Program or it is discontinued, we will not be responsible for the impact this may have on Points earned through use of your Card. We make no express or implied warranty or representation in connection with Qantas Frequent Flyer Points and are not liable for any loss you suffer arising in connection with them, including loss suffered due to Qantas Frequent Flyer Program ceasing its operations.
9 6. Managing your Points 6.1 How long do you have to use your Points? Amplify Points do not expire while your Card Account is open and you remain enrolled in Amplify Rewards. If your Card Account is closed, you must use your Points linked to that Card Account within 90 days. Amplify Points expire upon the death of the Account Holder. However, if we are notified within six months of the Account Holder’s death, we will convert the remaining Amplify Points to a statement credit to the Card Account. We will use the rate that applies to an ‘Amplify annual fee rebate’ at that time which is available by contacting the Amplify Rewards Centre. For details regarding Qantas Frequent Flyer Point expiry please contact the Qantas Frequent Flyer Program. 6.2 How can you keep track of your Points balance? You may check your Amplify Points balance at any time on your Amplify Rewards Account. Alternatively, you can call the Amplify Rewards Centre. To check your Qantas Frequent Flyer Points balance please contact the Qantas Frequent Flyer program. Your Card statement will show for the period covered: • your Amplify Points balance, including Amplify Points earned and redeemed; and • any Points earned and credited to your Qantas Frequent Flyer Account. 6.3 What should you do if you have questions relating to the Points information? If you have any questions relating to the Points information displayed on your Card statement, please contact the Amplify Rewards Centre. If you believe you are missing Points you must contact us within six months of the date of the relevant Purchase. You may be required to send copies of the relevant sale receipts or the Card statement showing the Purchase. Before you do this, please check your Card statement and Points record carefully. We may adjust your total Points balance if Points have been incorrectly credited or debited for any reason.
10 7. Communicating with each other We will send communications in connection with the Amplify program to the postal or email address that we have on record. You must tell us if you change your postal or email address. We may also send communications through St.George Internet Banking. Details of how you can contact us are included at the back of this document. 8. Points themselves do not have monetary value Points are not property or money, cannot be transferred to another person and have no cash value. Amplify Points can only be used to redeem rewards as outlined in Clause 4. Qantas Frequent Flyer Points will only be transferred to your Qantas Frequent Flyer Account as outlined in Clause 3.3. 9. Changes to these Terms and Conditions and Amplify We may change these Terms and Conditions and other aspects of the Amplify program at any time. For example, we may: • change the way you earn Points, or the amount of Points you earn on your Card; • introduce fees or vary fees we have introduced on your Amplify Card; • change the way you redeem Amplify Points, or the amount of Amplify Points required to redeem for a reward; • change the rewards that are available through Amplify Rewards and the specific conditions on which those rewards are made available. We will provide at least 30 days prior to notice of changes, unless: • a change is necessitated by an immediate need to restore or maintain the security of our systems or of individual accounts; or • a change is necessitated by changes in law, an official directive or the guidelines or requirements of a regulator; or • a change is necessitated by changes to the Qantas Frequent Flyer Program; or
11 • we reasonably consider the change to be non - material; or • the change is beneficial to you. 10. Termination We may terminate the Amplify program at any time but will give you 90 days’ notice unless it is impractical to do so. We will provide you with a pro - rata refund of any fees you paid for participating in the terminated reward program for the current membership year. 11. Right of assignment We may assign our rights under these Terms and Conditions to someone else. You may not assign your rights under these Terms and Conditions to another person. 12. Meaning of Important Words Account Holder The person who opens the Card Account with us. Amplify The rewards programs operated by us on these Terms and Conditions comprising Amplify Rewards and Amplify Qantas. Amplify Card or Card A St.George branded Amplify credit card issued by us. Card Account Means the credit card account linked to your Amplify Card. Cash Advance A transaction where you: • withdraw cash • pay for items we consider to be equivalent to cash (for example; foreign currency, traveller’s cheques, money orders or stored value cards)
12 • transfer funds to another account or stored value card (for example a bank account, trading account or prepaid card) except where this is done as a Balance Transfer. • pay bills over the counter or through a third party (other than B PAY ) • pay a Merchant that provides gambling services and products, including merchants that sell lottery tickets, or anything else we treat as being a Cash Advance. We classify transactions using information provided to us by the card scheme (Visa or Mastercard), which tells us about the main type of business conducted by the Merchant. All transactions with Merchants, especially those whose main business is listed above, may be treated as Cash Advances. Government Related Payment A Purchase from or payment to a local, state or federal government or government related agency, including to the Australian Tax Office, Australia Post or to motor vehicle registries. We classify transactions using information provided to us by the card scheme (Visa or Mastercard), which tells us the main type of business conducted by the Merchant. We will treat any transaction that the card scheme tells us is government related as a Government Related Payment. Joint Account Holder An Account Holder who holds a Card Account jointly with another Account Holder. Point A rewards Point that has been earned under either the Amplify Rewards or Amplify Qantas programs. Qantas Qantas Airways Limited ACN 009 661 901.
13 Qantas Frequent Flyer Program The promotional program operated by Qantas which is known as such. St.George , we or us St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. You The Account Holder. If there are Joint Account Holders, you means each of you separately and both of you jointly. You includes your successors. Unless they are defined above, terms which have a defined meaning in the Card Account Terms and Conditions will have the same meaning in these St.George Amplify Terms and Conditions. Where there is a reference to a document, the reference will also apply to any variation or replacement of that document.
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St.George acknowledges the Traditional Owners as the custodians of this land, recognising their connection to land, waters and community. We pay our respects to Australia’s First Peoples, and to their Elders, past and present. © St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. WBCST10972 0926
Source: https://www.stgeorge.com.au/content/dam/stg/downloads/personal/credit-cards/stg_credit_card_terms_and_conditions.pdf
St.George Credit Cards • Terms and Conditions • Credit Guide • Information Statement Effective date: 27 June 2024
You’ve got questions? We’ve got time to talk. Should you lose your card, immediately notify the 24-hour card service centre on 1800 028 208 within Australia, 7 days a week. Ask at any branch For other credit card enquiries give us a call on 13 33 30 , 8:00am to 8:00pm Monday to Friday (AEST) stgeorge.com.au Accessibility support At any time, you can inform us how you would prefer to be contacted. If you are deaf and/or find it hard hearing or speaking with people who use a phone, you can reach us through the National Relay Service (NRS). To use the NRS you can register by visiting infrastructure.gov.au/national-relay-service Visit stgeorge.com.au/accessibility for further information on our accessible products and services for people with disability.
3 Contact details For general enquiries relating to your Card Account or to report a problem please contact us using any of the methods below. You must contact us immediately if your Card is lost or stolen or you believe your PIN or other passcodes have been compromised (this may stop you being liable for some types of transactions (see Clause 8)). Visit us online at stgeorge.com.au/creditcards Call us 24 hours a day, 7 days a week on 1800 028 208 if you are in Australia +61 2 9155 7800 if you are abroad Ask at any branch If you wish to contact us in relation to financial hardship assistance, or have a complaint, please see the table below: Customer Solutions and Support Phone: 13 33 30 Online: stgeorge.com.au/contact-us/customer-complaints St.George Customer Assist (if you are experiencing financial difficulties please contact us as soon as possible) Phone: 1800 629 795 Online: stgeorge.com.au/contact-us/financial-hardship Australian Financial Complaints Authority (AFCA) If you are not satisfied with our response or handling of your complaint you may contact this free, independent external dispute resolution scheme Phone: 1800 931 678 (free call) Online: www.afca.org.au Email: info@afca.org.au Mail: GPO Box 3 Melbourne VIC 3001
4 Contents 1.0 About your contract with us ....................................................................... 5 2.0 Your Card and PIN .......................................................................................... 6 3.0 Using your Card .............................................................................................. 7 4.0 Statements and other communications .............................................. 11 5.0 Fees and interest ........................................................................................ 12 6.0 Paying your Card Account ........................................................................ 16 7.0 St.George Plan&Pay ................................................................................... 17 8.0 What to do if you have a problem ............................................................ 20 9.0 Closing your Card Account or cancelling your Card ......................... 23 10.0 Our additional obligations and rights ................................................... 25 11.0 Meaning of important terms .................................................................... 28 Credit Guide ............................................................................................................... 32 Information statement ........................................................................................... 35
5 1.0 About your contract with us 1.1 Introduction These Terms and Conditions govern all St.George consumer Credit Cards. 1.2 The Credit Card Contract The Credit Card Contract is made up of these Terms and Conditions along with the Financial Table attached to the letter of offer that we sent you (both contain some of your pre-contractual information). Please read these documents together and keep them. 1.3 When the contract is formed The Credit Card Contract between you and us is formed and these Terms and Conditions take effect when you activate the Card Account, accept the Credit Card Contract using any other method we make available, or when the first transaction is made on the Card Account. If there is more than one of you, you are liable jointly and individually for the balance owing on the Card Account and we can ask either or both of you to repay it. Either of you can write to us to cancel your Cards and request to terminate your liability for future transactions on your Card Account. Each of you will still be liable for any balance outstanding and all transactions made prior to your request, even if they are debited to the Card Account after your request. Either of you may do anything that these Terms and Conditions allow one of you to do. For example, either of you may ask for a Card to be issued to another person or reduce the credit limit. 1.4 Codes of practice The relevant provisions of the Banking Code of Practice apply to the services referred to in this document. We will comply with the Banking Code of Practice and the ePayments Code where they apply to the Card Account. • You can view a copy of the Banking Code of Practice on our website or ask us for a hard copy at one of our branches or over the phone.
6 • You can also view a copy of the Banking Code of Practice on the Australian Banking Association’s website: www.ausbanking.org.au • The ePayments Code can be found on ASIC’s website: www.asic.gov.au 2.0 Your Card and PIN 2.1 Protecting your Card and PIN When your Card is issued we will also provide you with a personal identification number (‘PIN’) or instructions on how to generate a PIN. This PIN is used to securely identify yourself and approve transactions. You must sign your Card as soon as you receive it and keep it with you or in a safe place at all times. Do not select a PIN that represents your birthdate or could be easily guessed. Do not tell anyone your PIN (including family and friends) and do not write it on your Card (or anything you keep or carry with your Card). You should try to memorise your PIN. However, if you need to keep a record of it you must take reasonable steps to properly hide or disguise it (such as hiding it among other records or putting it in a place where a PIN would not be expected to be found) or protect it from unauthorised access (such as keeping it in a secured locked place). It is important that you take proper steps to protect your Card and PIN. If you do not, you may be liable if someone uses your Card without your permission (see Clause 8 for more detail). 2.2 Card validity and ownership All Cards are the property of St.George. We may (but do not have to) issue a new Card to you at any time. Your Card must not be used after its expiry date.
7 2.3 Additional Cards You can ask for a Card to be issued to another person aged 16 years or over. That person is referred to as the Additional Cardholder. Where these Terms and Conditions refer to obligations relating to ‘your Card’, those obligations will also apply to the Additional Cardholder’s Card (for example PIN security). You must require each Additional Cardholder to confirm that they have read the Terms and Conditions because you remain responsible for all aspects of the Card Account including: • any usage by the Additional Cardholder; and • any breach of your Credit Card Contract caused by the Additional Cardholder. By nominating an Additional Cardholder, you authorise the Additional Cardholder to act on your behalf to request a replacement card where the Additional Cardholder’s existing card is lost, damaged or stolen, except where the card has been cancelled by you. An Additional Cardholder will have access to the Card Account but will not be able to change the credit limit or close the account. 3.0 Using your Card 3.1 What you can use your Card for You can use your Card to make a Purchase or a Cash Advance or carry out a Balance Transfer from another Credit Card. Where your Card has been linked to a St.George deposit account, you can use the Card to make Purchases or withdraw cash from the linked account at eftpos terminals and ATMs by selecting the cheque or savings account options. Your Card must be used mainly for personal or household expenses. If we believe your Card is being used mainly for business related expenses, we may transfer you to another product or cancel your Card. Your Card must not be used for any illegal purpose or in a way that would breach international sanctions.
8 3.2 Where you can use your Card You can use your Card in many places in Australia and around the world. Look for the Visa and Mastercard signs that match those shown on your Card. If your Card is accepted by a Merchant, branch or ATM provider you can use it to: Pay for Purchases Withdraw Cash • through payment terminals, • e.g. at a shop • online • within a mobile app • by telephone • through mail order • at an ATM • at a bank branch 3.3 Recurring payments You may authorise a Merchant to charge recurring payments to your Card automatically without requesting your authorisation on each occasion. If a Merchant is using Tokenised Credentials, your Card details may be automatically updated (for example, if your Card is reissued or replaced). In those circumstances, reissuing or replacing a Card may not stop recurring payments with that Merchant. You should update your details with the Merchant whenever your Card details change. If you wish to cancel or change a recurring payment you should contact the Merchant directly before the next payment is due. Depending on your agreement with the Merchant, if you do not leave enough time, you may still be liable for that payment. If a Merchant does not act on your instruction to cancel a recurring payment you may contact us to dispute the transaction on your behalf. Please see Clause 8.1 for details on how to dispute a transaction. 3.4 Foreign transactions You may be charged Foreign Transaction Fees (as set out in the Financial Table or advised to you from time to time) on all Foreign Transactions. A Foreign Transaction is any transaction made in
9 a foreign currency or processed outside Australia. This includes transactions made while you are in Australia where the Merchant or financial institution processing the transaction is located outside Australia (even if you are not aware of this). Any transaction in a foreign currency will be converted into Australian Dollars by the card scheme (either Visa or Mastercard) that processes the transaction at an exchange rate they set. If this transaction is later reversed or refunded in full or in part, the exchange rate used for the reversal or refund may differ from that used for the original transaction. Some Merchants and ATM operators allow you to convert a foreign currency into Australian Dollars at the time of Purchase. If you select this option the exchange rate will be set by the Merchant or ATM operator and you may still be charged a Foreign Transaction Fee. 3.5 Confirming and authorising transactions There are a number of ways you may be able to confirm a transaction. These include: • signing your name; • holding your Card in front of a contactless payment device; • entering your PIN; • entering your Card details and any other information required. Before you do so, you must check that the transaction amount is correct and you are sure you wish to proceed with the transaction. After you have confirmed a transaction it may need to be authorised. The amount you can access on the Card Account will then reduce. Sometimes a transaction will not be completed after it is authorised, such as where it is reversed by a Merchant. If this happens, the amount you can access may still be reduced for up to four business days. We reserve the right not to authorise any transaction but we will typically only do this where: • the transaction would cause you to exceed any of the limits that apply to your Card (more detail on limits can be found in Clause 3.6); • we believe the transaction may involve fraud; • the Card Account is in arrears; or
10 • we believe the transaction may be illegal or prohibited by international sanctions. 3.6 Limits that apply Your Card Account has a credit limit and a transaction limit. Credit limit – This is the total amount you can access on your Card Account and is initially listed in your Financial Table. All authorised transactions (including holds placed on your Card Account) reduce the amount you can access even if they have yet to be processed to your Card Account. Some transactions may proceed even though they may take the Card Account balance over the credit limit. If this happens, any amount above your limit is payable immediately and you may incur an over-limit fee. If you ask us to, we will reduce your credit limit (subject to any minimum credit limit that applies to the Card Account). If you wish to reduce the credit limit to a level below your outstanding balance you must first repay the difference. Transaction limits – These are the daily limits, as initially listed on your Financial Table, that apply to the following transactions made with your Card: • ATM cash withdrawals; and • the combined value of transactions you charge to any linked deposit accounts by selecting the cheque or savings option and for any Bank@Post transactions. Some Merchants and ATM operators may apply their own additional restrictions. 3.7 Gambling blocks If you wish to limit access to gambling services through the Card Account, please call us or log into your Internet Banking and activate gambling block in the Card Services menu. Once we process your request we will decline all transactions for the Card Account where: • the card scheme (Visa or Mastercard) tells us that the Merchant offers gambling services; and
11 • we receive an authorisation request for the transaction. If you ask us to cancel this service, it may take two business days for your request to take effect. This service will not prevent all gambling transactions. For example, it will not prevent gambling transactions: • that are recurring payments you have authorised before making the request; • through B PAY ® transactions or cash withdrawals; • in any other cases where we do not receive an authorisation request (for example if our systems are offline or the Merchant automatically approves the transaction). 3.8 Processing of transactions We will determine the order in which we process transactions on any given day, based on our business systems and processes. This means for example that transactions may not be processed in the order they were made. The processing order can affect how transactions are treated, including for the purposes of applying interest charges. Please contact us if you have any queries. 4.0 Statements and other communications 4.1 Statements We will issue a statement for the Card Account to you every month unless the account has a balance of $10 or less and there has been no account activity in that month. You can choose to receive statements by mail or electronically. We use statements to provide you with information, including changes to your Card Account or these Terms and Conditions (see Clause 10.3 for more information). If you have any questions about an item on your statement please call us. 4.2 Keeping your contact details updated You must promptly tell us if your contact details change (including your mailing address, email address and telephone number). If you do not do this it may impact your rights under the Credit Card Contract and you
12 may miss out on other important information. For example, we may not be able or required to send you certain notices or statements. 4.3 Checking your statements regularly Sometimes we get things wrong. Where we do, we will work to make things right. You will not be liable for any fees, charges or interest that we incorrectly charge to your account contrary to our applicable terms and conditions. Please check the entries listed in your account statements regularly, and if you see an error please contact us promptly on 13 33 30. 5.0 Fees and interest 5.1 Fees and interest rates You must pay the Fees that we post to your Card Account. Information about current standard Fees and any Annual Percentage Rates is available on request. You can also access this information online at: stgeorge.com.au/personal/credit-cards 5.2 Interest free period An interest free period may apply to the Purchase Balance on your card. Please refer to the Financial Table attached to your letter of offer or visit us online at stgeorge.com.au to see whether an interest free period may apply. If your card comes with an interest free period on the Purchase Balance, you won’t incur interest on the Purchase Balance during the interest free period if you meet the conditions set out below. If your new Card Account is eligible for interest free days, you will automatically have an interest free period up to and including the first payment due date on your statement. The interest free period will continue to apply as long as you pay the Closing Balance shown on your statement by the due date each month. If you have a Balance Transfer or a Plan&Pay, the interest free period will continue to apply as long as you pay the Monthly Payment Balance shown on your statement by the due date each month. Your Monthly Payment Balance is calculated so that you do not need to pay off your
13 entire Balance Transfer or Plan&Pay Balance to enjoy your interest free period. If you set up a Plan&Pay after we have sent you a statement, the amount you need to pay that month to maintain your interest free period will be the Monthly Payment Balance shown on your statement minus the amount you transfer onto the new Plan&Pay. Your interest free period will end on your due date if the Closing Balance is not paid in full. While you have a Balance Transfer or Plan&Pay, your interest free period will end on your due date if the Monthly Payment Balance is not paid in full. This means you will incur interest on any new Purchases and your outstanding Purchase Balance (regardless of when particular Purchases were made). A new interest free period will start the next time you pay your Closing Balance or Monthly Payment Balance (as applicable) in full by the due date. You may see interest charges on your next statement even after paying the Monthly Payment Balance in full by the due date. This usually happens where you did not pay the previous Closing Balance or Monthly Payment Balance in full by the due date (the new interest charges are for the period between your last statement and when you paid the Closing Balance or Monthly Payment Balance). 5.3 Calculation and application of interest charges Unless you satisfy the interest free period conditions set out in clause 5.2, you must pay interest on all amounts outstanding on the Card Account. Interest charges are applied at the end of each statement period, but are calculated daily based on the amounts outstanding on the Card Account at the end of each day. Your Card Account balance is divided into ‘balance categories’ and this determines the Annual Percentage Rate that applies and when interest begins to be charged. • Table 1 shows what is included in each balance category and which Annual Percentage Rate applies to each balance category.
14 • Table 2 shows when interest begins to be charged on different parts of your balance. On each day the outstanding balances for each category are multiplied by the applicable Annual Percentage Rate(s) divided by 365. The total amount of interest due is calculated by adding together all of the daily values across each day of the statement period. Table 1 Balance category Items included in balance category Annual Percentage Rate that applies Purchase Balance Purchases and interest charged on your Purchase Balance All Fees except Cash Advance Fees, Balance Transfer Fees and Plan&Pay Fees Purchase Rate Cash Advance Balance Cash Advances, Cash Advance Fees and interest charged on your Cash Advance Balance Cash Advance Rate Balance Transfer Balance(s) Balance Transfers, Balance Transfer Fees and interest charged on your Balance Transfer Balance Balance Transfer Rate(s) Plan&Pay Balance(s) Plan&Pay instalment plans, Plan&Pay Fees and interest charged on your Plan&Pay Balance Plan&Pay Rate(s) Other Balance Any other amounts As separately disclosed to or agreed with you Table 2 Item Interest Charged from Purchases and Cash Advances The day you make the Cash Advance or Purchase (subject to any interest free period described in Clause 5.2).
15 Item Interest Charged from Interest charges, annual Fees and monthly Fees The day after the interest charge or fee is applied to the Card Account All other Fees The day the fee is applied to the Card Account Balance Transfers The day the balance transfer is transferred to the Card Account * Plan&Pay The day the Plan&Pay is activ ated ** Any other amounts As separately disclosed to or agreed with you
- At the expiry of the promotional period applicable to a Balance Transfer, the remaining balance will become part of the Purchase Balance or Cash Balance in line with the terms of the promotional offer. ** If any Plan&Pay Balance remains outstanding at the end of the Plan&Pay term it will be transferred back to your Purchase Balance, Cash Advance Balance or Balance Transfer Balance (depending on where the balance was prior to being on a Plan&Pay) and will have interest applied accordingly. 5.4 Adjustments If you make a Purchase that is later refunded you will be charged interest on that Purchase for the period between the date of the original transaction and the date of the refund unless an interest free period applies. We will adjust your Card Account in relation to the relevant Purchase amount if we discover an error, a payment to the Card Account is dishonoured, or transactions are reversed following a dispute or unauthorised use.
16 6.0 Paying your Card Account 6.1 How much you have to pay each month You must pay at least the Minimum Payment Due as shown on each statement by the due date. If you fail to do so, we may apply a Missed Payment Fee to the Card Account. (Please refer to your Financial Table for the Fees applicable to your account.) You can choose to pay more than the Minimum Payment Due. Account credits such as refunds, reversals, cashback and overpayments in prior months, do not count towards the Minimum Payment Due. If you cannot make a payment, you must contact us promptly as we may be able to help you. 6.2 How you can make your payment Payments must be made in Australian dollars using one of the ways listed in your statement. You can also opt to have your payment made automatically through our Card Autopay facility, further details of which can be found at: stgeorge.com.au/credit-card-repayments You should allow plenty of time ahead of your payment due date for your payment to reach us, for us to process it and for funds to clear into your account. After we receive your payment we will process and credit the verified amount to the Card Account as soon as we can. You can only access an amount that you have paid once the payment has cleared. Processing and clearing times will depend on how you pay and at what time of day. For more information about processing times, please call us. For Smart ATM processing and cut-off times visit stgeorge.com.au and search ‘ATM features’. 6.3 How we apply your payments Payments to the Card Account are applied to:
- balances owing on your most recent statement; and then
- transactions made since your last statement was issued.
17 Within each balance or group of balances above we pay off the balances in order of the Annual Percentage Rate they attract, from highest to lowest. If the same Annual Percentage Rate applies to more than one amount, we apply the payment to those amounts in the following order: • Interest charges incurred to date; • Fees incurred to date; and • Transactions (such as Cash Advances or Purchases). Within each of the three categories above, the payment is applied in the order in which the relevant amount was debited to the Card Account. If you have more than one promotional plan on your account where special terms apply (for example a Balance Transfer offer) and they both have the same Annual Percentage Rate, we will apply payments to the oldest plan first. If you have a Plan&Pay instalment plan see Clause 7.6. 7.0 St.George Plan&Pay 7.1 What is Plan&Pay? A Plan&Pay is an instalment plan that helps you split a large eligible Purchase and part or all of your Credit Card balance into manageable instalments. When you set up a Plan&Pay your Card Account balance will be split into: • a Plan&Pay Balance – this will include all of your active Plan&Pays • your Main Account Balance, which is made up of any remaining amounts. Setting up a Plan&Pay does not change the credit limit of your Card Account or your obligation to keep your total balance within your credit limit as detailed in Clause 3.6. 7.2 How do you set up a Plan&Pay? You can ask us to set up a Plan&Pay using Internet Banking (either on your desktop or in the St.George mobile app). Your request may take up to 2 business days, but we will notify you if we accept your request. The maximum number of Plan&Pays you can have at one time is eight (8).
18 7.3 Are there Fees and charges? We will advise you of the Annual Percentage Rate and any Fees that apply to your Plan&Pay when you ask for it to be set up. All applicable Fees and interest charges will be added to the total Plan&Pay Balance and be included in your instalment payments. When you ask us to set up your Plan&Pay, we will provide you with an ‘Estimated Total Repayment’ figure. The actual amount you will pay will vary depending on the date your Plan&Pay is activated and on the payments that you make. 7.4 How does Plan&Pay affect what you need to pay each month? When you set up a Plan&Pay you will choose the number of monthly instalment payments you will need to make. To keep the Plan&Pay open you need to pay these instalments by the due date each month. Having a Plan&Pay doesn’t change your obligation to always pay the Minimum Payment Due each month as explained in Clause 6.1 7.5 Does a Plan&Pay change Autopay instructions? Setting up a Plan&Pay will affect your Autopay. If you have set up Autopay to pay a fixed dollar amount or a fixed percentage of your balance you will need to update your preference before you can request a Plan&Pay. To set up a Plan&Pay you must change your Autopay instruction to either pay the: • Monthly Payment Balance – to retain interest free periods; or • Minimum Payment with Instalments – to meet your minimum payment requirements and pay your Plan&Pay instalment. If you already have Autopay set to one of these options the amounts collected will be automatically adjusted to include any Plan&Pay instalments due. Regardless of any changes due to you setting up a Plan&Pay, Autopay will always collect at least the Minimum Payment Due.
19 7.6 How does Plan&Pay affect how we apply your payments? When you have a Plan&Pay we will adjust the order in which payments are applied to your Card Account. Payments will be applied in the following order:
- To the Plan&Pay instalment(s) shown on your most r ecent statement *
- To your Main Account Balance in the order as described in Clause 6.3
- To any outstanding Plan&Pay Balance(s) *
- If you have more than one we pay them off in order of the Annual Percentage Rate they attract, from highest to lowest. If two or more Plan&Pays have the same Annual Percentage Rate, payments will be applied first to the oldest plan. By setting up a Plan&Pay, you are asking us to apply payments in this way. In some circumstances this means you might pay more interest than if you did not have a Plan&Pay. You can cancel your plan at any time via Internet Banking. 7.7 What happens if you do not pay your Plan&Pay instalment in full or pay late? If you do not pay your Plan&Pay instalment in full by the due date we may cancel your Plan&Pay and move the balance back to the Main Account Balance. We may refund a portion of any Fees you paid to set up your plan. The amount of the refund will depend on how many months are left on your Plan&Pay when it is cancelled. If we allow your Plan&Pay to continue we will not adjust your Plan&Pay instalments. When this happens you will need to make catch-up payments to ensure your Plan&Pay Balance is paid in full by the end of the plan term. If any Plan&Pay Balance remains outstanding at the end of the Plan&Pay term it will be transferred back to your Purchase Balance, Cash Advance Balance or Balance Transfer Balance (depending on where the balance was prior to being on a Plan&Pay) and will have interest applied accordingly.
20 7.8 When does a Plan&Pay end? Your Plan&Pay will end: • on the last day of the plan’s term; or • when you pay off the full Plan&Pay Balance; or • when the Plan&Pay is cancelled. You can cancel your plan at any time in Internet Banking. We may cancel a Plan&Pay if: • you fail to pay your Plan&Pay instalment by the due date; or • you make an arrangement with us to pay less than the Minimum Payment with Instalments; or • you do not comply with your obligations under these Terms and Conditions. We will notify you if we cancel a Plan&Pay. 8.0 What to do if you have a problem 8.1 Security problems and transaction disputes Security problems If your Card is lost or stolen or you believe your PIN or other passcodes have been compromised you must contact us immediately. If you fail to do so you may be liable for any losses that result from your failure to notify us or any delay in doing so. Unauthorised transactions If you believe your Card has been used to make transactions without your permission you must contact us immediately so that we can block the Card Account and investigate the issue. Other transaction disputes If you are not happy with goods and services you have purchased with your Card or you believe the Merchant has charged you incorrectly you should first try to resolve your dispute with that Merchant. If this does not resolve your dispute you may have additional rights under the Mastercard or Visa dispute process. Please call us or use the ‘Dispute
21 this transaction’ function within Internet Banking. We encourage you to notify us of the dispute as soon as possible and if we ask you for further information you must provide that information within 14 days (or such longer period as it may be reasonable to allow). Our ability to obtain a refund may be restricted under Mastercard or Visa rules depending on how quickly you notify us. For further information on what to do and the options available to you when problems occur please visit: stgeorge.com.au/contact-us/lost-stolen-cards
22 Liability for unauthorised transactions and system failures We apply the ePayments Code to determine liability for any losses that result from unauthorised electronic transactions or systems or equipment malfunctions. The table below provides examples of when you may be liable for losses from an unauthorised transaction and when you are not. For more information, see the ePayments Code at ASIC’s website: www.asic.gov.au When you may be liable * When you are not liable • When you contributed to the loss through fraud or failing to protect your PIN as set out in Clause 2.1 • When you leave your Card in an ATM • When you unreasonably delay in telling us about the misuse, loss or theft of your Card, or that the security of your PIN has been breached • When it is clear that you did not contribute to the loss ** • Losses due to our (or our people’s) fraud or negligence • Transactions incorrectly charged more than once to the Card Account • Unauthorised transactions after you tell us about a Card, PIN or password security issue • Unauthorised transactions that can be made using your Card number and expiry date, without your Card, PIN or other password • Losses arising from a system malfunction where a transaction is not completed in line with instructions you have submitted and that have been accepted by the system
- You will not be liable for the portion of losses that exceed your credit limit, or that were incurred in one day in excess of your transaction limit. ** Where losses arise from a transaction that requires a PIN and it is not clear if you contributed to the loss, your liability will be no more than $150. To avoid liability for transactions involving handwritten signatures, you must also adequately protect your Card.
23 8.2 Resolving problems and complaints If you have a problem or complaint, we aim to resolve it at your first point of contact with us. If we cannot do so, we will escalate it to our Customer Solutions Team. If you are not satisfied with our response or handling of your complaint, you may be able to lodge a complaint with the free, independent external dispute resolution scheme, the Australian Financial Complaints Authority (AFCA). AFCA’s details can be found at the front of this document. 9.0 Closing your Card Account or cancelling your Card 9.1 Your right to close your Card Account You may ask us to close your Card Account through Internet Banking or by contacting us. When we receive a closure request we will cancel your Cards immediately and close your Card Account (which ends your Credit Card Contract) as soon as your balance is repaid in full. To cancel an Additional Card (but not close the Card Account) please notify us in branch or by phone. 9.2 Our right to cancel a Card or block the Card Account We may cancel a Card or block the Card Account without giving notice: • if we suspect fraud or need to take action to prevent losses; • to manage regulatory risk; • where we reasonably believe the use of an account has caused harm (including financial abuse) to another person; or • for any other reason determined by us acting reasonably. We may also cancel a Card or block the Card Account if you are in default. Further details are provided below in Clause 9.3. If your account has a positive (credit) balance when it is closed by you or us, we may:
24 • transfer that amount to another account in your name that you hold with us; and/or • attempt to contact you to return the amount. If we have given you notice and you have not contacted us to seek return of the amount and it is less than $10, we may transfer those funds to a charitable organisation or association. 9.3 Our rights when you are in Default You are in default if: • you don’t make the required payments when due; • you become bankrupt or enter into any arrangement with creditors; or • you or the Additional Cardholder do any of the following and, in our reasonable opinion, this has a material impact on our credit, legal or reputational risks: − fail to comply with the law; − engage in conduct that is misleading; − use the Card Account for a non-approved purpose. When you are in default the Bank may require immediate payment of all amounts you owe under this Credit Card Contract, including amounts accrued or charged but not yet debited to your account. You may also have to pay reasonable enforcement expenses, including any amount reasonably incurred by the use of our staff and facilities. Before we require immediate repayment in full, you will normally be given 30 days’ written notice to allow you an opportunity to remedy the default. Sometimes we may immediately start enforcement proceedings without providing notice, for example where: • we believe, on reasonable grounds, that we were induced by fraud on your part to enter into this Credit Card Contract; • we have made reasonable efforts to locate you without success; or • a court authorises us to commence enforcement proceedings without notice to you.
25 9.4 What you must do when a Card is cancelled or the Card Account is closed When the Card Account has been closed or a Card has been cancelled for any reason, you must: • destroy the Card(s) in a secure manner. If you cannot destroy an Additional Card you must tell the Additional Cardholder not to use the Card and tell us so that we may cancel the Card because, although a stop may have been placed on the Card Account, the Additional Card may still be used in some circumstances that are out of our control; and • cancel any recurring payments which are linked to the Card Account. You will remain liable for recurring payments which have not been cancelled, and transactions debited to the Card Account which were made before closing your account. While the Card Account remains open, even if a Card is cancelled or a Card Account is blocked, you must continue to meet your payment obligations and all other obligations under these Terms and Conditions. Fees and charges including interest will continue to apply until the balance is paid off and the Card Account is closed. 10.0 Our additional obligations and rights 10.1 Right of set-off Where you also have another account with St.George (for example a deposit account) we may use funds from one to pay amounts owed on the other. Unless specifically allowed under law, you may not set off or deduct any amounts we owe you against amounts you owe on your Card Account. 10.2 Right of assignment We may assign our rights under your Credit Card Contract to someone else. You may not assign your rights under your Credit Card Contract to another person.
26 10.3 Right of variation We may make the following changes to the Credit Card Contract: • changes to interest (including changing the Annual Percentage Rate(s) or how we calculate and apply interest); • changes to your payments (for example, how much, how they are calculated or when or how often you need to pay); • changes to Fees (including introducing new Fees, changing the amount of them or the time of payment); • changes to credit or transaction limits (including reducing your credit limit); • other changes that: − reflect changes in law, official directives, or the guidance from a regulator; − reflect changes to our business or systems; − reflect current industry or market practice or conditions; − are administrative or correct a mistake; − we reasonably think you will benefit from; − are reasonably necessary to protect our legitimate interests. We will generally apply these changes to a class of customers or a product, but where they reflect changes to a credit limit, our risk associated with you, a mistake on your account or will be beneficial to you, we may apply them just to you. How and when we notify you of changes Type of change How When Changes to Annual Percentage Rates In writing (which may be on your statement) or a notice we publish * As soon as reasonably possible, but no later than the day the change happens Changes to Fees In writing (which may be on your statement) or a notice we publish * As soon as reasonably possible. However, if we believe the change is unfavourable to you, we will give you notice at least 30 days in adv ance **
27 Type of change How When Changes that reduce your obligations, extend the time for payment In writing (which may be on your statement) As soon as reasonably possible but no later than the next statement after the change takes effect Any other changes (including reducing your credit limit or changes that we believe are unfavourable to you) In writing (which may be on your statement) As soon as reasonably possible, at least 30 days in adv ance **
- We may use a range of means of publishing a notice from time to time, including in a newspaper, on our website or our Online Banking app, or a combination of one or more of these. We will also inform you of the change before or when we send you the next statement after the change takes effect. ** Where it is reasonable for us to manage a material and immediate risk (for example, you are in default, or your Card Account has been inactive for 6 months), or immediately restore or maintain the security of one of our systems, or a Card Account, we may make unfavourable changes with less notice or no notice. Where we are allowed to do so, we can notify you of changes electronically (e.g. by email or messages in Internet Banking). 10.4 Reporting Obligations Tax Reporting Obligations We are required under domestic and international laws to collect and report financial and account information relating to individuals and organisations who are, or may be, foreign tax residents. We may ask you whether you or any shareholder, beneficiary, settlor or controlling
28 person are a foreign tax resident from time to time, such as when you open an account with us, or if your circumstances change. If you do not provide this information to us, including information about the foreign tax identification number for all countries you or any shareholder, beneficiary, settlor or controlling person are a foreign tax resident of, we may be required to limit the services we provide to you. This could include not opening your product, or limiting functions or services of your product, or closing it. Unless you tell us otherwise, by completing any application for products covered by these terms and conditions, you certify that you, any shareholder, named beneficiary, settlor or controlling person is not a foreign tax resident. You must tell us if you, or any shareholder, named beneficiary, settlor or controlling person is, or becomes, a foreign tax resident (unless an exemption applies, such as for shareholders of listed companies). Where there are no named beneficiaries (e.g. for beneficiaries identified only as a class) you must tell us if a beneficiary is a foreign tax resident immediately when any decision is made to identify such beneficiary and, in any case, before such distribution is to be made to them. You may contact us to provide foreign tax residence information by calling 1300 725 863. We cannot give tax advice, so please contact your independent tax advisor if you need help finding out whether any person is a foreign tax resident. 11.0 Meaning of important terms Term Meaning Annual Percentage Rate An annual interest rate that applies to a balance category (e.g. Purchases, Cash Advances or Balance Transfers) of your Card Account as specified in the Financial Table, as advised to you from time to time or as specified in a promotional offer. Balance Transfer A balance transferred to your Card Account from another Card Account to which specific terms may apply.
29 Term Meaning Bank, St.George, our, we, or us St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Card, or Credit Card Any Credit Card issued by us to you or an Additional Cardholder at your request, including any device or mobile wallet, which you can use to access credit on the Card Account. Card Account The account used to record transactions under the Credit Card Contract. Cash Advance A transaction where you: • withdraw cash • pay for items we consider to be equivalent to cash (for example; foreign currency including cryptocurrency, traveller's cheques, money orders or stored value cards) • transfer funds to another account or stored value card (for example a bank account, trading account or prepaid card) except where this is done as a Balance Transfer • pay bills over the counter or through a third party (other than BPAY ® ) • pay a Merchant that provides gambling services and products, including Merchants that sell lottery tickets, or anything else we treat as being a Cash Advance. We classify transactions using information provided to us by the card scheme (Visa or Mastercard), which tells us about the main type of business conducted by the Merchant. All transactions with Merchants, especially those whose main business is listed above, may be treated as Cash Advances.
30 Term Meaning Digital Token or Tokenised Credentials The unique number created in some circumstances by the card scheme (Visa) which represents your card number and may be used by a Merchant to process Purchases or recurring payments. Fees Fees and charges that apply to your Card Account as specified in the Financial Table, as advised to you from time to time, or as specified in a promotional offer. Financial Table The document attached to your letter of offer that forms part of your Credit Card Contract and contains important details such as the interest rates and Fees that apply to your Card Account. Internet Banking All methods that we provide to allow you to digitally access and manage your Card Account. This includes mobile/tablet apps, and browser-based access. Internet Banking is governed by separate Terms and Conditions located on our website. Main Account Balance The balance of your Card Account less any Plan&Pay Balance. Merchant A provider of goods or services who accepts payment by Card. Minimum Payment Due The minimum payment you must make each month under your Credit Card Contract. Details of how this is calculated are set out in the Financial Table or advised to you from time to time. Minimum Payment Due on Main Account Balance The minimum payment that relates to your Main Account Balance. Calculated the same way we work out the Minimum Payment Due but using the Main Account Balance instead of the whole closing balance of your Card Account to work out that amount.
31 Term Meaning Minimum Payment with Instalments The amount you must pay each month if you want to keep your Plan&Pays active. Calculated as the Minimum Payment Due on Main Account Balance plus any Plan&Pay instalments shown on a statement. Monthly Payment Balance The amount you must pay to retain an interest free period. Calculated as the Main Account Balance minus the Balance Transfer Balance plus any Plan&Pay instalments shown on a statement. Plan&Pay An instalment plan available on your Card Account to which specific terms may apply. Purchase All payments you make using your Card that are not Cash Advances or Balance Transfers. recurring payment recurring payment means a payment you have authorised a third party (including a person, company or merchant) to charge your Card at set times. you The person who is the owner of the Card Account and who is responsible for all transactions on the account. If there are two of you, you means each of you separately and both of you jointly. You includes your successors.
32 Credit Guide This Credit Guide gives you important information about the products we provide which are regulated by the National Credit Code (‘consumer lending products’). In this document, the words ‘we’, ‘us’, ‘our’ and ‘St.George’ refer to St.George Bank – a Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. St.George has additional products and services that are not covered by this document. In your interaction with St.George Bank, you may receive Financial Services Guides and additional Credit Guides. St.George’s consumer lending products include: • Credit Cards; • Home loans; • Residential property investment loans; and • Personal loans . 1.0 Our general obligations In relation to our consumer lending products, we will not, as a credit provider: • enter into a credit contract with you; or • increase the credit limit of a credit contract with you, if we assess that the credit contract is unsuitable for you. We refer to this assessment as the Suitability Assessment. To make this assessment, we will make reasonable inquiries about your: • requirements and objectives in relation to the credit contract or credit limit; and • financial situation and take reasonable steps to verify. 2.0 When will the credit contract be unsuitable? A credit contract will be unsuitable if: • the credit contract does not meet your requirements or objectives; or
33 • it is likely that you will be unable to comply with your financial obligations under the credit contract; or • it is likely that you could only comply with your financial obligations under the credit contract with substantial hardship. 3.0 How can you access a copy of the Suitability Assessment? If your application for credit or increase in credit has been approved, you can call 13 33 22 and request a written copy of the Suitability Assessment which we will provide within the following timeframes: Your request is made: We will give you your assessment: Before the Credit Da y * As soon as possible after we receive your request Up to 2 years after the Credit Da y * Within 7 business days after we receive your request Between 2 and 7 years after the Credit Da y * Within 21 business days after we receive your request
- The Credit Day is the date the credit contract is entered into or the credit limit is increased. We are not required to provide you with a copy of the assessment if the credit application or increase has been declined or if the credit contract your request relates to was entered into before 1 January 2011. 4.0 Getting your complaint heard Please talk to us first. We aim to resolve your complaint at your first point of contact with us, so we encourage you to raise your complaint through any of the following channels: Phone: 13 33 30 Online: stgeorge.com.au/contact-us/customer-complaints Mail: Reply Paid 5265 Sydney NSW 2001
34 5.0 Our Customer Solutions Team In the unlikely event that we can’t resolve your complaint at your first point of contact with the bank, we will escalate your complaint to our Customer Solutions Team for further investigation. 6.0 What to do if you are still not happy If you are not satisfied with our response, you may lodge a complaint: Australian Financial Complaints Authority (AFCA) Online: www.afca.org.au Email: info@afca.org.au Phone: 1800 931 678 Mail: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001 Australian Securities and Investments Commission (ASIC) ASIC has a free call Infoline on 1300 300 630. You can call this number to make a complaint and to obtain information about your rights. Office of the Australian Information Commissioner (OAIC) You may also make a complaint to the OAIC where your complaint is about the way we handle your personal information. OAIC requires you to first lodge a complaint with us. The law also allows 30 days for us to deal with your complaint before you can make a complaint to the OAIC. The contact details for OAIC are set out below: Online: www.oaic.gov.au Online enquiries: Enquiry Form Phone: 1300 363 992 Post: Office of the Australian Information Commissioner GPO Box 5218 Sydney NSW 2001
35 Information statement Things you should know about your proposed credit contract St.George is your credit provider. This statement tells you about some of the rights and obligations, you and we have. It does not state the terms and conditions of your contract. If you have any concerns about your contract, contact us and, if you still have concerns, the AFCA scheme, or get legal advice. The contract
- How can I get details of my proposed credit contract? We must give you a precontractual statement containing certain information about your contract. The precontractual statement, and this document, must be given to you before: • your contract is entered into; or • you make an offer to enter into the contract; whichever happens first.
- How can I get a copy of the final contract? If the contract document is to be signed by you and returned to us, you must be given a copy to keep. Also, we must give you a copy of the final contract within 14 days after it is made. This rule does not, however, apply if we have previously given you a copy of the contract document to keep. If you want another copy of your contract, write to us and ask for one. We may charge you a fee. We have to give you a copy: • within 14 days of your written request if the original contract came into existence 1 year or less before your request; or • otherwise within 30 days of your written request.
36 3. Can I terminate the contract? Yes. You can terminate the contract by writing to us so long as: • you have not obtained any credit under the contract; or • a Card or other means of obtaining credit given to you by us has not been used to acquire goods or services for which credit is to be provided under the contract. However, you will still have to pay any Fees or charges incurred before you terminated the contract. 4. Can I pay my credit contract out early? Yes. Pay us the amount required to pay out your credit contract on the day you wish to end your contract. 5. How can I find out the pay-out figure? You can write to us at any time and ask for a statement of the pay-out figure as at any date you specify. You can also ask for details of how the amount is made up. We must give you the statement within 7 days after you give your request to us. You may be charged a fee for the statement. 6. Will I pay less interest if I pay out my contract early? Yes. The interest you can be charged depends on the actual time money is owing. However, you may have to pay an early termination charge (if your contract permits us to charge one) and other fees. 7. Can my contract be changed by St.George? Yes, but only if your contract says so.
37 8. Will I be told in advance if St.George is going to make a change in the contract? That depends on the type of change. For example: • you get at least same day notice for a change to an Annual Percentage Rate. That notice may be a written notice to you or a notice published by your credit provider. • you get 30 days advance written notice for: − a change in the way in which interest is calculated; or − a change in credit Fees and charges; or − any other changes by St.George except where the change reduces what you have to pay or the change happens automatically under the contract. 9. Is there anything I can do if I think that my contract is unjust? Yes. You should first talk to us. Discuss the matter and see if you can come to some arrangement. If that is not successful, you may contact the AFCA scheme. The AFCA scheme is a free service established to provide you with an independent mechanism to resolve specific complaints. The AFCA scheme can be contacted at: Australian Financial Complaints Authority Online: www.afca.org.au Email: info@afca.org.au Phone: 1800 931 678 (free call) Mail: Australian Financial Complaints Authority GPO Box 3, Melbourne VIC 3001 Alternatively, you can go to court. You may wish to get legal advice, for example from your community legal centre or Legal Aid. You can also contact ASIC, the regulator, for information on 1300 300 630 or through ASIC’s website at www.asic.gov.au
38 General 10. What do I do if I cannot make a repayment? Get in touch with us immediately. Discuss the matter and see if you can come to some arrangement. You can ask us to change your contract in a number of ways: • to extend the term of your contract and reduce payments; or • to extend the term of your contract and delay payments for a set time; or • to delay payments for a set time. 11. What if we cannot agree on a suitable arrangement? If we refuse your request to change the repayments, you can ask us to review this decision if you think it is wrong. If we still refuse your request you can complain to the AFCA scheme. Further details about this scheme are set out below in question 13. 12. Can St.George take action against me? Yes, if you are in default under your contract. But the law says that you cannot be unduly harassed or threatened for repayments. If you think you are being unduly harassed or threatened, contact the AFCA scheme or ASIC, or get legal advice. 13. Do I have any other rights and obligations? Yes. The law will give you other rights and obligations. You should also READ YOUR CONTRACT carefully.
If you have any complaints about your credit contract, or want more information, contact us. You must attempt to resolve your complaint with us before contacting the AFCA scheme. If you have a complaint which remains unresolved after speaking to us you can contact the AFCA scheme or get legal advice. The AFCA scheme is a free service established to provide you with an independent mechanism to resolve specific complaints. The AFCA scheme can be contacted at: Australian Financial Complaints Authority Online: www.afca.org.au Email: info@afca.org.au Phone: 1800 931 678 (free call) Mail: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001 Please keep this information statement. You may want some information from it at a later date.
St.George acknowledges the Traditional Owners as the custodians of this land, recognising their connection to land, waters and community. We pay our respects to Australia’s First Peoples, and to their Elders, past and present. ® Registered to B PAY Pty Ltd ABN 69 079 137 518. © St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. ST22422 0624
Source: https://www.stgeorge.com.au/personal/credit-cards/tools/credit-card-key-facts-sheet
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Key facts about these credit cards
| Correct as at: 30 September 2026 | St.George |
|---|
This information sheet is an Australian Government requirement under the National Consumer Credit Protection Act 2009.
Description of credit cards
| Product name | Vertigo Card | Amplify Platinum Card | Amplify Signature Card |
|---|---|---|---|
| Minimum credit limit | $500 | $6,000 | $15,000 |
| Minimum repayments | 2% of the closing balance outstanding, or $10; whichever is greater. If the closing balance is less than $10, it must be paid in full. | 2.5% of the closing balance or $25; whichever is greater. If the closing balance is less than $25, it must be paid in full. | |
| Interest on purchases1 | 13.99% p.a. | 23.98% p.a. | 23.98% p.a. |
| Interest free period2 | Up to 55 days on purchases only | Up to 45 days on purchases only | |
| Interest on cash advances1 | 21.99% p.a. | 23.99% p.a. | 23.99% p.a. |
| Balance transfer interest rate1 | For each product, please refer to the Balance Transfer interest rate, term and balance transfer fee (if applicable) set out in the offer details viewed by you. | ||
| Annual or monthly fee1,3 | $7 a month (equating to $84 per year) | $175 p.a. | $295 p.a. |
| Missed payment fee4 | $20 |
There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this credit card can be obtained from www.stgeorge.com.au/creditcardfees (PDF 1MB)
For more information on choosing and using credit cards visit the ASIC consumer website at www.moneysmart.gov.au
The terms on which this credit card is offered can change over time. You can check if any changes have been made by visiting www.stgeorge.com.au/creditcardfactsheet
Important information
Credit Card Terms and Conditions (PDF 1008KB)
Amplify Terms and Conditions (PDF 1MB)
Credit Card Accounts Fees and Charges (PDF 1MB)
Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.
1. Promotional offers may apply.
2. Interest free period: is available when you pay the Closing Balance (or the Monthly Payment Balance if you have a Balance Transfer or Plan&Pay) in full by the payment due date.
3. Referred to as the Card Fee in your Credit Contract.
4. Referred to as the Missed Payment Fee in your Credit Contract.
Conditions, fees and credit criteria apply.
For St.George issued products, conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions, before deciding. Target Market Determinations for the products are available. Unless otherwise specified, the products and services described on this website are available only in Australia from © St.George Bank - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.
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