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¹These insurance covers are issued by Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507. These benefits are provided to cardholders as complimentary benefits and are subject to the Terms and Conditions and exclusions contained in the Policy of Insurance. No Westpac Group company has any liability in connection with the insurance policies. Please refer to the Gold and Platinum Credit Card Insurance Conditions of Use for a full explanation of cover and exclusions.

²55 days interest free on purchases only applies on accounts paid in full by the due date. The interest free period does not apply to cash advances or any purchases while an amount that has been debited as a result of a balance transfer remains unpaid.

³The balance transfer rate is available to you when you apply for a new St.George credit card between 1 May 2012 and 3 July 2012 and request at application to transfer a balance from Australian issued credit or store cards other than St.George, BankSA and Bank of Melbourne credit cards. Subsequent balance transfers that are requested after the balance transfer period above will be charged at the standard variable purchase rate. Payments made to your credit card account will be applied as set out in the Credit Card Conditions of Use. After the stated special promotion period any outstanding balance transfer amount will attract your card's standard variable purchase rate. You can apply to transfer $200 or more, up to 95% of your new St.George credit card available limit.