St.George Visa Debit Card

The St.George Visa Debit card is the perfect way to access your money all around the world and the smart way to pay for things that require a credit card

A debit card is not a new financial product, but if it is new to you then you need to find out more because a debit card linked to your transaction account could help you be more responsible with your finances, while saving time and money too. All you have to do is choose the debit card and linked transaction account which best suits your spending needs and lifestyle, and that may just be the St.George Visa Debit card:

Savings Account	Account Details	Intro Rate p.a.	Variable Rate p.a.	Intro Period p.a.	Fees	Min Balance and Min Deposit
St.George Visa Debit Card Account	Available with the following accounts: Complete Freedom Account, St.George SENSE, Express Freedom Account, Complete Freedom Student Account and Retirement Access Plus Account.	0.00%	0.00%p.a	0.00%	From $3 per month	-

• No fees to link a St.George Visa Debit card to an eligible St.George transaction account
• No fees for debit card purchases in person or over the phone or internet
• The ease and security of a credit card for online or phone purchases
• The financial responsibility of spending your own money and not paying interest on your purchases

Could You Benefit From a Visa Debit Card From St.George?

A Visa Debit card looks and acts very much like a credit card, but the two should not be mistaken for one another. You should consider linking a Visa Debit card to your transaction account if:

• You don’t want to be tempted into credit card debt. Having a credit card can easily turn into using a credit card and if you have had a bad experience with credit card debt or you just know that you don’t have the discipline or the inclination to worry about interest free days and monthly repayments then a debit card might be right for you. A St.George Visa Debit card links to your St.George transaction account which holds your wages or your everyday funds. Therefore, you are making a ‚Äòcredit’ transaction but you are spending your own money and never have to worry about paying interest on your purchases or missing a monthly repayment
• You want to make secure online or phone purchases. A credit card is a much safer option for phone and internet purchases than an EFTPOS card and is more widely accepted. However, you don’t have to run with the temptation of a credit card to make these safe purchases when you use a Visa Debit card. instead you can enter your Visa Debit details into an online store or provide them to a retailer over the phone and have the security of a credit transaction, but you are spending only your own money
• You want to avoid transaction fees. When you use your linked EFTPOS or ATM card to access the funds in your transaction account you will have a certain number of free transactions each month, before you are charged transaction fees. However, with a Visa Debit card there are no transaction fees when you make purchases as the money is automatically debited, rather than electronically transferred
• You want Australia-wide and overseas acceptance. Visa cards are accepted at over 29 million places around the world so you don’t have to worry about carrying cash when you travel within Australia or travellers’ cheques when you go overseas

Features of a St.George Visa Debit Card

A Visa Debit card from St.George has all of the great features of a debit card above, as well as the benefit of being linked to your favourite eligible St.George transaction account. With a Visa Debit card from St.George:

• You can link to your choice of transaction accounts. You can spend your own money using your St.George Visa Debit card when it is linked to the St.George Complete Freedom Account, SENSE, Express Freedom Account, Complete Freedom Student Account or the Retirement Access Plus Account
• You can use your own money online or over the phone. You have the freedom and security of paying with plastic, coupled with the knowledge that you are spending your own money, your St.George Visa Debit card is linked directly to your transaction account and your own funds so while you can make purchases online or pay bills over the phone, you’re not accruing any bad debt interest
• St.George banking is secure online. St.George have a comprehensive online guarantee to make sure you feel comfortable using your Visa Debit card to make purchases on the internet. St.George knows that with your Visa Debit card linked to your own savings you have much more to lose and offer you a secure online guarantee
• St.George debit card offers Verified by Visa. Verified by Visa is an online security system which allows you to create a unique PIN or password for your Visa Debit card. then whenever you use your Visa Debit card at online retailers registered with Verified by Visa you can be sure your details are secure and cannot be used fraudulently because no one else has your unique PIN
• Visa card holder discounts and preferred treatment. Visa has a Preferred Services program which offers Visa Debit card holders exclusive and first-chance access to accommodation discounts and priority seating for entertainment performances.

To apply for a linked Visa Debit card for your eligible St.George transaction account apply online now. Because you are an existing customer your identity is verified and St.George has all of your personal details already and the application will take just minutes. To find out more about the benefits of a St.George Visa Debit card, or to choose a linked transaction account which would best suit you, follow our secure link to the St.George website and take control of your cards today.