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Last updated on 16 May 2013
One of the most appealing low rate credit cards on the market, the St.George Vertigo is currently offering 2.99% p.a. on balance transfers for the first 6 months and ~$0 annual fee in the first year. Read More ›
With a low standard annual fee, low purchase rate and its introductory offer on balance transfers, it’s easy to see why this card is a popular choice.
Other benefits include one free additional cardholder, 24/7 Falcon Fraud monitoring, secure online shopping, and up to 55 days interest free on purchases.
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St.George's Vertigo offering does allow customers a very competitive low interest rate, even after the initial balance transfer rate reverts back to the full purchase rate it stays below 15%. This one has a very low income requirement, and is really designed to let customers switch balances easily and pay off existing debt. To really make the most of this great offer, try to only make purchases at the start of the 55 day interest free period, that way you'll give yourself the maximum time to repay any slightly bigger purchases and won't get penalised for using the card.
Read what others think and add your review for the St.George Vertigo credit card below.
The BT is great, already paid off 1/3 of my balance. Purchase rate is pretty low too, have learnt my lesson in picking out a decent card
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Pay 0% p.a. on purchases, balance transfers and cash advances and for the first 6 months with ~half annual fee 1st year. Standard purchase rate of 11.99% p.a. (12.99% p.a. from 1 October).
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0% Balance Transfer for 6 Months and Interest Free purchases for up to 5 years at over leading 1,000 retailers in Australia mean this is one of the best no annual fee credit cards available.
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0% p.a. on purchases for the first 6 months. Awesome value on the introductory offer from Westpac on one of the top low interest rate credit cards in AU
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21.49%
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2.99%
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Rodolfo Caringal
March 8th, 2013 at 11:16pm
Could I apply a Balance Transfer and Credit Card together with my wife as joint applicants?
Roland
March 11th, 2013 at 9:33am
Hi Rodolfo, balance transfers can generally only be done from and to the same primary account holder, so the new card would have to be in the name of the same primary card account holder as the existing card you want to transfer the balance from. If you are both primary account holders of both the old and new card account this may be possible- or you want to speak to the bank about alternative options. Hope that helps.
Pattamon baker
March 3rd, 2013 at 10:47pm
When we want to paid without Internet banking where we can pay can we pay at westpac bank or post office or any bank ?
Roland
March 4th, 2013 at 9:34am
Hi Pattamon, as St George operates a separate bank to Westpac they cannot process eachothers’ transactions. You can use a St George branch or post pay option with this card if you do not have access to internet banking. This was confirmed over the phone with a St George customer service representative. Hope that helps.
Jake McGrowdie
February 28th, 2013 at 10:42am
What is covered by the optional credit card protect insurance I get when I apply for my card?
Roland
March 4th, 2013 at 9:46am
Hi Jake – you can check out all of the coverage offered in this document. Credit card protection helps you meet your repayment obligations if you become sick, are injured or lose your job. The Product Disclosure Statement (PDS) is also available through the document in the above link.
Stevo
February 17th, 2013 at 9:50pm
A couple of questions:
– is there a maximum amount that can be transferred?
– In 8 months’ time is there anything stopping me from transferring the balance to another low balance transfer card and closing this card account?
Roland
February 18th, 2013 at 9:52am
Hi Stevo – we have checked on this with St George bank for you, and there is no stated maximum credit limit. It depends on what the bank believes you can pay back according to its assessment criteria. This includes things like your income, current debts, and what you can manage in terms of repayments taking into account living expenses etc. You will also only be allowed to transfer up to 98% of your allowed credit limit (usually the banks allow somewhere between 80-95%, but St George Vertigo allows you to transfer 98%). This is something to keep in mind when putting down a requested credit limit, as well as the amount you actually want to transfer.
As with your individual credit limit, we are not able to say whether you would or would not be approved for another balance transfer at the end of the 8 month period. You would have to make your own decision at that time as to whether to make another application. Best of luck and we hope that’s helped.
Roland
February 19th, 2013 at 3:40pm
Hi Stevo – seems our attempt to contact the bank for confirmation of this led to some misinformation. The maximum amount of your credit limit you can transfer is 95%, as stated on the St George card terms and conditions. When we were informed differently on the phone (incidentally) we double checked by e-mailing St George and this is their apologetic response:
Please accept our apologies that you were advised of the wrong balance transfer limit. The balance transfer limit is up to 95% of the available credit card limit.
Jace
February 13th, 2013 at 11:02am
I applied for this Card over 3 weeks ago, but stuffed around by the Bank as they lost my 100 points of ID 2 weeks ago and only just sorting things out now… I wouldn’t recommend this card to anyone wanting a credit transfer which I was after, by the time I get the credit transfer I would have lost over $100 in interest.. Not worth it thank you!!!
Claire
February 4th, 2013 at 12:13pm
Do you know if they use an Australian or overseas call centre for customer service?
Roland
February 5th, 2013 at 12:35pm
Hi Claire, according to the St George website following the merger with Westpac, this is what it says: ‘Consumer activities are conducted through a network of 396 St.George and BankSA branches, third party distributors, call centres, 2950 ATMs, EFTPOS terminals and internet banking services.’. We have been unable to confirm whether all call centres are Australian based.
May
January 31st, 2013 at 10:49pm
Once you have applied and got the credit can you in the future transfer balances from another credit card or is this just an initial offer when you 1st apply?
Roland
February 1st, 2013 at 11:38am
Hi May, you may be able to transfer balances in the future, but you will need to ask St.George directly about this after you have become a customer. It is unlikely to attract this promotional rate.