- Special offer: 0% p.a. for 28 months on balance transfers when requested during application with 1% BT fee, for new card applicants approved by 31 July 2024.
- Low fees: You’ll pay a low annual fee of $55 and an ongoing interest rate of just 13.99% p.a.
- Extras: Add a free additional cardholder, and add your card to your Apple Pay, Google Pay or Samsung Pay digital wallet.
- Security features: 24/7 fraud monitoring, and SMS and email alerts on account activity.
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St.George Credit Cards
St.George Vertigo Credit Card
Updated 28 February 2024
A cost-saving card, the St.George Vertigo comes with low rates, low annual fee and a massive 28 months interest-free on balance transfers with 1% balance transfer fee.
This card could be a winner if you’re looking for a way to knock down debt, get a first credit card or pay low interest on your purchases.
Purchase Rate (p.a)
13.99%
Balance Transfer (p.a)
0% for 28 months 1% balance transfer fee applies.
Reverts to 21.49% p.a.
Annual Fee (p.a)
$55
Pros and cons
- You can only balance transfer up to 80% of your approved available card limit.
- You can’t transfer personal loans - only credit, charge and store cards.
Creditcard.com.au review
Editor Review
St.George Vertigo Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
Who suits the St.George Vertigo Balance Transfer card?
 First Timer: you’re looking for a simple card with a few perks to get you started. You’d like a low annual fee and a low interest rate. |  Carefree Splurger: budgets are a bummer, and you might need help getting on top of debt. Low interest rates and low fees are great. |  Rainy Day Prepper: you want something low-cost to keep in your pocket. Even better if it has a few interest-free perks for when you need it. |
Overall Review
The St.George Vertigo credit card doesn’t have many extras, but it does a stellar job at keeping costs down, which could be just what you’re looking for. It has a low variable purchase rate and low annual fee.
By far, its biggest drawcard is the balance transfer offer, which could very well be the reason you choose this card over another. Its interest-free period of 28 months is almost unbeatable in the balance transfer market.
| ⚡ Note: St.George also has a Vertigo credit card with a cashback offer instead of a balance transfer. You can read more about the cashback St.Geroge Vertigo card here. |
Editor’s Full Review: What I love about the St.George Vertigo card
Like Tim the Toolman Taylor, this card is a simple creature with a powerful tool: its balance transfer offer.
Of course, if you’re someone who typically doesn’t pay off your card in full each month, you might also like the interest rate on purchases, which is just 13.99% p.a. (for context, the average interest rate on credit cards is 20% p.a., according to the RBA).
Let’s look at the balance transfer deal first.
Applying: You must be approved for the St.George Vertigo Balance Transfer card before 31 July 2024 to access the offer. You have to be a new Vertigo card customer, although you can have had other St.George credit cards in the past.
Transferring a balance: During the application, you’ll be asked to nominate up to 3 credit, charge or store cards to transfer a balance from. These can’t be St.George, Bank of Melbourne or BankSA accounts. Once your application is approved, the transfer will activate.
Transfer Limits: You can transfer a minimum of $200 and up to 80% of your available credit card limit. So, if your credit limit was $1000 you can balance transfer $800 to your St.George Vertigo card.
Fees: There is a 1% balance transfer fee, and just be aware that after the 28 months the cash advance rate of 21.49% will apply to any remaining balance.
And, while some credit card providers won’t give you any interest-free days on new purchases while you have a balance transfer, St.George does. You’ll still get 55 days interest-free as long as you pay the minimum monthly payment each month.
| 💡 Just remember this card is a fantastic debt-repayment tool, and should be used that way if that’s your priority. If you can avoid using this card for new stuff, you can focus on paying off the balance transfer (rather than paying interest on new purchases). |
On top of the balance transfer, the St.George Vertigo comes with a low annual fee and low interest rate. If you typically don’t pay off your card each month, a low interest rate can help you save money while you repay your card.
Lastly, you can add one free extra cardholder over the age of 16, and use functions like Plan&Pay to pay off large purchases or your card balance in interest-free instalments.
Other perks and features My Offers Hub: Access a growing collection of offers and discounts on a variety of brands with St.George’s My Offers Hub. Log in to your mobile banking or the banking app and choose ‘My offers and benefits’, view the deals and select the one you want to redeem.
Visa Offers + Perks: Visa offers personalised deals and exclusive offers to all Visa cardholders. Just sign up on the Visa website and redeem discounts on travel, merchandise and entertainment.
Security features: The St.George Vertigo comes with 24/7 fraud monitoring, Secure Online Shopping Service (which provides extra security by using One Time Password to authenticate your transaction) and a Fraud Money Back Guarantee.
You’ll also be able to use Card Block, which temporarily stops new transactions for 15 days, or until reactivated. You can switch on Card Block instantly via internet banking or the app, which is helpful if you’ve lost your card or suspect it’s been stolen or used by fraudsters.
What’s not so great
You can’t really hold anything against this card. It’s not intended to earn rewards or provide luxury travel perks; those are for high-end cards with big annual fees.
My Offers Hub: Access a growing collection of offers and discounts on a variety of brands with St.George’s My Offers Hub. Log in to your mobile banking or the banking app and choose ‘My offers and benefits’, view the deals and select the one you want to redeem.
Visa Offers + Perks: Visa offers personalised deals and exclusive offers to all Visa cardholders. Just sign up on the Visa website and redeem discounts on travel, merchandise and entertainment.
Security features: The St.George Vertigo comes with 24/7 fraud monitoring, Secure Online Shopping Service (which provides extra security by using One Time Password to authenticate your transaction) and a Fraud Money Back Guarantee.
You’ll also be able to use Card Block, which temporarily stops new transactions for 15 days, or until reactivated. You can switch on Card Block instantly via internet banking or the app, which is helpful if you’ve lost your card or suspect it’s been stolen or used by fraudsters.
This card is a good fit for those wanting to pay down debt, and the only real drawback is that you can’t balance transfer from a personal loan the way some other cards can. It can also only transfer up to 80%, while some other cards can transfer up to 95%.
Those are only issues if that happens to be what you need, but as far as balance transfer offers go, you’ll be hard-pressed to find one with this many positives.
Just note, you’ll be charged a $15 fee for late or missed monthly payments.
Who suits the St.George Vertigo card with the balance transfer offer?
As a low-cost card, the St.George Vertigo card could be a good fit if you typically only pay the minimum monthly repayment, since you’ll pay less in interest.It also has a low credit limit of $500, which could make it useful for those getting their first card, or just as an everyday credit card or emergency fund.
And of course, having one of the longest balance transfer terms makes it an effective tool for paying off debt from credit cards and store cards.
User reviews
Rates and fees
Interest rates
Purchase rate 13.99% p.a.
Cash advance rate 21.49% p.a.
Interest free period on purchases up to 55 days
Balance transfer
Balance transfer rate 0% p.a. for 28 months
Balance transfer revert rate 21.49% p.a.
Balance transfer from personal loan No
Balance transfer fee 1% one off
Balance transfer limit 80% of approved credit limit
Brands you can't balance transfer from Bank of Melbourne, BankSA, St.George
Credit limits
Minimum credit limit $500
Maximum credit limit $80,000
Fees & repayments
Annual fee $55 p.a.
Additional cardholder fee $0 p.a.
Foreign transaction fee 3%
Minimum repayment 2% or $10, whichever is greater
Cash advance fee 3%
Late payment fee $15
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Extras
Eligible with Apple Pay, Google Pay and Samsung Pay
Overview
St.George Vertigo Credit Card
Disclaimer: The interest-free period is the maximum number of days during which interest is not charged on new purchases. To be entitled to any interest-free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.
Key features
- 0% p.a. for 28 months on balance transfers requested at card application with 1% balance transfer fee. Rate then switches to the applicable variable cash advance rate. Available to newly approved card applications by 31 July 2024.
- Affordable $55 annual fee
- Low ongoing purchase rate of 13.99% p.a.
- Up to 55 days interest free on purchases
- Free extra card holder
- Eligible with Apple Pay, Google Pay and Samsung Pay
Minimum criteria to apply for this card
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Be over 18 years old
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Good Credit and have not applied for multiple credit cards recently
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You have permanent residency in Australia/NZ OR; You’re a non-resident or migrant and hold an acceptable Visa, with a min 1 year before expiry
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
Recently Asked Questions
Something you need to know about this card? Ask our credit card expert a question.
Ask a question313 questions (showing the latest 10 Q&As)
hi there, I have two credit cards that wants to consolidate. is this something you can assist me?
Hi Eva, you've landed on CreditCard.com.au - Australia's premier credit card comparison site. To consolidate your credit card balances with the St.George Vertigo card you'll need to let them know during the application process. As long as your other cards aren't issued by Bank of Melbourne, BankSA or St.George you should be in the clear. Of course this is assuming you meet the criteria to apply and pass the St.George credit assessment. Hope this has helped!
Not sure which credit card to choose
Hi Abin, I understand picking the right credit card can feel overwhelming with all the choices out there. To help narrow down your choices, consider your spending habits, financial goals, and any specific features you prefer, such as rewards programs, low interest rates, or balance transfer offers. It might also be beneficial to compare the benefits and terms of different cards from different card issuers.
Hi St. George, I once owned a St. George Credit Card and took advantage of the Balance Transfer Service before closing that account. If I decide to open another St. George Credit Card account, am I still eligible to access the Balance Transfer Service?
Hi Taek, Sometimes providers say new customers and cards only, but the small print on St.Georges sites says "a new Vertigo credit card". If you're in doubt, it might be best to call St.George and double check first.
What does it mean you can only transfer 80% of the available balance? So say the CC limit is 20,000 and i want to transfer 18,000 onto this 32 month interest free CC how wound it work?
Hi Nic, yep you've got it. It's 80% of the total card limit. A card limit of $10k would mean you can transfer $8k, a card limit of $20k would mean you can transfer $16k, etc. So, to transfer $18k, you'd need a credit limit of at least $21,600 (possibly more, if the balance transfer has a fee attached). You could transfer what you could onto a new card, and pay off what's left ASAP, or look at consolidating your debt into a personal loan instead. I hope that helps!
I have applied for this card and the card just arrived ready for me to activate. On your website here it says there is no balance transfer fee with this offer. However, the welcome pack says to me: "Balance transfer fee: 2% of the value of the transferred balance(s), unless we specify a lower or no Balance Transfer fee when you request the balance transfer." No where on the actual St George website can I find a balance transfer fee so all I have to go on is what this offer letter says and it is different to what your website says. Which one is correct?
Hi David, our review and the St.George Vertigo page on the St.George website both cite a 1% balance transfer fee. I'd suggest giving St.George a call directly to clear it up. Thanks David!
Hi Pauline, two questions, one can I transfer my daughters credit cards x 2 to this in my name? If I do a card for $20,000 and transfer $16,000 from her two credit card balances, what would the minimum payments be per month? Many thanks my mobile is xxxxxxxxxx
Hi Vickie! Unfortunately, you can't transfer balances from a different name (they have to all be the same person). If you think she can't be approved for a balance transfer card, she could talk to a finance adviser who might be able to suggest another option, like consolidating into a personal loan. Good luck to you both, thanks Vicki!
I have home loan with st George bank. Can I get this credit card of vertigo one.
Hi Sanjog, you’ll need to contact St.George directly to enquire about whether their home loan advantage package is right for you.
Good Credit and have not applied for multiple credit cards recently. What is the frequency for this check? Because i have 2 different credit cards in the last 6 months and both of them were closed properly (Paid on time and closed properly) If i meet all other eligible criteria will i get this card? Shall i apply or will it affect my credit history?
Hi Barkavi, there are a lot of factors at play when you apply for a credit card, so it's tough to know exactly where you stand. But, from what you've said it sounds like you've done everything right with your previous credit accounts. If you apply for this card and the credit check shows you have good credit history, St.George will probably approve your application. As you said, just make sure you meet other eligibility criteria first.
Can you transfer a two different balances to the one card and can one be a credit card another be a personal loan or something?? Also if you apply and you dont get the card does it affect uou going for other cards. Thanks for the help
Hi Gray! Yes, with this card you can transfer from up to 3 different accounts, but not a personal loan. St.George only accepts balance transfers from credit, store and charge cards. A declined application always shows up on your credit file, so it's a good idea to make sure you meet all the eligibility criteria before you apply.
hi Pauline, Is it possible to transfer the money from the St.George Vertigo Credit Card to my nominated bank account? Does that still avails the "0% p.a. for 32 months on balance transfers requested at card application with no balance transfer fee"?
Hi Errol, if I’m understanding your question correctly, you want to transfer your credit limit to your bank account? Suffice to say, this isn’t possible. During the application process, St.George will ask for details of your other credit accounts, and then work behind the scenes to put the balance transfer amount onto the other card. I’ve written a few pieces on balance transfers that might help you out. You can find out what a balance transfer can do for you, learn about the key rules of balance transfers and learn how to make a balance transfer when applying.
Can I transfer credit balance from this card to another credit card under someone else name? Moreover, can I transfer to personal loan account as well?
Hi Vahid, in most cases, balances can only be transferred from a current account to another new account from other financial institutions under the same name. I suggest checking with the new card issuer for their balance transfer T&Cs for further information. You can check out the guide I’ve written about some key rules about balance transfers. For your personal loan question, there are only a handful of providers who offer this: Citi, Coles, Kogan Money, Qantas Money, and Virgin Money. Hope this helps!
Looking at transferring a credit card debt to an interest free card so I can pay it off
Hi Raylene, if your current credit card isn’t with St.George, Bank of Melbourne, or BankSA, you may apply for the St.George Vertigo and put in your balance transfer request. The application and balance transfer request will still be subject to St.George’s review and approval. You can read more about balance transfers here in the guide I’ve written.
Hi Pauline, does 55 days interest free period still apply during 32 months 0% balance transfer period with an active balance transfer? Thank you.
Hi there, yes it does! I outline that in the review above: "And, while some credit card providers won’t give you any interest-free days on new purchases while you have a balance transfer, St.George does. You’ll still get 55 days interest-free as long as you pay the minimum monthly payment each month." It's a great feature of the card. Cheers!
Ray
26 September 2019At just 15 cents a day...for a $30,000 line of credit and 55 days interest free...this card is a very handy tool for day to day living...
Recommends this cardCreditcard.com.au Visitor
5 August 2013I've been on this card for a few years now. Its a really low interest rate, not many other cards out there with a rate this low. The annual fee of $55 soon pays for itself with the lower interest rate, so I think its worth it.
Recommends this cardElizabeth Lee
28 January 2013Recommended from a friend. This card is one of the best choices I’ve made. Good offer on purchase rates and doesn’t revert to something crazy after. Didn’t get it for the balance transfer but seems good too. Annual fee low for what your getting.
Recommends this cardbenl
28 January 2013The 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
Recommends this cardSanjeet
28 January 2013Great low rate card with an awesome 0% balance transfer and low annual fee.
Recommends this card