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St.George Vertigo Credit Card
St.George Vertigo Credit Card

St.George Credit Cards

St.George Vertigo Credit Card

Updated 4 March 2021

One of the most appealing low rate credit cards on the market, the St.George Vertigo is currently offering 0% for 28 months on balance transfers requested at card application with no balance transfer fee. Reverts to variable cash advance rate. A low $55 annual card fee. With a low ongoing purchase rate and long-term balance transfer offer, it's easy to see why this card is a popular choice.

T&Cs apply. Offer ends 28 September 2021

Purchase Rate (p.a)

13.99%

Balance Transfer (p.a)

0% for 28 months No balance transfer fee.
Reverts to 21.49% p.a.

Annual Fee (p.a)

$55

$0 over 28 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 0% for 28 months on balance transfers requested at card application. No balance transfer fee applies. Rate then switches to applicable variable cash advance rate.
  • Low purchase rate of 13.99% p.a.
  • SMS and email alerts
  • 24/7 fraud monitoring
  • A low $55 annual card fee
  • Free additional card holder
  • Eligible with Apple Pay, Google Pay and Samsung Pay

  • Customers with an existing credit card balance on a St George, Bank SA or Bank of Melbourne credit card cannot apply for the balance transfer.
  • Can't transfer loan balances - only balances from credit cards and store cards

Creditcard.com.au review

Editor Review

St.George Vertigo Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The St.George Vertigo Credit Card

Unfortunately, saving money is as far from glamourous as it gets. In the world of credit cards, it’s usually flashy features and remarkable rewards programs that catch the eye and push potential cardholders to reach for their pen to sign on the dotted line.

But, that’s not to say saving money isn’t appealing. If you’re not overly interested in big features or rewards – but you are interested in saving money – the St.George Vertigo Credit Card could very well be for you.

With its offer providing 0% p.a. on balance transfers for 28 months with no balance transfer fee, plus a low annual fee and low purchase rate, this is a card that eschews glamour for something even more valuable: its ability to save you money!

What we love...

As one of the St.George Vertigo Credit Card’s most attractive features, its balance transfer offer is something we obviously have to talk about before anything else. Quite simply, this offer allows you to transfer existing credit card debt onto the card, to pay 0% p.a. on the transferred balance for 28 months.

This could give you time to pay off that debt, while saving you heaps in interest. And of course, in the meantime, you have a low cost card in your wallet that you can use for everyday spending.

In terms of fees, the St.George Vertigo Credit Card has a very affordable annual fee of $55. And if you don’t manage to clear your balance month-to-month, the card has your back, with purchases attracting a low purchase rate.

What’s not so great...

We’ve talked about the good bits, now let’s get on to the not-so-good bits. These mostly relate to the balance transfer offer – and while they may not be deal breakers, they are worth bearing in mind when weighing up the pros and cons on the card.

First up, if you don’t manage to pay off your transferred balance within the introductory period, any residual amount will revert to the card’s cash advance rate. In addition, you may only be able to transfer up to 80% of your approved credit limit, and you cannot transfer balances from other St.George, BankSA or Bank of Melbourne cards.

Why should you choose this card?

Quite simply, this is a low cost card that can help you save money. If you’re looking for a money-saver, you should seriously consider this as an option.

Not only can the St.George Vertigo Credit Card save you money on purchases, annual fees and balance transfers, it also has a low minimum credit limit.

Happily, it also provides most of the features cardholders have to come to expect on their credit cards. These include one free additional cardholder, 24/7 Fraud monitoring, secure online shopping, and up to 55 days interest free on purchases.

In terms of tech, cardholders can also benefit from card block and quick balance, allowing them to block their card for up to 15 days when they misplace it, and check the balance of up to two accounts at a glance on the St.George mobile banking app, without having to log in.

Overall Rating

A low cost card that acts as a real money-saver, providing a low purchase rate and 0% p.a. on balance transfers for 28 months.

User reviews

St.George Vertigo Credit Card ( based on 19 Creditcard.com.au user reviews )

83% rating based on 19 reviews

Rates
Fees
Rewards
Customer Service
Value
90%

Ray

26 September 2019

At 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 card
79%

Creditcard.com.au Visitor

5 August 2013

I'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 card
63%

Elizabeth Lee

28 January 2013

Recommended 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 card
80%

benl

28 January 2013

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

Recommends this card
86%

Sanjeet

28 January 2013

Great low rate card with an awesome 0% balance transfer and low annual fee.

Recommends this card

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 No fee

Balance transfer limit 80% of approved credit limit

Banks you can't balance transfer from Bank of Melbourne, BankSA, St.George

Credit limits

Minimum credit limt $500

Maximum credit limit $80,000

Fees & repayments

Annual fee $55 p.a.

Additional card holder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment 2% or $10, whichever is greater

Cash advance fee 2% or $2.50, whichever is greater

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. If your account has an interest free period for purchases, to be entitled to that 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% for 28 months on balance transfers requested at card application. No balance transfer fee applies. Reverts to cash advance rate.
  • Low purchase rate of 13.99% p.a.
  • A low $55 annual card fee.
  • Free extra card holder
  • Up to 55 days interest free on purchases
  • Eligible with Apple Pay, Google Pay and Samsung Pay

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Resident or citizen of Australia. Temporary residents are eligible.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

235 questions (showing the latest 10 Q&As)

Jo

Jo

4 March 2021
Hi .. is it an option for me to apply for the Vertigo Credit Card, for the purpose of balance transfer of a $10000 credit card debt that one of my adult children has found himself with. I realise that this would make me solely responsible for the repayments .. just not sure if the credit card debt for transfer, has to be in my name, please.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 March 2021
    Hi Jo, there is nothing in St.George's Terms & Conditions that indicate that it's prohibited. However, it would be best to call or drop into a branch and ask before you apply.
neil

neil

12 February 2021
I wanted to apply for a balance transfer from my other bank account to this vertigo credit card. I have already a st george vertigo platinum card with no balance in it. Will I be able to do so?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 February 2021
    Hi Neil, Yes, this promotion is available as long as you're applying for a new Vertigo Credit Card. To make your application stronger, it is worth looking at the limit on your Vertigo Platinum card, and considering lowering it before you apply for a new card. This is because how much credit you'll get on the new card is affected by the amount of credit already available to you.
guy Silvester

guy Silvester

9 February 2021
What offer is there for existing card holders?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 February 2021
    Hi Guy, Unfortunately, as with most credit cards, promotional offers are only available for new applicants. If you're looking for a balance transfer and already have a Vertigo credit card, you'd need to apply for a new card with another bank (excluding St.George, Bank of Melbourne, BankSA and Westpac). If you've been a loyal St.George customer, it might be worth giving them a call and seeing if there is anything they can do for you.
Hetaraka Akutina Patrick

Hetaraka Akutina Patrick

31 January 2021
I have filled out online application for the Vertigo Credit card and the screen froze at 85% final check. Can you please give me an update.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 February 2021
    Hi Hetaraka, sorry to hear. It is annoying when technology goes wrong. Especially when you are completing an online application. Do you have an application number or save your application? If yes, then you should be able to continue. If not, sounds like you may have to start again unfortunately. Though before you do, it may be worth giving St George credit card customer service a call on 1800 028 208. To see if they have stored the app. Then you may be able to finish the last steps over the phone.
eric

eric

27 January 2021
Can i transfer 2 card balances to the one card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    27 January 2021
    Hi Eric, yes, you transfer up to 3 non-st george group issued credit cards.
Jamal Pakdel

Jamal Pakdel

26 January 2021
balance transfer interest free for 26 month
Donna

Donna

25 January 2021
Can I transfer the balance from a family members credit card & also from my existing credit card (both from different banks) onto this card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 January 2021
    Hi Donna, no, a balance transfer can only be between the same legal person.
Kate

Kate

24 January 2021
My credit card has a $13,000 limit. I want to decrease my debt and was wondering if I can BT that whole limit or will it only be 80% of the balance. I don't want to be stuck paying for 2 cards
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 January 2021
    Hi Kate, with a balance transfer. Its all about the limit of your new credit card. You will need to get at least a $16,500 limit to be able to transfer $13,000. 80% of $16,500 is $13,200.
Keeley Wise

Keeley Wise

22 January 2021
Hi if I apply for a credit card am I able to add it to my Apple Pay to be used right away or will I need to wait for it to arrive?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 January 2021
    Hi Keeley, you would need to wait until you receive and active your card.
Alannha

Alannha

11 January 2021
Hi there, I am interested in applying for the St George Vertigo credit card bank transfer balance. I want to transfer my NAB credit card over to the above mentioned offer. However i do have an existing St George balance transfer credit card at the moment - am i able to apply for this new offer or not? Thank you :)
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 January 2021
    Hi Alannha, it is possible to have 2 balance transfers running at the same time. Approval will depend on a range of factors with affordability and your payment history being key.
Sun

Sun

13 December 2020
Can I apply as a joint application?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 December 2020
    Hi Sun, St George have stopped allowing joint applications. Typically 1 person will apply now and then have a secondary card for the other.
paul Burtenshaw

paul Burtenshaw

8 December 2020
I already have ST George vertigo card. can I increase my current limit on card and get interest free balance transfer onto my existing product?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    8 December 2020
    Hi Paul, the balance transfer offer is for new cards only. Therefore you will not be able to do it with your current card. How much debt are you looking to transfer and from what bank(s)?
Phoebe Rowlandson

Phoebe Rowlandson

4 December 2020
Hi there, I would like to apply for a balance transfer through the St George Vertigo card, at what step during the application process can i do this? is it once I am approved?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 December 2020
    Hi Phoebe, during the application process. You will put in the details of the card(s) you wish to balance transfer. The balance transfer is only available at the time of application. Once approved, then St.George would make a payment on your behalf on the agreed balance transfer amount to the other bank(s).
Zac Ferkula

Zac Ferkula

1 December 2020
Wishing to apply for a balance transfer to a Vertigo card. Just wondering I wish to transfer $6000 and wife wishes to transfer $10000. Can we both transfer on the one card (joint).
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 December 2020
    Hi Zac, you would both need to apply separately to transfer each of your balances. A balance transfer needs to be in the same legal name. Only if you had a joint card already non-St.George issued. Then it could be possible to transfer to a joint card.
ian

ian

2 November 2020
I want to apply for a credit card by visiting the Mount Gravatt Branch. Do I need to make an appointment and what do I need to take with me?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 November 2020
    Hi Ian, you do not need to make an appointment. You will need 100 points of ID. You will need the same information as if you were applying online. It is likely they will just give you a form in branch to complete. Then they will need to send this offer. Have this entered digitally like an online application then they will be able to process it. Information needed: Identification Australian driver's licence, Medicare card, Passport, Australian birth certificate or NSW Photo Card. Foreign tax details if applicable. Income and employment. Financial commitments. Verify your financials online. Upload financial documents as required. This is off the online application. Though you will need to probably do all this in branch.
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