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St.George Vertigo Credit Card

17 reviews

Apply by 22 May 2019

Purchase rate

13.74% p.a.

Balance transfer

0% 16 months
0% Complete (success)
reverts to 19.49% p.a. No BT fee

Annual fee

$55 p.a.
55% Complete (success)

Pros

0% p.a. for 16 months balance transfer

Low purchase rate of 13.74% p.a.

Free additional card holder

Cons

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.

CANNOT transfer loan balances - only balances from credit cards and store cards

You can balance transfer up to 80% of your approved credit limit

Balance transfer reverts to high cash advance rate

St.George Vertigo Credit Card

One of the most appealing low rate credit cards on the market, the St.George Vertigo is currently offering 0% p.a. on balance transfers for 16 months. No balance transfer fee applies. Variable cash advance rate applies after the promotional period. Low $55 annual card fee, low 13.74% p.a. purchase rate and great balance transfer offer, 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. Offer ends 22 May 2019. New cards only.

Key features

  • Introductory balance transfer rate of 0% p.a. for 16 months. Reverts to cash advance rate.
  • Low purchase rate of 13.74% p.a.
  • $55 annual card fee
  • Visa Paywave
  • Free extra card holder
  • Up to 55 days interest free on purchases
custom Image

0% p.a. on balance transfers for 16 months

No balance transfer fee applies. Variable cash advance rate applies after the promotional period.

  • Rates
    88%
  • Fees
    85%
  • Rewards
    N/A
  • Customer Service
    76%
  • Value
    83%
88% of customers who have rated this card would recommend it
Overall customer rating 83%
17 reviews

79% 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

84% Elizabeth Lee | 28 January 2013

Recommended from a friend. This card is one of the best choices Iâ??ve made. Good offer on purchase rates and doesnâ??t revert to something stupid after. Didnâ??t get it for the balance transfer but seems good too. Annual fee low for what your getting.

Recommends this card

Interest Rates
Purchase rate 13.74% p.a.
Cash advance rate 19.49% p.a.
Interest free on purchases up to 55 days
Balance Transfer
Balance transfer rate 0% p.a. for 16 months
Balance transfer fee No fee
Balance transfer revert rate 19.49% p.a.
Balance transfer limit 80% of your approved new credit limit
Balance transfer from personal loan No
Banks you can't balance transfer from Bank of Melbourne ,BankSA ,St.George
Credit limits
Minimum credit limit $500
Maximum credit limit $40,000
Fees & repayments
Annual fee $55 p.a.
Additional cardholder fee $0 p.a.
Cash advance fee 2%
Foreign transaction fee 3%
Minimum repayment 2%
Late payment fee $15
Credit card type Visa
Complimentary insurance
Flight inconvenience insurance No
Transport accident cover No
Smartphone screen insurance No
Purchase protection insurance No
Extended warranty insurance No
Rental vehicle excess cover No

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 16 months, plus a low annual fee and low ongoing 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 16 months.

This could give you plenty of 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 ongoing 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 ongoing 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 income requirement and 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 Falcon 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, no annual fee for the first year and 0% p.a. on balance transfers for 16 months. Offer ends 22 May 2019. New cards only.

190 questions (showing the latest 10 Q&As)

Linda

Linda

1 March 2019
Going to UK for 6 weeks can I use this this card overseas
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 March 2019
    Hi Linda, yes you can use this card overseas any where Visa is accepted. In the UK that should be pretty much everywhere.
Jody

Jody

21 October 2018
Hi, my wife and I are both on Centrelink payments (dsp/family tax benefit A/B and Carers payment/allowance) and I was wondering if St George would allow us to get a credit card.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 October 2018
    Hi Jody, it can be possible as St George can see this as income. Approval will depend on a range of factors. If you are putting away some money each month that shows the bank that you have excess funds to pay a new card off. They will test if you max out the card, if you can pay off. I suggest that you try for a low limit like $500. You can always look to increase. Key factors for approval will be your income v expenses, assets v liabilities and your credit history.
Sally

Sally

17 October 2018
Hi there what income do u use for this credit card please
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 October 2018
    Hi Sally, you need to have regular income of at least $15,000 a year to apply for this card. Additionally the Age Pension, Disability Pension and Widower's Pension are acceptable as income and also Family Tax Benefits and Parenting Payments are.
Mark

Mark

7 September 2018
Can I use this for my business?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 September 2018
    Hi Mark, it would need to be registered in your personal name. Therefore you would be liable for any debt that is incurred. You could use it for business expenses. If you are looking for a credit card in the businesses name. Have a look at the NAB Low Rate Business. It has an intro offer of 0% for 12 months on purchases.
Barbara

Barbara

18 May 2018
How safe is it to use online ? Can I be cleaned out ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 May 2018
    Hi Barbara, any unauthorized transactions online are protected against. That is the bank will cover these types of fraudulent transactions. I have been shopping online now for over 20 years and never had any issues personal.
Te Hana

Te Hana

2 May 2018
Can I use this card to pay off my current credit card ($10,000) with the 18 months interest free? If yes how would I make the transfer? What maximum credit limit would I need to apply for to make one transfer under the 18 month interest free option?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 May 2018
    Hi Te, you can transfer up to 80% of your new approved credit limit. Therefore to move over 10k, your new limit would need to be at least $12,500 on your vertigo. You complete an online application form. In the application process they will ask you whether you want to transfer any current credit card debt. You complete the details of the non-St George group issued cards you wish to transfer and the amount. If approved and once you activate the card. St George will make a payment on your behalf in regards to the approved balance transfer amount. The absolute maximum credit limit for this card is $40,000.
Melissa

Melissa

5 March 2018
Hi,Are there any fees in conjunction with making payments via Bpay. My current card charges me $1 every time I make a payment via Bpay & I hate that!Thank you.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 March 2018
    Hi Melissa, there are no fees on the St George Vertigo credit card for bpay. Its always a good idea to check out your credit card fees every fee months in case they have made changes that work against you. You can then compare other cards in market and switch if there is a better deal for you.
Jacki Firinauskas

Jacki Firinauskas

4 March 2018
can I transfer a person loan balance on to this card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 March 2018
    Hi Jacki, you cannot transfer loans to any St George balance transfer credit card offer. Citi are the only issuer in Australia that will accept non-Citi personal loan debt as part or all of the transfer. Have a look at the Citi Rewards Platinum offer. Or you can check out any of the Citi balance transfer offers that could work.
ADI

ADI

21 February 2018
i am a new resident here with bridging visa n trying to set up y live here in melbourne i dont have a credit record n i am banking with anz and westpac n apply for my first cc but always let me down so i would like to know if i can apply n get approved which cc will suit me the best for me thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 February 2018
    Hi Adi, typically you need to be on a long stay (457 Visa) with a certain amount of time left to be able to get approval. I am not sure you will be able to get approved for a card whilst on the bridging visa. Once you residency status has been updated I would look to apply again. I would speak directly with ANZ or Westpac to see what assistance they may be able to offer. There is no point applying for cards if you are just going to get knocked back. This will create some negativity on your credit file when you are wanting to build this as much as possible.
Maddy

Maddy

8 February 2018
I have a default of $308 on my credit report that was recently paid back in full. Would this affect my application?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 February 2018
    Hi Maddy, having a default (even paid) listed on your credit file will be a road block for getting approved. Though this does not mean that you can not. Every persons financial situation is unique. The amount seems low and if its not related to any credit card or loan then this is a positive. Its better that it is paid, than not. If you have not applied for credit (and been rejected) recently. You have regular income and everything else checks out. Then I think its worth a shot to apply.
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Resident or citizen of Australia. Temporary residents are eligible.
  • Minimum income of $15,000 p.a.
  • You have your personal details ready to complete the online application
St.George Vertigo Credit Card
St.George Vertigo Credit Card

St.George Credit Cards

St.George Vertigo Credit Card

14 March 2019

Apply by 22 May 2019

Purchase Rate (p.a)

13.74%

Balance Transfer (p.a)

0% for 16 months No BT fee. reverts to 19.49% p.a.

Annual Fee (p.a)

$55

$0 over 16 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

St.George Vertigo Credit Card

One of the most appealing low rate credit cards on the market, the St.George Vertigo is currently offering 0% p.a. on balance transfers for 16 months. No balance transfer fee applies. Variable cash advance rate applies after the promotional period. Low $55 annual card fee, low 13.74% p.a. purchase rate and great balance transfer offer, 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. Offer ends 22 May 2019. New cards only.

Key features

  • Introductory balance transfer rate of 0% p.a. for 16 months. Reverts to cash advance rate.
  • Low purchase rate of 13.74% p.a.
  • $55 annual card fee
  • Visa Paywave
  • Free extra card holder
  • Up to 55 days interest free on purchases

Customer Reviews

St.George Vertigo Credit Card

83% rating based on 17 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates & Fees

Interest rates

Purchase rate 13.74% p.a.

Cash advance rate 19.49% p.a.

Interest free on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 16 months

Balance transfer revert rate 19.49% 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 $40,000

Fees & repayments

Annual fee $55 p.a.

Additional card holder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment 2%

Cash advance fee 2%

Late payment fee $15

Additional features

Complimentary insurance

Overseas travel insurance No

Flight inconvenience insurance No

Transport accident cover No

Smartphone Screen Insurance No

Purchase protection insurance No

Extended warranty insurance No

Rental vehicle excess cover No

Our Review

Editor Review

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 16 months, plus a low annual fee and low ongoing 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 16 months.

This could give you plenty of 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 ongoing 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 ongoing 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 income requirement and 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 Falcon 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, no annual fee for the first year and 0% p.a. on balance transfers for 16 months. Offer ends 22 May 2019. New cards only.

Pros

  • 0% p.a. for 16 months balance transfer
  • Low purchase rate of 13.74% p.a.
  • Free additional card holder

Cons

  • 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.
  • CANNOT transfer loan balances - only balances from credit cards and store cards
  • You can balance transfer up to 80% of your approved credit limit
  • Balance transfer reverts to high cash advance rate

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.

  • Minimum income of $15,000 p.a.

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

Customer reviews

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
84%

Elizabeth Lee

28 January 2013

Recommended from a friend. This card is one of the best choices Iâ??ve made. Good offer on purchase rates and doesnâ??t revert to something stupid after. Didnâ??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%

Editor

28 January 2013

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

Recommends this card
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 Question

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

190 questions (showing the latest 10 Q&As)

Linda

Linda

1 March 2019
Going to UK for 6 weeks can I use this this card overseas
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 March 2019
    Hi Linda, yes you can use this card overseas any where Visa is accepted. In the UK that should be pretty much everywhere.
Jody

Jody

21 October 2018
Hi, my wife and I are both on Centrelink payments (dsp/family tax benefit A/B and Carers payment/allowance) and I was wondering if St George would allow us to get a credit card.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 October 2018
    Hi Jody, it can be possible as St George can see this as income. Approval will depend on a range of factors. If you are putting away some money each month that shows the bank that you have excess funds to pay a new card off. They will test if you max out the card, if you can pay off. I suggest that you try for a low limit like $500. You can always look to increase. Key factors for approval will be your income v expenses, assets v liabilities and your credit history.
Sally

Sally

17 October 2018
Hi there what income do u use for this credit card please
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 October 2018
    Hi Sally, you need to have regular income of at least $15,000 a year to apply for this card. Additionally the Age Pension, Disability Pension and Widower's Pension are acceptable as income and also Family Tax Benefits and Parenting Payments are.
Mark

Mark

7 September 2018
Can I use this for my business?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 September 2018
    Hi Mark, it would need to be registered in your personal name. Therefore you would be liable for any debt that is incurred. You could use it for business expenses. If you are looking for a credit card in the businesses name. Have a look at the NAB Low Rate Business. It has an intro offer of 0% for 12 months on purchases.
Barbara

Barbara

18 May 2018
How safe is it to use online ? Can I be cleaned out ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 May 2018
    Hi Barbara, any unauthorized transactions online are protected against. That is the bank will cover these types of fraudulent transactions. I have been shopping online now for over 20 years and never had any issues personal.
Te Hana

Te Hana

2 May 2018
Can I use this card to pay off my current credit card ($10,000) with the 18 months interest free? If yes how would I make the transfer? What maximum credit limit would I need to apply for to make one transfer under the 18 month interest free option?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 May 2018
    Hi Te, you can transfer up to 80% of your new approved credit limit. Therefore to move over 10k, your new limit would need to be at least $12,500 on your vertigo. You complete an online application form. In the application process they will ask you whether you want to transfer any current credit card debt. You complete the details of the non-St George group issued cards you wish to transfer and the amount. If approved and once you activate the card. St George will make a payment on your behalf in regards to the approved balance transfer amount. The absolute maximum credit limit for this card is $40,000.
Melissa

Melissa

5 March 2018
Hi,Are there any fees in conjunction with making payments via Bpay. My current card charges me $1 every time I make a payment via Bpay & I hate that!Thank you.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 March 2018
    Hi Melissa, there are no fees on the St George Vertigo credit card for bpay. Its always a good idea to check out your credit card fees every fee months in case they have made changes that work against you. You can then compare other cards in market and switch if there is a better deal for you.
Jacki Firinauskas

Jacki Firinauskas

4 March 2018
can I transfer a person loan balance on to this card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 March 2018
    Hi Jacki, you cannot transfer loans to any St George balance transfer credit card offer. Citi are the only issuer in Australia that will accept non-Citi personal loan debt as part or all of the transfer. Have a look at the Citi Rewards Platinum offer. Or you can check out any of the Citi balance transfer offers that could work.
ADI

ADI

21 February 2018
i am a new resident here with bridging visa n trying to set up y live here in melbourne i dont have a credit record n i am banking with anz and westpac n apply for my first cc but always let me down so i would like to know if i can apply n get approved which cc will suit me the best for me thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 February 2018
    Hi Adi, typically you need to be on a long stay (457 Visa) with a certain amount of time left to be able to get approval. I am not sure you will be able to get approved for a card whilst on the bridging visa. Once you residency status has been updated I would look to apply again. I would speak directly with ANZ or Westpac to see what assistance they may be able to offer. There is no point applying for cards if you are just going to get knocked back. This will create some negativity on your credit file when you are wanting to build this as much as possible.
Maddy

Maddy

8 February 2018
I have a default of $308 on my credit report that was recently paid back in full. Would this affect my application?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    9 February 2018
    Hi Maddy, having a default (even paid) listed on your credit file will be a road block for getting approved. Though this does not mean that you can not. Every persons financial situation is unique. The amount seems low and if its not related to any credit card or loan then this is a positive. Its better that it is paid, than not. If you have not applied for credit (and been rejected) recently. You have regular income and everything else checks out. Then I think its worth a shot to apply.

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