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

St.George Credit Cards

St.George Vertigo Credit Card

Updated 2 September 2021

Save with 0% p.a. for 30 months on balance transfers requested at card application with no balance transfer fee and $0 annual fee for the first year ($55 thereafter). The St.George Vertigo Credit Card also offers a low ongoing purchase rate, up to 55 days interest free on purchases plus, free additional card holder.

T&Cs apply. Offer ends 30 November 2021

Purchase Rate (p.a)


Balance Transfer (p.a)

0% for 30 months No balance transfer fee.
Reverts to 21.49% p.a.

Annual Fee (p.a)

$0 first year. Then $55 p.a.

$0 over 30 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 0% for 30 months on balance transfers requested at card application. No balance transfer fee applies. Rate then switches to applicable variable cash advance rate.
  • $0 annual fee, $55 thereafter
  • Low purchase rate of 13.99% p.a.
  • SMS and email alerts
  • 24/7 fraud monitoring
  • 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 review

Editor Review

St.George Vertigo Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of 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 30 months with no balance transfer fee, $0 annual fee for the first year, plus a 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 30 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 also offers $0 annual fee for the first year which reverts to an affordable ongoing 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 great introductory offers - 0% p.a. on balance transfers for 30 months and $0 annual fee for the first year.

User reviews

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

83% rating based on 19 reviews

Customer Service


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% 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

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


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


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 30 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 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

Annual fee the first year $0

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


Eligible with Apple Pay, Google Pay and Samsung Pay


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 30 months on balance transfers requested at card application. No balance transfer fee applies. Reverts to cash advance rate.
  • No annual fee for the first year; $55 thereafter
  • Low 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

  • Be over 18 years old

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

  • You must be an Australian citizen or have a permanent residency visa.

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

Roland B Bleyer

Roland B Bleyer founded 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.

250 questions (showing the latest 10 Q&As)



20 September 2021
What is the minimum income for applicants for this creditcard?
    Roland B Bleyer - Founder


    20 September 2021
    Hi Mark, not all banks publish their income requirements and this card is no exception. We've curated a list of credit cards that have a lower income requirement. Let us know how you go and what card you choose!


10 September 2021
Hi, it doesn't seem to validate Amex Australia credit card, which holds 15 digit card no. Keeps asking for 16 digits. Does Vertigo accept transfer from Amex?
    Roland B Bleyer - Founder


    13 September 2021
    Hi Tobz, sounds like you’ve found a bug in the St.George application process. It’d be best to contact St.George directly to let them know.


4 September 2021
I recently applied for ANZ credit card and it get approved. Also, I close St . George credit card before 7 months. Will, I am eligible for this offer? Thanks
    Roland B Bleyer - Founder


    7 September 2021
    Hi Santo, as long as you apply and are approved between 24 June 2021 and 30 November 2021, you are eligible for the balance transfer offer. Please note though that balance transfers must be requested at card application.
Christopher Stephen

Christopher Stephen

1 September 2021
I already have a car loan with st george, its in good standing, have not missed a payment in 13 months, what are my chances of getting a credit card with a credit score of just over 600
    Roland B Bleyer - Founder


    8 September 2021
    Hi Christopher, we can’t comment specifically as each bank will have their own acceptance criteria and your credit score is part of it. But, if you already bank with St.George that gives them a more holistic view of your finances. If you keep paying all your debts and utilities on time, you’ll see your credit score go up eventually. Let us know what you decide to do.


23 August 2021
Hi Roland, I'm hoping to apply for a balance transfer from my Humm90 Credit Card, will St.George accept this? Other banks have said they won't accept Balance Transfer from Humm90 Credit Cards. Thanks!
    Roland B Bleyer - Founder


    24 August 2021
    Hi Dan, thanks for your question! I checked on this for you and see that you can request to transfer balances at the time of application from non-Bank of Melbourne, BankSA Austral, and St.George issued credit, charge or store cards. If you would like to, could you reply back to us with the banks that said they wouldn’t do a balance transfer from the Humm cards? Thanks!
Pauline Carroll

Pauline Carroll

15 August 2021
How much income do you need please
    Roland B Bleyer - Founder


    16 August 2021
    Hi Pauline, we’ve looked into this for you however there’s no specific information published on this. And as long as you’re at least 18 years of age, have a good credit, a resident or citizen of Australia, and can provide proof of income, you can apply.


19 July 2021
I’m looking at a 0% bank transfer credit card it’s just all confusing do inly any fees paying it off ?
    Roland B Bleyer - Founder


    21 July 2021
    Hi Mia, a balance transfer can be a good way to pay down your debt. There is an annual fee waiver for the first year with this card, but you can also be stung with late fees if you don’t pay off your debt. We’ve stepped out the process in our balance transfer credit cards guide, if you need more information.


16 July 2021
apply for vertigo credit card 0% balance tranfer
    Roland B Bleyer - Founder


    19 July 2021
    Hi Francis, when you click the “Go to Offer” you’ll be taken to the St.George site to complete your application. You’ll need to indicate that you want to transfer your balance at the time of application. Let us know how you go.
Jason Fishburn

Jason Fishburn

28 April 2021
How does the balance transfer take place? would we need to cancel our previous card or can we transfer a portion of it? thanks!
    Roland B Bleyer - Founder


    28 April 2021
    Hi Jason, thanks for your question. We've written a guide on how a balance transfer works that may be of interest to you. You can transfer up to 80% of approved credit limit with the St.George Vertigo Visa. If this percentage covers your existing debt, most people cancel their previous credit card, simply to avoid racking up more debt. Hope this has helped.


22 March 2021
Am I able to apply from balance transfer over the phone
    Roland B Bleyer - Founder


    23 March 2021
    Hi Ben, to take advantage of the promotional balance transfer, you need to request it during the application. So you couldn't apply online and then request the balance transfer over the phone. You'd need to complete the full application over the phone with someone from their customer care team. If you need any additional information about applying online, we're here to help!
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