- 0% p.a. for 32 months on balance transfers requested at card application. No balance transfer fee applies. Rate then switches to the applicable variable cash advance rate. Available to newly approved card applications by 30 April 2024.
- A low annual fee of $55
- Low ongoing purchase rate at 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
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St.George Credit Cards
St.George Vertigo Credit Card
Updated 7 November 2023
Apply by 30 April 2024 for a new St.George Vertigo Credit Card and save with 0% p.a. for 32 months on balance transfers requested at card application. Plus, a low annual fee of $55. The St.George Vertigo Credit Card also offers low ongoing purchase rate at 13.99% p.a., up to 55 days interest-free on purchases and free additional cardholder. T&Cs apply.
Purchase Rate (p.a)
13.99%
Balance Transfer (p.a)
0% for 32 months No balance transfer fee.
Reverts to 21.49% p.a.
Annual Fee (p.a)
$55
Pros and 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.
- Can't transfer loan balances - only balances from credit cards 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.
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 32 months with no balance transfer fee plus, a low annual fee, 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 32 months. Available to newly approved card applications by 30 April 2024.
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 an affordable ongoing card 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, card 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 ongoing interest rates and great introductory offers - 0% p.a. on balance transfers for 32 months, and affordable annual fee.
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 32 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
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. 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% p.a. for 32 months on balance transfers requested at card application with no balance transfer fee. Rate then switches to the applicable variable cash advance rate. Available to newly approved card applications by 30 April 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
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
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 question296 questions (showing the latest 10 Q&As)
How to apply for ST George bank vertigi CC with 0% balance transfer?
Hi Dickson, we’re currently not partnered with the St.George Vertigo card but you can go to their official website to apply. Alternatively, you can check the other balance transfer cards for options.
Can I transfer an overdraft?
Hi Malcolm, I don’t know of any credit cards that let you balance transfer an overdraft. Most are restricted to credit cards and store cards, and some let you transfer personal loans (such as Citi, Coles, Virgin Money and Bank of Queensland). I hope that helps!
I have a ready credit from citibank. I am looking to transfer it to St .George Vertigo Credit card. Can you please give me information please.
Hi Deb, you’ll probably need to call St.George directly to ask them if they’ll accept a balance transfer from Citi Ready, since it’s not technically a credit card. If St.George says you can, you’ll be able to organise the transfer during the application. Thanks Deb!
Just wondering with an annual card fee of $55 will interest be applied to the interest free balance transfer?
Hi Kylie, your annual fee is added to your Purchase Balance, which is your normal everyday purchases (which will be charged interest) and not your balance transfer. But, if you pay off your card in full each statement period, you won’t pay any interest on your purchases or your annual fee. Thanks Kylie!
I have an existing St George Credit Card with no money owing is the balance transfer offer available to me?
Hi Anthony, the current balance transfer offered by the St.George Vertigo credit card is only available to new and approved Vertigo credit cardholders. If you want to complete a balance transfer, you can compare a range of balance transfer cards with 0% p.a. Interest offers.
Hi, was going to apply for the St.George Vertigo credit card, but i see that credit card transfers from Bank SA cards are n0ot excpeted? Just wondering why that is?
Hi Shane, good question! St.George, BankSA, and Bank of Melbourne are all part of the same company, which is Westpac Group. While they share some similarities, they may have different policies or offers for their respective credit cards. It's possible that the specific terms for credit card transfers differ between them. You can however check some of the balance transfer credit cards for options for BankSA customers.
Hi there. Can i transfer the balance from my wife's credit card (from Commonwealth) to my card?
Hi Rafael, good question! Only a very tiny amount of lenders allow balance transfers from a different account name. I tried to find out for you but couldn’t get through to a customer service person. St.George does mention that you can’t do a balance transfer from a joint account, so it’s likely you won’t be able to transfer from your wife’s card. You can try giving them a buzz on 13 33 30 and see if you have better luck. Thanks Rafael!
Hi, I am looking for a 0% interest balance transfer for 32 months ideally and came across your card! I have a balance to transfer of $50,000 and aiming to pay this off within 32 months. I earn a salary or $130000. Can you can confirm if your balance transfer allows from a personal loan? Thank you Sarah
Hi Sarah, thanks for your message. You’re actually on Creditcard.com.au, Australia’s top credit card comparison site. But I checked this for you and it appears that St.George does not permit transfers from personal loans. However, there are other credit card issuers that do offer this option, such as Citi and Virgin Money, Qantas, Coles and Kogan.
HI I just want to know if i can do a balance transfer to my husband's credit card (ANZ or AMEX)
Hi Aman, you can usually balance transfer to any brand as long as it’s not the same brand. So for instance, you could transfer between St.George and ANZ, but not St.George to St.George. The only time that rule might not apply is if the bank owns different brands (St.George to Bank of Melbourne for example, which are both owned by Westpac). On the bottom of our review you’ll see which banks you can transfer to and from for the card. I hope that helps!
What is a balance transfer and how does it work?
Hi L, interesting question! A balance transfer is the process of moving an existing credit card debt from one card to another, often with a lower interest rate (or none at all for a period). This can help you save money on interest payments and consolidate your debt into one card for easier management. Typically, you'll apply for a balance transfer during card application, and if approved, the new card issuer pays off your old card balance. You then make payments on the new card at the lower interest rate, ideally paying off the debt faster and more affordably. You can explore our article that provides detailed explanations of important rules regarding balance transfers for additional information. Hope this helps!
Hello I have a Coles Credit cars I recieved my first statement and the bal is due on the 8th of March, but I have first the card today to buy new tyres. Does the balance transfer , pay the whole current balance or what my first statement says. I would like to transfer the whole amount which is more than just the Feb statement
Hi Wernher, a balance transfer will allow you to pay off the total amount you owe on your existing credit card and not just the amount on your first statement. However, you need to consider the balance transfer limit and the processing time to make sure the amount you can actually transfer can cover your total existing credit card balance and that the balance transfer will be made on time to avoid late fees and other potential issues. If you are looking at moving your existing Coles credit card balance to a new St.George Vertigo credit card, it’s worth noting that with this card, you can only transfer up to 80% of your approved credit limit and the balance transfer processing time may take a few days and in some cases, up to 4 weeks. To be on the safe side, it’s best to speak with Coles and St.George directly so they can advise you accordingly on this matter.
i have westpac bank account , can i do balance transfer to my westback savings (life) or checking account(choice) from this st george vertigo card
Hi Shanmugam, unfortunately, you cannot do balance transfers to a savings or checking account with the St.George Vertigo credit card. This card only allows cardholders to transfer balances from up to 3 non-St.George, Bank of Melbourne, and BankSA Australian issued credit, charge, or store cards.
With a balance transfer, does the 55 day interest free period apply to new purchases, or not until the balance transfer amount is paid off?
Hi Za, the 55 interest free period on the St.George Vertigo card only applies to new purchases if the promotional offer includes both balance transfers and new purchases. Since the current promotional offer is only for balance transfers, the 55 day interest free period will not apply to new purchases until the balance transfer amount is paid off in full.
Hello Pauline, I would like to consider organising a Balance Transfer to the Vertigo Credit Card from three different credit cards. Is this possible? I also want to enquire whether completing an application will impact my current credit rating? I look forward to hearing from you. Thank you. Kind regards, Bianca
Hi Bianca, these are great questions! You may certainly request to transfer multiple balances. However, please note that balance transfers are subject to St.George’s review and approval. And yes, any time you apply for a form of credit, a lender will do what’s called a “hard-pull” on your credit file. This will impact your score. If you have any other questions please feel free to drop another comment. If you’d like further reading, we’ve written an article with some key rules about balance transfers that you can check. Hope this helped!
What is a cash advance fee ?
Hi Jerry, that’s a good question! A cash advance fee is the fee you’ll be charged every time you withdraw cash using your credit card. With the St.George Vertigo card, you’ll have to pay 3% of the amount at the time of transaction. You’ll also get charged a higher rate of interest as soon as the transaction takes place.
Does vertigo card offer deals and offers on flights ?
Hi Nancy, the St.George Vertigo isn’t a rewards credit card, more of a day-to-day low interest card. You can try to reach out to St.George directly at 13 33 22 to see what their current offers and deals are.
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