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

St.George Credit Cards

St.George Vertigo Credit Card

Updated 7 July 2020

One of the most appealing low rate credit cards on the market, the St.George Vertigo is currently offering 0% for 22 months on balance transfers requested at card application with a 1.5% balance transfer fee. Reverts to variable cash advance rate. 0% p.a. on purchases for 7 months. Rate then switches to applicable variable purchase rate. Pay no annual fee first year, low $55 annual card fee thereafter. With a great purchase and balance transfer offer, it's easy to see why this card is a popular choice.

T&Cs apply. Offer ends 30 September 2020

Purchase Rate (p.a)

0% p.a.

for 7 months. Reverts to 13.99% p.a.

Balance Transfer (p.a)

0% for 22 months 1.5% BT fee applies. reverts to 21.49% p.a.

Annual Fee (p.a)

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

$0 over 22 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 0% for 22 months on balance transfers requested at card application. 1.5% balance transfer fee applies. Rate then switches to applicable variable cash advance rate.
  • 0% p.a. on purchases for 7 months. Rate then switches to low purchase rate of 13.99% p.a.
  • SMS and email alerts
  • 24/7 fraud monitoring
  • Pay no annual fee first year. Low $55 annual card fee thereafter
  • 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 22 months with a 1.5% 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 22 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.

If you are looking to make a bigger purchase, it comes with 0% for 7 months on purchases and reverts to the low 13.99% p.a. purchase rate.

In terms of fees, the St.George Vertigo Credit Card has a very affordable annual fee of $55. The annual fee is waived first year. 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. A 1.5% balance transfer fee applies to the amount transferred.

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 and 0% p.a. on balance transfers for 22 months.

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.

Introductory purchase rate 0% p.a. for 7 months

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 22 months

Balance transfer revert rate 21.49% p.a.

Balance transfer from personal loan No

Balance transfer fee 1.5% one off

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%

Annual fee the first year $0

Cash advance fee 2%

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 22 months on balance transfers requested at card application. 1.5% balance transfer fee applies. Reverts to cash advance rate.
  • 0% p.a. on purchases for 7 months. Rate then switches to low purchase rate of 13.99% p.a.
  • No annual fee first year. $55 annual card fee thereafter.
  • 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.

  • Minimum income of $15,000 p.a.

  • 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.

213 questions (showing the latest 10 Q&As)



5 July 2020
I was wondering if I balance transfer to this card can I upgrade to the platinum card while I have a balance outstanding?
    Roland B Bleyer - Founder


    6 July 2020
    Hi Rob, I don't think this would work. If you could, then the previous balance transfer would be cancelled. Then what was left of the balance transfer would now be charging interest. Whether this would be the cash advance or purchase rate I am unsure. I would suggest you do the transfer. Then focus on paying this off completely. Then look to move to platinum if desired.
Jason Vassallo

Jason Vassallo

4 July 2020
Am i eligle? Im on a pension i only pay 100 a month utility And food together and 360 a month rent nothing else
    Roland B Bleyer - Founder


    6 July 2020
    For starters, make sure you meet our eligibility basics: You’re aged 18 or over, You’re an Australian citizen or have a permanent residency visa. You have a regular, verifiable income and you have a residential address in Australia. Add in some things that could help: You’re regularly meeting your repayment obligations for other credit card or loan accounts. You’ve considered whether you need to keep any credit accounts you no longer use – e.g.: store cards. Check your credit report to make sure that you have no issues. Every time you apply for any form of credit, your credit history is checked by the credit provider. This is listed as an enquiry on your report. Multiple applications can be seen as a red flag and reduce your chances of approval. Bottom line - the St George Vertigo is one of the easier cards to get approval for. Though with Covid times in swing banks still seem to be tighter on approvals. If you like the card, you can have a go.
Jason Vassallo

Jason Vassallo

24 May 2020
Im wanting to apply for credit card but having trouble
    Roland B Bleyer - Founder


    25 May 2020
    Hi Jason, what trouble are you having?


27 February 2020
what is the is the monthly repayment formula before interest payments are due aswell?
    Roland B Bleyer - Founder


    28 February 2020
    Hi Jodie, the minimum monthly repayment is 2% of your outstanding balance. So if you owe $1,000. Then you will need to pay $20.
Ed Tam

Ed Tam

18 December 2019
Hi regarding Balance Transfer for St. George Vertigo Credit Card.. I have 4 existing credit cards. Is there any limit of the number of credit cards that I can do BALANCE TRANSFER to St George Vertigo? Thanks.
    Roland B Bleyer - Founder


    19 December 2019
    Hi Ed, I think the limit is 3. Though you will see when you complete the online application form. All cards must be non-St George group issued. That is non-St George, BOM or BankSA. The amount you can transfer will be dependent on your approved credit limit. Bottom line, I am not sure of any balance transfer offer that can do 4 cards. I would select the 3 highest interest bearing and look to transfer them. Read our credit card application tips.


5 December 2019
Hi. I have bad credit. I bank with Westpac. I'm on a Disability Support Pension with Centrelink and work casually, 3x days per week. I'm just needing a credit card or loan. I have a Mazda CX-3 2015 model, valued at $18000 market value. I'm renting, single and no dependants.
    Roland B Bleyer - Founder


    6 December 2019
    Hi Tanya, with bad credit it is pretty much impossible to get approved for a credit card. The best option would be to look at a loan secured against your car. Try a specialty bad credit car loan broker.


2 December 2019
Hi jus't wanna ask if bridging visa can apply for credit card
    Roland B Bleyer - Founder


    3 December 2019
    Hi Ian, how much time is left on your bridging Visa? Typically I would suggest you await the outcome and then apply post this. If you have 9+ months on the Visa then this should be good to apply.
Walter phillip

Walter phillip

20 November 2019
I am consider as temporary resident. I'm holding bridging visa A. I work fulltime with annual gross aud45,760. Its befire tax and not included over time. Am i eligible to apply this credit card?
    Roland B Bleyer - Founder


    21 November 2019
    Hi Walter, how long do you have left on your current Visa? Typically they want to see at least 9 months left though the more the better. Your income is fine to apply for this card.


7 November 2019
HI Roland, my daughter has $2400 owing at 24-99%. We want to help her out by getting a $2400 credit card and she can pay us back. Do you have any options for us? Keith.


23 October 2019
How to apply
jody cooper

jody cooper

5 October 2019
Hi, I have a low credit score but dont have any other credit or expenses (partner covers all the outgoings) - whats my best chance of successful credit card application?
    Roland B Bleyer - Founder


    8 October 2019
    Hi Jody, you need to build up your credit by using it. This St George Vertigo is on of the easier to get approved for. So is a good place to start. 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.


28 September 2019
Is annual fee will be change at the end of year or will charge at beginning. As in Westpac credit card they charge at early stage. So I am wondering how about St George policy about credit card??
    Roland B Bleyer - Founder


    30 September 2019
    Hi Jinks, I think with every credit card. The annual fee is charged soon after card activation. Then the 2nd annual fee on the anniversary of this.


10 September 2019
can balance transfer be done to debit card of my commonwealth bank
    Roland B Bleyer - Founder


    10 September 2019
    Hi Anup, no balance transfer available to a debit card. You can transfer up to 3 non-St George issued store or credit cards to this balance transfer offer.

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