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

St.George Credit Cards

St.George Vertigo Credit Card

Updated 22 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. Rate then switches to applicable variable purchase rate. Low annual card fee of $55. With 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)


Balance Transfer (p.a)

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

Annual Fee (p.a)


$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
  • Low annual card fee of $55
  • 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 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 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 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 limit $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


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 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.
  • $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 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.

242 questions (showing the latest 10 Q&As)

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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