Ask Pauline a Question

Hi, I’m a personal finance expert who loves to help you out! I’ll answer your question within a business day. Pinky swear.

We ask for your email so we can respond to you directly. We won’t share your personal data. For more information, see our privacy policy.

N/A
St.George Vertigo Credit Card
St.George Vertigo Credit Card

St.George Credit Cards

St.George Vertigo Credit Card

Updated 24 March 2022

Save with 0% p.a. for 32 months on balance transfers requested at card application with no balance transfer fee. Plus, enjoy $0 card fee for the first year, then reverts to a low ongoing 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. Offer ends 30 June 2022

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)

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

$0 over 32 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 0% p.a. for 32 months on balance transfers requested at card application. 0% balance transfer fee applies. Rate then switches to applicable variable cash advance rate
  • $0 card fee in the first year, $55 thereafter
  • 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

  • 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. 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 $0 card fee for the first years, 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.

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 card fee for the first year which reverts to 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 $0 card fee for the first year.

User reviews

St.George Vertigo Credit Card ( based on 20 Creditcard.com.au user reviews )

81% rating based on 20 reviews

Rates
Fees
Rewards
Customer Service
Value
90%

Ray

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%

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
63%

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
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%

Sanjeet

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 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

Annual fee the first year $0

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. 0% balance transfer fee applies. Rate then switches to applicable variable cash advance rate
  • No card fee for the first year; $55 thereafter
  • 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

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 a our credit card expert a question.

272 questions (showing the latest 10 Q&As)

Sandra

Sandra

26 May 2022
Can I get a credit card if I am on a pension
    Pauline - CreditCard.com.au

    Pauline

    27 May 2022
    Hi Sandra, if you’re interested in getting a credit card, our guide to credit cards on a pension might be of help. We break down the process and list some of the income requirements for the banks. Hope this helps you out.
Alena

Alena

13 May 2022
Hi what is the expected salary to get the st George vertigo credit card- I’m a uni student and work three days casually earning roughly $1500 per fortnight
    Pauline - CreditCard.com.au

    Pauline

    13 May 2022
    Hi Alena, I checked and don’t see that St.George publishes their income requirements. However, you can reach out to them directly at 13 33 22 to get information. You can also check a list of credit cards that are for lower-income earners or part time for your options. In that article we checked income requirements with the banks we mention.
Sunita

Sunita

4 May 2022
I have a loan from st george snd wanted to apply this balance transfer credit card. I know it might sound silly but will it be possible to get credit card from here and pay off to st george in one go to remove my loan off??
    Pauline - CreditCard.com.au

    Pauline

    5 May 2022
    Hi Sunita, I checked St.George’s terms and it states that you cannot transfer balances from loans or from cards issued by Bank of Melbourne, BankSA, and St.George. If you’re keen to transfer your loan balance to a credit card, you’ll need to choose a card backed by Citi. This includes Qantas, Virgin, Coles and Kogan. Please check the card’s terms, conditions and TMD before proceeding with your application.
sheryle edwards

sheryle edwards

29 April 2022
hi there im looking at applying for a credit card i work part-time for almost 3 months
    Pauline - CreditCard.com.au

    Pauline

    4 May 2022
    Hi Sheryle, thank you for getting in touch. Getting a credit card is an exciting first step to financial independence. We’ve written a guide to what you need to look out for, and how to prepare yourself for when you’re ready to apply.
Venkata krishna

Venkata krishna

26 April 2022
Hi, I have 485 (post graduate work) visa for next 3 years. Income $70000 Per year. Can you please let me know if I am eligible work credit card?
    Pauline - CreditCard.com.au

    Pauline

    27 April 2022
    Hi Venkata, I checked St.George’s requirements and they state that “You must 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”. Check out our guide to how to get a credit card if you’re not an Australian citizen, and our comparison of credit cards for non-residents to find out more. Alternatively, you can try calling St.George to talk to them about the intricacies of your circumstances. Hope this helps!
brendan

brendan

30 March 2022
i wish to apply for the 0% p.a. for 32 months on balance transfers
    Pauline - CreditCard.com.au

    Pauline

    31 March 2022
    Hi Brendan, if you know you meet the eligibility criteria, you can click the green Go To Offer button at the top of this page. Please read the card’s terms, conditions and TMD before proceeding with your application.
Greta Martinovic

Greta Martinovic

14 March 2022
Hi Would I be able to apply for a St George credit card for balance transfers with interest free if it’s from westpac and bank of Melbourne and I’m from Victoria?
    Pauline - CreditCard.com.au

    Pauline

    16 March 2022
    Hi Greta, I checked St.George Vertigo’s terms and it states that you cannot transfer balances from Bank of Melbourne but you may do so from Westpac cards. Balance transfers must be requested at the time of application and you may only transfer a certain percentage of your approved credit limit. For St.George Vertigo, you can transfer up to 80%. To view other balance transfer credit cards that accept Westpac transfers, you can use our tool to compare side by side and select the card that suits your needs best.
Michele Loughlin

Michele Loughlin

13 March 2022
Can this call d be used to pay off both ZIP money and Zip Pay accounts/cards as well as credit card balance transfers. Also, how many transfers are allowed and is there a minimum amount for each tfr. Thank you
    Pauline - CreditCard.com.au

    Pauline

    14 March 2022
    Hi Michele, you can transfer up to 80% of your new credit card balance with this card, with a minimum transfer of $200. You’re also in luck as Zip Pay, Zip Money have BPAY numbers that allow for their balances to be transferred across.
Allen

Allen

7 March 2022
With my current card I have a monthly limit of $30K would this be possible with this card?
    Pauline - CreditCard.com.au

    Pauline

    8 March 2022
    Hi Allen, If approved for the St.George Vertigo card, you may be approved as low as $500 or a maximum of $80,000 credit limit. Of course this approval and credit limit is set by the bank depending on several factors. The limit of $30K on your current card would impact your chances of approval. This is because banks use the total of your credit card limit, whether it is utilised or not. Black credit cards have a higher credit limit, so you could also add these to your comparisons.
Nae

Nae

2 March 2022
I am interested in your 0% balance transfer for 32 months. $0 fee for the first year with your St. George Vertigo Credit Card. Before I go ahead with looking into this, I need to ask if St. George accept Humm90 credit cards on their list for those they include please? Thank you.
    Pauline - CreditCard.com.au

    Pauline

    3 March 2022
    Hi Nae, good question! I checked this for you and saw that there’s no specific list of which banks St.George accepts but it states that they don’t support transfers from BOM, BankSA or St.George banks. You can click the Go To Offer button at the top of this page to know more about the offer.
Mishqa

Mishqa

31 January 2022
Hello team, I would like to balance transfer $5000 from my NAB credit card. What does a purchase rate mean? Does that mean it will be 13% of the 5K or would it apply if I were to purchase new items using the credit card?
    Pauline - CreditCard.com.au

    Pauline

    1 February 2022
    Hi Mishqa, great question. To explain it in depth there’s two interest rates tied to a credit card. One is for everyday purchases and the other is for “cash transactions” such as taking cash out at an ATM. With the St.George Vertigo card you’ll get 0% p.a. (no interest) for 32 months on your transferred balance, giving you 2+ years to pay it off. If, at the end of that time frame you still have an outstanding balance, it will revert back to the cash advance interest rate of 21.49% p.a. If you need more information, check out our guide to balance transfers and what they can do for you.
Deep

Deep

30 January 2022
Hi I'm 28 years old living in Melbourne working full time in IT. I don't have a credit card and never needed one because my money management is so good that Debit card has always been sufficient for me. But now in near future, I'm planning to get married and buy a house, so unexpected expenses could be lined up. While I was doing a bit of research online, I found out that having a credit card helps in building a good credit score. So I'm planning to get a credit card. I'm looking for no annual fees, I know I'm gonna barely use the card initially and even if I use, I'll surely pay it in time. So looking for less interest. What others things should I look at and do you have any card in mind for me? I would really appreciate your assistance. Thanks.
    Pauline - CreditCard.com.au

    Pauline

    1 February 2022
    Hi, it’s nice to know you are looking to get your first credit card. You can check the tips we’ve written in this piece on what and what not to do when getting your first card. There are also a lot of different cards that have different offers to choose from. Although we cannot recommend one card over another, you can use our credit card for first timers comparison tool to see what card suits you best based on your needs or jump straight into the no annual fee credit cards. You can save cards to your list and then use our tool to compare them side by side. If you’re looking at a no annual fee card you should definitely keep in mind the interest rate, whether there is a 2nd year annual fee and if there’s any form of rewards attached to the card. Happy card hunting!
Help us improve

By submitting this feedback you agree to our privacy policy.

My credit card is not listed

By submitting this form you agree to our privacy policy.