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

St.George Credit Cards

St.George Vertigo Platinum Credit Card

Updated 2 January 2020

Introductory 0% p.a. on purchases for 15 months, that reverts to St.George lowest credit card purchase rate at 12.99% p.a. making things that much better. Reduced annual fee of $49 the first year. Annual card fee is $99 thereafter and you can also apply for 3 additional cardholders at no extra cost. Overall this is a great low rate credit card offer from St.George.

T&Cs apply. Offer ends 12 February 2020

Purchase Rate (p.a)

0% p.a.

for 15 months. Reverts to 12.99% p.a.

Balance Transfer (p.a)


Annual Fee (p.a)

$49 first year. Then $99 p.a.


My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 0% p.a. for 15 months on purchases. Reverts to 12.99% p.a.
  • $49 annual fee first year - save $50
  • Low purchase rate of 12.99% p.a.
  • Complimentary overseas travel insurance for up to 6 months
  • Visa Platinum Concierge 24/7
  • 3 additional cardholders at no extra cost
  • Complimentary purchase cover insurance
  • Complimentary extended warranty insurance

  • No balance transfer offer review

Editor Review

St.George Vertigo Platinum Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of about this card.

The St.George Vertigo Platinum Credit Card

So you want a card with a low purchase rate? Okay, that’s reasonable. You want platinum perks as well? That may be pushing it a little. Wait, you also want an awesome introductory offer on purchases? Now we know you’re dreaming!

Actually, no. Getting all of those things on one card is possible. Just check out the St.George Vertigo Platinum Credit Card. While platinum cards tend to have higher purchase rates, this platinum offering has a low variable rate of 12.99% p.a. – which just happens to be St.George’s lowest rate on purchases.

What else do you get? Well, there is a whole heap of platinum benefits and an amazing offer. This card offer 0% on purchases for 15 months and a reduced annual fee of $49 first year.

Interested? Let’s take a closer look.

What we love...

What’s not to love about that low purchase rate? In the long term, having a card with a low rate can certainly help you save money on interest. However, it also has another benefit.

Now, back to that introductory offer. With this card, you pay 0% on purchases, and you get 15 months to pay it all off. This is a nice long time.

What’s not so great...

It’s worth pointing out the card’s ongoing annual fee is $99. While this is relatively low for a platinum card, it’s still quite a lot to pay out for a credit card. To make it worthwhile, just make sure you’re making the most of the platinum benefits – and that you’re paying off the balance of the card before interest starts accruing.

Why should you choose this card?

Want platinum perks? You got it! First up, you have access to your very own personal assistant using Visa Platinum Concierge. Need to book a flight? Want to know which restaurants near you rate the highest? Want to reserve theatre tickets? The card’s platinum concierge service is on hand 24/7 to help you with all of that, and everything in between.

The card also provides you with a whole host of complimentary insurance covers perfect for the frequent traveller – and the frequent shopper. In terms of travel cover, the card provides overseas travel insurance, domestic flight inconvenience insurance and transit accident insurance. As for retail cover, the card offers price guarantee cover, purchase cover insurance and extended warranty insurance.

Anything else? Sure. You can enjoy up to 55 days interest free on purchases, and up to three additional cardholders at no extra cost.

Overall Rating

As a low rate platinum card this card combines a fantastic low purchase rate, platinum perks and an excellent introductory offer on purchases.

User reviews

St.George Vertigo Platinum Credit Card ( based on 35 user reviews )

92% rating based on 35 reviews

Customer Service
58% Visitor

20 January 2016

Good Balance Transfer period. Poor Customer Service though. St George Stuffed up our Mailing address, which is a Privacy issue for Financial Statements being sent to who knows who. Also we Declined Future Credit Limit increase offers But St George Still put the account on Accepting Limit Increase Offers. All these issues were eventually rectified Only once We found them and Contacted St George, who had no real explanations and Refunded our Annual Fee to assist in us not contacting FOS and providing these examples of POOR Banking/CREDIT practices.

Recommends this card
96% Visitor

19 October 2015

I love the long 0% balance transfer as it gives me time to pay off my debt.

Recommends this card

Rates and fees

Interest rates

Purchase rate 12.99% p.a.

Introductory purchase rate 0% p.a. for 15 months

Cash advance rate 21.49% p.a.

Interest free period on purchases up to 55 days

Credit limits

Minimum credit limt $6,000

Maximum credit limit $40,000

Fees & repayments

Annual fee $99 p.a.

Additional card holder fee Up to 3 at no extra cost

Foreign transaction fee 3%

Minimum repayment 2%

Annual fee the first year $49

Cash advance fee 2%

Late payment fee $15

Additional features

Complimentary insurance

International Travel Insurance Yes - up to 6 months

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance No


St.George Vertigo Platinum 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 15 months on purchases. Reverts to 12.99% p.a.
  • Overseas travel insurance - up to 6 months. Available if you are a permanent resident and pay for at least $500 of your prepaid travel costs to your Vertigo Platinum card. Covers unlimited hospital and medical expenses incurred overseas. Up to $30,000 for lost or damaged personal property. Up to $3,750 for alternative transport to a special event.
  • Purchase Insurance. Up to 4 months cover against theft, loss or damage on selected purchases. Extended warranty insurance for up to 12 additional months. Price guarantee cover of up to $300 on eligible purchases in Australia - if you find it cheaper within 21 days, you can claim the difference.
  • $49 annual fee the first year - $99 annual card fee thereafter
  • Lowest St.George purchase rate of 12.99% p.a.
  • Up to 55 days interest free on purchases
  • Visa Platinum Concierge - Can help you with booking concert tickets. Research and book a holiday. Plan a special occasion and much more.
  • 3 additional cardholders at no extra cost
  • Apply online in 10 minutes. 5 mins for existing St.George customers

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.

374 questions (showing the latest 10 Q&As)



21 January 2020
Can you balance transfer from ZipMoney?


18 November 2019
Looking at St George Vertigo credit card with no interest for 15 months. I have various purchases I wish to make. Do I pay monthly balances or can I pay the total value in one lump sum at the end of 15 months without occrring interest fees. I am not looking at credit card transfer.
    Roland B Bleyer - Founder


    18 November 2019
    Hi Lynette, you will still need to make the minimum monthly payments. Though besides that you will not be charged interest for the first 15 months. Then can just pay the balance off in full just before the 15 month period expires to avoid paying any interest.


7 September 2019
Hi you balance transfer in my ANZ credit card in o% if apply ur credit card
    Roland B Bleyer - Founder


    9 September 2019
    Hi Harpreet, yes you can balance transfer ANZ credit card debt to this St George balance transfer offer. Best of luck with your application.


3 September 2019
Can you do a balance transfer from GoMasterCard?
    Roland B Bleyer - Founder


    4 September 2019
    Hi Anna, yes, St George will take Go Mastercard (latitude financial) debt, subject to credit approval.


21 July 2019
I have a Visa Platinum card and would like to claim on the Purchase insurance price guarantee as I have found the item cheaper somewhere else. Who do i go about it.


9 July 2019
Hi, me and my husband have existing st George credit card with no more balance owing, I would like to transfer some money owing from other credit cards, can We used that existing credit card from st George or apply for a new one?
    Roland B Bleyer - Founder


    10 July 2019
    Hi Brenda, this balance transfer is for new cards only. Therefore you would not be able to do the same balance transfer on your current St George card. You could call customer service and see if they can offer you a deal.


4 July 2019
What % of my cc balance can i transfer?
    Roland B Bleyer - Founder


    5 July 2019
    Hi Lisa, you can always transfer 100% though it will depend on your new credit limit. With this offer you can transfer up to 80% of your new credit limit. So if you get approved for 10k, then you can transfer up to 8k. How much are you looking to transfer and from what card(s)?


1 June 2019
Is the st George vertigo card are you allowed to have joint application? How is it different from a single application?
    Roland B Bleyer - Founder


    3 June 2019
    Hi Kenny, yes you can do a joint application with St George credit cards. This means that both parties would be liable for the debt. They will evaluate both your financial situations for approval. You can just apply for it in one persons name also.


16 May 2019
want to do balance transfer
    Roland B Bleyer - Founder


    17 May 2019
    If you current have non-St George group credit card or store card debt. You can move this debt to this offer. What happens is, St George, will make a payment on your behalf off your old card(s).


1 May 2019
Can I transfer a balance from a UK credit card to an Australian credit card?
    Roland B Bleyer - Founder


    2 May 2019
    Hi Louise, no, you can only balance transfer Australian issued credit card debt. You would need to look at a UK balance transfer offer. Alternatively, you could look to an Australian low rate personal loan (non-Citi) to pay off the debt. Then as a second step, get a Citi balance transfer for the personal loan. Citi issued credit cards will accept personal loan debt as part or all of the transfer. If you go down this path. I suggest you try and wait 6 months from your personal loan application before applying for the Citi balance transfer. Read through our credit card application tips before applying.


19 April 2019
If I want to do a balance transfer plus have access to some extra funds, can this be done on 0% interest? The cc balance is $7500 is with Westpac and in an ideal world an extra $1000. What I don't understand is where does this extra $1000 go or how does it get accessed?
    Roland B Bleyer - Founder


    23 April 2019
    Hi Mandy, I don't think so but you can try. The debt in the balance transfer should be current at the time of application. If approved, St George would make a payment on your behalf off your old card(s). If there was only $7,500 debt and they made a payment for $8,500. Then you should be in credit for the extra $1,000 and be able to pull it out in cash if this is the case. Though I have not heard of people doing this.


2 March 2019
Is there a minimum required spend for this card ?
    Roland B Bleyer - Founder


    4 March 2019
    Hi Mark, this card does not have a minimum spend requirement. You just need to make minimum repayments each month that you hold a balance.


18 February 2019
I have a credit card with a bank to the value of $2000..i would like to transfer it to another bank plus a further$4000 making it $6000 allup.I only have 616 points and a $30000 inc.No otherr debts.Any ideas? The card with Wespac and would like another card
    Roland B Bleyer - Founder


    19 February 2019
    Hi AL, it is possible to transfer Westpac debt to this St George Vertigo Platinum. Even though they have the same owners. They still issue their credit cards separately. Thus a balance transfer between them is possible. Good luck with your application.


18 February 2019
I have a credit card with a bank to the value of $2000..i would like to transfer it to another bank plus a further$4000 making it $6000 allup.I only have 616 points and a $30000 inc.No otherr debts.Any ideas?
    Roland B Bleyer - Founder


    19 February 2019
    Hi Al, what is your current credit card? A balance transfer must be between different banks. That kind of credit limit should be possible. You can specify your desired credit limit in the application. The bank will review you information and assign limit based on this. The St George Vertigo Platinum has a minimum credit limit of $6,000. Therefore this could be a good choice if your current debt is outside the St George Group.

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