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Discontinued: St.George Vertigo Platinum Credit Card
Discontinued: St.George Vertigo Platinum Credit Card

St.George Credit Cards

Discontinued: St.George Vertigo Platinum Credit Card

Updated 5 July 2021

This card is no longer available for application. This information has been left for those who still have the card or were previously interested
St.George's lowest credit card purchase rate at 12.99% p.a. making things that much better. The annual card fee is $99 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.

Points Earn Rate (per $1 spent)

Rewards Program

Bonus Points

N/A

Pros and cons

  • Low purchase rate of 12.99% p.a.
  • Complimentary overseas travel insurance for up to 6 months
  • 3 additional cardholders at no extra cost
  • Complimentary purchase cover insurance
  • Complimentary extended warranty insurance
  • Eligible with Apple Pay, Google Pay and Samsung Pay

  • Charges a 3% foreign currency conversion fee

Creditcard.com.au review

Editor Review

Discontinued: St.George Vertigo Platinum Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. 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. 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.

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.

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! The card 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, and platinum perks.

User reviews

Discontinued: St.George Vertigo Platinum Credit Card ( based on 35 Creditcard.com.au user reviews )

92% rating based on 35 reviews

Rates
Fees
Rewards
Customer Service
Value
59%

Creditcard.com.au 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
99%

Creditcard.com.au 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.

Cash advance rate 21.49% p.a.

Interest free period on purchases up to 55 days

Balance transfer

Balance transfer rate 6.99% p.a. for 12 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 $6,000

Maximum credit limit $80,000

Fees & repayments

Annual fee $99 p.a.

Additional cardholder fee Up to 3 at no extra cost

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

Rewards and points

Rewards program

Rewards Program N/A

Bonus points N/A

Annual points cap uncapped

Bonus points spend criteria N/A

Earning points with this card

Points cap per month N/A

Additional features

Complimentary insurance

International Travel Insurance Yes - up to 6 months

Flight Inconvenience Insurance Yes

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance Yes

Extras

Eligible with Apple Pay, Google Pay and Samsung Pay

Overview

Discontinued: 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

  • 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.
  • $99 annual card fee
  • Lowest St.George purchase rate of 12.99% p.a.
  • Up to 55 days interest free on purchases
  • 3 additional cardholders at no extra cost
  • Apply online in 10 minutes. 5 mins for existing St.George customers
  • 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 Creditcard.com.au 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.

382 questions (showing the latest 10 Q&As)

Vijay

Vijay

21 December 2020
What is the turn around time for application approval. I just canceled an application with CBA as they didn't respond for over six weeks.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 December 2020
    Hi Vijay, 6 weeks is huge, what was the issue why it was taking so long? St.George are good at processing credit cards. Typically its around 5 business days though Christmas could be longer.
Sophia

Sophia

24 September 2020
Hi, I'm wanting to open a 0% interest credit card now however I don't want to use it until December. Will the months count from the first day I open the card or the first purchase?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 September 2020
    Hi Sophia, it will be from the first day you open the card, not when you make your first spend. There should be 0% purchase offers still available at that time. Though its always good to prepare in case some issue happens with the application.

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