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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 1 October 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 9 February 2021

Purchase Rate (p.a)

0% p.a.

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

Balance Transfer (p.a)

6.99% for 12 months No balance transfer fee.
Reverts to 21.49% p.a.

Annual Fee (p.a)

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

$0 over 12 months

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
  • 3 additional cardholders at no extra cost
  • Complimentary purchase cover insurance
  • Complimentary extended warranty insurance
  • Eligible with Apple Pay, Google Pay and Samsung Pay

  • 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! 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, 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
59% 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% 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

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 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


Eligible with Apple Pay, Google Pay and Samsung Pay


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
  • 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.

  • 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.

381 questions (showing the latest 10 Q&As)



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 - Founder


    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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