- 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
Hi, I’m a personal finance expert who loves to help you out! I’ll answer your question within a business day. Pinky swear.
St.George Credit Cards
Discontinued: St.George Vertigo Platinum Credit Card
Updated 18 February 2022
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.
Purchase Rate (p.a)
12.99%
Balance Transfer (p.a)
6.99% for 12 months
No balance transfer fee.
Reverts to 21.49% p.a.
Annual Fee (p.a)
$99
Pros and cons
- Charges a 3% foreign currency conversion fee
Creditcard.com.au review
Editor Review
Discontinued: St.George Vertigo Platinum 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. Ask Pauline a Question 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
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
Brands 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 3%
Late payment fee $15
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
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 our credit card expert a question.
Ask a question387 questions (showing the latest 10 Q&As)
i used my visa platinum to pay for airfare what is certificate of activation of travel insurance
Hi Hedie, before commencing your journey, you can actually get a written confirmation of eligibility for cover at www.checkyourcover.com.au/stgeorge based on the answers you provide to them. You can then use and show this written confirmation when needed. Have a great trip!
I have a St G vertigo visa platinum card with credit limit of 11,500
Can this card be used overseas in USA and Canada?
What Insurance cover is there on this card?
Hi Heika, as you might already know, the St.George Vertigo Platinum card as this is no longer for application. If your account is still active then yes you can use it anywhere where a Visa credit card is accepted. As for insurance coverage, you can check their official Complimentary Insurance T&Cs for details or reach out to them directly at 13 33 30 for further information about your card.
Does the vertigo credit card cover covid related insurance claims and for how much.
This is in relationship to over seas travel to Bali.
Thanks Graeme.
Hi Graeme, there isn’t any complimentary credit card travel insurance that covers COVID, they all exclude pandemics and endemics. Unfortunately, this card is no longer available for application and we no longer have access to it. I strongly recommend reaching out to Allianz the underwriter or St.George for specifics.
What is the rewards program connected to the Vertigo Platinum credit card?
Hi Nina, the St.George Vertigo Platinum does not have a rewards program linked to it. The appeal of the Vertigo was its low interest rate and complimentary insurances. This card is also no longer available for application. However, if you are looking to get a St.George credit card, you can use our comparison tool to see the different cards they have available that we have access to. We also have a rewards credit card comparison tool that you can check if you’re keen on getting a rewards credit card. Make sure you meet the requirements in the card’s T&C’s and read the TMD before applying.
I am 59 and am on Centrelink benefits only. Can I still get a credit card?
Hi Sharon, the government has frameworks in place to stop age discrimination in finance, but sometimes other factors can affect your credit application. We’ve written up a guide that may be able to help you. Let us know if you have any other questions!
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.
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.
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?
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.
Creditcard.com.au Visitor
20 January 2016Good 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 cardCreditcard.com.au Visitor
19 October 2015I love the long 0% balance transfer as it gives me time to pay off my debt.
Recommends this card