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St.George Vertigo Platinum Credit Card

35 reviews

Apply by 2 October 2019

Purchase rate

12.99% p.a.

Balance transfer

0% 18 months
0% Complete (success)
reverts to 21.49% p.a. No BT fee

Annual fee

$49 first year
49% Complete (success)
then $99

Pros

0% on balance transfer for 18 months

$49 annual fee first year - save $50

Low purchase rate of 12.99% p.a.

Complimentary overseas travel insurance

Visa Platinum Concierge 24/7

3 additional cardholders at no extra cost

Complimentary purchase cover insurance

Complimentary extended warranty insurance

Cons

Customers with an existing credit card balance on a St.George, BankSA 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

St.George Vertigo Platinum Credit Card

St.George Vertigo Platinum credit card online offer. 0% for 18 months on balance transfers requested at card application with no balance transfer fee. Any unpaid balance transfer at the end of the 18 months reverts to the variable cash advance rate. St.George lowest credit card purchase rate at 12.99% p.a. just makes 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. Offer ends 2 October 2019.

Key features

  • 0% p.a. for the first 18 months on balance transfers. No BT fee applies. Reverts to cash advance rate.
  • 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
custom Image

0% p.a. for the first 18 months on balance transfers

Requested at card application. No BT fee applies. Reverts to cash advance rate.

97% of customers who have rated this card would recommend it
  • Rates
    95%
  • Fees
    92%
  • Rewards
    N/A
  • Customer Service
    92%
  • Value
    90%
Overall user rating 92%
35 reviews

58% Visitor

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

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

Recommends this card

Interest Rates
Purchase rate 12.99% p.a.
Cash advance rate 21.49% p.a.
Interest free on purchases up to 55 days
Balance Transfer
Balance transfer rate 0% p.a. for 18 months
Balance transfer fee No fee
Balance transfer revert rate 21.49% p.a.
Balance transfer limit 80% of your approved new credit limit
Balance transfer from personal loan No
Banks you can't balance transfer from Bank of Melbourne ,BankSA ,St.George
Credit limits
Minimum credit limit $6,000
Maximum credit limit $40,000
Fees & repayments
Annual fee $99 p.a.
Annual fee first year $49
Additional cardholder fee Up to 3 at no extra cost
Cash advance fee 2%
Foreign transaction fee 3%
Minimum repayment 2%
Late payment fee $15
Credit card type Visa
Complimentary insurance
Overseas travel insurance yes - up to 6 months
Flight inconvenience insurance No
Transport accident cover No
Smartphone screen insurance No
Purchase protection insurance Yes
Extended warranty insurance Yes
Rental vehicle excess cover No

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 balance transfers? 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 balance transfers for 18 months (reverts to cash advance rate).

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. If you have existing credit card debt, a balance transfer offer could provide you with a great opportunity to pay it down. With this card, you pay 0% on balance transfers, and you get 18 months to pay it all off. This is a nice long time.

What’s not so great...

We’ve spent some time talking about the St.George Vertigo Platinum Credit Card’s introductory offer. However, it is worth noting that customers with an existing credit card balance on a St.George, Bank SA or Bank of Melbourne credit card cannot apply for this balance transfer offer.

The introductory balance transfer rate revert to the card’s high cash advance rate. So make sure you pay off your debt before the 18 months.

It’s also worth pointing out the card’s 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 balance transfers.

366 questions (showing the latest 10 Q&As)

Amelia

Amelia

16 May 2019
want to do balance transfer
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    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).
Louise

Louise

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

    Roland

    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.
Mandy

Mandy

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 - CreditCard.com.au Founder

    Roland

    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.
Mark

Mark

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

    Roland

    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.
AL

AL

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 - CreditCard.com.au Founder

    Roland

    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.
AL

AL

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 - CreditCard.com.au Founder

    Roland

    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.
  • Be over 18 years old
  • Good credit and 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
St.George Vertigo Platinum Credit Card
St.George Vertigo Platinum Credit Card

St.George Vertigo Platinum Credit Card

Updated 23 May 2019

Apply by 2 October 2019

Purchase Rate (p.a)

12.99%

Balance Transfer (p.a)

0% for 18 months No BT fee. reverts to 21.49% p.a.

Annual Fee (p.a)

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

$0 over 18 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 0% on balance transfer for 18 months
  • $49 annual fee first year - save $50
  • Low purchase rate of 12.99% p.a.
  • Complimentary overseas travel insurance
  • Visa Platinum Concierge 24/7
  • 3 additional cardholders at no extra cost
  • Complimentary purchase cover insurance
  • Complimentary extended warranty insurance

  • Customers with an existing credit card balance on a St.George, BankSA 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

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 balance transfers? 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 balance transfers for 18 months (reverts to cash advance rate).

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. If you have existing credit card debt, a balance transfer offer could provide you with a great opportunity to pay it down. With this card, you pay 0% on balance transfers, and you get 18 months to pay it all off. This is a nice long time.

What’s not so great...

We’ve spent some time talking about the St.George Vertigo Platinum Credit Card’s introductory offer. However, it is worth noting that customers with an existing credit card balance on a St.George, Bank SA or Bank of Melbourne credit card cannot apply for this balance transfer offer.

The introductory balance transfer rate revert to the card’s high cash advance rate. So make sure you pay off your debt before the 18 months.

It’s also worth pointing out the card’s 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 balance transfers.

User reviews

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
58%

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
96%

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 on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 18 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

Overseas travel insurance yes - up to 6 months

Flight inconvenience insurance No

Transport accident cover No

Smartphone screen insurance No

Purchase protection insurance Yes

Extended warranty insurance Yes

Rental vehicle excess cover No

Overview

St.George Vertigo Platinum Credit Card

St.George Vertigo Platinum credit card online offer. 0% for 18 months on balance transfers requested at card application with no balance transfer fee. Any unpaid balance transfer at the end of the 18 months reverts to the variable cash advance rate. St.George lowest credit card purchase rate at 12.99% p.a. just makes 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. Offer ends 2 October 2019.

Key features

  • 0% p.a. for the first 18 months on balance transfers. No BT fee applies. Reverts to cash advance rate.
  • 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 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.

366 questions (showing the latest 10 Q&As)

Amelia

Amelia

16 May 2019
want to do balance transfer
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    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).
Louise

Louise

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

    Roland

    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.
Mandy

Mandy

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 - CreditCard.com.au Founder

    Roland

    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.
Mark

Mark

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

    Roland

    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.
AL

AL

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 - CreditCard.com.au Founder

    Roland

    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.
AL

AL

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 - CreditCard.com.au Founder

    Roland

    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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