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St.George Vertigo Rainbow Credit Card
St.George Vertigo Rainbow Credit Card

St.George Credit Cards

St.George Vertigo Rainbow Credit Card

Updated 22 October 2021

Limited rainbow design edition so you can show your support for the LGBTQI community. St.George Vertigo is currently offering 0% for 32 months on balance transfers. No balance transfer fee, reverts to cash advance rate. Plus, enjoy 0% p.a. interest on purchases for the first 6 months and pay no annual fee for the first year ($55 thereafter). Benefit from one free additional cardholder, 24/7 Fraud monitoring, secure online shopping, and up to 55 days interest-free on purchases.

T&Cs apply. Offer ends 24 February 2022

Purchase Rate (p.a)

0% p.a.

for 6 months. Reverts to 13.99% p.a.

Balance Transfer (p.a)

0% for 32 months No balance transfer fee.
Reverts to 21.49% p.a.

Annual Fee (p.a)

$0 first year. Then $55 p.a.

$0 over 32 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 0% p.a. for 32 months on balance transfers requested at card application. No balance transfer fee, reverts to cash advance rate
  • 0% p.a. interest on purchases for the first 6 months, 13.99% thereafter
  • Pay no annual fee for the first year ($55 thereafter)
  • Free additional card holder
  • Up to 55 days interest free on purchases
  • Eligible with Apple Pay, Google Pay and Samsung Pay

  • Balance transfer rate switches to a high 21.49% p.a. after 12 months
  • Can't transfer loan balances - only balances from credit cards and store cards

Creditcard.com.au review

Editor Review

St.George Vertigo Rainbow 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 Rainbow Credit Card

St.George has come out with a limited colourful rainbow design edition so you can show your support for the LGBTQI community. This has similar features to the Vertigo everyday card but in a colorful design with a purpose.

What we love...

St.George Vertigo Rainbow Credit Card is a no-frills credit card loaded with money-saving features. This has a low ongoing rate of 13.99% p.a. on purchases. And currently, it offers 0% p.a. interest on purchases for the first 6 months. This introductory offer is available to newly approved applications until 24 February 2022 and after the 6-month offer period, the rate will revert to the variable purchase rate.

You will also enjoy 55 interest-free days on purchases when you clear your monthly payment balance on time and in full per statement.

Additionally, this card offers the longest promotional balance transfer offer in the market of 0% p.a. for the first 32 months, with no balance transfer fee. After the offer period ends, the variable cash advance rate applies.

Another money saving feature that is offered for a limited time is the $0 annual fee for the first year. This reverts to an affordable ongoing annual fee of $55. Plus, add an extra card holder without any fees.

What’s not so great...

The cons of this card relate to the balance transfer offer. You may only be able to transfer up to 80% of your approved credit limit, and you cannot transfer balances from other St.George, BankSA or Bank of Melbourne cards. Plus, make sure to clear your balances before the promotional period ends as the rate reverts to a heaping 21.49% p.a. variable cash advance rate.

Why should you choose this card?

St.George Vertigo Rainbow Credit Card highlights the support of inclusiveness while enjoying the card’s enticing features. Aside from the promotional offers, this also provides a low minimum credit limit, 24/7 Fraud monitoring, secure online shopping and compatibility with Apple Pay, Google Pay and Samsung Pay.

In terms of tech, cardholders can also benefit from card block and quick balance, allowing them to block their card for up to 15 days when they misplace it, and check the balance of up to two accounts at a glance on the St.George mobile banking app, without having to log in.

Overall Rating

A low cost card that acts as a real money-saver, providing 0% p.a. on balance transfers for 32 months, 0% p.a. interest on purchases for the first 6 months, and no annual fee for the first year ($55 thereafter). Getting this card is another way to show your support to the LGBTQI community.

User reviews

St.George Vertigo Rainbow Credit Card ( based on 2 Creditcard.com.au user reviews )

78% rating based on 2 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 13.99% p.a.

Introductory purchase rate 0% p.a. for 6 months

Cash advance rate 21.49% p.a.

Interest free period on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 32 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 $500

Maximum credit limit $80,000

Fees & repayments

Annual fee $55 p.a.

Additional cardholder fee Up to 1 - $0 p.a.

Foreign transaction fee 3%

Minimum repayment 2% or $10, whichever is greater

Annual fee the first year $0

Cash advance fee 2% or $2.50, whichever is greater

Late payment fee $15

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Extras

Rainbow card design

Eligible with Apple Pay, Google Pay and Samsung Pay

Card Block up to 15 days when you've misplaced it

Overview

St.George Vertigo Rainbow 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

  • St.George has come out with a limited rainbow design edition so you can show your support for the LGBTQI community
  • 0% p.a. interest on purchases for the first 6 months, 13.99% thereafter
  • 0% p.a. for 32 months on balance transfers requested at card application. No balance transfer fee, reverts to cash advance rate
  • Pay no annual fee for the first year ($55 thereafter)
  • Free additional card holder
  • Up to 55 days interest free on purchases
  • 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

  • Permanent resident or citizen of Australia

  • 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.

2 questions (showing the latest 10 Q&As)

Katie

Katie

13 December 2019
Hi, I am on a de facto visa and my permanent residency kicks in from feb 2020. Am I best to wait for the PR to kick in before applying? Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 December 2019
    Hi Katie, generally speaking I would say you might as well wait. Being towards the end of a Visa can cause some issues for approval.
Sarah Pietsch

Sarah Pietsch

11 August 2018
Hi Roland, I'm new to this balance transfer idea. If I am approved a card limit of $12,000 using the transfer The St.George Vertigo Rainbow Credit Card, and the amount owing on the card is 9,100 - what would be my minimum monthly repayment? Thankyou
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 August 2018
    Hi Sarah, with all credit cards you need to make minimum monthly payments. That is even if you are not paying any interest. The minimum monthly payments are 2% on this credit card. Therefore if you had a $9,100 balance that would be $182. A balance transfer makes sense as you can focus on paying down the debt rather than interest. Its a good idea to put a plan in place to pay the debt down in the 0% interest period.

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