- 0% p.a. for 20 months on balance transfers requested at card application. 3% balance transfer fee applies. Rate reverts to variable cash advance rate. Available to newly approved cards.
- Low ongoing purchase rate at 13.99% p.a.
- Affordable $55 annual fee
- Free additional card holder
- Up to 55 days interest free on purchases
- Eligible with Apple Pay, Google Pay and Samsung Pay
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St.George Credit Cards
St.George Vertigo Rainbow Credit Card
Updated 28 May 2026
Limited rainbow design edition so you can show your support for the LGBTQI community. St.George Vertigo is currently offering 0% p.a. for 20 months on balance transfers. Plus, enjoy the great features this card has to offer with a low annual fee. Benefit from one free additional cardholder, 24/7 fraud monitoring, secure online shopping, and up to 55 days interest-free on purchases.
Purchase Rate (p.a)
13.99%
Balance Transfer (p.a)
0% for 20 months
3% balance transfer fee applies.
Reverts to 21.99% p.a.
Annual Fee (p.a)
$55
Pros and cons
- Balance transfer rate switches to a high 21.99% 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
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question 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.
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 its new card members the longest promotional balance transfer offer in the market of 0% p.a. for 20 months on balance transfers, with 3% balance transfer fee. After the offer period ends, the variable cash advance rate applies. The promotional balance transfer rate is available when you apply and are approved for a new St.George Vertigo Rainbow Credit Card, and request at card application to transfer balance(s) from up to 3 non-St.George, Bank of Melbourne, and BankSA Australian issued credit, charge or store cards.
Another money saving feature is the 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 21.99% 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. for 20 months on balance transfers, and low annual fee. Getting this card is another way to show your support to the LGBTQI community.
User reviews
Rates and fees
Interest rates
Purchase rate 13.99% p.a.
Cash advance rate 21.99% p.a.
Interest free period on purchases up to 55 days
Balance transfer
Balance transfer rate 0% p.a. for 20 months
Balance transfer revert rate 21.99% p.a.
Balance transfer from personal loan No
Balance transfer fee 3% one off
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 $500
Maximum credit limit $80,000
Fees & repayments
Annual fee $55 p.a.
Additional cardholder fee $0 p.a.
Foreign transaction fee 3%
Minimum repayment 2% or $10, whichever is greater
Cash advance fee 3.5%
Late payment fee $20
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
- Low ongoing purchase rate at 13.99% p.a.
- 0% p.a. for 20 months on balance transfers requested at card application. 3% balance transfer fee applies. Rate reverts to variable cash advance rate. Available to newly approved cards.
- A low $55 annual fee
- 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
-
You have permanent residency in Australia/NZ OR; You’re a non-resident or migrant and hold an acceptable Visa, with a min 1 year before expiry
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 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 question4 questions (showing the latest 10 Q&As)
I have just completed a debt consolidation agreement in May 2022
I am interested in getting a credit card and would like to know if this is the best card for me. I love the bright colours sbd design by the way
Hi Kym, it’s great to hear that you’ve got your debt sorted. Before applying for any new form of credit you should definitely get a copy of your credit file to see where you stand. It might take time to rebuild your credit report, you can check out our guide on tips to build your credit score, so you can see what the banks see.
How do l apply
Hi Trish, you can apply online by clicking on the green Go To Offer button at the top of this page. You should definitely make sure you meet the card’s eligibility criteria as well as reading the card’s TMDs before applying. Hope this helps!
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
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.
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
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.
briella
5 July 2025ok card
Recommends this card