The St.George Vertigo is a low rate card suited to people looking for just the basics when it comes to a credit card. Right now, it has a long 0.99% balance transfer offer that gives you 28 months to pay off existing balances when you apply by 30 November 2024.
St.George Vertigo Card
- Balance transfer rate for 28 months with no balance transfer fee
- 0.99% p.a.
- Purchase rate
- 13.99% p.a.
- Annual fee
- $55 p.a.
- Interest-free on purchases
- Up to 55 days
Our verdict
A no-frills credit card offering 0.99% interest on balance transfers for 28 months, with no balance transfer fee and a $55 annual fee.
Pros
-
Balance transfer rate of 0.99% p.a. for the first 28 months, with no balance transfer fee
-
A low ongoing annual fee
-
Shopping cashbacks through ShopBack
-
Competitive purchase interest rate of 13.99% p.a.
-
Additional cardholder at no extra cost
Cons
-
Balance transfer rate reverts to 21.99% p.a. at the end of the introductory period
-
No rewards program, travel perks and insurance covers
Details
Product details
Product Name | St.George Vertigo Card |
Balance transfer rate p.a. | 0.99% for 28 months, then 21.99% |
Balance transfer limit | 80% of available limit |
Purchase rate p.a. | Purchase rate p.a. 13.99% |
Interest-free period | Up to 55 days on purchases |
Cash advance rate p.a. | 21.99% |
Min credit limit | $500 |
Max credit limit | $80,000 |
Card type | Visa |
Eligibility
Available to temporary residents | Yes - Conditions apply |
Joint application | No |
Rewards
Bonus points | N/A |
Fees
Annual fee | Annual fee $55 |
Minimum monthly repayment | 2% of the closing balance or $10, whichever is greater |
Late payment fee | $15 |
Foreign currency conversion fee | Foreign currency conversion fee 3% |
Cash advance fee | 3% |
Overseas cash advance fee | 3% of each cash advance amount |
Additional cardholder fee | $0 |
Your reviews
Amy Finder
Editor
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Sarah Megginson Finder
July 16, 2024
Hi John, It depends on the level of income, your expenses, her other debts, her credit rating, and what type of card she’s applying for. It might be best to start with a card with a lower limit, as she is more likely to be approved for a lower limit than a higher limit.
You can contact St George for personal advice about whether she is likely to be approved, and you can review some other card options here.
Hope this helps!
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Nans
July 06, 2024
Can i apply this card with the balance transfer under a company ? thx
Sarah Megginson Finder
July 12, 2024
Hi Nans, No this card is available to personal applicants only.
Nick
May 06, 2024
Can the balance transfer be sent to my savings account by St George, and I will then pay off my current credit cards?
Sarah Megginson Finder
May 10, 2024
Hi Nick,
No, with a balance transfer the funds will be sent directly to your nominated credit cards to pay the balance down. For you to receive the funds in your savings account, it would be treated as a cash advance and interest would begin accruing immediately.
Max
March 12, 2024
Can you balance transfer from a personal loan to this card?
Sarah Megginson Finder
March 25, 2024
Hi Max, Balance transfers can only be made from Australian issued credit or store cards other than St. George Credit Card Accounts. St. George will not accept the transfer of balances of personal loans or overdrafts, or of balances from business credit card accounts.
Grant
February 03, 2024
Hi there,
I can’t seem to find a balance transfer fee on finder, or on St George’s website (ordinarily I’d expect a 1-3% fee for the transfer). Does the balance transfer not have any fees attached to it?
Thanks
Amy Bradney-George Finder
February 05, 2024
Hi Grant,
The current balance transfer offer on this card doesn’t have a balance transfer fee. I hope this helps.
John
July 10, 2024
My wife is retired and receives regular monthly pension from her super. Would she qualify for a credit card?