In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
Finder makes money from featured partners, but editorial opinions are our own.
St.George Vertigo Card
Go to site
Terms and conditions apply
Balance transfer rate for 28 months with 1% balance transfer fee
0% 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% interest on balance transfers for 28 months, with a one-time 1% balance transfer fee and a $55 annual fee.

If you want to cut interest costs and repay existing credit card debt faster, the St.George Vertigo Card offers 28 months interest-free on balance transfers with a one-time 1% balance transfer fee. This is currently the longest 0% deal available and the $55 annual fee is still on the lower end of the scale.

Pros

  • Balance transfer rate of 0% p.a. for the first 28 months
  • 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

  • Charges a one-time 1% balance transfer fee
  • Balance transfer rate reverts to 21.49% p.a. at the end of the introductory period
  • No rewards program, travel perks and insurance covers

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

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% balance transfer offer that gives you 28 months to pay off existing balances interest-free when you apply by 31 July 2024. This is currently the longest 0% offer on the market.

Details

Product details

Product Name St.George Vertigo Card
Balance transfer rate p.a. 0% for 28 months with 1% balance transfer fee, then 21.49%
Balance transfer limit 80% of available limit
Purchase rate p.a. 13.99%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 21.49%
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 $55
Minimum monthly repayment 2% of the closing balance or $10, whichever is greater
Late payment fee $15
Foreign currency conversion fee 3%
Cash advance fee 3%
Overseas cash advance fee 3% of each cash advance amount
Additional cardholder fee $0

How to apply

You can apply for the St.George Vertigo Card in 10 minutes and receive a response instantly. Before you apply, make sure you meet the eligibility requirements and have the necessary details to complete the application:

Eligibility criteria

  • New cardholder. The balance transfer offer is only available when you apply for the St.George Vertigo Classic Card as a new cardholder before 31 July 2024.
  • Eligible balance transfer. If you're interested in the balance transfer offer, it is important to note that any balance transfer debt needs to be from a card (or cards) that are not issued by St.George, Bank of Melbourne, or BankSA. You are allowed to transfer from $200 up to 80% of your credit limit.

Card benefits

  • 0% p.a. on balance transfers for 28 months. Apply by 31 July 2024 and include your balance transfer request as part of the application to get 0% p.a. on balance transfers for 28 months, with a one-time 1% balance transfer fee. Any remaining balance after the promotional period ends is subject to the cash advance rate, currently 21.49% p.a. You can transfer up to 80% of your approved credit limit from up to 3 cards not issued by St.George, BankSA or Bank of Melbourne.
  • Shopping cashbacks. Eligible St.George credit card holders can get cashbacks when they shop with their card on the online rewards platform ShopBack.

Rates & fees

  • Annual fee. This card attracts an annual fee of $55 p.a.
  • Cash advance rate. If you withdraw cash from an ATM, make a cash-equivalent transaction or have debt remaining at the end of the balance transfer period, you will be charged interest at 21.49% p.a.

Your reviews

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Amy Finder

Editor

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Max

March 12, 2024

Can you balance transfer from a personal loan to this card?


Avatar

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.


Avatar

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


Avatar

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.


Avatar

Cristina

January 25, 2024

I have few credit cards paying it off (different financial services), which I am paying interest per card. I would like to consolidate/balance transfer so are all pay to one card. I checked that St George has an offer currently of 32 months interest free. Can you please assist? You can send information to my email ebuen_c@hotmail.com or call mobile 0402327720

Thank you

Regards

Cristina


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Sarah Megginson Finder

January 30, 2024

Hi Cristina, if you click the green ‘go to site’ button you will arrive on the St George website and you can proceed with your application. Best of luck!


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Robyn

January 24, 2024

Can health care card holders apply for a $3000 transfer


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Sarah Megginson Finder

February 15, 2024

Hi Robyn,


We are not licenced to provide personal advice, so you’ll need to contact St George about your chances of being approved. Generally, banks take into consideration a number of things when processing your application, including your income, expenses and other debts.


Another thing to consider: you may be eligible for a Good Shepherd 0% interest loan, of up to $3000 – these are usually available to help with urgent medical bills and housing costs, like rent.


Hope this helps!


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Curious

January 17, 2024

Can I transfer vertigo balance transfer credit card to my home loan account?


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Amy Bradney-George Finder

January 17, 2024

Yes, you may be able to refinance your home loan to consolidate your credit card debt but it could cost you more interest over time. Finder’s guide to debt consolidation through a home loan has more details and insights that may be helpful. Other debt consolidation options you can consider include personal loans and balance transfer credit cards. I hope this helps.


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