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Balance transfer rate for 36 months with no balance transfer fee: 6.99% 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 6.99% interest on balance transfers for 36 months, with a $55 annual fee.

Finder Awards 2025 winner

If you want to cut interest costs and repay existing credit card debt faster, the St.George Vertigo Card offers 6.99% p.a. interest rate for the first 36 months on balance transfers (with no balance transfer fee) and a $55 annual fee, which is still on the lower end of the scale.

If you’re planning to shop with a credit card, the St.George Vertigo Card also gives you an interest rate of 13.99% p.a. for purchases when you carry a balance from month to month. This is much lower than the average standard credit card interest rate according to the RBA. But you should avoid spending on the card if you want to pay off your balance transfer in full before the 6.99% introductory period ends. Otherwise, a 21.99% p.a. interest rate will apply to any balance transfer debt that’s left after the 36-month introductory period.

Pros

6.99% p.a. on balance transfers for 36 months
A low $55 annual fee and 13.99% p.a. purchase rate
Shopping cashbacks through ShopBack

Cons

Balance transfer rate reverts to 21.99% p.a. after the introductory period
No rewards program, travel perks or insurance cover

Details

Product details

Product Name	St.George Vertigo Card
Balance transfer rate p.a.	6.99% for 36 months, then 21.99%
Balance transfer limit	80% of available limit
Purchase rate p.a.	Purchase rate p.a.13.99%
Interest-free days	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	$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

Congratulations, St.George!

The St.George Vertigo Card won Best Balance Transfer Credit Card in the 2025 Finder Awards.

Full list of 2025 winners

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 Card as a new cardholder.
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.

Residency. To apply for this card, you must be an Australian or New Zealand citizen, Australian permanent resident or hold a valid temporary residence visa with at least 1 year before expiry.
Age. You must be at least 18 years old to apply.
Existing customers. You must be an existing St.George customer to be eligible for the $0 first-year annual fee offer.

Required documents

Personal details. This may include your full name, contact information and proof of your identity such as your Australian driver's licence, Medicare card, passport, Australian birth certificate or NSW photo card.
Employment. This includes your role, the length of your employment and your employer's name and contact details.
Finances. You'll be asked to confirm your annual income, plus details of your savings, investment and assets.
Balance transfer information. If you're requesting a balance transfer, you'll need to provide details regarding the accounts you're moving it from and the size of debt you're transferring.

Card benefits

6.99% p.a. on balance transfers for 36 months. Apply, get approved, and include your balance transfer request as part of the application to get 6.99% p.a. on balance transfers for 36 months, with no balance transfer fee. Any remaining balance after the promotional period ends is subject to the cash advance rate, currently 21.99% 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.
First-year annual fee waiver for existing customers. Existing St.George customers can save with a $0 annual fee in the first year, which reverts to $55 p.a. thereafter.

Shopping cashbacks. Eligible St.George credit card holders can get cashbacks when they shop with their card on the online rewards platform ShopBack.
Competitive purchase rate. The variable interest rate on purchases is 13.99% p.a.
Free additional card. Request a secondary St.George Vertigo card for a family member without paying any additional fees.
Mobile payments. Use your phone or other compatible Apple, Android or Samsung devices to make tap and go payments. Simply add this balance transfer card to your Apple Pay, Google Pay or Samsung Pay wallet.

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 21.99% p.a.

Currency conversion fee. If you use the card overseas or with an international online retailer, you will be charged 3% of the Australian dollar value per transaction.
Interest-free period. This card offers you up to 55 days interest-free on new purchases when you pay your monthly payment balance listed on your statement in full by the payment due date. Note that these interest-free days are separate from any longer-term interest rate promotions and the monthly payment balance excludes current balance transfers.

Sources

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
1. St.George Vertigo Card information PDF
2. St.George Vertigo Card TMD

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muntasir

September 13, 2025

hi

i previously had the same card with balance transfer option, fully paid off and closed. would i be considered as a new card holder if i apply again?

Richard Whitten Finder

September 15, 2025

Hi Muntasir,

If you previously banked with St.George but closed your accounts and are no longer a customer you may qualify. I suggest contacting St.George directly with this enquiry.

Donna

June 16, 2025

I have two credit cards – Citi bank with balance of $10,000 and Gem Visa with balance of $6000. Would I be able to place both of those debts to the one card with 24mths interest free?

Richard Whitten Finder

June 19, 2025

Hi Donna,

That’s a good use of a balance transfer offer. However, the actual amount you can transfer to the new card is subject to St.George’s approval and depends on your credit limit and other factors.

I suggest contacting St.George about this question.

Renee

June 07, 2025

Can I do a balance transfer from an AMEX card?

Sarah Megginson Finder

June 09, 2025

Yes, typically St George allows balance transfers from Amex credit cards. You can learn more about balance transfers here.

Show more Show less

Janeen

April 19, 2025

Hi, I have previously had a StGeorge credit card and closed the account. Would it be considered a new application if I applied again?

Sarah Megginson Finder

April 23, 2025

Hi Janeen,

Yes, as you have previously closed the account, you would need to apply again as a new customer for this account.

Mea

January 26, 2025

Hi there I have a few credit cards open and I was wondering is it possible to transfer balance owing from multiple cards through to just 1 with you?

Angus Kidman Finder

January 27, 2025

Vertigo allows transfer of balances from up to 3 cards. Note that cards from Westpac, St.George, BankSA or Bank of Melbourne aren’t eligible.

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full profile

St.George Vertigo Card

Pros

Cons

Congratulations, St.George!

How to apply

Eligibility criteria

Required documents

Card benefits

Rates & fees

Sources

Sources

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