St.George Vertigo Platinum Credit Card – Rates and Fees

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Consolidate your debts and save on interest with a 0% p.a. balance transfer offer for 24 months with the St.George Vertigo Platinum Card.

The St.George Vertigo Platinum Credit Card offers both platinum perks and opportunities to cut costs. If you have existing credit card debt, you can save on interest costs and pay it off faster with the 0% p.a. for 24 balance transfer offer, which includes a one-time 2% balance transfer fee.

You can also shop with peace of mind courtesy of complimentary insurance covers and a personal concierge service. If you're looking to take advantage of platinum features while keeping your card costs low, you can compare the fees, features and benefits of this card below.

Product NameSt.George Vertigo Platinum
Balance transfer rate (p.a.)0% p.a. for 24 months with 2% balance transfer fee
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Cash Advance Rate (21.49% p.a.)
Balance Transfer Limit95% of available credit limit
Purchase rate (p.a.)12.74% p.a.
Offer end date22 November 2017
Annual fee$99 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 55 days on purchases
Cash advance rate (p.a.)21.49% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$6,000
Max credit limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$80,000
Minimum Monthly Repayment2% or $10, whichever is greater
Card TypeVisa
Late Payment Fee$15
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Complimentary Travel InsuranceYes
Available To Temporary ResidentsYes - Conditions apply
Joint ApplicationYes
Minimum Age18 years of age
Available to Temporary ResidentsYes - Conditions apply
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$6,000
Max Credit Limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$80,000
Annual Fee$99 p.a.
Minimum Repayment2% or $10, whichever is greater
Late Payment Fee$15
Over Limit Fee$0
Cash Advance Fee2% of each cash advance amount and all transfers with a minimum of $2.50
Overseas Cash Advance Fee2% of each cash advance amount and all transfers with a minimum of $2.50
Overseas Emergency Replacement$52.50
Overseas ATM Withdrawal Fee$5
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Gambling Transactions AllowedYes
Gambling Transactions Interest RateCash Advance Rate
Additional Cardholder Fee$0 p.a.
Number of Additional Cardholders3
BPAYYes
ChequeYes
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes

Pros

  • Take advantage of 0% p.a. interest charged on balance transfers for the first 24 months (you have to request for this deal upon application).
  • This card features a low ongoing variable purchase rate of 12.74% p.a.
  • There are lots of bonus insurance covers including: Extended Warranty, Price Guarantee and Purchase Cover Insurance.

Cons

  • This is a platinum-tier card that does not come with a rewards program.
  • A one-time balance transfer fee of 2% applies.

St.George Vertigo Platinum Credit Card review

If you're looking to pay off your credit card debt, the St.George Vertigo Platinum offers you 0% p.a. on balance transfers for 24 months with a one-time 2% balance transfer fee. To make use of this competitive offer, you'll need to request the balance transfer at the time of your application, with the option of transferring up to three debts from any store, charge or credit cards – as long as they're not issued by St.George, Bank of Melbourne or BankSA.

If you're planning to make new purchases, the St.George Vertigo Platinum offers a low ongoing variable rate of 12.74% p.a. for purchases. You can also enjoy a range of complimentary insurance covers with this card, including overseas travel insurance and extended warranty insurance on purchases.

Benefits of the St.George Vertigo Platinum Credit Card

      • Balance transfer offer. Repay your debt with a 0% p.a. for 24 months offer on balance transfers with a one-time 2% balance transfer fee. Read our step-by-step guide to balance transfers with St.George for tips when moving your debt to your new card. Cardholders must apply before 22 November 2017. Any remaining balances at the end of the promotional period is subject to the cash advance rate.
  • Overseas travel insurance cover. You and your family will be covered for medical expenses, unexpected trip cancellation and rental vehicle excess for up to 6 months when you book your trip using your card.
  • Domestic flight inconvenience insurance. You and your family will be covered for interstate holidays of up to 14 days for delays, rental car excess and loss or damage to personal items.
  • Overseas transit insurance cover. You’ll be covered in the event of accidental death or injury when travelling outside of Australia.
  • Price guarantee cover. When you make a new purchase using your card you’ll be covered against theft, loss or damage.
  • Purchase cover insurance. This cover allows you to claim the difference in price back on an eligible purchase if you find it cheaper within 21 days.
  • Extended warranty insurance. This cover extends your warranty by up to 12 months on a manufacturer’s expressed Australian warranty.
  • Interest-free days. If you pay your balance in full each month, you can enjoy up to 55 interest-free days on purchases, giving you more time to pay off your purchases before incurring interest.

Features of the St.George Vertigo Platinum Credit Card

Here are the other key features to consider when you're comparing the St.George Vertigo Platinum with other options.

  • Annual fee. This card comes with a $99 annual fee, which is relatively low compared to other platinum credit cards.
  • Interest rate. This card has a low ongoing purchase rate of 12.74% p.a.
  • Additional cardholders. For no extra cost you can add up to 3 additional cardholders to your account, giving you flexibility with how you spend.
  • Security. St.George offers you a 24/7 fraud monitoring and Verified by Visa provides protection when shopping in store and online.
  • Personal concierge service. Whether you need to make a dinner reservation, find tickets to a sold out concert or send a gift to someone, you can get in touch with your personal concierge when in Australia or overseas for 24/7 assistance.

How to apply for a St.George Vertigo Platinum Credit Card

Applying for the St.George Vertigo Platinum Credit Card takes around 10 minutes online. Before you apply, make sure you meet the eligibility criteria and organise the necessary documents:

Eligibility criteria

      • You’ll need to be over the age of 18
      • Applicants must be permanent Australian residents
      • A good credit history

Required documents

To ensure the application process goes smoothly, have the following information handy:

      • Driver’s licence number
      • Weekly income after tax
      • Details of your assets, savings and investments
      • The repayment amounts and balances owing on any liabilities
      • Recent tax information if you are self-employed

The St.George Vertigo Platinum Credit Card offers a number of beneficial features, including a low ongoing purchase rate and complimentary insurance. Weigh up the benefits and costs of this card when you're comparing your options so you can find a credit card that suits your needs.

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210 Responses

  1. Default Gravatar
    NatSeptember 15, 2017

    Silly Question – Can someone please advise what is a ‘cash advance rate? ‘ Do you get penalised for paying more each month?

    • Staff
      JoanneSeptember 15, 2017Staff

      Hi Nat,

      Thanks for reaching out.
      To get a better understanding of cash advance rates, please refer to this link .

      Hope that helps,
      Joanne

  2. Default Gravatar
    MelAugust 23, 2017

    Hi
    I recently paid for overseas holiday flights on the card I am thinking of transferring, would I be cover by the travel insurance included with this card?
    Thanks

    • Staff
      ArnoldAugust 24, 2017Staff

      Hi Mel,

      Thanks for your inquiry.

      In general, to receive the complimentary travel insurance included with a credit card you must pay for the travel with that credit card.

      Hope this information helped.

      Cheers,
      Arnold

  3. Default Gravatar
    BudiniAugust 16, 2017

    can you explain what Purchase Rate (12.74% p.a.) means ? does it mean 12.74% will be charged annually on balance transfers ?

    • Staff
      MayAugust 16, 2017Staff

      Hi Budini,

      Thank you for your inquiry.

      The Purchase Rate of 12.74% p.a. means it is the revert rate that will be charged to your remaining outstanding balance if you’re not able to fully pay your balance transfer amount after 20 months of 0% interest. If you do not want to be charged 12.74% on your balance transfer, you’d be best to pay off your balance before the 20-month period ends.

      Cheers,
      May

  4. Default Gravatar
    MissJuly 27, 2017

    If I pay the debt off quicker than the 20mths can I then cancel the card so I don’t have to pay the annual fee.

    • Staff
      HaroldJuly 28, 2017Staff

      Hi Tiff,

      Thank you for your inquiry.

      Should you need a guide in cancellation of your existing credit card. The guide on this page might be helpful for you. It would be nice to check when your credit card annual fee will be charged and whether or not this will affect your final payments when you plan to close your account.

      I hope this information has helped.

      Cheers,
      Harold

  5. Staff
    RenchJuly 17, 2017Staff

    Hi Fiona,

    Thanks for reaching out to us. Please note that we are not affiliated with St. George or any company we feature on our site and so we can only offer you general advice.

    With St. George, you can’t transfer a balance from a credit card issued by St.George, Bank of Melbourne and BankSA.

    Kind regards,
    Rench

  6. Default Gravatar
    RachelJuly 10, 2017

    Hi,
    I would like to transfer balances from 5 cards. 1 is in joint names, 3 are in my husbands name only and the remaining is in my name only. So my question is am I able to transfer the balance from my husbands cards? Does this have to be a joint application or can I apply in my name only.
    Thanks

    • Staff
      JonathanJuly 12, 2017Staff

      Hi Rachel!

      Thanks for the inquiry! :)

      Yes, some card issuers may allow you to transfer your husband’s debt towards your name alone. Take note that some arrangements may be required such as having your husband as an “additional cardholder”. Also, take note that most balance transfer cards can only accept up to 80% of their approved limits.

      You can check our guide on this page about transferring debt from your partner. This also contains the list of lenders that you may consider for.

      Hope this helps.

      Cheers,
      Jonathan

  7. Default Gravatar
    JessicaJuly 7, 2017

    Is the annual fee for this card charged in advance (for the year to come), or at the end of the year just finished? Thanks.

    • Staff
      JonathanJuly 8, 2017Staff

      Hi Jessica!

      The annual fee is usually charged in the month of your Card Membership anniversary. :)

      Hope this helps.

      Cheers,
      Jonathan

    • Default Gravatar
      July 11, 2017

      Thanks Jonathan, but would this charge be at the start when I opened the card (therefore I’m paying in advance for the year that is to follow). OR am I paying this charge at the end of my first year (therefore for year that had just ended)?

      The situation is I have just had to cancel the card after having it for many years due to fraudulent activity on the card at least 2-3 times per year (meaning every time this happens the card is cancelled, re-issued, then I have all the admin of updating my details everywhere… yes, annoying). Anyway the annual fee was charged in Feb 2017, but only when I questioned it was I told that it’s charged for the year that has ended, therefore I’m not entitled to a refund, if anything I might actually be charged pro-rata for these last few months between the Feb charge and the July cancellation! It all sounds very shady, and not one piece of collateral can confirm how annual fees actually work! The St George staff I spoke with were unsure themselves at first but as soon as they understood my line of questioning, all of a sudden the tables turned and I’m told the annual fee is definitely charged at the end of each year and if anything I might be charged for the few months outstanding.

      I actually don’t mind either way, but I’m flabbergasted that they can’t prove their point (and I haven’t kept statements from all those years ago to cross check it myself – we are talking 10+ years ago I opened the card).

      What do you think?

    • Staff
      JonathanJuly 13, 2017Staff

      Hello Jessica!

      Thanks for getting back! I agree that these things can be a bit confusing.

      It should be at the end of your first year (anniversary), the first month of the second year in other words. As for your question about how annual fees work, they are billed by card issuers as a “ticket” for your perks on the card such as points, flights or cashback and etc. (whichever applies, I am talking in general) for the year that passed regardless if you’ve used these benefits or not.

      Now for the refund, it is a bit odd for them to tell that it can’t be reversed because the year which it is based on “has passed”. This is really when they show up on your bills! :). But please take note, the card issuers Terms and Conditions usually mention that any card fees (including annual fees) are payable to them. Therefore, any rejected request for reversal is not violating any of the agreement they have with you, when they issued your card. When they approve such request, it is usually through courtesy reasons.

      You may consider checking out no annual fee cards on our page to see if you’d see anything that may interest as an alternative. These cards may also be eligible for a balance transfer, so please read the existing offers listed on their individual pages.

      Hope this clarifies.

      Cheers,
      Jonathan

  8. Default Gravatar
    GerardJune 3, 2017

    can a business apply for balance transfer card

    • Staff
      JonathanJune 3, 2017Staff

      Hi Gerard!

      Thanks for your inquiry.

      Absolutely! Most issuers allow balance transfer for business credit cards, subject to bank’s credit policies. You may check them out in this page for your convenience. Take note that unlike personal credit cards, business credit cards usually have a balance transfer rate applicable at the beginning.

      Click “Go to Site” green button to proceed with your application.

      Hope this clarifies.

      Cheers,
      Jonathan

  9. Default Gravatar
    NettieMay 28, 2017

    I have a vertigo platinum card with a transferred balance and 0% interest for another 8 months.
    If I use the card for purchases the interest rate is 12.74%.
    Questions:
    - If I purchased something worth $1000 and then made a payment of $1000 within the 55 days free interest period, how is the payment treated across the 0% and 12.74% items.
    - Does the $1000 payment come off the 0% interest item only or is it straight off the 12.74% purchase meaning no interest is charged on the $1000 purchased item?

    • Staff
      LiezlMay 29, 2017Staff

      Hi Nettie,

      Thanks for your question.

      With balance transfer credit cards, your repayments will automatically go to whichever debt is collecting the highest interest. So if you use your card for purchases, your payments will go towards your purchases which attract 12.74% interest. However, you have to note that interest-free days are only active if you’re not carrying a balance at the end of the statement period, which for your case is not applicable since you have a remaining balance transfer. You may want to refer to our balance transfer guide here for more information.

      I hope this helps.

      Cheers,
      Liezl

    • Default Gravatar
      May 29, 2017

      Thanks Leizl, that helps a lot.

  10. Default Gravatar
    LesleyMay 26, 2017

    Can I positively load my St George Vertigo Platinum Credit Card so I can pay an overseas holiday that exceeds my credit limit thus access the travel insurance?

    • Staff
      HaroldMay 29, 2017Staff

      Hi Lesley,

      Thank you for your inquiry.

      You may want to check our guide that might help you through this page.

      I hope this information has helped.

      Cheers,
      Harold

Credit Cards Comparison

Rates last updated September 25th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 24 months
$90 p.a.
Until 1 October 2017, exclusive to finder.com.au, enjoy a no BT fee, balance transfer offer with platinum privileges, including travel insurance.
St.George Vertigo Visa
13.24% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$55 p.a.
Receive up to 55 days interest-free on purchases and the ability to make contactless payments with Visa payWave technology.
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 18 months
$129 p.a.
Earn 3 bonus Velocity Points per $1 for the first 3 months, a first year annual fee refund and a yearly $129 Virgin Australia Gift Voucher.
St.George Vertigo Platinum
12.74% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$99 p.a.
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.

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