St.George Vertigo Platinum Credit Card – Rates and Fees

Information verified correct on December 11th, 2016
St.George Vertigo Platinum Find out more Go to site

Don't worry, by clicking "Go to site" this won't leave a mark on your credit file. An enquiry will only appear on your file once you have submitted a credit card application.

What happens when I click Go to site?
  • Clicking Go to site will take you to your Online Application on the bank's website. You do not need to be an existing customer of this bank to apply.
  • Your application will typically take you no more than 10-15 minutes to complete
  • Once approved, you will typically receive your credit card within 1-2 weeks
Click here to start your application >>

Consolidate your debts with a 0% p.a. balance transfer offer and cut interest costs with an introductory purchase rate of 1% p.a. with the St.George Vertigo Platinum.

The St.George Vertigo Platinum Credit Card offers both platinum perks and opportunities to cut costs. Repay your debt quicker and cheaper with the 0% p.a. for 18 months balance transfer offer. Plus, you can make everyday purchases with a low interest for 12 months, thanks to the promotional 1% on purchases offer.

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 18 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Purchase Rate (12.74% p.a.)
Balance Transfer Limit95% of available credit limit
Purchase rate (p.a.)1% p.a. for 12 months (reverts to 12.74% p.a.)
Offer end date4 January 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%
Card TypeVisa
Late Payment Fee$9
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
Complimentary Travel Insurance Cover6 months
Available To Temporary ResidentsNo
Joint ApplicationYes
Minimum Age18 years of age
Available to Temporary ResidentsNo
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%
Late Payment Fee$9
Over Limit Fee$0
Cash Advance Fee2% of each cash advance amount and all transfers
Overseas Cash Advance Fee2% of each cash advance amount and all transfers
Overseas Emergency Replacement$52.50
Overseas ATM Balance check$0
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

  • There are lots of bonus insurance covers including: 'Extended Warranty', 'Price Guarantee' and 'Purchase Cover Insurance'.
  • An above average deal of only 0% interest charged on balance transfers for the first 18 months (you have to request this deal upon application)
  • This card also comes with a purchase offer of 1% p.a. for 12 months.

Cons

  • The St.George Platinum does not come with an in-built rewards program. For a Platinum level card, this is a disadvantage.

St.George Vertigo Platinum Credit Card review

St.George is offering a competitive balance transfer rate of 0% p.a. for 18 months with this card when requested upon application. Apply before 4 January 2017 and you can also take advantage of the 1% purchase offer for up to 12 months. Cardholders can also enjoy a range of complimentary insurance covers with this card, including overseas travel insurance and extended warranty insurance on purchases. This, coupled with a low ongoing purchase rate and up to 55 days interest-free on purchases, makes for a competitive offering.

Benefits of the St.George Vertigo Platinum Credit Card

      • Balance transfer offer. Repay your debt with a 0% p.a. for 18 months offer on balance transfers. 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 4 January 2017 to take advantage of this offer.
  • Purchase offer. 1% p.a. on purchases for the first 12 months means you can do your shopping with a low interest on purchases. You need to apply and be approved before 4 January 2017 to access this promotion.
  • 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.
  • 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 deal 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 a purchase if you find it cheaper within 21 days on eligible purchases.
  • Extended warranty insurance. This cover extends your warranty by up to 12 months on a manufacturer’s expressed Australian warranty.

Features of the St.George Vertigo Platinum Credit Card

Cardholders can enjoy a host of premium features with this card:

  • Annual fee. This card comes with an $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 24/7 Falcon monitoring and Verified by Visa provides protection when shopping in store and online.
  • Personal concierge service. Whether you need to make a dinner reservation at a restaurant, 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

To apply for the St.George Vertigo Platinum Credit Card you can follow the secure link on this page to apply online. The online application will take 10 to 15 minutes. Before you apply, though, 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
      • 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

While the St.George Vertigo Platinum Credit Card offers a number of beneficial features, it's important to compare your options before you apply.

Back to top
Was this content helpful to you? No  Yes

Ask a Question

You are about to post a question on finder.com.au

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

184 Responses to St.George Vertigo Platinum Credit Card – Rates and Fees

  1. Default Gravatar
    Lee | November 18, 2016

    Hi,
    Finder.com.au comparison page notes that the annual fee on this card is waived for the first year, but this fact is not mentioned again when I go to “more Info” on this card or go to the St George website via your link. Is this annual fee waive offer still current?

    • Staff
      May | November 18, 2016

      Hi Lee,

      Thank you for your inquiry.

      For this St.George Vertigo Platinum credit card, the annual of $99 p.a. is not waived for the first year, this is also confirmed on the website of St. George. The St. George credit cards that have annual fees waived for the first year are actually the following:

      St.George Amplify Platinum – $0 p.a. annual fee for the first year ($99 p.a. thereafter)
      St.George Amplify Signature – $0 p.a. annual fee for the first year ($279 p.a. thereafter)
      St.George Amplify Classic – $0 p.a. annual fee for the first year ($79 p.a. thereafter)

      Cheers,
      May

  2. Default Gravatar
    Joel | November 10, 2016

    Hi after the 18month interest free balance transfer period ends what is the interest rate changed on the remaining balance?

    • Staff
      Anndy | November 10, 2016

      Hi Joel,

      Thanks for your questions.

      After 18 months, any remaining balance on the transferred amount will incur an interest rate of 12.74% p.a.

      Cheers,
      Anndy

  3. Default Gravatar
    cass | November 9, 2016

    I have a GEM VISA card with GE Credit and a Suncorp credit card which I want to combine. Does St George allow balance transfers from these creditors. Thanks

    • Staff
      Anndy | November 9, 2016

      Hi Cass,

      Thanks for your question.

      Yes, you can move your balances to a St. George balance transfer credit card as long as your approved credit limit allows it.

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

      Cheers,
      Anndy

  4. Default Gravatar
    | September 25, 2016

    Trying to get onto the application page for St George Bank and its not coming up are they closed on Sundays.

    • Staff
      Jonathan | September 26, 2016

      Hi Mark, thanks for your inquiry!

      The online application is active 24/7. If you have any further difficulties accessing your online application please let us know and we’ll look into it for you.

      Cheers,

      Jonathan

  5. Default Gravatar
    | September 12, 2016

    Hi there.

    I am wondering if I can transfer an amount from a Westpac Credit card over to a St George card? (provided I pass the credit assessment?)

    • Staff
      Anndy | September 13, 2016

      Hi Archer,

      Thanks for your question.

      Yes, it is possible to transfer your Westpac credit card balance to a St.George credit card.

      Cheers,
      Anndy

  6. Default Gravatar
    Sam | September 8, 2016

    Hi,

    I have $37000 debt on CBA credit card. My wife and I just apply for St.George Vertigo platinum 0% balance transfer. But they approved $14250.

    Would you please tell what is the best option to my remaining debt ($22750).

    Thanks & regards,
    Sam

    • Staff
      Ysa | September 20, 2016

      Hi Sam,

      Thanks for your question.

      Please note that you have come through finder.com.au, an online comparison website and is not in the position to recommend specific products, issuers and services to you, as the best option will always depend on your individual financial needs and situation.

      However, you may wish to check our guide on debt consolidation for an insight on how you can manage and repay your debts faster.

      I hope this helps.

      Cheers,
      Ysa

  7. Default Gravatar
    Annabel | September 6, 2016

    Hi,

    Does this card cover unexpected cancellation fee on domestic travels?

    Regards
    Annabel

    • Staff
      May | September 7, 2016

      Hi Annabel,

      Thanks for your question.

      Yes, QBE Insurance will reimburse for unexpected cancellation of travel plans, provided that the reason for cancellation is due to one of the following events: natural disaster, if something happens to your travelling companion, or if you become ill after purchasing your ticket but before leaving the country.

      You may find the guide to the complimentary travel insurance attached to your St.George Vertigo Platinum credit card on this page.

      Hope this helps.

      Cheers,
      May

  8. Default Gravatar
    MrsRanx | August 30, 2016

    I have been pre-approved for a $9000 limit on this card. I wish to transfer the balance of 2 other existing credit cards, however the combined balance exceeds the limit approved.
    Do I need to balance transfer the full amount on the other card (one can be done, but there is not enough limit left to transfer the full amount owing on the other), or can $x amount be transferred to the St George card up to the BT limit?

    • Staff
      May | August 30, 2016

      Hi MrsRanx,

      Thank you for your inquiry.

      For the St.George Vertigo Platinum Credit Card, you are allowed to transfer a balance up to 95% of your approved credit limit. So for a $9,000 credit limit, you can transfer up to $8,550.00.

      Cheers,
      May

    • Default Gravatar
      MrsRanx | August 31, 2016

      Thanks May, but that was not what I was asking.

      When performing a balance transfer from one card to another, does the entire amount need to be transferred, or can it be x amount?

      For example – card 1 has a balance of $6000 owing, and card 2 to a balance of $5000 owing (combined total of $11000 owing). Can the entire balance of card 1 be transferred to the St George card, and only a percentage of the balance of card 2?

    • Staff
      May | August 31, 2016

      Hi MrsRanx,

      Thanks for getting back and I’m sorry if I was not clear in my answer the first time.

      To clarify, transferring balances from more than one credit card to a new single card is actually allowed, provided that the total amount you will be transferring (combined amount) should not exceed your approved credit limit.

      So for your given example, yes, you can transfer the whole balance from card 1 and a percentage of the balance from card 2 to the St.George Vertigo Platinum Credit Card, so long that the total amount you will be transferring from both cards shall not exceed $8,500 or 95% of your pre-approved $9000 credit limit.

      I hope this has answered your question.

      Cheers,
      May

  9. Default Gravatar
    Brad | August 14, 2016

    Hi, I am a current Bank SA customer and would like to transfer an amount of $5200 over to this card, is this possible as I believe Bank SA and St George are one of the same?

    • Staff
      Anndy | August 15, 2016

      Hi Brad,

      Thanks for your question.

      Unfortunately, balance transfers between Bank SA and St George credit cards are not allowed.

      Cheers,
      Anndy

  10. Default Gravatar
    wyk | July 26, 2016

    Hi, I just want to know if there is any income requirement to apply this card?

    • Staff
      May | July 26, 2016

      Hi WYK,

      Thank you for your inquiry.

      Yes, for St.George Vertigo Platinum Credit Card, you will need to provide your income and employment details and documents as well as financial commitments.

      Basically, St. George would need:
      - Weekly income after tax
      - Details of your assets, savings and investments
      - Recent tax information if you are self-employed

      Cheers,
      May

Credit Cards Comparison

Rates last updated December 11th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

Ask a question
feedback