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St.George Vertigo Platinum Credit Card

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Save on interest with a 0% purchase rate offer for 15 months. Plus, enjoy a discounted $49 first year annual fee.

The St.George Vertigo Platinum is designed to help cardholders cut costs with an annual fee discount and purchase rate offer while giving access to platinum perks.

6.99% p.a.

Balance transfer rate

for 12 months

0% p.a.

Purchase rate

for the first 15 months (reverts to 12.99% p.a.)

$49 p.a.

Annual fee

for the first year ($99 p.a. thereafter)

55 days

Interest free period

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Product NameSt.George Vertigo Platinum
Balance transfer rate6.99% p.a. for 12 months
Balance transfer revert rateCash Advance Rate (21.49% p.a.)
Balance transfer limit80% of available limit
Purchase rate0% for 15 months, reverts to 12.99% p.a.
Annual fee$49 annual fee for the first year ($99 p.a. thereafter)
Interest-free period55 days
Cash advance rate21.49% p.a.
Min credit limit$6,000
Max credit limit$80,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsYes - Conditions apply
Joint applicationYes - Conditions apply


  • 0% p.a. on purchases for the first 15 months
  • $49 first year annual fee
  • Low purchase rate of 12.99% p.a.
  • Complimentary overseas travel insurance and purchase insurance covers


  • Platinum-tier card that does not offer a rewards program
  • Charges a 3% foreign currency conversion fee
Annual fee$49 annual fee for the first year ($99 p.a. thereafter)
Minimum monthly repayment2% of the closing balance or $10, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%
Cash advance fee2% or $2.50, whichever is greater
Overseas cash advance fee2% of the value of the transaction or minimum charge of $2.50
Additional cardholder fee$0
Number of additional cardholders3

Expert review

Sally McMullen

Review by

Sally McMullen is a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The St.George Vertigo Platinum credit card has one of the longer interest-free purchase rate offers on the market. You can enjoy additional savings through the discounted $49 first year annual fee. After the introductory purchase rate offer expires, the card charges interest at 12.99% p.a.

How to apply

You can apply for the St.George Vertigo Platinum online in around 10 minutes and can receive a response instantly. Before you apply, make sure you meet the eligibility criteria and organise the necessary documents:

Eligibility criteria

  • Residency. In order to apply online, you must be a permanent Australian resident or citizen.
  • Age. You must be at least 18 years old to apply.

Card benefits

  • $49 first year annual fee. When you apply and are approved for a new Vertigo Platinum card before 09 February 2021, you will save $50 with the discounted first year annual fee. This reverts to $99 per year in subsequent years.
  • 0% interest on purchases for 15 months. Apply and get approved by 09 February 2021 to save with a 0% p.a. interest rate for 15 months on new purchases. After the introductory period ends, you will be charged the interest at the purchase rate of 12.99% p.a.

Rates & fees

  • Annual fee. Outside of any promotions, this card charges a standard annual fee of $99.
  • Purchase rate. Outside of any introductory rates, this card charges a competitively low variable purchase rate of 12.99% p.a.

Ask an expert

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  1. Default Gravatar
    November 5, 2018

    Hi, I would like to make a joint application on this card, but when I go through only provided 1 x application. Can you please assist on how to process a joint application?

    • Avatarfinder Customer Care
      November 6, 2018

      Hello Christine,

      Thank you for your comment.

      For the joint application, after you click the Go to Site button above, you will be routed to the landing page of St.George, click Apply Now and please click Joint Account tab, then start filling out the form.

      If you’re still having the same issue, kindly ask assistance from a St.George support so they can walk you through the process.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


  2. Default Gravatar
    October 30, 2018

    If you balance transfer say $15K, what will the minimum monthly payment be i.e. is it a % of the total balance outstanding?

    • Avatarfinder Customer Care
      October 30, 2018

      Hi Nick B,

      Thank you for getting in touch with finder.

      This St.George Vertigo Platinum credit card’s minimum monthly repayment is 2% of the total outstanding balance or $10, whichever is greater. Please note that if you do a balance transfer with this card, there’s a one-time 2% balance transfer fee.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!


  3. Default Gravatar
    May 15, 2018

    I have purchased a cruise using my Vertigo Platinum card. Does this automatically insure my trip or do I have to notify them of the trip?

    • Default Gravatar
      Ash Munoz
      May 15, 2018

      Hi David,

      Thank you for visiting finder.

      You will be automatically covered for the Complimentary Overseas Travel Insurance once you have satisfied the following eligibility criteria:

      *You’re a Permanent Australian Resident
      *You used your St.George Vertigo Platinum Credit Card to spend at least $500 on your travel costs
      *Have a return overseas travel ticket before departure from Australia
      *You are not over 80 years old

      I hope this helps.

      Let us know if there is anything else that we may assist you with.


  4. Default Gravatar
    October 20, 2017

    I have a Go MasterCard, I like to transfer the full balance of $15000 as it has an annual rate of 29%. I have an immaculate credit rating and good income. Would there be any issues with the balance transfer of that amount? Also, do you close the other card on our behalf or is that our responsibility?

    • Avatarfinder Customer Care
      October 20, 2017

      Hi Chunky,

      Thanks for your inquiry. 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.

      It depends on the bank if they will approve you for that amount of balance transfer. You may check the eligibility criteria of the card then you may click on the ‘Go to Site’ button to direct you to the official site of the bank and submit an online application from there.

      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.


  5. Default Gravatar
    October 9, 2017

    is there a minimum income with a transfer of $8000

    • Default Gravatar
      October 9, 2017

      Hello Wendy,

      Thank you for your inquiry.

      The bank’s website and its application link both didn’t have an exact figure on how much annual income requirement is required. However, please take note that most card issuers require at least minimum of $15,000 gross annual income to be eligible.

      You may click “Go to Site” green button to continue with your application on the bank’s website. Usually, St.George will evaluate your overall financial position. The usual factors they consider are as follows:

      – Your employment type and history
      – Your credit report (held with an independent credit reporting agency), which contains a record of your financial history
      – Any previous/current account history you have with us
      – Whether or not, considering these and other factors, you’re able to service the credit card based on your overall financial position.

      Hope this helps.


  6. Default Gravatar
    October 2, 2017

    I have a credit card with 6000$ limit.I owe 3500$.The credit card has variable rate 13%.I try to pay the minimum amount every month and sometimes more.
    The problem is that i receive centrelink benefits now because i lost my job before 4 months.I am studying at the moment and its not easy to find work for the next 2 months.Is it a good solution to make balance transfer ?
    Can you please suggest me something good to be? better financial ?
    Many Thanks!!!

    • Default Gravatar
      October 3, 2017

      Hello Vicky,

      Thank you for reaching out to us about this.

      Please note that as finder is a comparison website and we do not represent any of the companies featured on our pages, I can only offer you general advice.

      As a recipient of Centrelink benefits, you may want to review this page to check on your options to pay off your credit card debt.
      Loans for the Unemployed
      Personal Loan FAQs

      From there, you can make a decision on how you may go about handling your credit card debt.

      All the best,

  7. Default Gravatar
    September 15, 2017

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

    • Avatarfinder Customer Care
      September 15, 2017

      Hi Nat,

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

      Hope that helps,

  8. Default Gravatar
    August 23, 2017

    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?

    • Default Gravatar
      August 24, 2017

      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.


  9. Default Gravatar
    August 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 ?

    • Avatarfinder Customer Care
      August 16, 2017

      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.


  10. Default Gravatar
    July 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.

    • Avatarfinder Customer Care
      July 28, 2017

      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.


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