St.George Vertigo Platinum Credit Card Review | Finder

St.George Vertigo Platinum Credit Card

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Save with a low 12.99% interest rate on purchases and enjoy complimentary travel insurance with the Vertigo Platinum credit card.

The St.George Vertigo Platinum has a competitive 12.99% purchase interest rate and offers up to 55 interest-free days on purchases if you pay closing balance in full by the due date on each statement.

6.99% p.a.

Balance transfer rate

for 12 months

12.99% p.a.

Purchase rate

$99 p.a.

Annual fee

55 days

Interest free period

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Details

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 rate12.99% p.a.
Annual fee$99
Interest-free periodUp to 55 days on purchases
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

Pros

  • Low purchase rate of 12.99% p.a.
  • Complimentary overseas travel insurance and purchase insurance covers
  • Compatible with Apple Pay, Google Pay and Samsung Pay

Cons

  • Platinum-tier card that does not offer a rewards program
  • Charges a 3% foreign currency conversion fee
Bonus pointsN/A
Annual fee$99
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. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally 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 is a combination of low-cost features and platinum perks. It's current 12.99% p.a. purchase rate is competitive with other low interest rate credit cards in Australia.

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

  • Purchase rate. This card charges a competitively low variable purchase rate of 12.99% p.a.
  • Overseas travel insurance cover. You and your family will be covered for hospital and medical expenses, unexpected trip cancellation and rental vehicle excess for up to 6 months when you put at least $500 of your prepaid travel costs on your St.George Vertigo Platinum card.

Rates & fees

  • Annual fee. This card charges a standard annual fee of $99.
  • Cash advances. The St.George Vertigo Platinum charges a variable cash advance rate of 21.49% p.a. Cash advance transactions are also subject to a fee of 2% of the transaction amount ($2.50 minimum, capped at $150).

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222 Comments

    Default Gravatar
    Christine
    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
      Jhez
      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.

      Regards,
      Jhezelyn

    Default Gravatar
    Nick
    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
      Jeni
      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!

      Cheers,
      Jeni

    Default Gravatar
    David
    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.

      Cheers,
      Ash

    Default Gravatar
    Chunky
    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
      Rench
      October 20, 2017

      Hi Chunky,

      Thanks for your inquiry.

      It depends on the bank if they will approve you for that amount of balance transfer.

      Keep in mind that banks only allow you to transfer up to a percentage of your approved credit limit. Usually, you can transfer between 70% and 100% of the new card’s approved credit limit, although this varies between card issuers. For example, if a card allows you to transfer 80% of your credit limit and you’re approved for a $5,000 limit, you’d be able to balance transfer $4,000 worth of debt. Check out our guide on how the balance transfer limit works for more details.

      After you transfer your balance to your new credit card, your old card account remains open. The only difference is the balance is reduced, assuming your transfer was successful. If you want to close your old card, refer to our guide on how to cancel your Australian credit card.

      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. Make sure to review the relevant Product Disclosure Statements/Terms and Conditions before applying.

      I hope this information has helped.

      Cheers,
      Rench

    Default Gravatar
    Wendy
    October 9, 2017

    is there a minimum income with a transfer of $8000

      Default Gravatar
      Jonathan
      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 the “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.

      Make sure these eligibility criteria are met and please review the relevant Product Disclosure Statements/Terms and Conditions before applying.

      Hope this helps.

      Cheers,
      Jonathan

    Default Gravatar
    Vicky
    October 2, 2017

    Hi,
    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
      Gru
      October 3, 2017

      Hello Vicky,

      Thank you for reaching out to Finder.

      If you are looking to get your credit card debt under control with a card that charges no interest for a promotional period, then you may consider opening a balance transfer credit card. See our guide to the balance transfer process to know how it works. Keep in mind that most cards have a minimum income requirement that begins at $15,000 yearly. Premium cards have much higher income requirements. Also, all cards require that you have a good credit history and credit score.

      If you think that a balance transfer credit card is right for you, the link above has a comparison table you can use to see which card suits you. Once you have chosen a particular card, you may then click on the “Go to site” button and you will be redirected to the bank’s website where you can proceed with your application or get in touch with their representatives for further assistance.

      Otherwise, you may take out a loan to repay your credit card balance. See our Centrelink loan options for more details.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

      If a balance

      All the best,
      Gru

    Default Gravatar
    Nat
    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
      Joanne
      September 15, 2017

      Hi Nat,

      Thanks for reaching out to Finder.

      According to our review, a cash advance is a type of transaction that allows you to access funds in the form of cash or a “cash equivalent”. Three common examples are:

    • Withdrawing money from an ATM
    • Buying gift cards or travel money
    • Gambling
    • You don’t get penalised for repaying more each month. You can also review your card’s Product Disclosure Statements/Terms and Conditions for more details.

      Hope that helps,
      Joanne

    Default Gravatar
    Mel
    August 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

      Default Gravatar
      Arnold
      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.

      Cheers,
      Arnold

    Default Gravatar
    Budini
    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
      May
      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.

      Cheers,
      May

    Default Gravatar
    Miss
    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
      Harold
      July 28, 2017

      Hi Tiff,

      Thank you for your inquiry.

      Yes, you can always cancel your card anytime provided that you don’t have an existing balance anymore. Please be sure to consider how closing a credit card would affect your credit score. You may unknowingly hurt your score when you close the credit card. So, be sure to read more about that. Please feel free to read more as well about how to cancel a credit card.

      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

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