St.George Vertigo Platinum Credit Card – Rates and Fees

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With St.George Vertigo Platinum Card, you can consolidate your debts and cut on interest costs with its 0% p.a. balance transfer offer.

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 20 months balance transfer offer. Plus, you can make interest-free purchases for up to 55 days.

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 20 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.)12.74% p.a.
Offer end date20 September 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
Overseas Cash Advance Fee2% of each cash advance amount and all transfers
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 20 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

  • The St.George Platinum does not come with a built-in 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 20 months with this card when requested upon application. 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 20 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 20 September 2017 to take advantage of this offer.
      • Interest rate. This card has a low ongoing purchase rate of 12.74% p.a.
  • 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.
  • 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.

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

  1. Default Gravatar
    Nettie | May 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
      Liezl | May 29, 2017

      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.

  2. Default Gravatar
    Lesley | May 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
      Harold | May 29, 2017

      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

  3. Default Gravatar
    Adrian | January 20, 2017

    is there a fee on transfer amounts

    • Staff
      Anndy | January 20, 2017

      Hi Adrian,

      Thanks for your question.

      There is no balance transfer fee for St.George Vertigo Platinum Credit Card.

      Other credit cards with no balance transfer fee are listed here.

      Cheers,
      Anndy

  4. Default Gravatar
    Maria | December 28, 2016

    I already have Vertigo Platinum visa card and would like to use it to transfer a balance from another credit card using the offer 0% interest over 18 months. There is no fee on the transfer – is that right?
    Do I still need to submit an application form or could I just do it over the phone.

    • Staff
      Anndy | December 28, 2016

      Hi Maria,

      Thanks for your question.

      The promotional balance transfer rate for St. George Vertigo Platinum is available only when you apply for a new St.George Vertigo Platinum card between 30 September 2016 and 4 January 2017 and request at application to transfer balances. If you request a balance transfer at any other time, the variable purchase rate applies.

      If you proceed with the balance transfer, you can directly call St. George to make a request.

      Alternatively, you can compare other balance transfer cards on this page.

      Cheers,
      Anndy

  5. 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

  6. 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

  7. 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

  8. 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

  9. 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

  10. 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

Credit Cards Comparison

Rates last updated May 29th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
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
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 spent and receive an annual fee refund with minimum spend.
19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
NAB Premium Card
An introductory rate of 0% p.a. for 24 months on balance transfers combined with premium benefits such as travel insurance covers.
19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 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.

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