St.George Vertigo Platinum Credit Card

Consolidate your debt and save on interest with a 0% balance transfer offer for 26 months. Plus, enjoy a $0 first year annual fee.

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

You can clear your existing credit card debt and save on interest with the 0% p.a. for 26 months balance transfer offer (a one-time 2% balance transfer fee applies). You will also save with the $0 first year annual fee, which reverts to $99 p.a. thereafter.

You can travel and shop with peace of mind courtesy of complimentary insurance covers and a personal concierge service.

Product NameSt.George Vertigo Platinum
Balance transfer rate0% p.a. for 26 months with 2% balance transfer fee
Balance transfer revert rate
The interest rate that will apply to any remaining balance after the balance transfer term ends.
Cash Advance Rate (21.49% p.a.)
Balance Transfer Limit80% of available credit limit
Purchase rate (p.a.)12.99% p.a.
Offer end date22 May 2019
Annual fee$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Interest Free Period
The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date.
Up to 55 days on purchases
Cash advance rate (p.a.)21.49% p.a.
Min credit limit
This is the lowest credit limit you can be granted. It is possible to request a higher credit limit but not a lower one than this figure.
$6,000
Max credit limit
This is the maximum credit limit available on this card and you can apply for increases after the account has been opened. This credit limit may not be issued to you immediately upon application.
$80,000
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Charged when you make a transaction that is converted by Visa 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
Minimum Age18 years of age
Available To Temporary ResidentsNo
Joint ApplicationYes
Annual fee$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Minimum Monthly Repayment2% or $10, whichever is greater
Late Payment Fee$15
Foreign Currency Conversion Fee (VISA)
Charged when you make a transaction that is converted by Visa 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
Cash Advance Fee2% of each cash advance amount (minimum of $2.50 capped at $150 per transaction)
Overseas Cash Advance Fee2% of each cash advance amount (minimum of $2.50 capped at $150 per transaction)
Gambling Transactions AllowedYes
Additional Cardholder Fee$0
Number of Additional Cardholders3

Pros

  • Take advantage of 0% p.a. interest charged on balance transfers for the first 26 months.
  • Save with a $0 annual fee for the first year.
  • A low variable purchase rate of 12.99% p.a.
  • Access to a wide range of insurance covers including Overseas Travel, 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.
  • Balance transfer reverts to cash advance rate after the introductory period.

Benefits of the St.George Vertigo Platinum

  • $0 first year annual fee. When you apply and are approved for a new Vertigo Platinum card before 22 May 2019, the first year's annual fee will be waived, saving you $99.
  • Balance transfer offer. Repay your debt with a 0% p.a. interest rate for the first 26 months on balance transfers with a one-time 2% balance transfer fee if you apply before 22 May 2019. Read our step-by-step guide to balance transfers with St.George for tips when moving your debt to your new card. Any remaining balance at the end of the promotional period is subject to the variable cash advance rate. You can transfer a minimum of $200 worth of balances from up to 3 non-St.George, BankSA or Bank of Melbourne cards up to 80% of your available credit limit.
  • 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.
  • Domestic flight inconvenience insurance. You and your family will be covered for interstate holidays of up to 14 days for delays, rental vehicle excess and loss or damage to personal items.
  • Purchase insurance. When you make a new purchase using your card, you'll be covered against theft, loss or damage for up to 4 months.
  • Price guarantee cover. This cover allows you to claim the difference in price back on an eligible purchase if you find it cheaper within 21 days, up to $300.
  • Extended warranty insurance. This cover extends your warranty by up to 12 months on a manufacturer's expressed Australian warranty.
  • 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.

Features of the St.George Vertigo Platinum

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

  • Annual fee. This card charges a standard annual fee of $99 p.a., which is competitive compared to other platinum credit cards.
  • Purchase rate. This card has a low variable purchase rate of 12.99% p.a.
  • Cash advance rate. The St.George Vertigo Platinum has a variable cash advance rate of 21.49% p.a. Note that this interest rate will apply to any debt remaining from your balance transfer at the end of the introductory period.
  • 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.
  • Additional cardholders. For no extra cost, you can add up to 3 additional cardholders to your account, giving you flexibility with how you spend.

How to apply for a St.George Vertigo Platinum

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

Eligibility criteria

  • Must be at least 18 years of age
  • Be a permanent Australian resident
  • Have a good credit history

Required documents

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

  • At least two of the following: Driver's licence, Medicare card, Passport, Australian birth certificate or NSW photo card
  • Your primary income details
  • Details of your assets, savings, investments and expenses
  • The repayment amounts and balances owing on any liabilities
  • Recent tax information if you are self-employed

The St.George Vertigo Platinum offers a number of beneficial features, including a balance transfer offer, a $0 first year annual fee, a low variable 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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222 Responses

  1. Default Gravatar
    ChristineNovember 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?

    • finder Customer Care
      JhezNovember 6, 2018Staff

      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

  2. Default Gravatar
    NickOctober 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?

    • finder Customer Care
      JeniOctober 30, 2018Staff

      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

  3. Default Gravatar
    DavidMay 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
      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

  4. Default Gravatar
    ChunkyOctober 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?

    • finder Customer Care
      RenchOctober 20, 2017Staff

      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.

      Cheers,
      Rench

  5. Default Gravatar
    WendyOctober 9, 2017

    is there a minimum income with a transfer of $8000

    • Default Gravatar
      JonathanOctober 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.

      Cheers,
      Jonathan

  6. Default Gravatar
    VickyOctober 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
      GruOctober 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,
      Gru

  7. 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?

    • finder Customer Care
      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

  8. 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

    • Default Gravatar
      ArnoldAugust 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

  9. 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 ?

    • finder Customer Care
      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

  10. 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.

    • finder Customer Care
      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

Credit Cards Comparison

Rates last updated April 27th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
0% p.a. for 18 months
$50 p.a.
Earn 20,000 bonus Velocity Points and save with an ongoing $50 p.a. annual fee. Plus, receive a $129 Virgin Australia Gift Voucher each year.
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.

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* 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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