St.George Vertigo Platinum Credit Card

Last updated: May 26, 2020

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.

You can save on interest costs with 0% p.a. interest on new purchases for the first 15 months. You will also save $50 with a discounted $49 first year annual fee ($99 p.a. thereafter).

The Vertigo Platinum enables you to travel and shop with peace of mind courtesy of a range of complimentary insurance covers.

Terms and conditions apply

Find out more Go to site

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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Details

Product Name	St.George Vertigo Platinum
Balance transfer rate	6.99% p.a. for 12 months
Balance transfer revert rate	Cash Advance Rate (21.49% p.a.)
Balance transfer limit	80% of available limit
Purchase rate	0% for 15 months, reverts to 12.99% p.a.
Annual fee	$49 annual fee for the first year ($99 p.a. thereafter)
Interest-free period	55 days
Cash advance rate	21.49% p.a.
Min credit limit	$6,000
Max credit limit	$80,000
Card type	Visa
Foreign currency conversion fee	3%

Available to temporary residents	Yes - Conditions apply
Joint application	Yes - Conditions apply

Pros

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

Cons

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 repayment	2% of the closing balance or $10, whichever is greater
Late payment fee	$15
Foreign currency conversion fee	3%
Cash advance fee	2% or $2.50, whichever is greater
Overseas cash advance fee	2% of the value of the transaction or minimum charge of $2.50
Additional cardholder fee	$0
Number of additional cardholders	3

Go to St.George Bank's site More info

Expert review

Review by

Sally McMullen

sally.mcmullen@finder.com.au

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.

This platinum product also offers complimentary overseas travel and medical insurance, purchase insurance and extended warranty insurance. While you won’t earn rewards for your spending, the Vertigo Platinum offers plenty of value for a competitive annual fee.

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.

Credit history. You must have a good credit score and history to apply.
Balance transfer. If there is a balance transfer rate available and you plan to transfer a debt, St.George allows you to transfer from $200 up to 80% of your available credit limit from up to three Australian-issued cards not from St.George, Bank of Melbourne or BankSA.

Required documents

Personal details. This includes your full name, email address, date of birth, driver's licence number, marital status, number of dependents and contact number.
Proof of identification. At least two of the following: Driver's licence, Medicare card, Passport, Australian birth certificate or NSW photo card.
Finances. You'll need to include your primary income details, as well as information regarding your assets, savings, investments and expenses. This includes the repayment amounts and balances owing on any liabilities.
Employment. You'll need to include your employer's name and contact details. If you're self-employed, you'll need to include recent tax information.
Balance transfer details. If there is a balance transfer rate available and you plan to transfer a debt(s), you'll be asked to list how much debt you're applying to transfer as well as details regarding the account(s) you're moving it from.

Go to St.George's site More info

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.

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.
Balance transfer offer. Save on interest costs when paying off existing debt with 6.99% p.a. balance transfer offer for up to 12 months with no balance transfer fee. Any remaining balance after the promotional period ends is subject to the cash advance rate.
Mobile payment technology. By adding this card to your Apple Pay, Google Pay or Samsung Pay wallet, you can easily make tap and go payments straight from your phone or other eligible devices.

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.

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).
Interest-free days. When you pay your monthly payment balance in full, which excludes current balance transfers, listed on your statement by the payment due date, you will receive up to 55 days interest-free on new purchases. Note that interest-free days are separate from any longer-term interest rate promotions.
Foreign currency conversion fee. Transactions made in a foreign currency are subject to a fee of 3% of the Australian dollar value.
Additional cardholders. For no extra cost, you can add up to 3 additional cardholders to your account.

Go to St.George's site More info

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222 Comments

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?

Reply
- finder 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
  
  Reply
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?

Reply
- finder 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
  
  Reply
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?

Reply
- 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
  
  Reply
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?

Reply
- finder Customer Care
  
  Rench
  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.
  
  Cheers,
  Rench
  
  Reply
Wendy
October 9, 2017

is there a minimum income with a transfer of $8000

Reply
- 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 “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
  
  Reply
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!!!

Reply
- Gru
  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,
  Gru
  
  Reply
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?

Reply
- finder Customer Care
  
  Joanne
  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,
  Joanne
  
  Reply
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

Reply
- 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
  
  Reply
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 ?

Reply
- finder 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
  
  Reply
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.

Reply
- finder Customer Care
  
  Harold
  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.
  
  Cheers,
  Harold
  
  Reply

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St.George Vertigo Platinum Credit Card