St.George Vertigo Platinum Credit Card

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.

This card also enables you to travel and shop with peace of mind courtesy of a range of complimentary insurance covers.

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Sally McMullen

Last Updated Mar 3, 2021

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 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	12.99% p.a.
Annual fee	$99
Interest-free period	Up to 55 days on purchases
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

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 points	N/A

Annual fee	$99
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

Review by

Sally McMullen

sally.mcmullen@finder.com.au

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. Its current 12.99% p.a. purchase rate is competitive with other low interest rate credit cards in Australia.

If you're planning to travel, this platinum card also features 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.

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.

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. 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 each cash advance amount (minimum of $2.50 capped at $150 per transaction).

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.

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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?

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

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?

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

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?

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

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?

finder 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

Wendy
October 9, 2017

is there a minimum income with a transfer of $8000

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

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St.George Vertigo Platinum Credit Card