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.

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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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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


  • 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


  • 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

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

Ask an expert

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    Default Gravatar
    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
      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.


    Default Gravatar
    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
      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!


    Default Gravatar
    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.


    Default Gravatar
    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
      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.


    Default Gravatar
    October 9, 2017

    is there a minimum income with a transfer of $8000

      Default Gravatar
      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.


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