St.George Vertigo Platinum Credit Card – Online Offer

Get a $0 first year annual fee and 0% p.a. interest for 24 months on balance transfers when you apply online for the St.George Vertigo Platinum.

If you have an existing credit card debt, you can save on interest costs and pay it off faster with 0% p.a. interest for 24 months with a one-time 1% balance transfer fee.

As well as giving you ways to save on card costs, this card comes with a $0 annual fee for the first year, complimentary travel insurance, purchase insurance and a personal concierge service. If you're looking to take advantage of platinum features while keeping your card costs low, compare the fees, features and benefits of this card below.

Product NameSt.George Vertigo Platinum - Online Offer
Balance transfer rate (p.a.)0% p.a. for 24 months with 1% balance transfer fee
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Cash Advance Rate (19.49% p.a.)
Balance Transfer Limit80% of available credit limit
Purchase rate (p.a.)12.74% p.a.
Offer end date30 June 2018
Annual fee$0 p.a. annual fee for the first year ($99 p.a. thereafter)
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.)19.49% 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
Card TypeVisa
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
Minimum Age18 years of age
Available To Temporary ResidentsYes - Conditions apply
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
Cash Advance Fee2%
Overseas Cash Advance Fee2% of the value of the transaction or minimum charge of $2.50
Foreign Currency Conversion Fee
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
Additional Cardholder Fee$0
Number of Additional Cardholders3

Pros

  • 0% p.a. interest charged on balance transfers for the first 24 months.
  • Pay no annual fee for the first year ($99 p.a. thereafter).
  • A low ongoing variable purchase rate of 12.74% p.a.
  • There are lots of bonus 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 1% balance transfer fee applies. Plus, balance transfer reverts to cash advance rate after promotional period.

Review of the St.George Vertigo Platinum Credit Card

With a 0% p.a. interest for 24 months, this offer for the St.George Vertigo Platinum is a competitive option when you’re looking to pay off existing card debt. To get this deal, you need to apply online before 30 June 2018 and include a request to transfer your balance. You can transfer the balance from up to three cards, so long as they are not issued by St.George, BankSA or Bank of Melbourne.

If you're planning to make new purchases, the St.George Vertigo Platinum offers a low ongoing variable rate of 12.74% p.a. on purchases. You can also enjoy a range of complimentary insurance covers with this card, including overseas travel insurance and extended warranty insurance on purchases.

Benefits and features of the St.George Vertigo Platinum Credit Card

These are the perks you can get with this low rate platinum credit card from St.George.

  • Balance transfer offer. Apply online before 30 June 2018 and you can repay your debt with an offer of 0% p.a. interest for 24 months on balance transfers with a one-time 1% balance transfer fee. You can transfer a minimum of $200 from up to three cards as long as they don’t come from St.George, BankSA or Bank of Melbourne, and you can transfer up to 80% of your available credit limit. At the end of the promotional period, any remaining balance transfer debt is subject to the cash advance rate. Read our step-by-step guide to balance transfers with St.George for tips when moving your debt to your new card.
  • First year annual fee waiver. This card charges $0 annual fee for the first year ($99 p.a. thereafter).
  • 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 six 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 four months.
  • Price guarantee cover. This cover allows you to claim the difference in price on an eligible purchase if you find it cheaper within 21 days. You can claim 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.

Rates and fees 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. Outside of any promotions, this card charges a standard $99 annual fee.
  • Purchase 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. Please note that interest-free days do not apply while you carry a balance transfer.
  • Cash advance rate. The St.George Vertigo Platinum has a standard variable cash advance rate of 19.49% p.a. Note that this interest rate will apply to any debt remaining from your balance transfer at the end of the introductory period.
  • Additional cardholders. For no extra cost, you can add up to 3 additional cardholders to your account, giving you flexibility in regard to how you spend.
  • Security. St.George offers you a 24/7 fraud monitoring, and Verified by Visa provides protection when shopping in store and online.

How to apply for the St.George Vertigo Platinum Credit Card

To get 0% p.a. interest on balance transfers for 24 months, you’ll need to apply for the St.George Vertigo Platinum online by 30 June 2018. It takes about 10 minutes to complete the application, which you can start by clicking on the “Go to site” button. Before you apply, make sure you meet the eligibility criteria and organise the necessary documents.

Eligibility criteria

  • Are you over 18? You’ll need to be over the age of 18 to apply for this card.
  • What is your Australian residency status? Applicants must be permanent Australian residents.
  • What is your credit rating? You should have a good credit history.

Required documents

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

  • Identification. You will need two forms of identification. You can use your driver’s licence, Medicare card, passport, Australian birth certificate or NSW photo card.
  • Employment details. This includes your role, salary and contact details for your main employer. If you’re self-employed, you can provide recent tax information and your accountant’s details.
  • Financial information. You will need to provide details of your assets, savings, investments and expenses. This includes the repayment amounts and balances owing on any debts or other liabilities.
  • Balance transfer details. If you want to get 0% p.a. interest for 24 months on existing card debts, you’ll need to provide details for each of the accounts, including the account name, number, BSB and the amount of debt you’d like to transfer. Remember that you can transfer debts up to 80% of your approved credit limit from a maximum of three cards, but the cards can’t come from St.George, BankSA or Bank of Melbourne.

The St.George Vertigo Platinum Credit Card offers a number of beneficial features, including the online-only balance transfer and first year $0 annual fee offers, a low ongoing 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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24 Responses

  1. Default Gravatar
    ReneeMarch 19, 2018

    Can you balance transfer a personal loan in this deal? It says up to three cards can be balance transferred can one of those be a personal loan?

    • Staff
      JhezelynMarch 23, 2018Staff

      Hi Renee,

      Thank you for your comment.

      Upon checking, you’re unable to balance transfer personal loan to St.George Vertigo Platinum Credit Card. You may want to see your options by checking this page.

      Regards,
      Jhezelyn

  2. Default Gravatar
    christaFebruary 24, 2018

    Does this credit card enable the transfer to be from a personal loan?

    • Staff
      JonathanFebruary 26, 2018Staff

      Hi Christa, thanks for your inquiry.

      Unfortunately this credit card does not allow this type of transfer. Please see this page to compare eligible cards.

      Best,

      Jonathan

  3. Default Gravatar
    February 20, 2018

    HI, Just curious if you can transfer a fixed personal loan onto the credit card as i notice it only says credit card, but thought i would ask anyway and is there any others going around that will accept it with the same price if possible?

    • Staff
      RobynFebruary 25, 2018Staff

      Hello Owen,

      Thank you for your inquiry. Yes, there are some balance transfer credit cards that accept personal loan debt. You can check this page. This page also covers the steps you need to take to transfer your personal loan debt to a credit card and the key factors to consider so you can find the right card to pay off your debt.

      Hope this helps. Should you have further questions or clarifications, please do not hesitate to contact us again.

      Best Regards,
      Robyn

  4. Default Gravatar
    AngieJanuary 30, 2018

    If I transfer $9500 what will be my repayments per fortnight for the 24 month interest free period ? And what would be the transfer fee ??

    • Staff
      RenchFebruary 8, 2018Staff

      Hi Angie,

      Thanks for your inquiry.

      This St.George Vertigo Platinum Credit Card, you can enjoy 0% p.a. interest for 24 months, no balance transfer fee and a $0 annual fee in the first year. So your repayments would be computed as follows assuming that you’re able to transfer all the $9500 balance you had on your other card:

      $9500 / 24 months = $395.83 monthly
      $395 / fortnight = $197.92 a fortnight

      Please note though that the balance transfer limit of this card is only up to 80% of your credit limit. If you’re only approved for a minimum of credit limit of $6,000, that means you can transfer $4,800 (80% of $6,000). The higher the credit limit you’re approved for, the higher balance you can transfer onto the card. So more or less, with your $9,500 balance, you would need to be approved for at least $12,000 credit limit.

      Please contact St.George with regard to your chances of approval and discuss the possible credit limit you’ll be approved for.

      Best regards,
      Rench

  5. Default Gravatar
    NJJanuary 16, 2018

    Just letting you know that this offer has a 1% BT fee upon signing up. It’s stated on here that there is no BT fee.

    • Staff
      RenchJanuary 17, 2018Staff

      Hi NJ,

      Thanks for this info. 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.

      The Balance transfer promotion is available when you apply for a new Vertigo credit card between 14 December 2017 and 31 January 2018, and request at card application to transfer balance(s) from up to 3 non-St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The applicable variable cash advance rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. (offer not available in branch or via call centres)

      This info is indicated also in St. George official site for St.George Vertigo Platinum Credit Card. You may click the ‘Go to site’ button on this page.

      Best regards,
      Rench

  6. Default Gravatar
    RachelJanuary 11, 2018

    Hi, If I apply for the vertigo visa and tranfer my balance from an existing card after 12 months if I pay off the debt can I then cancel the card ?
    Are arw there any other charges to cancel.

    • Staff
      RenchJanuary 12, 2018Staff

      Hi Rachel,

      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.

      As I’ve checked, there’s no cancellation fee for St.George Vertigo Platinum Credit Card. You may confirm this directly with St. George by clicking on the ‘Go to site’ button on this page.

      Best regards,
      Rench

  7. Default Gravatar
    lizDecember 2, 2017

    I am seeking to apply for a balance transfer credit card in my name and provide a subsidiary card to my husband. The balance transfer funds I will to transfer to the St George Vertigo Platinum card is in my husbands name only. Is this possible for me to have the card in my name only with him as a subsidiary card holder? I am seeking a $20K limit

    • Staff
      JoanneDecember 2, 2017Staff

      Hi Liz,

      Thanks for reaching out.
      If you’re looking to do a balance transfer from your husband’s card to your card, not all credit card providers allow this process, but there are others that do give you the option to move another person’s debt or a joint debt to your own credit card. As with any credit card application, you will need to meet the eligibility criteria before you are approved for the balance transfer.

      This guide will outline the different options you have, banks that allow joint balance transfers and the steps you can take to transfer a credit card debt from your partner so that you can work out the best approach when dealing with shared debts.

      For adding your husband as a subsidiary card holder and the 20k limit, these should be discussed with the card provider as they will be the ones who can determine if those are approved or if possible.

      Hope this helps,
      Joanne

  8. Default Gravatar
    chatDecember 1, 2017

    Hi,

    I have a very basic question; If I do a balance transfer upon getting this card and continue to use it for everyday purchases how would the repayments workout? For example, if I do a balance transfer of $1000, spend $200 off the credit card and repay $200 after 30 days, what fraction of the repayment will be used to clear the balance transfer?
    Thanks in advance for your advice

    • Staff
      ArnoldDecember 2, 2017Staff

      Hi Chat,

      Thanks for your inquiry

      Basically, with credit cards, the transaction that is collecting the highest interest will receive the repayments before transactions with lower rates. So in your case, the purchases worth $200 will be collecting the higher interest of 12.74% p.a. compared to the 0% interest on balance transfer for 24 months. If you pay the $200 in full by the due date, you will not incur interest for it and will be charged $1,000/24months = $41.67 for the BT per month.

      Hope this information helps

      Cheers,
      Arnold

  9. Default Gravatar
    November 28, 2017

    Can I transfer the debt once it has gone to collection house?

    • Staff
      ArnoldNovember 30, 2017Staff

      Hi Amanda,

      Thanks for your inquiry

      I’m afraid not. The balance transfer is only possible for accounts that are not on default.

      Hope this information helps

      Cheers,
      Arnold

  10. Default Gravatar
    November 21, 2017

    “Balance transfer reverts to cash advance rate after promotional period.” does this mean that after 2 years the interest will increase i the sum hasn’t been finalized. Or have I got this confused with something else.

    • Staff
      LouNovember 22, 2017Staff

      HI Moses,

      Thanks for your question.

      This statement means that after the balance transfer promotional period of 24 months, any unpaid balance transfer amount will attract an interest rate of 21.49% p.a.

      Cheers,
      Anndy

Credit Cards Comparison

Rates last updated May 24th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Westpac Low Rate - Online Offer
13.49% p.a.
0% p.a. for 26 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Take advantage of 0% p.a. for 26 months on balance transfers with a one-time 2% balance transfer fee and a $0 first year annual fee.
HSBC Platinum Credit Card
19.99% p.a.
0% p.a. for 22 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($129 p.a. thereafter)
Offers a 0% p.a. for 22 months balance transfer, $0 annual fee for the first year and an annual fee refund each year when you spend $6,000.
NAB Low Fee Card
19.74% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$30 p.a.
Receive complimentary purchase protection insurance, a 18 month balance transfer offer and special offers from Visa Entertainment.
Citi Platinum Credit Card - 100k Bonus Points
20.99% p.a.
0% p.a. for 15 months with 1% balance transfer fee
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
Earn 100,000 reward Points, enjoy a long-term balance transfer offer, a discounted first year annual fee and complimentary travel insurance.

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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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