St.George Vertigo Platinum Credit Card – Online Offer

Save with 0% p.a. interest for 24 months on balance transfers with no balance transfer fee 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 up to 24 months with no balance transfer fee.

As well as giving you ways to save on card costs, this card comes with 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
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 date17 December 2018
Annual fee$99 p.a.
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.)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 upon application. This is the maximum credit limit available on this card and you can apply for increases after the account has been opened.
$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 ResidentsNo
Joint ApplicationYes
Annual fee$99 p.a.
Minimum Monthly Repayment2% or $10, whichever is greater
Late Payment Fee$15
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
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

  • 0% p.a. interest charged on balance transfers for the first 24 months (with no balance transfer fee).
  • A low variable purchase interest 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 offer a rewards program.
  • Balance transfer reverts to variable cash advance rate after promotional period.

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 17 December 2018 and you can repay your existing debt with 0% p.a. interest for up to 24 months with no 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 variable 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.
  • 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. This card charges a standard annual fee of $99.
  • Purchase rate. This card offers a low variable 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 charges a 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.

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

It takes around 10 minutes to apply for the St.George Vertigo Platinum Credit Card online and you should get a response within moments of submitting your completed application. To get started, make sure you meet the eligibility requirements and have all the documents and details you'll need ready to go.

Eligibility requirements

  • Are you over 18 years old? You must be at least 18 years of age to apply for a credit card.
  • What is your Australian residency status? This card is available to Australian permanent residents and citizens, as well as temporary residents with at least 24 months remaining on an eligible visa subclass.
  • How are you applying? In order to receive this promotion, you must apply for the St.George Vertigo Platinum Credit Card online.

Documents and details

  • Personal information. This includes your full name, date of birth, residential address, email address and phone number. You also need a valid form of identification, such as your Australian driver's licence, Medicare card, passport or birth certificate.
  • Employment information. Provide your job title, salary information and employer's contact details. If you're self-employed, you may also be asked for your accountant's contact information.
  • Other financial details. This includes any other forms of income and assets such as savings or shares. You'll also need to share details of any existing debts and ongoing expenses such as rent and mortgage payments, bills and grocery shopping.[/fin_hide]

The St.George Vertigo Platinum Credit Card offers a number of beneficial features, including the online-only balance transfer offer, a low purchase interest rate and complimentary insurance covers. 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.

Back to top
Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

28 Responses

  1. Default Gravatar
    dontAugust 24, 2018

    Do they ever actually approve anyone for the balance transfer? 14 years in a secure permanent government job, well above average salary, minor debt, but apparently I don’t meet the criteria. Nothing but a marketing scam in my opinion.

    • finder Customer Care
      JhezelynAugust 24, 2018Staff

      Hello,

      Thank you for your comment.

      I am sorry to hear about your credit card being rejected. Please note that there are many factors affecting a credit card application and we have outlined the reasons on this page.

      In addition, you can check the tips we have on how to be approved for a credit card on this page. I hope this helps.

      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
    BelAugust 10, 2018

    Hello, I am interested in this card as part of a process of switching banks – does the balance transfer process also help client terminate another credit card?

    • Default Gravatar
      JoelAugust 10, 2018

      Hi Bel,

      Thanks for leaving a question on finder.

      Opening a balance transfer credit card doesn’t automatically close your old cards. Though you may not want to cancel them just yet, as it may have an impact on your credit score. Both your credit utilization rate and the age of your card can positively or negatively affect your credit rating. If you want to compare credit cards who can do a balance transfer, please click HERE but if you have already done you comparison and ready to go with St. George Vertigo Platinum Credit card, you can click HERE to start your application. Please note that you need to be at least 18, a permanent Australian resident and you have to have good credit to be eligible for this card.

      Cheers,
      Joel

  3. 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?

    • finder Customer Care
      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

  4. Default Gravatar
    christaFebruary 24, 2018

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

    • finder Customer Care
      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

  5. 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?

    • finder Customer Care
      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

  6. 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 ??

    • finder Customer Care
      RenchFebruary 8, 2018Staff

      Hi Angie,

      Thanks for your inquiry.

      As of this writing, with 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
      $395.83 a month/2 = $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

  7. 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.

    • finder Customer Care
      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

  8. 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.

    • finder Customer Care
      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

  9. 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

    • finder Customer Care
      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

  10. 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

    • Default Gravatar
      ArnoldDecember 2, 2017

      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

Credit Cards Comparison

Rates last updated December 12th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee. Ends 16 December 2018
More info
Suncorp Clear Options Platinum Credit Card - Online Offer
20.74% p.a.
0% p.a. for 18 months
$49 p.a. annual fee for the first year ($129 p.a. thereafter)
Save with a 0% balance transfer offer and earn up to 60,000 Bonus Rewards Points. Plus, a discounted first year annual fee when you apply online.
American Express Westpac Altitude Platinum Bundle - Qantas
20.24% p.a.
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
Up to 75,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect 90,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, a $295 annual fee in the first year.

Compare up to 4 providers

* 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.

Ask a question
Go to site