St.George Vertigo Visa Card – Online Offer

Save with 0% interest on purchases for 14 months, 0% p.a. on balance transfers for the first 6 months and a $0 first year annual fee.

The St.George Vertigo Classic is a low rate credit card designed to help you save money on both purchases and existing debt. Cardholders who apply online by 22 May 2019 can take advantage of an annual fee waiver in the first year and 0% p.a. interest rate for 14 months on purchases. If you're looking to repay existing debt, you can benefit from the 0% balance transfer offer for 6 months.

Aside from these benefits, this card also features a competitive 13.99% p.a. variable purchase rate and up to 55 interest-free days after the first 14 months are up.

Product NameSt.George Vertigo Classic - Online Offer
Balance transfer rate0% p.a. for 6 months
Balance transfer revert rate
The interest rate that will apply to any remaining balance after the balance transfer term ends.
Cash Advance Rate (21.49% p.a.)
Balance Transfer Limit80% of available credit limit
Purchase rate (p.a.)0% p.a. for 14 months (reverts to 13.99% p.a.)
Offer end date22 May 2019
Annual fee$0 p.a. annual fee for the first year ($55 p.a. thereafter)
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.)21.49% p.a.
Min credit limit
This is the lowest credit limit you can be granted. It is possible to request a higher credit limit but not a lower one than this figure.
$500
Max credit limit
This is the maximum credit limit available on this card and you can apply for increases after the account has been opened. This credit limit may not be issued to you immediately upon application.
$80,000
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Charged when you make a transaction that is converted by Visa 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 InsuranceNo
Minimum Age18 years of age
Available To Temporary ResidentsNo
Joint ApplicationYes
Annual fee$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Minimum Monthly Repayment2% or $10 whichever is greater
Late Payment Fee$15
Foreign Currency Conversion Fee (VISA)
Charged when you make a transaction that is converted by Visa 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 the value of the transaction or minimum charge of $2.50
Overseas Cash Advance Fee2%
Gambling Transactions AllowedYes
Additional Cardholder Fee$0
Number of Additional Cardholders1

Pros

  • 0% p.a. on purchases for the first 14 months.
  • $0 annual fee for the first year.
  • Additional cardholder at no extra cost.

Cons

  • You cannot earn rewards for your spending.

Benefits of using a St.George Vertigo Classic

  • 0% interest on purchases. Apply online by 22 May 2019 and you'll save with a 0% p.a. interest rate on purchases for the first 14 months. Any remaining balance after the introductory period will be charged a variable purchase rate, currently at 13.99% p.a.
  • Annual fee waiver. Look forward to a $0 annual fee for the first year when you apply online by 22 May 2019.
  • Balance transfer offer. Consolidate your debts with a 0% p.a. balance transfer offer for up to 6 months with no balance transfer fee. Any remaining balance after the promotional period ends is subject to the cash advance rate. You can transfer up to 80% of your approved credit limit from up to 3 cards not issued by St.George, BankSA or Bank of Melbourne.
  • Competitive variable purchase rate. The variable interest rate on purchases is 13.99% p.a.
  • Free additional card. Request a secondary St.George Vertigo Classic card for $0.

Features of the St.George Vertigo Classic

  • Annual fee. Outside of any promotions, this card charges a standard annual fee of $55.
  • Cash advance rate. If you make a cash withdrawal, cash-equivalent transaction or have debt remaining at the end of the balance transfer period, you will be charged interest at 21.49% p.a.
  • Currency conversion fee. If you use the card overseas or with an international online retailer, you will be charged 3% of the Australian dollar value per transaction.
  • Up to 55 interest-free days. After any introductory purchase offer, when you pay your balance in full by the end of the statement period, you'll receive up to 55 days interest-free on purchases. Note that you don't qualify for interest-free days while you carry a balance transfer.

How to apply for the St.George Vertigo Classic

To start the process, simply complete an online application form. But before you do that, make sure you meet the eligibility requirements and have the required documents and details on hand.

Eligibility criteria

  • Age. You must be 18 years of age or older.
  • Residency status. You must be an Australian citizen or permanent resident to apply.

Required documents

  • Personal details. This may include your full name, contact information and proof of your identity such as your driver's licence.
  • Employment details. This includes your role, the length of your employment and your employer's name and contact details.
  • Financial details. You must provide your income information, plus details of your savings, any investments and assets.

The St.George Vertigo Visa online offer is a competitive option for cardholders who want to consolidate an existing debt and save with an introductory 0% interest rate on purchases with a $0 annual fee in the first year. As this isn't the only interest-free offer on the market, make sure to compare a few options to find the right card for you.

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.

Credit Cards Comparison

Rates last updated April 22nd, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
0% p.a. for 18 months
$50 p.a.
Earn 20,000 bonus Velocity Points and save with an ongoing $50 p.a. annual fee. Plus, receive a $129 Virgin Australia Gift Voucher each year.
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.

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