Exclusive Offer

St.George Vertigo Visa Card – Exclusive Offer

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Save with 0% interest on purchases for 14 months, 0% p.a. on balance transfers for 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 via Finder can take advantage of an annual fee waiver in the first year and 0% p.a. interest for the first 14 months on purchases. If you're looking to repay existing debt, you can benefit from the 0% balance transfer offer for 6 months with no balance transfer fee.

0% p.a.

Balance transfer rate

for 6 months

0% p.a.

Purchase rate

for the first 14 months (reverts to 13.99% p.a.)

$0 p.a.

Annual fee

for the first year ($55 p.a. thereafter)

55 days

Interest free period

Details

Product NameSt.George Vertigo Card - Exclusive Offer
Balance transfer rate0% p.a. for 6 months
Balance Transfer Revert RateCash Advance Rate (21.49% p.a.)
Balance Transfer Limit80% of available balance
Purchase rate (p.a.)0% for 14 months, reverts to 13.99% p.a.
Annual fee$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Interest Free Period55 days
Cash Advance Rate21.49% p.a.
Minimum Credit Limit$500
Maximum Credit Limit$80,000
Card TypeVisa
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Complimentary Travel InsuranceNo
Minimum Age18 years of age
Available to Temporary ResidentsYes - Conditions apply
Joint ApplicationYes

Pros

  • 0% p.a. on purchases for the first 14 months.
  • $0 annual fee for the first year.
  • 0% p.a. on balance transfers for the first 6 months (no balance transfer fee).
  • Additional cardholder at no extra cost.

Cons

  • You cannot earn rewards for your spending.
  • Using this card overseas or with international merchants incurs a 3% of transaction value foreign transaction fee.
Annual fee$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Minimum Monthly Repayment2% of the closing balance or $10, whichever is greater
Late Payment Fee$15
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Cash Advance Fee2% or $2.50, whichever is greater
Overseas Cash Advance Fee2%
Additional Cardholder Fee$0
Number of Additional Cardholders1

Expert review

Amy Bradney-George

Review by


Amy is an editor and writer at finder.com.au with more than 10 years experience covering credit cards, personal finance and various lifestyle topics. When she’s not sharing her knowledge on money matters, Amy spends her time as an actress.

Expert review

If you want to save on interest costs and repay your credit card debt faster, the St.George Vertigo Classic exclusive offer could be suited to you. It isn’t the longest interest-free balance transfer offer on the market, but it does have the advantage of no balance transfer fee. This and the first year annual fee waiver will help you minimise your overall costs.

How to apply

You can apply for this credit card offer via finder.com.au in around 10 minutes and receive a response instantly. Before you apply, make sure that you've met the eligibility requirements and have the necessary details to complete the application:

Eligibility criteria

  • Residency. To apply online, you must be an Australian citizen or permanent resident.
  • Age. You must be at least 18 years old to apply.

Card benefits

  • Exclusive purchase rate offer. Apply through finder.com.au 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 at the variable purchase rate, currently at 13.99% p.a.
  • Exclusive annual fee waiver. Look forward to a $0 annual fee for the first year ($55 p.a. thereafter). This offer is only available when you apply through Finder.

Rates & fees

  • 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.

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14 Comments

  1. Default Gravatar
    Chris
    November 5, 2019

    If I use the credit card with 0% purchase interest rate, does minimum monthly payment applicable?

    • AvatarStaff
      Joshua
      November 6, 2019

      Hi Chris,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      The answer to your question, Chris, is yes. You would still need to pay a minimum monthly repayment.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

  2. Default Gravatar
    Pete
    October 12, 2019

    How long with this exclusive offer through finder.com.au last for?

    • AvatarStaff
      Nikki
      October 12, 2019

      Hi Pete,

      Thanks for your comment. It’s great to know you’re interested to apply for the St. George Visa card. As it says on this page showing all of Finder’s exclusive offers, the St. George Vertigo Visa Card’s offer ends 12 February 2020.

      As a friendly reminder, check the eligibility requirements of the card before proceeding with your application. Also, read about its features and benefits and see how it fits your financial needs. Additionally, it’s helpful to review the PDS and Terms & Conditions of the card before fully committing to the card. You may also reach out to the bank if you have any clarifications.

      With care,
      Nikki

  3. Default Gravatar
    Jes
    September 25, 2019

    Hello,
    If I were to apply for this credit card with the intent of paying off the sum and cancelling the card after a few months, would I receive any fees to be able to do that?
    Thank you

    • AvatarStaff
      Nikki
      September 25, 2019

      Hi Jes,

      Thanks for getting in touch! When you use this card and pay off the balance before the due date, you will not incur any interest at all for as long as the card must be closed and canceled without any balance. To know how to close and cancel a card in Australia, please refer to this page.

      As a friendly reminder, check the eligibility requirements of the card before proceeding with your application. Also, read about its features and benefits and see how it fits your financial needs. Additionally, it’s helpful to review the PDS and Terms & Conditions of the card before fully committing to the card. You may also reach out to the bank if you have any clarifications.

      Hope this helps!

      Best,
      Nikki

  4. Default Gravatar
    Mai
    September 14, 2019

    Are there any monthly account-keeping fees and/or payment processing fees?

    • AvatarStaff
      Jeni
      September 14, 2019

      Hi Mai,

      Thank you for getting in touch with Finder.

      Please note that you’re looking at St George Vertigo credit card. This card has an annual fee of $55. If you consider applying for this credit card, please make sure though to read the eligibility criteria, features and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

      If you’re looking for savings account with no account keeping fees, please check out banks on this PAGE.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  5. Default Gravatar
    Juvy
    September 5, 2019

    If I use the Credit Card with 0% Purchase Interest Rate while i’m overseas, do I default the 0% Purchase Interest Rate offer?

    • AvatarStaff
      Ash
      September 6, 2019

      Hi Juvy,

      Thank you for contacting Finder.

      No, you will still be eligible for the 0% Purchase Interest Rate even if you use the Credit Card for overseas purchase/s. But kindly take note that you will be charged with a Currency Conversion Fee which is 3% of the Australian dollar value per transaction.

      I hope this helps.

      Please do not hesitate to reach out again to us if you have additional questions.

      Cheers,
      Ash

  6. Default Gravatar
    Ray
    September 3, 2019

    In relation to the 0% interest rate for 14 months, if the card was used overseas to withdraw cash, I understand that there would be a cash advance fee and a currency conversion fee. Aside from these fees, would the cash advance rate be charged immediately on the withdrawal or would this fall under the 0% offer for 14 months?

    • AvatarStaff
      Nikki
      September 4, 2019

      Hi Ray,

      Thanks for getting in touch! Yes, the cash advance fee is charged on withdrawal and this doesn’t fall on the 0% offer for 14 months as this condition is only eligible purchases made on the card. To confirm, please check the terms and conditions of the card or reach out to the bank.

      Hope this clarifies and feel free to reach back out for further assistance.

      Best,
      Nikki

  7. Default Gravatar
    Mila
    May 21, 2019

    I want to transfer an existing cc balance onto this card, St.George Vertigo Classic, but want to make sure I have all the necessary criteria for a successful application.

    • AvatarStaff
      Nikki
      May 21, 2019

      Hi Mila,

      Thanks for getting in touch with Finder.

      Before you transfer an existing credit card balance on to the St. George Vertigo Visa Card, note that you can only transfer balances from non-St. George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards. This includes transfers from Westpac accounts. If you’d like to read more information on this, you may refer to this page.

      Above are the basic and required eligibility criteria of this card. You can find more information on this when you give them a call or visit their website. As a friendly reminder, read the features and details of the card, as well as the Product Disclosure Statement and Terms and Conditions of the card before making a decision and consider whether the product is right for you.

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.

      With care,
      Nikki

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