St.George Vertigo Visa Card – Rates and Fees

Information verified correct on February 20th, 2017
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Consolidate debt and save on interest payments at the cost of a low annual fee with the St.George Vertigo Visa Card.

The St.George Vertigo Visa Card is an option for savvy shoppers who enjoy buying new items and saving at the same time. The card offers new cardholders 0% p.a. interest on purchases for 6 months. If you're looking to repay your debt, you can take advantage of 0% on balance transfers for 18 months. Make further interest savings with up to 55 interest-free days on purchases. You can also request an additional card free of charge.

Product NameSt.George Vertigo Visa
Balance transfer rate (p.a.)0% p.a. for 18 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Purchase Rate (13.24% p.a.)
Balance Transfer Limit95% of available credit limit
Purchase rate (p.a.)0% p.a. for 6 months (reverts to 13.24% p.a.)
Offer end date30 March 2017
Annual fee$55 p.a.
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.)21.49% 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.
$500
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.
$40,000
Minimum Monthly Repayment2% or $10 whichever is greater
Card TypeVisa
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
Complimentary Travel InsuranceNo
Available To Temporary ResidentsNo
Joint ApplicationYes
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
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.
$500
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.
$40,000
Annual Fee$55 p.a.
Minimum Repayment2% or $10 whichever is greater
Late Payment Fee$15
Over Limit Fee$0
Cash Advance Fee2% of the cash advance amount or $2.50
Overseas Cash Advance Fee2%
Overseas Emergency Replacement$52.50
Overseas ATM Balance check$0
Overseas ATM Withdrawal Fee$5
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
Gambling Transactions AllowedYes
Gambling Transactions Interest RateCash Advance Rate
Additional Cardholder Fee$0 p.a.
Number of Additional Cardholders1
BPAYYes
ChequeYes
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes

Pros

  • This card offers a balance transfer rate of 0% p.a. for 18 months to help minimise interest repayments.
  • You can save money with its 0% p.a. for 6 months introductory offer on purchases.
  • Pay a low annual fee of just $55.
  • The interest rate on purchases is one of the lowest in the market.

Cons

  • You cannot earn rewards for your spending.
  • A variable purchase rate of 13.24% p.a. will apply for the remaining balances after the promotional period ends.

St.George Vertigo Visa Card review

The St.George Vertigo Visa Card comes with a balance transfer offer, competitive annual fee of $55, a purchase rate offer of 0% p.a. for up to 6 months and a low ongoing variable rate on purchases. As a Visa card, you can use the card with convenience at millions of locations worldwide. You can also take advantage of Visa payWave technology for contactless payments under $100.

Benefits of using a St.George Vertigo Visa

  • Balance transfer offer. Apply before 30 March 2017 and consolidate your debt faster and cheaper with a 0% balance transfer offer for 18 months.
  • Introductory purchase rate offer. Keep your interest costs to a minimum with 0% on purchases for 6 months. Offer ends on 30 March 2017.
  • Up to 55 interest-free days. Take advantage of up to 55 days of interest-free shopping. Just make sure you pay your closing balance in full at the end of your statement period to enjoy this offer.
  • Card management. You can easily manage your account online, over the phone or in a St.George branch.
  • Free additional card. Request an additional St.George Vertigo Visa Card for a friend or family member without any additional fees.

Features of the St.George Vertigo Visa Credit Card

  • Competitive variable rate. The standard interest rate on purchases is 13.24% p.a.
  • Annual fee. You will be required to pay an annual fee of $55.
  • Credit Card Protect. Credit Card Protect is an optional policy that covers your credit card repayments should you become ill, have an accident, lose your source of income or even pass away. If you are eligible for this protection cover, you can purchase it when applying for your credit card. The cover gives you peace of mind should the unexpected happen, rendering you unable to handle your repayments.
  • Access to other St.George accounts. Your card is linked to any other accounts you may hold with St.George. This is convenient since you can easily manage and monitor all of your accounts under one major account.
  • Security. Spend with peace of mind thanks to Falcon Fraud protection, a service which monitors and detects unusual card activity. All accounts are monitored 24 hours a day and are further protected with the Visa Secure Code when shopping online. The account holder will not be held liable for fraudulent credit card activities.

How to apply for the St.George Vertigo Visa Card

To start the application process, simply complete an online application form. But before you do that, make sure you meet the eligibility requirements.

Eligibility criteria

  • You can apply for the card if you are 18 years of age or older.
  • This is card is not eligible to temporary residents. You must be an Australian citizen or permanent resident to apply.

You also need to provide the following details with your application.

Required documents

  • This may include your contact information and proof of your identity such as your driver’s licence.
  • You must provide your income information, plus details of your savings, investment and assets.

St.George Vertigo Visa Card is loaded with beneficial features and competitive interest rates. As there are similar products on the market, you'll find the right one for you if you compare other credit cards before applying.

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705 Responses to St.George Vertigo Visa Card – Rates and Fees

  1. Default Gravatar
    Paul | February 14, 2017

    Can i balance transfer from 2 different credit cards/institutions to the single card?

    • Staff
      Anndy | February 14, 2017

      Hi Paul,

      Thanks for your question.

      Yes, generally, you can transfer balances from multiple credit cards to a new card. Please note that the total amount that you can move will depend on your approved credit limit on the new card.

      You may compare balance transfer credit cards on this page.
      Additioanlly, you can check this page to know where you can balance transfer to.

      Cheers,
      Anndy

  2. Default Gravatar
    John | February 5, 2017

    Hi,
    I already have an Ignite card due to expire in April 2017. Can I roll this balance into a St George Vertigo visa card even though both cards are under Westpac?
    John

    • Staff
      May | February 5, 2017

      Hi John,

      Thank you for your inquiry.

      Just to confirm, are you transferring your balance/existing debt from your Ignite card to this St.George Vertigo Visa? If so, I’m afraid that may not be possible, as you cannot conduct a balance transfer between cards that are underwritten by the same institution. For your guide, please refer to this page.

      Meantime, if you wish to compare your other balance credit card options, please check these page.

      Hope this helps.

      Cheers,
      May

  3. Default Gravatar
    Rachel | January 31, 2017

    Hi,
    Do this card have transfer fee for balance transfer? And also can the balance on my husband’s card (comm Bank) be transferred to this card (wife’s card) .
    Thanks,
    Rachel

    • Staff
      May | January 31, 2017

      Hi Rachel,

      Thank you for your inquiry.

      Yes, this St.George Vertigo Visa offers balance transfer with 0% p.a. for 18 months. This also allows a balance transfer from your husband’s CBA credit card. You can find more information on how to conduct a balance transfer for someone else’s debt on this page.

      Cheers,
      May

  4. Default Gravatar
    Noel | January 12, 2017

    Hello

    I am looking at the St George Vertigo Visa Card to consolidate debt – I have 2 other credit cards which I want to transfer. Can I apply for a credit balance which will clear these 2 credit cards or will I only get a percentage of the outstanding debt? I am currently have a bank account with St George but not a credit card.

    Thanks :-)

  5. Default Gravatar
    Nifty | January 11, 2017

    Hi , I am a Current St-George Bank Master-Card customer ,
    My Question is :
    Is the St-George VERTIGO Visa Card O % ( ZERO % ) interest on purchase transferred for 18 months available to a Current St-George Master-Card customer ?
    OR is it only for a New St-George customers ? ? .
    Thank’s
    Cheers
    Nifty

    • Staff
      May | January 11, 2017

      Hi Nifty,

      Thanks for your question.

      Unfortunately, it’s not possible to transfer a balance between credit cards underwritten by the same institution and this is applicable for all credit cards. Also, the balance transfer is usually offered to new customers applying for the card.

      So I’m afraid that you’re not able to transfer your balance from your St. George credit card to another St. George card or to any credit cards issued by Westpac including BankSA and BoM. You can find more information about which bank you can transfer your balance to and from on this page.

      Cheers,
      May

  6. Default Gravatar
    Chad | December 6, 2016

    Hi there
    Am I able to transfer my wife’s credit card balance onto this credit card in my name. And if so, how many credit cards/ balances am I able to transfer over? Thanks

    • Staff
      Anndy | December 6, 2016

      Hi Chad,

      Thanks for your question.

      Yes, St. George does allow balance transfer between two people’s name. But note that you can’t transfer a balance from an existing Westpac Group card (BankSA, Bank of Melbourne, St.George). The amount that you can transfer is up to 95% of your available credit limit.

      You may want to check other credit cards that allow transfer between different names here.

      Cheers,
      Anndy

  7. Default Gravatar
    Dan | November 29, 2016

    Once I am using this card can i transfer the debt prior to the promotional end date to another 0% card or do i need to wait until after the 12months?

    • Staff
      Anndy | November 30, 2016

      Hi Dan,

      Thanks for your question.

      Yes, you should be able to apply for a new credit card before the promo period ends, as long as you meet the eligibility requirements of the card you are transferring to.

      Please note also that multiple credit card application in a short period of time may affect your credit score which in turn could also affect your chance of approval in the future.

      Cheers,
      Anndy

  8. Default Gravatar
    Terrence | November 27, 2016

    can we use as husband and wife both our pension incomes to apply for a funds transfer credit card 18 months interest free.

    • Staff
      May | November 28, 2016

      Hi Terrence,

      Thank you for your inquiry.

      Just to confirm, are you applying for a joint account for the St George Vertigo Visa card to conduct a balance transfer? If so, you will both need to provide your most recent pension statement. You may also want to contact St.George directly to confirm whether your pension is eligible as not all pension income will be accepted by St. George. For instance, carer’s pensions aren’t an accepted form of income, but an age pension is.

      Cheers,
      May

  9. Default Gravatar
    Kelly | November 18, 2016

    Hi there,
    I have a Vertigo card that has a balance transfer on it that I am currently paying off on the 0% deal.

    If I also use this card to make purchases, can you please explain how the payments work? Will the new purchases be considered paid first, or will they not be considered paid until whole debt is paid out?

    • Staff
      Harold | November 18, 2016

      Hello Kelly,

      Thank you for your question

      Basically, the introductory rate of 1% p.a. on purchases is available when you apply for a new St.George Vertigo credit card between 30 September 2016 and 4 January 2017. The introductory rate will be applied from card approval and expires 12 months after the date of card approval. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard variable purchase rate then applicable to your card account. The introductory purchase rate is not available in conjunction with any promotion other than the special balance transfer promotion available at card application. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

      I hope this information has helped.

      Cheers,
      Harold

  10. Default Gravatar
    SAM | November 2, 2016

    Hi.

    If I do a balance transfer to this card, do I need to close down my previous credit card where the balance was transferred from?

    • Staff
      Jason | November 2, 2016

      Hi Sam.

      Thank you for your inquiry.

      You can close down your old credit card account to avoid paying for the annual fee if you want or you can just keep your old account open, even when you’re not using them, just to improve your credit utilisation ratio. Having open credit lines that you’re not using, like the old credit card you just transferred from, is good for the health of your score because it demonstrates you’re not maxing out all your credit.

      Still, the decision would depend on your preference.

      Cheers,
      Jason

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The NAB Low Rate Card offers 0% p.a. on balance transfers for 18 months. This card also comes with a low annual fee.
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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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