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St.George Credit Cards

St.George Vertigo Classic Card

Sally McMullen
Sally McMullen
Last updated:  

Save with 0% interest for 18 months on balance transfers and a low purchase interest rate with the St.George Vertigo card.

The Vertigo is a low rate card designed to help you save money when paying off both new purchases and existing debt. Enjoy up to 55 days interest-free and a competitive 13.99% p.a. purchase rate.

0% p.a.

Balance transfer rate

for 18 months with no balance transfer fee

13.99% p.a.

Purchase rate

$55 p.a.

Annual fee

55 days

Interest free period

Details

Product NameSt.George Vertigo Classic
Balance transfer rate0% p.a. for 18 months
Balance Transfer Revert RateCash Advance Rate (21.49% p.a.)
Balance Transfer Limit80% of available balance
Purchase rate (p.a.)13.99% p.a.
Annual fee$55 p.a.
Interest Free Period55 days
Cash advance rate (p.a.)21.49% p.a.
Min credit limit$500
Card TypeVisa
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Complimentary Travel InsuranceYes
Minimum Age18 years of age
Available to Temporary ResidentsYes - Conditions apply
Joint ApplicationYes

Pros

  • Balance transfer rate of 0% p.a. for the first 18 months with no balance transfer fee
  • Offers a low variable purchase rate of 13.99% p.a.
  • Additional cardholder at no extra cost

Cons

  • No rewards program
  • Does not offer travel perks or insurance covers
Annual fee$55 p.a.
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% of the value of the transaction or minimum charge of $2.50
Go to St.George Bank's siteMore info

Expert review

Sally McMullen

Review by

Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.

Expert review

If you want to cut interest costs and repay your credit card debt faster, the St.George Vertigo Classic Card 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. The low annual fee will also minimise your overall card costs.

This card also charges a low purchase interest rate, but you might want to avoid using the card to spend if you’re determined to pay off your balance transfer in full before the 0% introductory period ends.

How to apply

You can apply for the St.George Vertigo Classic credit card in 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.
Go to St.George's siteMore info

Card benefits

  • Balance transfer offer. Apply by 12 February 2020 and save money when paying off your credit card debt with 0% p.a. balance transfer offer for up to 18 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 and consolidate debt from up to 3 cards not issued by St.George, BankSA or Bank of Melbourne. You can only take advantage of this offer if you request the balance transfer when you're applying for the card.
  • Competitive purchase rate. The variable interest rate on purchases is 13.99% p.a.

Rates & fees

  • Annual fee. This card attracts an annual fee of $55 p.a.
  • Cash advance rate. If you withdraw cash from an ATM, make a 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.
Go to St.George's siteMore info

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738 Comments

  1. Default Gravatar
    sunil
    October 25, 2019

    What is covered by the Complimentary Travel Insurance?

    Reply
    • AvatarStaff
      Ash
      October 27, 2019

      Hi Sunil,

      Thanks for contacting Finder.

      Some of the coverage offered by the St.George Complimentary Travel Insurance are Medical and Hospital, Loss and damage of personal property and Cancellation of travel expenses. You may know the full details of their coverage here.

      I hope this helps.

      Cheers,
      Ash

      Reply
  2. Default Gravatar
    hannah
    September 13, 2017

    can you please give me at least 3 disadvantages of using the Vertigo card. I am doing an assessment.

    Reply
    • AvatarStaff
      Dee
      September 13, 2017

      Hi Hannah,

      Thanks for your question.

      Please check our Pros & Cons tab above for more details. Just want to add, this card has no complimentary travel insurance and it charges an annual fee of $55 p.a starting on the second year.

      Cheers,
      Anndy

      Reply
  3. Default Gravatar
    MC
    September 8, 2017

    Could you please advise any balance transfer fees charge by this credit card?

    Regards,

    Reply
    • Default Gravatar
      Jonathan
      September 8, 2017

      Hello MC,

      Thank you for your question.

      Good news, there is none. You may click “Go to Site” green button from this page to proceed with your application.

      Should you wish to check other cards without balance, we have a dedicated page for that.

      Hope this helps.

      Cheers,
      Jonathan

      Reply
  4. Default Gravatar
    Pilot
    August 7, 2017

    How long do I need to keep the card for, if I pay it off in 14 months?
    PP

    Reply
    • AvatarStaff
      May
      August 7, 2017

      Hi Pilot,

      Thanks for your question.

      Once you’ve paid off your balance transfer after 14 months, you can keep the card as long as you like. It’s your discretion though whether to cancel or continue using the card. If ever you would want to close your account, make sure that there should be no outstanding balance in it then contact St.George’s customer service team directly and inform them of your decision.

      Cheers,
      May

      Reply
  5. Default Gravatar
    Sero
    July 31, 2017

    Hi ,
    I would like to pay off a credit card debt. Can I transfer across to St George to Iuse the interest free period to pay off as much as I can, and then transfer out to another bank to take advantage of that new banks interest free period . Or am I obligated to stay with St George for a period of time. Many thanks

    Reply
    • AvatarStaff
      Harold
      July 31, 2017

      Hi Sero,

      Thank you for your inquiry.

      Some credit cards have restrictions around which institutions you can balance transfer your debts from. This usually happens when credit card companies have financial ties to one another, or when both credit card companies are actually being financed by the same larger lending institution. – You may want to check the available options here.

      I hope this information has helped.

      Cheers,
      Harold

      Reply
  6. Default Gravatar
    sam
    July 2, 2017

    If my debt I want to transfer is made up of cash adv debt as well as purchase debt, will it all be transferred over as ‘purchase debt’. I just want to ensure the cash adv debt amount that will be transferred will be eligible for the 0%

    Reply
    • Default Gravatar
      Danielle
      July 3, 2017

      Hi Sam,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      According to St. George, generally a promotional rate will apply to ANY balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period. This means that they do not differentiate between debt ‘types’ as such, they just take the balance as a whole. They recommend you double-check this against the particular card type and promotion terms you’re applying for by asking at a branch or discussing with a Credit Card specialist on their hotline.

      I hope this helps.

      Cheers,
      Danielle

      Reply
  7. Default Gravatar
    Annie
    June 29, 2017

    Hi. Is there a “balance transfer” fee if I move my credit card debt with another bank to a St George vertigo balance transfer card?
    Thanks

    Reply
    • Default Gravatar
      Jonathan
      June 29, 2017

      Hi Annie!

      Good news is there’s none! :)

      If you believe you meet the minimum requirements, you may click “Go to Site” green button to proceed with your application.

      Hope this helps.

      Cheers,
      Jonathan

      Reply
  8. Default Gravatar
    scott.s
    June 15, 2017

    I have a personal loan of around $3,000. Can I put that amount on my current credit card to end the loan and then do the balance transfer to St. George to get this great offer?

    Reply
    • Default Gravatar
      Jonathan
      June 16, 2017

      Hi Scott!

      Thanks for the comment.

      Currently, only Citi and Virgin Money allows it. You can check our comparison page for those issuers who allow balance transfer for a personal loan to a credit card.

      Hope this helps.

      Cheers,
      Jonathan

      Reply
  9. Default Gravatar
    Scott
    June 14, 2017

    Hi, does this card offer a balance transfer from a personal loan? If not are there ones that do beside Citibank or Virgin?
    Thank you

    Reply
    • AvatarStaff
      Dee
      June 14, 2017

      Hi Scott,

      Thanks for your question.

      Unfortunately, among the credit cards we feature on our website, only Citi and Virgin credit cards allow balance transfer of personal loans.

      Cheers,
      Anndy

      Reply
  10. Default Gravatar
    Natalie
    May 31, 2017

    Hi – is the customer service department based in Australia?
    Many thanks

    Reply
    • AvatarStaff
      Jhez
      June 1, 2017

      Hi Natalie,

      Thanks for getting in touch with finder.com.au.

      If you are referring to St.George Bank, they are headquartered in Sydney, Australia. Should you want to get in touch with St George Bank, please visit their website or you can contact them directly and have them transfer you to the customer service department.

      Hope this helps.

      Regards,
      Jhezelyn

      Reply
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