Save with 0% interest for 14 months on balance transfers and $0 annual fee in the first year with the St.George Vertigo Visa Card.
The St.George Vertigo Visa is a low rate credit card designed to help you save money on both purchases and existing debt. New cardholders can enjoy an annual fee waiver in the first year plus 55 days interest-free on purchases.
If you're looking to repay your debt, you can also take advantage of 0% p.a. on balance transfers for 14 months. After that, the low standard variable purchase rate will apply to any balance remaining. Apply by 20 September 2017 to take advantage of these offers.
| Product Name | St.George Vertigo Visa |
|---|---|
| Balance transfer rate (p.a.) | 0% p.a. for 14 months |
| Balance Transfer Revert Rate The interest rate after the balance transfer ends. | Purchase Rate (13.24% p.a.) |
| Balance Transfer Limit | 95% of available credit limit |
| Purchase rate (p.a.) | 13.24% p.a. |
| Offer end date | 20 September 2017 |
| Annual fee | $0 p.a. annual fee for the first year ($55 p.a. thereafter) |
| 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 Repayment | 2% or $10 whichever is greater |
| Card Type | Visa |
| 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 Insurance | No |
| Available To Temporary Residents | Yes - Conditions apply |
| Joint Application | Yes |
| Minimum Age | 18 years of age |
|---|---|
| Available to Temporary Residents | Yes - Conditions apply |
| 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 | $0 p.a. annual fee for the first year ($55 p.a. thereafter) |
|---|---|
| Minimum Repayment | 2% or $10 whichever is greater |
| Late Payment Fee | $15 |
| Over Limit Fee | $0 |
| Cash Advance Fee | 2% of each cash advance amount and all transfers with a minimum of $2.50 |
| Overseas Cash Advance Fee | 2% |
| 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 |
| Additional Cardholder Fee | $0 p.a. |
| Number of Additional Cardholders | 1 |
| BPAY | Yes |
| Cheque | Yes |
| Direct Debit | Yes |
| Australia Post | Yes |
| Phone Banking | Yes |
| Internet Banking Transfers | Yes |
| In Branch | Yes |
| Yes |
Pros
- This card offers a balance transfer rate of 0% p.a. for 14 months to help minimise interest repayments.
- Pay no annual fee in the first year.
- The interest rate on purchases is one of the lowest in the market.
- You can get an additional cardholder at no extra cost.
Cons
- You cannot earn rewards for your spending.
St.George Vertigo Visa Card review
The St.George Vertigo Visa Card is a no-frills option that offers $0 annual fee in the first year (reverts to $55 p.a. thereafter), a low ongoing variable purchase rate of 13.24% p.a. and up to 55 days interest-free. It also comes with a 0% balance transfer offer for 14 months when you apply by 20 September 2017.
As a Visa card, you can use the St.George Vertigo for purchases in-store and online at millions of locations worldwide. You can also take advantage of Visa payWave contactless technology and exclusive ticket and lifestyle offers through Visa Entertainment.
Benefits of using a St.George Vertigo Visa
- Annual fee waiver. New cardholders can also take advantage of $0 annual fee in the first year (reverts to $55 p.a. thereafter). This offer is valid until 20 September 2017 only.
- Balance transfer offer. Apply by 20 September 2017 and save money on debt consolidation with a 0% balance transfer offer for 14 months.
- Balance transfer revert rate. While many balance transfer credit cards revert to a high cash advance rate once the introductory period ends, the St.George Vertigo Visa reverts to the low ongoing variable purchase rate of 13.24% p.a. So if you don't pay off your balance by the end of the 0% period, you could still save on interest when compared to other cards.
- 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.
- Convenient card management. You can easily manage your account with Internet or mobile banking. You can also bank over the phone or in a St.George branch.
- Free additional card. Request a secondary St.George Vertigo Visa Card for a family member without any additional fees.
Features of the St.George Vertigo Visa Credit Card
- Competitive variable purchase rate. The standard interest rate on purchases is 13.24% p.a. (variable).
- 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. If you hold other accounts with St.George, your card's Internet and mobile banking account will be linked to them. This allows you to easily manage and monitor all of your accounts in one place.
- Security. Spend with peace of mind thanks to a fraud monitoring service. 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 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, investment and assets.
The St.George Vertigo Visa Card offers competitive interest rates and fees, without many extras. As there are other low rate cards on the market, be sure to compare a range of options so you can find and apply for the right card for you.
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can you please give me at least 3 disadvantages of using the Vertigo card. I am doing an assessment.
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
Could you please advise any balance transfer fees charge by this credit card?
Regards,
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
How long do I need to keep the card for, if I pay it off in 14 months?
PP
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
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
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
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%
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
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
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
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?
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
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
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
Hi – is the customer service department based in Australia?
Many thanks
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
Hi there.
Is it possible to pay off the balance transferred before the 14 month interest free? Or do repayments need to be spread out over the 14 months?
Hi Marys,
Thanks for your question.
Yes, you can repay your entire debt before the 14-month interest-free period ends. With 0% promotional balance transfers, it would be ideal to pay more than the minimum repayment each month so you’ll be able to pay the entire debt by the end of the balance transfer period and avoid interest altogether.
Cheers,
Liezl