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St.George Vertigo Classic Card

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Sally McMullen
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Save with a 0% interest rate on balance transfers for 28 months with no balance transfer fee.

The Vertigo Classic card is a low rate card designed to help you save on costs, with its $55 annual fee and a competitive interest rate of 13.99% p.a. on purchases. If you apply by 28 September 2021, you can also take advantage of an introductory 0% p.a. on balance transfers for 28 months with no balance transfer fee.

0% p.a.

Balance transfer rate

for 28 months

13.99% p.a.

Purchase rate

$55 p.a.

Annual fee

55 days

Interest free period

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Details

Product NameSt.George Vertigo Classic
Balance transfer rate0% p.a. for 28 months
Balance transfer revert rateCash Advance Rate (21.49% p.a.)
Balance transfer limit80% of available limit
Purchase rate13.99% p.a.
Annual fee$55
Interest-free periodUp to 55 days on purchases
Cash advance rate21.49% p.a.
Min credit limit$500
Max credit limit$80,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsYes - Conditions apply
Joint applicationYes - Conditions apply

Pros

  • Balance transfer rate of 0% p.a. for the first 28 months with no BT fee
  • Competitive purchase interest rate of 13.99% p.a.
  • Additional cardholder at no extra cost

Cons

  • The balance transfer rate reverts to the 21.49% p.a. cash advance rate at the end of the introductory period
  • No rewards program
  • Does not offer travel perks or insurance covers
Bonus pointsN/A
Annual fee$55
Minimum monthly repayment2% of the closing balance or $10, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%
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

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Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

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 offers a long interest-free balance transfer offer, without having to pay any balance transfer fee. The low annual fee will also help minimise your overall card costs.

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

  • Eligible balance transfer. If you're interested in taking advantage of the balance transfer offer, it is important to note that any balance transfer debt needs to be from a card (or cards) that are not issued by St.George, Bank of Melbourne, or BankSA. You are allowed to transfer from $200 up to 80% of your credit limit.
  • Residency. To apply online, you must be an Australian citizen or permanent resident.
Go to St.George's siteMore info

Card benefits

  • 0% p.a. on balance transfers for 28 months. Apply by 28 September 2021 and save money when paying off your credit card debt with 0% p.a. balance transfer offer for the first 28 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

    Default Gravatar
    sunil
    October 25, 2019

    What is covered by the Complimentary Travel Insurance?

    Reply
      Default Gravatar
      Ash
      October 27, 2019

      Hi Sunil,

      Thanks for contacting Finder.

      Some of the coverage offered by the St.George complimentary travel insurance is medical and hospital, loss, and damage of personal property, and cancellation of travel expenses.

      I hope this helps.

      Cheers,
      Ash

      Reply
    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
      Avatarfinder Customer Care
      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
    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.

      The good news, there is none. You may press the “Go to Site” green button from this page to proceed with your application.

      You may check our No fee balance transfer credit cards page if you wish to check other cards that will help you pay off your credit card debt without any interest or extra balance transfer fees.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.

      Hope this helps.

      Cheers,
      Jonathan

      Reply
    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
      Avatarfinder Customer Care
      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
    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
      Avatarfinder Customer Care
      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. Please read more about which banks you can transfer your balance to.

      I hope this information has helped.

      Cheers,
      Harold

      Reply
    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
    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
    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
    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
      Avatarfinder Customer Care
      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
    Default Gravatar
    Natalie
    May 31, 2017

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

    Reply
      Avatarfinder Customer Care
      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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