St.George Vertigo Classic
- 0% p.a. for 16 months on balance transfers
Offer ends 22 May 2019
Eligibility criteria, terms and conditions, fees and charges apply
Save with 0% interest for 16 months on balance transfers with the St.George Vertigo Classic card.
The St.George Vertigo Classic is a low rate credit card designed to help you save money on both purchases and existing debt. Cardholders can enjoy up to 55 days interest-free on purchases and a competitive 13.74% p.a. purchase interest rate.
If you're looking to repay existing debt, you can take advantage of 0% p.a. interest on balance transfers for up to 16 months with no balance transfer fee. Apply by 22 May 2019 to take advantage of this offer.
| Product Name | St.George Vertigo Classic |
|---|---|
| Balance transfer rate | 0% p.a. for 16 months |
| Balance transfer revert rate The interest rate that will apply to any remaining balance after the balance transfer term ends. | Cash Advance Rate (19.49% p.a.) |
| Balance Transfer Limit | 80% of available credit limit |
| Purchase rate (p.a.) | 13.74% p.a. |
| Offer end date | 22 May 2019 |
| Annual fee | $55 p.a. |
| Interest Free Period The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date. | Up to 55 days on purchases |
| Cash advance rate (p.a.) | 19.49% p.a. |
| Min credit limit This is the lowest credit limit you can be granted. It is possible to request a higher credit limit but not a lower one than this figure. | $500 |
| Max credit limit This is the maximum credit limit available on this card and you can apply for increases after the account has been opened. This credit limit may not be issued to you immediately upon application. | $80,000 |
| Card Type | Visa |
| Foreign Currency Conversion Fee (VISA) Charged when you make a transaction that is converted by Visa 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 |
| Minimum Age | 18 years of age |
|---|---|
| Available To Temporary Residents | No |
| Joint Application | Yes |
| Annual fee | $55 p.a. |
|---|---|
| Minimum Monthly Repayment | 2% or $10 whichever is greater |
| Late Payment Fee | $15 |
| Foreign Currency Conversion Fee (VISA) Charged when you make a transaction that is converted by Visa 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 |
| Cash Advance Fee | 2% of the value of the transaction or minimum charge of $2.50 |
| Overseas Cash Advance Fee | 2% |
| Gambling Transactions Allowed | Yes |
| Additional Cardholder Fee | $0 |
| Number of Additional Cardholders | 1 |
Pros
- This card offers an introductory balance transfer rate of 0% p.a. for 16 months with no balance transfer fee to help minimise interest repayments.
- The interest rate on purchases is competitively low.
- You can get an additional cardholder at no extra cost.
Cons
- You cannot earn rewards for your spending.
Benefits of using a St.George Vertigo Classic
- Balance transfer offer. Apply by 22 May 2019 and save money on debt consolidation with a 0% p.a. balance transfer offer for up to 16 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 from up to 3 cards not issued by St.George, BankSA or Bank of Melbourne.
- Competitive variable purchase rate. The variable interest rate on purchases is 13.74% p.a.
- Free additional card. Request a secondary St.George Vertigo Classic card for a family member without any additional fees.
Features of the St.George Vertigo Classic
- Annual fee. This card attracts 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 19.49% p.a.
- Currency conversion fee. If you use the card overseas or with an international online retailer, you will be charged 3% of the Australian dollar value per transaction.
- 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.
How to apply for the St.George Vertigo Classic
To start the 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 Classic 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