St.George Vertigo Visa Card – Rates and Fees

Information verified correct on December 4th, 2016
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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 1% p.a. interest on purchases for 12 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.)1% p.a. for 12 months (reverts to 13.24% p.a.)
Offer end date4 January 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$9
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$9
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 1% p.a. for 12 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.
  • Cash advance rate 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 1% p.a. for up to 12 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 4 January 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 1% on purchases for 12 months. Offer ends on 4 January 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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693 Responses to St.George Vertigo Visa Card – Rates and Fees

  1. 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

  2. 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 mounths 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

  3. 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

  4. 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

  5. Default Gravatar
    Sc | October 25, 2016

    Hi can I apply for a combined application for this credit card?

    • Staff
      Ysa | October 25, 2016

      Hi Sc,

      Thanks for your question.

      Yes. St.George allows joint applications for their credit cards.

      Cheers,
      Ysa

  6. Default Gravatar
    S | October 21, 2016

    Hi! Can I transfer my outstanding balance from my Gem Visa card to a St. George Balance Transfer card? How much time is left remaining on your 0% interest for 18 months offer?

    Thanks!

    • Staff
      Jason | October 21, 2016

      Hi S.

      Thank you for your inquiry.

      Yes, you can transfer your outstanding balance from your Gem Visa card to a St. George Vertigo Visa card. The 0% Balance transfer interest for the first 18 months offer is valid until January 4, 2017.

      Cheers,
      Jason

  7. Default Gravatar
    ANB | October 18, 2016

    Hello! I own my own company and have a business credit card but the actual name on the card is my own name. Can I transfer the balance to this St. George card (which I would apply under my name)? Also, do I need to have the purchase showing on my existing card before I apply for this card in order to qualify for the 0% balance transfer or can I hold off making the big purchase to check if my application for this card will be approved? Also, please confirm if there is no transfer fee.

    Many thanks,
    ANB

    • Staff
      Jason | October 20, 2016

      Hi ANB.

      Thank you for your inquiry.

      You can apply for a St. George Vertigo Visa Card as long as you meet the eligibility and application requirements. Just provide your income information, details of your savings, investment and assets, contact information and proof of your identity such as your driver’s licence. The 0% Balance transfer rate for the first 18 months will automatically apply if your credit card application is approved before January 4, 2017. There will be no transfer fee to this card if you made the transfer during the first 18 months after getting the card. Please click this link to apply for a St. George Vertigo Visa Card.

      Cheers,
      Jason

  8. Default Gravatar
    | September 13, 2016

    Hi,

    I have a balance at Toyota finance after purchase a car, I want to finish the last payment before December 2016, Can I transfer that money to a new credit card as a balance transfer.?

    Sanje

    • Staff
      Jonathan | September 22, 2016

      Hi Sanje, thanks for your inquiry!

      Since Toyota finance loans qualify as a personal loan you can balance transfer it to a new credit card with specific providers.

      Cheers,

      Jonathan

  9. Default Gravatar
    Sharon | September 9, 2016

    We already have a St George card which is fully paid. Are we able to transfer balances from our ANZ card for your offer of 0% interest or does this only apply to new applications?

    • Staff
      Ally | September 21, 2016

      Hello Sharon,

      Thanks for your inquiry.

      You can take advantage of the 0% p.a. for 18 months balance transfer offer if you’re able to get your St. George Vertigo Visa card between 24 June 2016 and 29 September 2016.

      Nonetheless, you can still transfer balances from your ANZ card, but the balance transfer rate will depend on the offer at the time you were able to secure your St. George card. If there was no offer, then the purchase rate would simply apply, which is currently at 13.24% p.a.

      I hope this answers your question.

      Cheers,
      Ally

  10. Default Gravatar
    Kirra | September 6, 2016

    Hi can a company apply for this credit card?

    • Staff
      Anndy | September 6, 2016

      Hi Kirra,

      Thanks for your question.

      The St. George Vertigo Visa Card is available only for individuals. If you are looking for a business credit card, you can compare your options here.

      Cheers,
      Anndy

Credit Cards Comparison

Rates last updated December 4th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. Go to site More info

* 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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