In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert
Finder makes money from featured partners, but editorial opinions are our own.
St.George Vertigo Card
Terms and conditions apply
Balance transfer rate for 32 months with no balance transfer fee
0% p.a.
Purchase rate
13.99% p.a.
Annual fee
$55 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

A no-frills credit card offering 0% interest on balance transfers for 32 months, with a $55 annual fee.

If you want to cut interest costs and repay your existing credit card debt faster, the St.George Vertigo Card currently offers 32 months interest-free on balance transfers with no balance transfer fee. This card has a $55 annual fee, which is still on the lower end of the scale.

Pros

  • Balance transfer rate of 0% p.a. for the first 32 months, with no BT fee
  • A low ongoing annual 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

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert

The St.George Vertigo is a low rate card suited to people looking for just the basics when it comes to a credit card. Right now, it has a long 0% balance transfer offer that gives you 32 months to pay off existing balances interest-free when you apply by 30 April 2024. It charges a $55 annual fee.

Details

Product details

Product Name St.George Vertigo Card
Balance transfer rate p.a. 0% for 32 months, then 21.49%
Balance transfer limit 80% of available limit
Purchase rate p.a. 13.99%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 21.49%
Min credit limit $500
Max credit limit $80,000
Card type Visa

Eligibility

Available to temporary residents Yes - Conditions apply
Joint application No

Rewards

Bonus points N/A

Fees

Annual fee $55
Minimum monthly repayment 2% of the closing balance or $10, whichever is greater
Late payment fee $15
Foreign currency conversion fee 3%
Cash advance fee 3%
Overseas cash advance fee 3% of each cash advance amount
Additional cardholder fee $0

How to apply

You can apply for the St.George Vertigo Card in 10 minutes and receive a response instantly. Before you apply, make sure you meet the eligibility requirements and have the necessary details to complete the application:

Eligibility criteria

  • New cardholder. The balance transfer offer is only available when you apply for the St.George Vertigo Classic Card as a new cardholder before 30 April 2024.
  • Eligible balance transfer. If you're interested in 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.

Card benefits

  • 0% p.a. on balance transfers for 32 months. Apply by 30 April 2024 and include your balance transfer request as part of the application to get 0% p.a. on balance transfers for 32 months, with no balance transfer fee. Any remaining balance after the promotional period ends is subject to the cash advance rate, currently 21.49% p.a. 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 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.

Your reviews

Not enough reviews Write a review

Ask an expert

Ask a question
Avatar

Amy Finder

Editor

Hi there, looking for more information? Ask us a question.

Error label

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked
Accept and continue

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.

Avatar

Jenni

May 25, 2023

My husband and I have separate cards can we apply for a joint card and transfer both balances across to the new card


Avatar

Amy Bradney-George Finder

May 29, 2023

Hi Jenni,

Unfortunately, St.George does not offer joint credit card accounts. Balance transfers typically need to be from accounts that are under the same name as the primary cardholder, but it could be worth calling St.George on 13 33 30 to ask if you could transfer both balances to a new card in one of your names. Alternatively, you can compare other debt consolidation options that offer the flexibility to pay off credit cards and other debts held under different names. I hope that helps.


Show more Show less
Avatar

gabby

February 22, 2023

i am wanting a low rate credit card , I have about a $4000 purchase for dental and medical for wisdom teeth removal + I owe my parents some money about $7000, can i transfer from my credit card to my parents account and pay in full?


Avatar

Amy Bradney-George Finder

March 03, 2023

Hi Gabby,

Credit cards don’t typically allow you to transfer money to a bank account. If you want to borrow money that you can transfer, getting a personal loan is one option you could consider. I hope that helps.


Avatar

Sunil

October 24, 2019

What is covered by the Complimentary Travel Insurance?


Avatar

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


Show more Show less
Avatar

Hannah

September 12, 2017

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


Avatar

Anndy Lou Finder

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


Avatar

MC

September 08, 2017

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


Regards,


Avatar

Jonathan

September 08, 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


Show more Show less
Go to site