St.George Vertigo Classic Card

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.

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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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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


  • 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


  • 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

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.

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.

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    Default Gravatar
    October 25, 2019

    What is covered by the Complimentary Travel Insurance?

      Default Gravatar
      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.


    Default Gravatar
    September 13, 2017

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

      Avatarfinder Customer Care
      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.


    Default Gravatar
    September 8, 2017

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


      Default Gravatar
      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.


    Default Gravatar
    August 7, 2017

    How long do I need to keep the card for, if I pay it off in 14 months?

      Avatarfinder Customer Care
      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.


    Default Gravatar
    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

      Avatarfinder Customer Care
      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.


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