St.George Vertigo Visa Card – Rates and Fees

Information verified correct on April 24th, 2017
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Save with 0% interest for 12 months on balance transfers and 0% p.a. on purchases for 6 months with the St.George Vertigo Visa Card.

The St.George Vertigo Visa is a low rate credit card designed to help you save money on both purchases and existing debt. New cardholders can enjoy 0% p.a. interest on purchases for 6 months before the standard variable rate of 13.24% p.a. kicks in.

If you're looking to repay your debt, you can also take advantage of 0% p.a. on balance transfers for 12 months. After that, the low standard variable purchase rate will apply to any balance remaining. Apply before 1 May 2017 to take advantage of these offers.

Product NameSt.George Vertigo Visa
Balance transfer rate (p.a.)0% p.a. for 12 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.)0% p.a. for 6 months (reverts to 13.24% p.a.)
Offer end date1 May 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$15
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$15
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 12 months to help minimise interest repayments.
  • You can save money with its 0% p.a. for 6 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.
  • A variable purchase rate of 13.24% p.a. will apply for the remaining balances after the promotional period ends.

St.George Vertigo Visa Card review

The St.George Vertigo Visa Card is a no-frills option that has a competitive annual fee of $55, a low ongoing variable purchase rate of 13.24% p.a. and up to 55 days interest-free. It also comes with a 0% balance transfer offer for 12 months and a purchase rate offer of 0% p.a. for 6 months when you apply before 1 May 2017.

As a Visa card, you can use the St.George Vertigo for purchases in-store and online at millions of locations worldwide. You can also take advantage of Visa payWave contactless technology and exclusive ticket and lifestyle offers through Visa Entertainment.

Benefits of using a St.George Vertigo Visa

  • Balance transfer offer. Apply before 1 May 2017 and save money on debt consolidation with a 0% balance transfer offer for 12 months.
  • Balance transfer revert rate. While many balance transfer credit cards revert to a high cash advance rate once the introductory period ends, the St.George Vertigo Visa reverts to the low ongoing variable purchase rate of 13.24% p.a. So if you don't pay off your balance by the end of the 0% period, you could still save on interest when compared to other cards.
  • Introductory purchase rate offer. Keep your interest costs to a minimum with 0% on purchases for 6 months. Offer ends on 1 May 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.
  • Convenient card management. You can easily manage your account with Internet or mobile banking. You can also bank over the phone or in a St.George branch.
  • Free additional card. Request a secondary St.George Vertigo Visa Card for a family member without any additional fees.

Features of the St.George Vertigo Visa Credit Card

  • Competitive variable purchase rate. The standard interest rate on purchases is 13.24% p.a. (variable).
  • 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. If you hold other accounts with St.George, your card's Internet and mobile banking account will be linked to them. This allows you to easily manage and monitor all of your accounts in one place.
  • 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 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 Visa 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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713 Responses to St.George Vertigo Visa Card – Rates and Fees

  1. Default Gravatar
    Richard | April 6, 2017

    Re the St George Vertigo card, does the 0% for the first 6 months on purchases mean 0% from the date the card account is started only, or 0% for each purchase from the date of each purchase on a continuous basis? Do purchases include all transactions such as payment for meals?

    • Staff
      Anndy | April 6, 2017

      Hi Richard,

      Thanks for your question.

      The purchase rate of 0% p.a. for 6 months means that for six months from the time of card approval, you’ll not pay any interest on purchases even if you don’t pay your balance in full. After six months, all purchases that are not paid in full at the end of the billing period will attract an interest of 13.24% p.a.

      Cheers,
      Anndy

  2. Default Gravatar
    Erich | March 28, 2017

    Have just received the Vertigo Visa Credit Card as a replacement for my current Visa Credit Card.
    Will I be able to use the same pin with the new card?

    • Staff
      Anndy | March 28, 2017

      Hi Erich,

      Thanks for your question.

      For replacement cards, your existing PIN applies. However, If you wish to change it, you can do so online when you activate your card. You may also change your PIN at a St.George ATM or by visiting your local St.George branch with your card and photo ID.

      Cheers,
      Anndy

  3. Default Gravatar
    Greg | March 23, 2017

    Hi,
    Does the St.George Vertigo Low interest Visa Card have a zero foreign transaction fee?
    And, is there a fee or interest on electronic payments into another account, from this card?

    • Staff
      May | March 23, 2017

      Hi Greg,

      Thank you for your inquiry.

      If you use your St.George Vertigo Visa Card overseas, you’ll be charged 3% Foreign transaction fee as a percentage of the Australian dollar value of any Foreign transaction.

      Also, when you do an electronic payment to another account, that would be treated as a cash advance transaction, so the fees that will be charged to your account are cash advance fee of 2% of the cash advance amount with a $2.50 minimum as well as cash advance interest of 21.49% p.a.

      Cheers,
      May

  4. Default Gravatar
    Ben | February 27, 2017

    Some institutions offer a cheque in the place of a balance transfer. Is this the case for this card?

    • Staff
      Anndy | February 28, 2017

      Hi Ben,

      Thanks for your question.

      For St. George, if you are approved for a balance transfer, they will take care of paying your old credit card provider, so basically, its a bank-to-bank transaction.

      If you are looking to get a cheque for the balance transfer amount, Citi offers this. If you choose to receive the funds via cheque, these can be sent to your residential address or straight to the financial institution of your choice. You can compare Citi balance transfer cards here.

      Cheers,
      Anndy

  5. Default Gravatar
    Paul | February 14, 2017

    Can i balance transfer from 2 different credit cards/institutions to the single card?

    • Staff
      Anndy | February 14, 2017

      Hi Paul,

      Thanks for your question.

      Yes, generally, you can transfer balances from multiple credit cards to a new card. Please note that the total amount that you can move will depend on your approved credit limit on the new card.

      You may compare balance transfer credit cards on this page.
      Additionally, you can check this page to know where you can balance transfer to.

      Cheers,
      Anndy

  6. Default Gravatar
    John | February 5, 2017

    Hi,
    I already have an Ignite card due to expire in April 2017. Can I roll this balance into a St George Vertigo visa card even though both cards are under Westpac?
    John

    • Staff
      May | February 5, 2017

      Hi John,

      Thank you for your inquiry.

      Just to confirm, are you transferring your balance/existing debt from your Ignite card to this St.George Vertigo Visa? If so, I’m afraid that may not be possible, as you cannot conduct a balance transfer between cards that are underwritten by the same institution. For your guide, please refer to this page.

      Meantime, if you wish to compare your other balance credit card options, please check these page.

      Hope this helps.

      Cheers,
      May

  7. Default Gravatar
    Rachel | January 31, 2017

    Hi,
    Do this card have transfer fee for balance transfer? And also can the balance on my husband’s card (comm Bank) be transferred to this card (wife’s card) .
    Thanks,
    Rachel

    • Staff
      May | January 31, 2017

      Hi Rachel,

      Thank you for your inquiry.

      Yes, this St.George Vertigo Visa offers balance transfer with 0% p.a. for 18 months. This also allows a balance transfer from your husband’s CBA credit card. You can find more information on how to conduct a balance transfer for someone else’s debt on this page.

      Cheers,
      May

  8. Default Gravatar
    Noel | January 12, 2017

    Hello

    I am looking at the St George Vertigo Visa Card to consolidate debt – I have 2 other credit cards which I want to transfer. Can I apply for a credit balance which will clear these 2 credit cards or will I only get a percentage of the outstanding debt? I am currently have a bank account with St George but not a credit card.

    Thanks :-)

  9. Default Gravatar
    Nifty | January 11, 2017

    Hi , I am a Current St-George Bank Master-Card customer ,
    My Question is :
    Is the St-George VERTIGO Visa Card O % ( ZERO % ) interest on purchase transferred for 18 months available to a Current St-George Master-Card customer ?
    OR is it only for a New St-George customers ? ? .
    Thank’s
    Cheers
    Nifty

    • Staff
      May | January 11, 2017

      Hi Nifty,

      Thanks for your question.

      Unfortunately, it’s not possible to transfer a balance between credit cards underwritten by the same institution and this is applicable for all credit cards. Also, the balance transfer is usually offered to new customers applying for the card.

      So I’m afraid that you’re not able to transfer your balance from your St. George credit card to another St. George card or to any credit cards issued by Westpac including BankSA and BoM. You can find more information about which bank you can transfer your balance to and from on this page.

      Cheers,
      May

  10. Default Gravatar
    Chad | December 6, 2016

    Hi there
    Am I able to transfer my wife’s credit card balance onto this credit card in my name. And if so, how many credit cards/ balances am I able to transfer over? Thanks

    • Staff
      Anndy | December 6, 2016

      Hi Chad,

      Thanks for your question.

      Yes, St. George does allow balance transfer between two people’s name. But note that you can’t transfer a balance from an existing Westpac Group card (BankSA, Bank of Melbourne, St.George). The amount that you can transfer is up to 95% of your available credit limit.

      You may want to check other credit cards that allow transfer between different names here.

      Cheers,
      Anndy

Credit Cards Comparison

Rates last updated April 24th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first three months. Plus, save with a long-term balance transfer offer and a reduced annual fee in the first year.
20.74% p.a. 0% p.a. for 18 months with 1.5% balance transfer fee $64 p.a. annual fee for the first year ($129 p.a. thereafter) 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
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
NAB Premium Card
An introductory rate of 0% p.a. for 24 months on balance transfers combined with premium benefits such as travel insurance covers.
19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 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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