St.George Vertigo Classic Card
Save with 0% interest on purchases and balance transfers and a waived first year annual fee with the St.George Vertigo card.
The Vertigo Classic card is a low rate card designed to help you save on costs, with a $0 annual fee for the first year. If you apply by 30 September 2020, you can also take advantage of an introductory 0% p.a. on purchases for 7 months and 0% p.a. on balance transfers for 22 months, with a 1.5% balance transfer fee.
0% p.a.
Balance transfer rate
for 22 months with 1.5% balance transfer fee
0% p.a.
Purchase rate
for the first 7 months (reverts to 13.99% p.a.)
$0 p.a.
Annual fee
for the first year ($55 p.a. thereafter)
55 days
Interest free period
Details
| Product Name | St.George Vertigo Classic |
|---|---|
| Balance transfer rate | 0% p.a. for 22 months with 1.5% balance transfer fee |
| Balance Transfer Revert Rate | Cash Advance Rate (21.49% p.a.) |
| Balance Transfer Limit | 80% of available limit |
| Purchase rate (p.a.) | 0% for 7 months, reverts to 13.99% p.a. |
| Annual fee | $0 p.a. annual fee for the first year ($55 p.a. thereafter) |
| Interest free period | 55 days |
| Cash advance rate (p.a.) | 21.49% p.a. |
| Min credit limit | $500 |
| Max credit limit | $80,000 |
| Card type | Visa |
| Foreign currency conversion fee (Visa/Mastercard) | 3% |
| Complimentary travel insurance | Yes |
| Minimum age | 18 years of age |
|---|---|
| Available to temporary residents | Yes - Conditions apply |
| Joint application | Yes - Conditions apply |
Pros
- $0 annual fee for the first year ($55 p.a. thereafter)
- Balance transfer rate of 0% p.a. for the first 22 months
- Purchase rate of 0% p.a. for the first 7 months (reverts to 13.99% p.a.)
- Additional cardholder at no extra cost
Cons
- Charges a one-time 1.5% balance transfer fee
- No rewards program
- Does not offer travel perks or insurance covers
| Annual fee | $0 p.a. annual fee for the first year ($55 p.a. thereafter) |
|---|---|
| Minimum monthly repayment | 2% of the closing balance or $10, whichever is greater |
| Late payment fee | $15 |
| Foreign currency conversion fee (Visa/Mastercard) | 3% |
| Cash Advance Fee | 2% or $2.50, whichever is greater |
| Overseas cash advance fee | 2% of the value of the transaction or minimum charge of $2.50 |
Expert review
Review by
Sally McMullen
sally.mcmullen@finder.com.auSally McMullen is a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.
