St.George Vertigo Classic Card – Rates and Fees

Save with 0% interest for 16 months on balance transfers with the St.George Vertigo Classic card.

The St.George Vertigo Classic is a low rate credit card designed to help you save money on both purchases and existing debt. Cardholders can enjoy up to 55 days interest-free on purchases and a competitive 13.74% p.a. purchase interest rate.

If you're looking to repay existing debt, you can take advantage of 0% p.a. interest on balance transfers for up to 16 months with no balance transfer fee. Apply by 23 January 2019 to take advantage of this offer.

Product NameSt.George Vertigo Classic
Balance transfer rate (p.a.)0% p.a. for 16 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Cash Advance Rate (19.49% p.a.)
Balance Transfer Limit80% of available credit limit
Purchase rate (p.a.)13.74% p.a.
Offer end date23 January 2019
Annual fee$55 p.a.
Interest Free Period
The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date.
Up to 55 days on purchases
Cash advance rate (p.a.)19.49% 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 upon application. This is the maximum credit limit available on this card and you can apply for increases after the account has been opened.
$80,000
Card TypeVisa
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
Minimum Age18 years of age
Available To Temporary ResidentsNo
Joint ApplicationYes
Annual fee$55 p.a.
Minimum Monthly Repayment2% or $10 whichever is greater
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
Cash Advance Fee2% of the value of the transaction or minimum charge of $2.50
Overseas Cash Advance Fee2%
Gambling Transactions AllowedYes
Additional Cardholder Fee$0
Number of Additional Cardholders1

Pros

  • This card offers an introductory balance transfer rate of 0% p.a. for 16 months with no balance transfer fee to help minimise interest repayments.
  • The interest rate on purchases is competitively low.
  • You can get an additional cardholder at no extra cost.

Cons

  • You cannot earn rewards for your spending.

Benefits of using a St.George Vertigo Classic

  • Balance transfer offer. Apply by 23 January 2019 and save money on debt consolidation with a 0% p.a. balance transfer offer for up to 16 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 from up to 3 cards not issued by St.George, BankSA or Bank of Melbourne.
  • Competitive variable purchase rate. The variable interest rate on purchases is 13.74% p.a.
  • Free additional card. Request a secondary St.George Vertigo Classic card for a family member without any additional fees.

Features of the St.George Vertigo Classic

  • Annual fee. This card attracts a standard annual fee of $55.
  • Cash advance rate. If you make a cash withdrawal, cash-equivalent transaction or have debt remaining at the end of the balance transfer period, you will be charged interest at 19.49% p.a.
  • Currency conversion fee. If you use the card overseas or with an international online retailer, you will be charged 3% of the Australian dollar value per transaction.
  • 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.

How to apply for the St.George Vertigo Classic

To start the 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 Classic 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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736 Responses

  1. Default Gravatar
    hannahSeptember 13, 2017

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

    • finder Customer Care
      LouSeptember 13, 2017Staff

      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

  2. Default Gravatar
    MCSeptember 8, 2017

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

    Regards,

    • Default Gravatar
      JonathanSeptember 8, 2017

      Hello MC,

      Thank you for your question.

      Good news, there is none. You may click “Go to Site” green button from this page to proceed with your application.

      Should you wish to check other cards without balance, we have a dedicated page for that.

      Hope this helps.

      Cheers,
      Jonathan

  3. Default Gravatar
    PilotAugust 7, 2017

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

    • finder Customer Care
      MayAugust 7, 2017Staff

      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.

      Cheers,
      May

  4. Default Gravatar
    SeroJuly 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

    • finder Customer Care
      HaroldJuly 31, 2017Staff

      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. – You may want to check the available options here.

      I hope this information has helped.

      Cheers,
      Harold

  5. Default Gravatar
    samJuly 2, 2017

    If my debt I want to transfer is made up of cash adv debt as well as purchase debt, will it all be transferred over as ‘purchase debt’. I just want to ensure the cash adv debt amount that will be transferred will be eligible for the 0%

    • Default Gravatar
      DanielleJuly 3, 2017

      Hi Sam,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      According to St. George, generally a promotional rate will apply to ANY balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period. This means that they do not differentiate between debt ‘types’ as such, they just take the balance as a whole. They recommend you double-check this against the particular card type and promotion terms you’re applying for by asking at a branch or discussing with a Credit Card specialist on their hotline.

      I hope this helps.

      Cheers,
      Danielle

  6. Default Gravatar
    AnnieJune 29, 2017

    Hi. Is there a “balance transfer” fee if I move my credit card debt with another bank to a St George vertigo balance transfer card?
    Thanks

    • Default Gravatar
      JonathanJune 29, 2017

      Hi Annie!

      Good news is there’s none! :)

      If you believe you meet the minimum requirements, you may click “Go to Site” green button to proceed with your application.

      Hope this helps.

      Cheers,
      Jonathan

  7. Default Gravatar
    scott.sJune 15, 2017

    I have a personal loan of around $3,000. Can I put that amount on my current credit card to end the loan and then do the balance transfer to St. George to get this great offer?

    • Default Gravatar
      JonathanJune 16, 2017

      Hi Scott!

      Thanks for the comment.

      Currently, only Citi and Virgin Money allows it. You can check our comparison page for those issuers who allow balance transfer for a personal loan to a credit card.

      Hope this helps.

      Cheers,
      Jonathan

  8. Default Gravatar
    ScottJune 14, 2017

    Hi, does this card offer a balance transfer from a personal loan? If not are there ones that do beside Citibank or Virgin?
    Thank you

    • finder Customer Care
      LouJune 14, 2017Staff

      Hi Scott,

      Thanks for your question.

      Unfortunately, among the credit cards we feature on our website, only Citi and Virgin credit cards allow balance transfer of personal loans.

      Cheers,
      Anndy

  9. Default Gravatar
    NatalieMay 31, 2017

    Hi – is the customer service department based in Australia?
    Many thanks

    • finder Customer Care
      JhezelynJune 1, 2017Staff

      Hi Natalie,

      Thanks for getting in touch with finder.com.au.

      If you are referring to St.George Bank, they are headquartered in Sydney, Australia. Should you want to get in touch with St George Bank, please visit their website or you can contact them directly and have them transfer you to the customer service department.

      Hope this helps.

      Regards,
      Jhezelyn

  10. Default Gravatar
    mezMay 29, 2017

    Hi there.
    Is it possible to pay off the balance transferred before the 14 month interest free? Or do repayments need to be spread out over the 14 months?

    • Default Gravatar
      LiezlMay 29, 2017

      Hi Marys,

      Thanks for your question.

      Yes, you can repay your entire debt before the 14-month interest-free period ends. With 0% promotional balance transfers, it would be ideal to pay more than the minimum repayment each month so you’ll be able to pay the entire debt by the end of the balance transfer period and avoid interest altogether.

      Cheers,
      Liezl

Credit Cards Comparison

Rates last updated November 14th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Low Fee Platinum Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
finder Exclusive: Take advantage of 0% p.a. interest for 25 months on balance transfers with no balance transfer fee.
Citi Platinum Credit Card - Exclusive Offer
0% p.a. for 13 months (reverts to 20.99% p.a.)
0% p.a. for 13 months
$49 p.a. annual fee for the first year ($149 p.a. thereafter)
finder Exclusive:
Save with 0% interest on purchases and balance transfers for 13 months (with no BT fee). Plus, a discounted $49 annual fee for the first year.
Virgin Australia Velocity Flyer Card - Exclusive Offer
0% p.a. for 14 months (reverts to 20.74% p.a.)
0% p.a. for 6 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
finder Exclusive: Save on credit card costs with half the annual fee for the first year and a 0% p.a. interest rate on purchases for 14 months.
American Express Westpac Altitude Platinum Bundle - Qantas - Exclusive Offer
20.24% p.a.
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
finder Exclusive:
Up to 90,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).

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* 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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