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St.George Vertigo Card

A no-frills credit card offering 0% interest on balance transfers for 32 months and a $0 first-year annual fee.

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 31 August 2022. It doesn't charge a balance transfer fee and also offers a $0 annual fee in the first year (going up to $55 after that).

5.0 ★★★★★ (1 review) Write a review

0% p.a.

Balance transfer rate

for 32 months

13.99% p.a.

Purchase rate

$0 p.a.

Annual fee

for the first year ($55 p.a. thereafter)

55 days

Interest free period

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Product NameSt.George Vertigo Card
Balance transfer rate p.a.0% for 32 months
Balance transfer revert rateCash Advance Rate (21.49% p.a.)
Balance transfer limit80% of available limit
Purchase rate p.a.13.99%
Annual fee$0 for the first year ($55 thereafter)
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 applicationNo


  • Balance transfer rate of 0% p.a. for the first 32 months with no BT fee
  • $0 annual fee for the first year
  • 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$0 for the first year ($55 thereafter)
Minimum monthly repayment2% of the closing balance or $10, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%
Cash advance fee3%
Overseas cash advance fee2%

Review by

Amy has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. She is also the editorial lead for Finder Green, covering sustainability across different industries. Her work has appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy also has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

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. The $0 first-year annual fee also helps cut your card costs in the short-term. After the first year, there is a $55 annual fee, which is still on the lower end of the scale.

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 31 August 2022.
  • 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 31 August 2022 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.
  • $0 first-year annual fee. Apply and get approved by 31 August 2022 to save with a $0 annual fee for the first year (reverts to $55 thereafter).

Rates & fees

  • Annual fee. Outside of any promotions, 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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  1. 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.


  2. 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.


  3. 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.


  4. 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.


  5. 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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