Save with 0% interest for 18 months on balance transfers and a $0 annual fee for the first year 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. Cardholders can enjoy 55 days interest-free on purchases and a $0 annual fee for the first year.
If you're looking to repay your debt, you can take advantage of 0% p.a. on balance transfers for 18 months. After that, the variable cash advance rate will apply to any balance remaining. Apply by 18 April 2018 to take advantage of these offers.
|Product Name||St.George Vertigo Visa|
|Balance transfer rate (p.a.)||0% p.a. for 18 months with 1% balance transfer fee|
|Balance Transfer Revert Rate|
The interest rate after the balance transfer ends.
|Cash Advance Rate (21.49% p.a.)|
|Balance Transfer Limit||80% of available credit limit|
|Purchase rate (p.a.)||13.24% p.a.|
|Offer end date||18 April 2018|
|Annual fee||$0 p.a. annual fee for the first year ($55 p.a. thereafter)|
|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.
|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.
|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 Insurance||No|
|Minimum Age||18 years of age|
|Available To Temporary Residents||Yes - Conditions apply|
|Credit Rating Requirement||Good|
|Annual fee||$0 p.a. annual fee for the first year ($55 p.a. thereafter)|
|Minimum Monthly Repayment||2% or $10 whichever is greater|
|Late Payment Fee||$15|
|Cash Advance Fee||2% of the value of the transaction or minimum charge of $2.50|
|Overseas Cash Advance Fee||2%|
|Foreign Currency Conversion Fee|
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.
|Gambling Transactions Allowed||Yes|
|Additional Cardholder Fee||$0|
|Number of Additional Cardholders||1|
- This card offers an introductory balance transfer rate of 0% p.a. for 18 months to help minimise interest repayments.
- Enjoy a $0 annual fee in the first year.
- The interest rate on purchases is one of the lowest in the market.
- You can get an additional cardholder at no extra cost.
- You cannot earn rewards for your spending.
- A one-time 1% balance transfer fee applies.
St.George Vertigo Visa Card review
The St.George Vertigo Visa Card is a no-frills option that offers a $0 first year annual fee, a low ongoing variable purchase rate of 13.24% p.a. and up to 55 days interest-free. It also comes with a 0% p.a. balance transfer offer for 18 months with a one-time 1% balance transfer fee when you apply by 18 April 2018.
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 by 18 April 2018 and save money on debt consolidation with a 0% p.a. balance transfer offer for 18 months. A one-time 1% balance transfer fee applies. Any remaining balance after the promotional period ends is subject to the cash advance rate.
- Waived first year annual fee. When you apply and are approved before 18 April 2018, the first year's annual fee will be waived, saving you $55.
- 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. This card attracts a standard 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 a fraud monitoring service. 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.
- Age. You must be 18 years of age or older.
- Residency status. You must be an Australian citizen or permanent resident to apply.
- 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.Back to top