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 30 April 2024. It charges a $55 annual fee.
St.George Vertigo Card

- Balance transfer rate for 32 months with no balance transfer fee
- 0% p.a.
- Purchase rate
- 13.99% p.a.
- Annual fee
- $55 p.a.
- Interest-free on purchases
- Up to 55 days
Our verdict
A no-frills credit card offering 0% interest on balance transfers for 32 months, with a $55 annual fee.
Pros
-
Balance transfer rate of 0% p.a. for the first 32 months, with no BT fee
-
A low ongoing annual fee
-
Competitive purchase interest rate of 13.99% p.a.
-
Additional cardholder at no extra cost
Cons
-
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
Details
Product details
Product Name | St.George Vertigo Card |
Balance transfer rate p.a. | 0% for 32 months, then 21.49% |
Balance transfer limit | 80% of available limit |
Purchase rate p.a. | 13.99% |
Interest-free period | Up to 55 days on purchases |
Cash advance rate p.a. | 21.49% |
Min credit limit | $500 |
Max credit limit | $80,000 |
Card type | Visa |
Eligibility
Available to temporary residents | Yes - Conditions apply |
Joint application | No |
Rewards
Bonus points | N/A |
Fees
Annual fee | $55 |
Minimum monthly repayment | 2% of the closing balance or $10, whichever is greater |
Late payment fee | $15 |
Foreign currency conversion fee | 3% |
Cash advance fee | 3% |
Overseas cash advance fee | 3% of each cash advance amount |
Additional cardholder fee | $0 |
Your reviews

Amy Finder
Editor
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Amy Bradney-George Finder
May 29, 2023
Hi Jenni,
Unfortunately, St.George does not offer joint credit card accounts. Balance transfers typically need to be from accounts that are under the same name as the primary cardholder, but it could be worth calling St.George on 13 33 30 to ask if you could transfer both balances to a new card in one of your names. Alternatively, you can compare other debt consolidation options that offer the flexibility to pay off credit cards and other debts held under different names. I hope that helps.
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gabby
February 22, 2023
i am wanting a low rate credit card , I have about a $4000 purchase for dental and medical for wisdom teeth removal + I owe my parents some money about $7000, can i transfer from my credit card to my parents account and pay in full?

Amy Bradney-George Finder
March 03, 2023
Hi Gabby,
Credit cards don’t typically allow you to transfer money to a bank account. If you want to borrow money that you can transfer, getting a personal loan is one option you could consider. I hope that helps.

Sunil
October 24, 2019
What is covered by the Complimentary Travel Insurance?

Ash
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.
Cheers,
Ash
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Hannah
September 12, 2017
can you please give me at least 3 disadvantages of using the Vertigo card. I am doing an assessment.
Anndy Lou Finder
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.
Cheers,
Anndy

MC
September 08, 2017
Could you please advise any balance transfer fees charge by this credit card?
Regards,

Jonathan
September 08, 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.
Cheers,
Jonathan
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Jenni
May 25, 2023
My husband and I have separate cards can we apply for a joint card and transfer both balances across to the new card