St.George Vertigo Card – Purchase Offer

A no-frills credit card offering 0% interest on purchases for 18 months and a $0 annual fee for the first year.

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 an introductory rate of 0% p.a. on purchases for the first 18 months when you apply by 24 February 2022. At the end of the introductory period, a 13.99% p.a. interest rate applies to purchases, which is competitive with other low rate credit cards. It also offers a $0 annual fee in the first year which goes up to $55 after that.

0% p.a.

Purchase rate

for the first 18 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

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Details

Product NameSt.George Vertigo Card - Purchase Offer
Balance transfer limit80% of available limit
Purchase rate0% p.a. for 18 months, reverts to 13.99% p.a.
Annual fee$0 annual fee for the first year ($55 p.a. 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

Pros

  • 0% p.a. on purchases for 18 months
  • $0 annual fee for the first year
  • Additional cardholder at no extra cost

Cons

  • No introductory balance transfer offer
  • No rewards program
  • Does not offer travel perks or insurance covers
Bonus pointsN/A
Annual fee$0 annual fee for the first year ($55 p.a. 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 Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The St.George Vertigo Card’s introductory offer gives you a 0% interest rate on purchases for the first 18 months, which could be handy if you have upcoming expenses you want to charge to the card. After the introductory period, a 13.99% p.a. interest rate applies to purchases, which is 5.95 percentage points lower than the average standard credit card interest rate according to the RBA.

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 purchase offer is only available when you apply for the St.George Vertigo Classic Card as a new cardholder before 24 February 2022.
  • Residency. To apply online, you must be an Australian citizen or permanent resident.

Card benefits

  • 0% p.a. on purchases for 18 months. Get a 0% p.a. interest rate on purchases for the first 18 months when you apply by 24 February 2022. A variable purchase rate of 13.99% p.a. applies to your purchase balance after that period.
  • $0 first-year annual fee. Apply and get approved by 24 February 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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