St.George Vertigo Card

A no-frills credit card offering 0% interest on balance transfers for 30 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. It offers a 0% p.a. balance transfer rate for 30 months when you apply and get approved by 30 November 2021. It doesn't charge a balance transfer fee and also features a $0 annual fee in the first year (going up to $55 after that).

This card also has a 13.99% p.a. interest rate for new purchases and offers up to 55 days interest-free. And unlike a lot of other cards on the market, you'll still get interest-free days on new purchases while you have a balance transfer.

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Amy Bradney-George

Last Updated Jun 28, 2021

0% p.a.

Balance transfer rate

for 30 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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Details

Product Name	St.George Vertigo Card
Balance transfer rate	0% p.a. for 30 months
Balance transfer revert rate	Cash Advance Rate (21.49% p.a.)
Balance transfer limit	80% of available limit
Purchase rate	13.99% p.a.
Annual fee	$0 annual fee for the first year ($55 p.a. thereafter)
Interest-free period	Up to 55 days on purchases
Cash advance rate	21.49% p.a.
Min credit limit	$500
Max credit limit	$80,000
Card type	Visa
Foreign currency conversion fee	3%

Available to temporary residents	Yes - Conditions apply
Joint application	Yes - Conditions apply

Pros

Balance transfer rate of 0% p.a. for the first 30 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

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

Bonus points	N/A

Annual fee	$0 annual fee for the first year ($55 p.a. thereafter)
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	2% or $2.50, whichever is greater
Overseas cash advance fee	2% of the value of the transaction or minimum charge of $2.50

Go to St.George Bank's site More info

Review by

Amy Bradney-George

[email protected]

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

If you want to cut interest costs and repay your existing credit card debt faster, the St.George Vertigo Card currently offers 30 months interest-free on balance transfers with no balance transfer fee. The $0 first-year annual fee will 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.

If you’re planning to shop with a credit card, the St.George Vertigo Card also offers an interest rate of 13.99% p.a. for purchases when you carry a balance from month to month. This is 5.95% lower than the average standard credit card interest rate according to the RBA. But you should avoid spending on the card if you want to pay off your balance transfer in full before the 0% introductory period ends. Otherwise, a 21.49% p.a. interest rate will apply to any balance transfer debt that’s left after the 30-month introductory period.

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

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.
Residency. To apply online, you must be an Australian citizen or permanent resident.

Age. You must be at least 18 years old to apply.
New cardholder. The balance transfer offer is only available when you apply for the St.George Vertigo Classic Card as a new cardholder before 30 November 2021.

Required documents

Personal details. This may include your full name, contact information and proof of your identity such as your Australian driver's licence, Medicare card, passport, Australian birth certificate or NSW photo card.
Employment. This includes your role, the length of your employment and your employer's name and contact details.
Finances. You'll be asked to confirm your annual income, plus details of your savings, investment and assets.
Balance transfer information. If you're requesting a balance transfer, you'll need to provide details regarding the accounts you're moving it from and the size of debt you're transferring.

Go to St.George's site More info

Card benefits

0% p.a. on balance transfers for 30 months. Apply by 30 November 2021 and include your balance transfer request as part of the application to get 0% p.a. on balance transfers for 30 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 30 November 2021 to save with a $0 annual fee for the first year (reverts to $55 thereafter).

Competitive purchase rate. The variable interest rate on purchases is 13.99% p.a.
Free additional card. Request a secondary St.George Vertigo Classic card for a family member without paying any additional fees.
Mobile payments. Use your phone or other compatible Apple, Android or Samsung devices to make tap and go payments. Simply add this card to your Apple Pay, Google Pay or Samsung Pay wallet.

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.

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.
Interest-free period. This card offers you up to 55 days interest-free on new purchases when you pay your monthly payment balance listed on your statement in full by the payment due date. Note that these interest-free days are separate from any longer-term interest rate promotions and the monthly payment balance excludes current balance transfers.

Go to St.George's site More info

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738 Comments

sunil
October 25, 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

hannah
September 13, 2017

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

finder Customer Care

Dee
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 8, 2017

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

Regards,

Jonathan
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.

Cheers,
Jonathan

Pilot
August 7, 2017

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

finder Customer Care

May
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.

Cheers,
May

Sero
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

finder Customer Care

Harold
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.

Cheers,
Harold

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St.George Vertigo Card