In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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St.George Vertigo Card
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Terms and conditions apply
Balance transfer rate for 28 months with no balance transfer fee
0.99% 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 0.99% interest on balance transfers for 28 months, with no balance transfer fee and a $55 annual fee.

If you want to cut interest costs and repay existing credit card debt faster, the St.George Vertigo Card offers 0.99% p.a. interest rate for the first 28 months on balance transfers with no balance transfer fee and a $55 annual fee, which is still on the lower end of the scale.

Pros

  • Balance transfer rate of 0.99% p.a. for the first 28 months, with no balance transfer fee
  • A low ongoing annual fee
  • Shopping cashbacks through ShopBack
  • Competitive purchase interest rate of 13.99% p.a.
  • Additional cardholder at no extra cost

Cons

  • Balance transfer rate reverts to 21.99% p.a. at the end of the introductory period
  • No rewards program, travel perks and insurance covers

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

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 0.99% balance transfer offer that gives you 28 months to pay off existing balances when you apply by 30 November 2024.

Details

Product details

Product Name St.George Vertigo Card
Balance transfer rate p.a. 0.99% for 28 months, then 21.99%
Balance transfer limit 80% of available limit
Purchase rate p.a.
Purchase rate p.a.
13.99%
Interest-free period
Up to 55 days on purchases
Cash advance rate p.a. 21.99%
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
Annual fee
$55
Minimum monthly repayment 2% of the closing balance or $10, whichever is greater
Late payment fee $15
Foreign currency conversion fee
Foreign currency conversion fee
3%
Cash advance fee 3%
Overseas cash advance fee 3% of each cash advance amount
Additional cardholder fee $0

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 Card as a new cardholder before 30 November 2024.
  • 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

  • 0.99% p.a. on balance transfers for 28 months. Apply by 30 November 2024 and include your balance transfer request as part of the application to get 0.99% p.a. on balance transfers for 28 months, with no balance transfer fee. Any remaining balance after the promotional period ends is subject to the cash advance rate, currently 21.99% 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.
  • Shopping cashbacks. Eligible St.George credit card holders can get cashbacks when they shop with their card on the online rewards platform ShopBack.

Rates & fees

  • Annual fee. 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 21.99% p.a.

Your reviews

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Amy Finder

Editor

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Avatar

John

July 10, 2024

My wife is retired and receives regular monthly pension from her super. Would she qualify for a credit card?


Avatar

Sarah Megginson Finder

July 16, 2024

Hi John, It depends on the level of income, your expenses, her other debts, her credit rating, and what type of card she’s applying for. It might be best to start with a card with a lower limit, as she is more likely to be approved for a lower limit than a higher limit.


You can contact St George for personal advice about whether she is likely to be approved, and you can review some other card options here.


Hope this helps!


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Nans

July 06, 2024

Can i apply this card with the balance transfer under a company ? thx


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Sarah Megginson Finder

July 12, 2024

Hi Nans, No this card is available to personal applicants only.


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Nick

May 06, 2024

Can the balance transfer be sent to my savings account by St George, and I will then pay off my current credit cards?


Avatar

Sarah Megginson Finder

May 10, 2024

Hi Nick,


No, with a balance transfer the funds will be sent directly to your nominated credit cards to pay the balance down. For you to receive the funds in your savings account, it would be treated as a cash advance and interest would begin accruing immediately.


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Max

March 12, 2024

Can you balance transfer from a personal loan to this card?


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Sarah Megginson Finder

March 25, 2024

Hi Max, Balance transfers can only be made from Australian issued credit or store cards other than St. George Credit Card Accounts. St. George will not accept the transfer of balances of personal loans or overdrafts, or of balances from business credit card accounts.


Avatar

Grant

February 03, 2024

Hi there,


I can’t seem to find a balance transfer fee on finder, or on St George’s website (ordinarily I’d expect a 1-3% fee for the transfer). Does the balance transfer not have any fees attached to it?


Thanks


Avatar

Amy Bradney-George Finder

February 05, 2024

Hi Grant,

The current balance transfer offer on this card doesn’t have a balance transfer fee. I hope this helps.


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