- Special offer: 0% p.a. for 24 months on balance transfers when requested during application with 1% balance transfer fee, for new card applicants approved by 30 April 2025.
- Low fees: You’ll pay a low annual fee of $55 and an ongoing interest rate of just 13.99% p.a.
- Extras: Add a free additional cardholder, and add your card to your Apple Pay, Google Pay or Samsung Pay digital wallet.
- Security features: 24/7 fraud monitoring, and SMS and email alerts on account activity.
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St.George Credit Cards
St.George Vertigo Credit Card
Updated 21 November 2024
A cost-saving card, the St.George Vertigo comes with low rates, low annual fee and a massive 24 months balance transfer offer at 0% p.a. interest with 1% balance transfer fee.
This card could be a winner if you’re looking for a way to knock down debt, get a first credit card or pay low interest on your purchases.
T&Cs apply. Offer ends 30 April 2025.Purchase Rate (p.a)
13.99%
Balance Transfer (p.a)
0% for 24 months
1% balance transfer fee applies.
Reverts to 21.99% p.a.
Annual Fee (p.a)
$55
Pros and cons
- You can only balance transfer up to 80% of your approved available card limit.
- You can’t transfer personal loans - only credit, charge and store cards.
Creditcard.com.au review
Editor Review
St.George Vertigo Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
Who suits the St.George Vertigo Balance Transfer card?
First Timer: you’re looking for a simple card with a few perks to get you started. You’d like a low annual fee and a low interest rate.
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Carefree Splurger: budgets are a bummer, and you might need help getting on top of debt. Low interest rates and low fees are great.
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Rainy Day Prepper: you want something low-cost to keep in your pocket. Even better if it has a few interest-free perks for when you need it.
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Overall Review
The St.George Vertigo credit card doesn’t have many extras, but it does a stellar job at keeping costs down, which could be just what you’re looking for. It has a low variable purchase rate and low annual fee.
By far, its biggest drawcard is the balance transfer offer, which could very well be the reason you choose this card over another. Its interest-free period of 24 months is almost unbeatable in the balance transfer market.
| ⚡ Note: St.George also has a Vertigo credit card with a cashback offer instead of a balance transfer. You can read more about the cashback St.Geroge Vertigo card here. |
Editor’s Full Review: What I love about the St.George Vertigo card
Like Tim the Toolman Taylor, this card is a simple creature with a powerful tool: its balance transfer offer.
Of course, if you’re someone who typically doesn’t pay off your card in full each month, you might also like the interest rate on purchases, which is just 13.99% p.a. (for context, the average interest rate on credit cards is 20% p.a., according to the RBA).
Let’s look at the balance transfer deal first.
Applying: You must be approved for the St.George Vertigo Balance Transfer card before 30 April 2025 to access the offer. You have to be a new Vertigo card customer, although you can have had other St.George credit cards in the past.
Transferring a balance: During the application, you’ll be asked to nominate up to 3 credit, charge or store cards to transfer a balance from. These can’t be St.George, Bank of Melbourne or BankSA accounts. Once your application is approved, the transfer will activate.
Transfer Limits: You can transfer a minimum of $200 and up to 80% of your available credit card limit. So, if your credit limit was $1000 you can balance transfer $800 to your St.George Vertigo card.
Fees: Be aware that a 1% balance transfer fee applies and after the 24 months, the cash advance rate of 21.99% will apply to any remaining balance.
You can use our calculator to work out your estimated weekly repayments with a 28-month interest-free period, as well as how much you'll save on interest:
Balance Transfer Calculator
This calculator does not take into account your personal circumstances or any other fees that may apply.
And, while some credit card providers won’t give you any interest-free days on new purchases while you have a balance transfer, St.George does. You’ll still get 55 days interest-free as long as you pay the minimum monthly payment each month.
| 💡 Just remember this card is a fantastic debt-repayment tool, and should be used that way if that’s your priority. If you can avoid using this card for new stuff, you can focus on paying off the balance transfer (rather than paying interest on new purchases). |
On top of the balance transfer, the St.George Vertigo comes with a low annual fee and low interest rate. If you typically don’t pay off your card each month, a low interest rate can help you save money while you repay your card.
Lastly, you can add one free extra cardholder over the age of 16, and use functions like Plan&Pay to pay off large purchases or your card balance in interest-free instalments.
Other perks and features
My Offers Hub: Access a growing collection of offers and discounts on a variety of brands with St.George’s My Offers Hub. Log in to your mobile banking or the banking app and choose ‘My offers and benefits’, view the deals and select the one you want to redeem.
Visa Offers + Perks: Visa offers personalised deals and exclusive offers to all Visa cardholders. Just sign up on the Visa website and redeem discounts on travel, merchandise and entertainment.
Security features: The St.George Vertigo comes with 24/7 fraud monitoring, Secure Online Shopping Service (which provides extra security by using One Time Password to authenticate your transaction) and a Fraud Money Back Guarantee.
You’ll also be able to use Card Block, which temporarily stops new transactions for 15 days, or until reactivated. You can switch on Card Block instantly via internet banking or the app, which is helpful if you’ve lost your card or suspect it’s been stolen or used by fraudsters.
What’s not so great
You can’t really hold anything against this card. It’s not intended to earn rewards or provide luxury travel perks; those are for high-end cards with big annual fees.This card is a good fit for those wanting to pay down debt, and the only real drawback is that you can’t balance transfer from a personal loan the way some other cards can. It can also only transfer up to 80%, while some other cards can transfer up to 95%.
Those are only issues if that happens to be what you need, but as far as balance transfer offers go, you’ll be hard-pressed to find one with this many positives.
Just note, you’ll be charged a $15 fee for late or missed monthly payments.
Who suits the St.George Vertigo card with the balance transfer offer?
As a low-cost card, the St.George Vertigo card could be a good fit if you typically only pay the minimum monthly repayment, since you’ll pay less in interest.It also has a low credit limit of $500, which could make it useful for those getting their first card, or just as an everyday credit card or emergency fund.
And of course, having one of the longest balance transfer terms makes it an effective tool for paying off debt from credit cards and store cards.
User reviews
Rates and fees
Interest rates
Purchase rate 13.99% p.a.
Cash advance rate 21.99% p.a.
Interest free period on purchases up to 55 days
Balance transfer
Balance transfer rate 0% p.a. for 24 months
Balance transfer revert rate 21.99% p.a.
Balance transfer from personal loan No
Balance transfer fee 1% one off
Balance transfer limit 80% of approved credit limit
Brands you can't balance transfer from Bank of Melbourne, BankSA, St.George
Credit limits
Minimum credit limit $500
Maximum credit limit $80,000
Fees & repayments
Annual fee $55 p.a.
Additional cardholder fee $0 p.a.
Foreign transaction fee 3%
Minimum repayment 2% or $10, whichever is greater
Cash advance fee 3%
Late payment fee $15
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Extras
Eligible with Apple Pay, Google Pay and Samsung Pay
Overview
St.George Vertigo Credit Card
Disclaimer: The interest-free period is the maximum number of days during which interest is not charged on new purchases. To be entitled to any interest-free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.
Key features
- 0% p.a. for 24 months on balance transfers requested at card application. 1% balance transfer fee applies. Rate then switches to the applicable variable cash advance rate. Available to newly approved card applications by 30 April 2025.
- Affordable $55 annual fee
- Low ongoing purchase rate of 13.99% p.a.
- Up to 55 days interest free on purchases
- Free extra card holder
- Eligible with Apple Pay, Google Pay and Samsung Pay
Minimum criteria to apply for this card
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Be over 18 years old
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Good Credit and have not applied for multiple credit cards recently
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You have permanent residency in Australia/NZ OR; You’re a non-resident or migrant and hold an acceptable Visa, with a min 1 year before expiry
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
Recently Asked Questions
Something you need to know about this card? Ask our credit card expert a question.
Ask a question334 questions (showing the latest 10 Q&As)
Can someone on student visa apply?
Hi Nick, yes, you can apply for this card as a student. You’ll need to make sure you meet the eligibility requirements though.
Can I apply for this if I'm on Bridging Visa B - while my Application for Subclass 190 visa has been submitted and I've got all documents? Don't have any travel or working restrictions because of that
Hi PR, bridging visas are temporary so I doubt many credit providers would consider an application with one, even if your other documents are awaiting approval. Have a read of my guide to credit cards for temporary residents and have a call card providers directly to check if they’d consider it. All the best!
Can I get 0% for 24 months on a balance transfer on a $8000 Nab credit card from your Bank Thank you
Hi Natalie, you can transfer a balance from NAB and get 0% for 24 months provided you meet the credit criteria. You can usually transfer between card brands, but not the same brand (not NAB to NAB, for example). The bank sets the credit limit based on your credit score and current financial standing, but you can request a higher credit limit after you’re approved if you need more. Thanks Natalie!
ive got a debt of 1500 in my amex card. Would i be able to do a BT if i get this card and how does it work
Yes, you can transfer a balance from AMEX to St. George. You can transfer up to 80% of your approved limit with no balance transfer fee.
Hi just wanted to know if I purchase a lounge how long do I have to pay it off before I incur a payment or interest fee
Hi Rebecca, this card gives you 55 days interest-free. But, that’s not 55 days from the day you buy it. It means you get 25 days past the end of the 30-day statement period (30 days + 25 days = 55 days). If you want the longest amount of time to pay it off, buy your lounge as close to the start of your new statement period as possible. There are some other cards out there that offer promotional rates of 0% p.a.
interest that gives you extra time to pay off your purchases. I hope that helps!
If I get a credit card for $20000, will I have to pay interest and fees if I pay into it every pay day?
Hi Rik, as long as you pay off the card in full by the due date on your statement period, you’ll avoid interest on your purchases. That way you’ll also avoid late payment fees, but remember there might be other fees like ATM withdrawals and overseas transaction fees.
Can I cancel the card anytime ? And what fees are involved?
Hi Kellie, you can cancel your card anytime. Please note that payments need to be made in time still for any unbilled charges, fees, interests, etc. until the balance is zeroed out.
I would like to do a credit transfer to a latitude credit card do you allow this?
Hi Olivia, good question! If you want to transfer balances to the St.George Vertigo card, you may as long as the balance is not from Bank of Melbourne, BankSA, or St.George. If you wanted to transfer a balance to a Latitude credit card, unfortunately, balance transfer is not allowed. You can check some of the other balance transfer credit cards for options. Thanks!
good morning, looking at the vertigo card, what is the conversion rate for overseas transactions please? thank you for your time
Hi Glyn, St.George has a currency conversion calculator on its website, but doesn’t specifically state what exchange provider it uses. Typically on a credit card it would be Mastercard or Visa (in this case it would be Visa). I hope that helps!
Can I get 0% balance transfer when transferring funds from a macquarie bank credit card if I already have a st George credit card?
Hi Racheal, that’s a great question! I looked into this and see that the current balance transfer offer is only available to new St.George card holders. Since you mentioned that you already have a St.George credit card, I suggest contacting St.George directly at 13 33 30 to check if they have any offers for existing cardholders. Alternatively, you can view other balance transfer cards for options.
I need to apply balance transfer, and have some questions, would need some help
Hi Surmeet, you can check the blog I’ve written for some key rules about balance transfers for your guidance. If your questions aren’t answered there, feel free to leave another comment and I’ll try help.
What are the fees on this card for using it overseas in the Uk?
Hi Simone, good question! If you use the St.George Vertigo card in the UK, you’ll have to pay a foreign transaction fee of 3%.
Do you have an American equivalent to this card. As an American, I would love to apply for this card.
Hey Connie, I agree with you, it’s a great card! You have to be an Australian citizen to apply for this one, so you’d have to check US comparison sites to find one like it. Good luck!
information on transfer of credit card
Hi Amanda, if you want to transfer a balance from a card to the St.George Vertigo, you can do that during the application process. It’ll ask for the card’s details or BPAY information and the amount you want to transfer. Just note you can’t do a balance transfer from Bank of Melbourne or BankSA to St.George, as they’re all owned by Westpac.
Ray
26 September 2019At just 15 cents a day...for a $30,000 line of credit and 55 days interest free...this card is a very handy tool for day to day living...
Recommends this cardCreditcard.com.au Visitor
5 August 2013I've been on this card for a few years now. Its a really low interest rate, not many other cards out there with a rate this low. The annual fee of $55 soon pays for itself with the lower interest rate, so I think its worth it.
Recommends this cardElizabeth Lee
28 January 2013Recommended from a friend. This card is one of the best choices I’ve made. Good offer on purchase rates and doesn’t revert to something crazy after. Didn’t get it for the balance transfer but seems good too. Annual fee low for what your getting.
Recommends this cardbenl
28 January 2013The BT is great, already paid off 1/3 of my balance. Purchase rate is pretty low too, have learnt my lesson in picking out a decent card
Recommends this cardSanjeet
28 January 2013Great low rate card with an awesome 0% balance transfer and low annual fee.
Recommends this card