Connecting to better
St.George Vertigo Card
Bonus Point
Interest Rates
0
13.99
Reward Point
N/A
Annual fee
$55
Pros.
0% p.a. balance transfer rate for the first 24 months
Low ongoing annual fee for cost-effective management
Exclusive shopping cashback offers via ShopBack
Competitive 13.99% p.a. purchase interest rate
Add an extra cardholder at no additional cost
Cons.
A one-time 1% balance transfer fee applies.
After the introductory period, the balance transfer rate reverts to 21.99% p.a.
No rewards program, travel benefits, or insurance coverage included.
The St.George Vertigo card is a low-rate option ideal for those seeking a straightforward credit card. It currently offers a generous 0% balance transfer rate for 24 months, giving you ample time to pay off existing balances if you apply by 30 April 2025.
For new purchases, the card charges a 13.99% p.a. interest rate, along with up to 55 days interest-free. Unlike many other cards, you can still enjoy interest-free days on new purchases while carrying a balance transfer.
Details
Product Details
Product Name
St.George Vertigo Card
Balance transfer rate p.a.
0% for 24 months with 1% balance transfer fee, then 21.99%
Balance transfer limit
0% for 24 months with 1% balance transfer fee, then 21.99%
Purchase rate p.a.
13.99
Interest-free days
Up to 55 days on purchases
Cash advance rate p.a.
21.99%
Min credit limit
$500
Card type
Visa
Fees & Charges
Annual fee
$55
Minimum monthly repayment
0% for 24 months with 1% balance transfer fee, then 21.99%
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
N/A
Number of additional cardholders
0
Eligibility
Available to temporary residents
Yes with conditions
Minimum income
N/A
Joint application
No
Rewards
Rewards program
N/A
Bonus points
0
Rewards points per $ spent
N/A
Rewards points cap
N/A
How to Apply
You can apply for the St.George Vertigo Card in just 10 minutes and receive an instant response. Before you apply, ensure you meet the eligibility criteria and have all necessary details ready:
Eligibility Criteria
New cardholder: The balance transfer offer is available only for new applicants who apply for the St.George Vertigo Card before 30 April 2025.
Eligible balance transfer: Balance transfers must be from cards not issued by St.George, Bank of Melbourne, or BankSA. You can transfer from $200 up to 80% of your credit limit.
Residency: You must be an Australian citizen or permanent resident to apply online.
Age: Applicants must be at least 18 years old.
Required Documents
Personal details: This includes your full name, contact details, and proof of identity such as your Australian driver's license, Medicare card, passport, Australian birth certificate, or NSW photo card.
Employment details: You’ll need to provide your job title, length of employment, and your employer's contact information.
Financial information: You’ll need to confirm your annual income and provide details of your savings, investments, and assets.
Balance transfer information: If you're transferring a balance, provide details of the accounts and the amount of debt you're transferring.
Card benefits
You can apply for the St.George Vertigo Card in just 10 minutes and receive an instant response. Before you apply, ensure you meet the eligibility criteria and have all necessary details ready:
Eligibility Criteria
New cardholder: The balance transfer offer is available only for new applicants who apply for the St.George Vertigo Card before 30 April 2025.
Eligible balance transfer: Balance transfers must be from cards not issued by St.George, Bank of Melbourne, or BankSA. You can transfer from $200 up to 80% of your credit limit.
Residency: You must be an Australian citizen or permanent resident to apply online.
Age: Applicants must be at least 18 years old.
Required Documents
Personal details: This includes your full name, contact details, and proof of identity such as your Australian driver's license, Medicare card, passport, Australian birth certificate, or NSW photo card.
Employment details: You’ll need to provide your job title, length of employment, and your employer's contact information.
Financial information: You’ll need to confirm your annual income and provide details of your savings, investments, and assets.
Balance transfer information: If you're transferring a balance, provide details of the accounts and the amount of debt you're transferring.
Rates & fees
Annual fee
This card has an annual fee of $55 p.a.
Cash advance rate
If you withdraw cash from an ATM, make a cash-equivalent transaction, or have remaining debt at the end of the balance transfer period, you will incur an interest charge of 21.99% p.a.
Currency conversion fee
For international transactions, whether overseas or with online retailers, a 3% fee of the Australian dollar value per transaction will apply.
Interest-free period
Enjoy up to 55 days interest-free on new purchases when you pay your monthly statement balance in full by the due date. Please note that these interest-free days do not apply to any balance transfer debts and are separate from any ongoing interest rate promotions.
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