St.George Vertigo Platinum Credit Card – Rates and Fees

Information verified correct on September 23rd, 2016
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Consolidate your debts with a 0% p.a. balance transfer offer and cut interest costs with an introductory purchase rate of 1% p.a. with the St.George Vertigo Platinum.

The St.George Vertigo Platinum Credit Card offers both platinum perks and opportunities to cut costs. Repay your debt quicker and cheaper with the 0% p.a. for 20 months balance transfer offer. Plus, you can make everyday purchases with a low interest for 12 months, thanks to the promotional 1% on purchases offer.

You can also shop with peace of mind courtesy of complimentary insurance covers and a personal concierge service. If you’re looking to take advantage of platinum features while keeping your card costs low, this card could be right for you.

Product NameSt.George Vertigo Platinum
Balance transfer rate (p.a.)0% p.a. for 20 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Purchase Rate (12.74% p.a.)
Balance Transfer Limit95% of available credit limit
Purchase rate (p.a.)1% p.a. for 12 months (reverts to 12.74% p.a.)
Offer end date29 September 2016
Annual fee$99 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 55 days on purchases
Cash advance rate (p.a.)21.49% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
Max credit limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
Minimum Monthly Repayment2%
Card TypeVisa
Late Payment Fee$9
Foreign Currency Conversion Fee (VISA)3% of transaction value
Complimentary Travel InsuranceYes
Complimentary Travel Insurance Cover6 months
Available To Temporary ResidentsNo
Joint ApplicationYes
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
Max Credit Limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
Annual Fee$99 p.a.
Minimum Repayment2%
Late Payment Fee$9
Over Limit Fee$9
Cash Advance Fee2% of each cash advance amount and all transfers
Overseas Cash Advance Fee2% of each cash advance amount and all transfers
Overseas Emergency Replacement$52.50
Overseas ATM Balance check$0
Overseas ATM Withdrawal Fee$5
Foreign Currency Conversion Fee (VISA)3% of transaction value
Gambling Transactions AllowedYes
Gambling Transactions Interest RateCash Advance Rate
Additional Cardholder Fee$0 p.a.
Number of Additional Cardholders3
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
  • There are lots of bonus insurance covers including: 'Extended Warranty', 'Price Guarantee' and 'Purchase Cover Insurance'.
  • An above average deal of only 0% interest charged on balance transfers for the first 20 months (you have to request this deal upon application)
  • This card also comes with a purchase offer of 1% p.a. for 12 months.
  • The St.George Platinum does not come with an in-built rewards program. For a Platinum level card, this is a disadvantage.

St.George Vertigo Platinum Credit Card review

St.George is offering a competitive balance transfer rate of 0% p.a. for 20 months with this card when requested upon application. Apply before 29 September 2016 and you can also take advantage of the 1% purchase offer for up to 12 months. Cardholders can also take advantage of a range of complimentary insurance covers with this card, including overseas travel insurance and extended warranty insurance on purchases. This, coupled with a low ongoing purchase rate and up to 55 days interest-free on purchases, makes for a competitive offering.

Benefits of the St.George Vertigo Platinum Credit Card

  • Purchase offer. 1% p.a. on purchases for the first 12 months means you can do your shopping with a low interest on purchases.
  • Interest-free days. If you pay your balance in full each month, you can enjoy up to 55 interest-free days on purchases, giving you more time to pay off your purchases before incurring interest.
  • Low annual fee. This card comes with an $99 annual fee, which is relatively low compared to cards in a similar class.
  • Complimentary insurance policies. As well as the premium features detailed above, you’ll also enjoy a suite of insurance covers at no extra charge.
  • Overseas travel insurance cover. You and your family will be covered for medical expenses, unexpected trip cancellation and rental vehicle excess for up to 6 months when you book your trip using your card.
  • Domestic flight inconvenience insurance. You and your family will be covered for interstate holidays of up to 14 days for delays, rental car excess and loss or damage to personal items.
  • Overseas transit insurance cover. You’ll be covered in the event of accidental deal or injury when travelling outside of Australia.
  • Price guarantee cover. When you make a new purchase using your card you’ll be covered against theft, loss or damage.
  • Purchase cover insurance. This cover allows you to claim the difference in price back on a product you buy if you find it cheaper within 21 days on eligible purchases.
  • Extended warranty insurance. This cover extends your warranty by up to 12 months on a manufacturer’s expressed Australian warranty.

Features of the St.George Vertigo Platinum Credit Card

Cardholders can enjoy a host of premium features with this card:

  • Competitive rates. The Vertigo Platinum features competitive rates, including a low ongoing purchase rate of 12.74% p.a. and a promotional purchase offer on 1% for 12 months and a balance transfer rate offer of 0% p.a. for 20 months. Cardholders must apply before 29 September 2016 to take advantage of these offers.
  • Additional cardholders. For no extra cost you can add up to 3 additional cardholders to your account, giving you flexibility with how you spend.
  • Security. St.George offers you 24/7 Falcon monitoring and Verified by Visa provides protection when shopping in store and online.
  • Personal concierge service. With a premium card, you come to expect a little more—and that’s exactly what you get with St.George. You can get in touch with your personal concierge in Australia or overseas for anything you need, any time of day.

How to apply for a St.George Vertigo Platinum Credit Card

To apply for the St.George Vertigo Platinum Credit Card you can follow the secure link on this page to apply online. The online application will take 10 to 15 minutes, or you also have the option to apply over the phone or in a branch, and eligible customers are able to apply through internet banking.

Eligibility criteria

      • You’ll need to be over the age of 18
      • Applicants must be permanent Australian residents
      • Good credit history

Required documents

To ensure the application process goes smoothly, have the following information handy:

      • Driver’s licence number
      • Weekly income after tax
      • Details of your assets, savings and investments
      • The repayment amounts and balances owing on any liabilities
      • Recent tax information if you are self-employed
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176 Responses to St.George Vertigo Platinum Credit Card – Rates and Fees

  1. Default Gravatar
    Archer | September 12, 2016

    Hi there.

    I am wondering if I can transfer an amount from a Westpac Credit card over to a St George card? (provided I pass the credit assessment?)

    • Default Gravatar
      | September 13, 2016

      Hi Archer,

      Thanks for your question.

      Yes, it is possible to transfer your Westpac credit card balance to a St.George credit card.


  2. Default Gravatar
    Sam | September 8, 2016


    I have $37000 debt on CBA credit card. My wife and I just apply for St.George Vertigo platinum 0% balance transfer. But they approved $14250.

    Would you please tell what is the best option to my remaining debt ($22750).

    Thanks & regards,

    • Staff
      Ysa | September 20, 2016

      Hi Sam,

      Thanks for your question.

      Please note that you have come through, an online comparison website and is not in the position to recommend specific products, issuers and services to you, as the best option will always depend on your individual financial needs and situation.

      However, you may wish to check our guide on debt consolidation for an insight on how you can manage and repay your debts faster.

      I hope this helps.


  3. Default Gravatar
    Annabel | September 6, 2016


    Does this card cover unexpected cancellation fee on domestic travels?


    • Staff
      May | September 7, 2016

      Hi Annabel,

      Thanks for your question.

      Yes, QBE Insurance will reimburse for unexpected cancellation of travel plans, provided that the reason for cancellation is due to one of the following events: natural disaster, if something happens to your travelling companion, or if you become ill after purchasing your ticket but before leaving the country.

      You may find the guide to the complimentary travel insurance attached to your St.George Vertigo Platinum credit card on this page.

      Hope this helps.


  4. Default Gravatar
    MrsRanx | August 30, 2016

    I have been pre-approved for a $9000 limit on this card. I wish to transfer the balance of 2 other existing credit cards, however the combined balance exceeds the limit approved.
    Do I need to balance transfer the full amount on the other card (one can be done, but there is not enough limit left to transfer the full amount owing on the other), or can $x amount be transferred to the St George card up to the BT limit?

    • Staff
      May | August 30, 2016

      Hi MrsRanx,

      Thank you for your inquiry.

      For the St.George Vertigo Platinum Credit Card, you are allowed to transfer a balance up to 95% of your approved credit limit. So for a $9,000 credit limit, you can transfer up to $8,550.00.


    • Default Gravatar
      MrsRanx | August 31, 2016

      Thanks May, but that was not what I was asking.

      When performing a balance transfer from one card to another, does the entire amount need to be transferred, or can it be x amount?

      For example – card 1 has a balance of $6000 owing, and card 2 to a balance of $5000 owing (combined total of $11000 owing). Can the entire balance of card 1 be transferred to the St George card, and only a percentage of the balance of card 2?

    • Staff
      May | August 31, 2016

      Hi MrsRanx,

      Thanks for getting back and I’m sorry if I was not clear in my answer the first time.

      To clarify, transferring balances from more than one credit card to a new single card is actually allowed, provided that the total amount you will be transferring (combined amount) should not exceed your approved credit limit.

      So for your given example, yes, you can transfer the whole balance from card 1 and a percentage of the balance from card 2 to the St.George Vertigo Platinum Credit Card, so long that the total amount you will be transferring from both cards shall not exceed $8,500 or 95% of your pre-approved $9000 credit limit.

      I hope this has answered your question.


  5. Default Gravatar
    Brad | August 14, 2016

    Hi, I am a current Bank SA customer and would like to transfer an amount of $5200 over to this card, is this possible as I believe Bank SA and St George are one of the same?

    • Staff
      Anndy | August 15, 2016

      Hi Brad,

      Thanks for your question.

      Unfortunately, balance transfers between Bank SA and St George credit cards are not allowed.


  6. Default Gravatar
    wyk | July 26, 2016

    Hi, I just want to know if there is any income requirement to apply this card?

    • Staff
      May | July 26, 2016

      Hi WYK,

      Thank you for your inquiry.

      Yes, for St.George Vertigo Platinum Credit Card, you will need to provide your income and employment details and documents as well as financial commitments.

      Basically, St. George would need:
      - Weekly income after tax
      - Details of your assets, savings and investments
      - Recent tax information if you are self-employed


  7. Default Gravatar
    SixthSense | July 15, 2016

    I like to do my research, so after reading up on a few options I decided to apply for a St George Platinum Visa. The purpose of this was to move our $15,000 credit card balance from another Bank.

    Pros: no balance transfer fee, 0% balance transfer, 1% on purchases, decent variable purchase rate on reversion.

    After putting through an online application with my wife and I as joint applicants, we received an approval straight away. However, despite our combined incomes being circa $200k, strong net assets position and pretty clear credit history we were only approved for $9,000 credit limit (we had applied for $15,000).

    I queried this with their Verifications Team/Credit Card Helpdesk thinking I may have made a mistake on the application form. The response I got was bizarre. Essentially despite having a strong application, the reduced credit limit was provided because “we were new customers and did not have a history with the bank”. I may be missing the point here but aren’t promotions like this meant to attract new customers ? But if new customers can’t expect to get what they need out of this sort of promotion, why doesn’t St George just offer these internally to existing customers and not waste my and I assume many other people’s time ?

    I am yet to receive the credit card in the mail. I inquired whether there would still be a note on our credit history for this application if we decided to withdraw from this process .

    The answer was Yes – I find this infuriating.

    • Staff
      May | July 15, 2016

      Hi SixthSense,

      Thanks for your comment and I’m sorry to hear about your frustration about your credit card limit, which I understand did not match your expected amount.

      Whilst it could have been very good if St. George has approved your credit limit request of $15,000, for most cases, the credit card company will have the final say on your credit limit. They will base their decision on your credit history, income and ability to repay. Your job stability as well as your other debts and expenses, will also be taken into account when you first apply. This could be some the factors that St. George had considered before they gave your credit limit of $9,000.

      In the meantime, since you’re already approved and this is your “first account” with St. George, it may be well that you start to create a “favorable credit card history” with them by making all your payments in a timely fashion, then at a later time, you can request for an increase of your credit limit. This way, you’ll still be able to maintain or keep your credit file healthy, which is one of the most important factors that you have to consider this time.

      On the other hand, I’d also like to mention that for this St. George Vertigo Platinum Credit Card, you’re allowed to transfer a total balance that should not exceed $8,500 or 95% of available/approved credit limit.

      I hope this advice will be able to help.


  8. Default Gravatar
    Sk | July 8, 2016

    Hi there,
    I wanted to know if I can take this card to transfer balance to my NAB credit card to pay that off? I have $5000 credit in one of my NAB card, I want to pay that off from this card. Am getting anything wrong?
    Thank you.

    • Staff
      May | July 8, 2016

      Hi Sk MD,

      Thanks for your question.

      Yes, you can conduct a balance transfer from an NAB card to this St.George Vertigo Platinum provided that you meet the eligibility criteria of this St. George credit card. If you want to apply, make sure to read the eligibility criteria and requirements and click on the ‘Go to Site’ button above to head over to St. George’s website.

      Also, please note that the total amount you can transfer onto this St.George Vertigo Platinum card should not exceed 95% of your approved credit limit.

      I hope this helps.


  9. Default Gravatar
    Kim | July 5, 2016

    Is this card able to be linked to Qantas Frequent Flyer reward points?

    • Staff
      Anndy | July 6, 2016

      Hi Kim,

      Thanks for your inquiry.

      Unfortunately, you can’t link a St.George Vertigo Platinum Credit Card to your Qantas Frequent Flyer membership. If you like a card that lets you earn Qantas points, you can compare your options here.


  10. Default Gravatar
    howard | June 28, 2016

    you say that applicants need a good credit history, what do you mean?

    • Staff
      Anndy | June 28, 2016

      Hi Howard,

      Thanks for your question.

      I would like to refer you to this page where you could learn more about good credit rating and bad credit rating. Our guide will also help you improve your credit history.


Credit Cards Comparison

Rates last updated September 23rd, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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