St.George Vertigo Platinum Credit Card – Rates & Fees

Information verified correct on June 1st, 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 0.99% 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 4 months, thanks to the promotional 0.99% 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.)0.99% p.a. for 4 months (reverts to 12.74% p.a.)
Offer end date23 June 2016
Annual fee$99 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you dont 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 ApplicationNo
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 amount with a $2.50 minimum
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 AllowedNo
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 0.99% p.a. for 4 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 23 June 2016 and you can also take advantage of the 0.99% purchase offer for up to 4 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. 0.99% p.a. on purchases for the first 4 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 0.99% for 4 months and a balance transfer rate offer of 0% p.a. for 20 months. Cardholders must apply before 23 June 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.
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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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144 Responses to St.George Vertigo Platinum Credit Card – Rates & Fees

  1. Default Gravatar
    tony | May 28, 2016

    Can I transfer $38000.00 for a Westpac MasterCard to a St. George Vertigo 0% percent for 20 months?

    • Staff
      May | May 31, 2016

      Hi Tony, thanks for your question!

      Unfortunately, you’re unable to transfer your balance from your Westpac MasterCard to St. George. Please refer to this page where you’ll find information on which banks you can transfer your balance to and from.

      I hope this helps.


  2. Default Gravatar
    nathan | May 27, 2016

    Is it possible to transfer the balance from a personal loan onto this low rate credit card and receive the 20months interest free or does it only apply to balance transfers from other credit cards ?

    • Staff
      Anndy | May 27, 2016

      Hi Nathan,

      Thanks for your comment.

      Unfortunately, you cannot transfer your personal loan balance to St.George Vertigo Platinum Credit Card as this card only allows balance transfer from a different credit card. Moreover, it is possible with Citi and Virgin Money. Both of these brands offer a host of balance transfer credit cards to choose from which you can find here.

      I hope this helps.


  3. Default Gravatar
    Pam | May 26, 2016

    Does the zero interest balance transfer still apply if your current card is with Bank SA?

    • Staff
      Anndy | May 26, 2016

      Hi Pam,

      Thanks for your question.

      Unfortunately, balance transfer is not allowed between BankSA and St.George credit cards as they are both funded by Westpac.


  4. Default Gravatar
    rin | May 24, 2016


    I have applied for this credit card offer and the terms of the offer letter states that any unpaid balances at the end of the balance transfer term will be the cash advance rate. I read on this webpage offer that the balance transfer revert rate is the purchase rate and thus I have applied for it. I have given conflicting advice by your branch staff and your contact centre staff regarding this information. Can you please confirm for me the correct information and how I can get the offer letter amended.
    Kid regards.

    • Staff
      Anndy | May 24, 2016

      Hi Rin,

      Thanks for your comment.

      Please note that is a financial comparison and information service and is not St. George.

      The balance transfer revert rate for St. George Vertigo Platinum Credit Card is equal to the variable purchase rate which is currently at 12.74% p.a. This means that any balance transfer amount that is left unpaid after the promotional period will incur an interest of 12.74% annually. This is a limited offer by St. George and other conditions apply.

      I’ve sent you an email containing St. George contact number so you can directly get in touch with them and inquire about your offer letter.


  5. Default Gravatar
    Peta | May 2, 2016

    Where can I locate details of the travel insurance cover included with this credit card?

    • Staff
      Anndy | May 2, 2016

      Hi Peta,

      Thanks for your question.

      I’ve emailed you a link to St.George Vertigo Platinum Credit Card’s complimentary insurance terms and conditions.

      I hope this helps.


  6. Default Gravatar
    Lee | April 15, 2016

    I have just started a new job after maternity leave and my previous tax return is lower than what I will be on. I am also self-employed and will be paid monthly. If I show bank statement with new income will this be suitable as ‘proof’ of income?

    • Staff
      May | April 15, 2016

      Hi Lee,

      Thanks for your question.

      Yes, most financial institutions consider a bank statement as one of your proof of income especially when you apply for a loan or a credit card.

      Moreover, a self-employed can apply for a St. George credit card as long as you’re more than a year being a self-employed and you can also provide a Notice of Assessment. You may also contact St. George directly to verify and so they can provide you with the complete details of their requirements. I have sent you their contact information through your email.

      I hope this has helped.


  7. Default Gravatar
    paul | April 11, 2016

    Hi, is this balance transfer scheme available for 457 visa holders as well? If yes, can I transfer a Commonwealth account? I got a credit card worth $23000.

    • Staff
      May | April 11, 2016

      Hi Paul,

      Thanks for your question.

      Unfortunately, the St. George Vertigo Platinum Credit Card is available for Australian residents only. However, you may like to reconsider checking this page where you can find companies that allow 457 working visa holders to apply for their credit card brands and do the balance transfer. Please make sure that you read and review their eligibility requirements before doing so.

      I hope this is helpful.


  8. Default Gravatar
    John | April 6, 2016

    Can this be linked to my Quanta frequent flier account?
    Many thanks, John

    • Staff
      Ysa | April 7, 2016

      Hi John,

      Thanks for your question.

      Unfortunately, the St.George Vertigo Platinum Credit Card cannot be linked to the Qantas Frequent Flyer program.

      You may wish to check the Rewards credit cards section of this page to view other credit card options which can be linked to a rewards program.

      I hope this helps.


  9. Default Gravatar
    John | April 6, 2016

    Hi, Can I transfer an American Express account? Many thanks, John

    • Staff
      Ally | April 6, 2016

      Hi John

      Thanks for your inquiry.

      St. George allows balance transfer from other accounts, except those that are under the same financial institution such as St.George, Bank of Melbourne or BankSA credit card. If you want to check the eligibility of your bank, you may go to this page.

      I hope this has helped.


  10. Default Gravatar
    HW | March 31, 2016

    We consolidated our loans with another lender back in early 2013 at the interest rate of 20.49%. Good idea at the time to create one payment, but after paying $700.00 a month on repayments we are finding it quite disheartening that the balance is still $14,500.00. Is there a way in which we can transfer this loan out onto a credit card with 0% transfer for 12-18 months? It would make it easier to know the money we are paying off, is actually coming off the real amount and not just going in interest.

    • Staff
      May | April 14, 2016

      Hi HW,

      Thanks for reaching out.

      I’m not sure if this loan that you mentioned is a personal loan or a debt from a credit card. In case this is in the form of a personal loan, Citi and Virgin Money credit cards give you the ability to transfer balances from personal loans and both these brands provide a host of cards with different balance transfer offers. You can compare your options here.

      However, if this loan is from a credit card, you may like to reconsider checking this page and start comparing your balance transfer credit card options.

      I hope this is helpful.


Credit Cards Comparison

Rates last updated June 1st, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 20 months and an introductory purchase offer of 0.99% p.a. for 4 months with a low annual fee.
0.99% p.a. for 4 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card.
14.99% p.a. 0% p.a. for 12 months $0 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
ANZ Frequent Flyer Black
Earn up to 75,000 bonus Qantas Points when you spend $2,500 within the first three months and 1.5 points per $1 spent. Get complimentary airport lounge access, 24/7 concierge with $0 annual fee in the first year.
19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) 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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