St.George Vertigo Platinum Credit Card – Rates and Fees

Information verified correct on August 24th, 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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166 Responses to St.George Vertigo Platinum Credit Card – Rates and Fees

  1. 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.


  2. 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


  3. 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.


  4. 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.


  5. 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.


  6. 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.


  7. Default Gravatar
    Richard | June 22, 2016


    Can I transfer credit card balances from the following banks?

    1) Westpac credit card
    2) Coles credit card
    3) ANZ credit card

    I never had any relationship with your bank but I do have a Westpac credit card. Is this OK to apply for your credit card?


    • Staff
      May | June 22, 2016

      Hi Richard, thanks for your inquiry.

      Actually, you can only transfer a credit card balance from non-Westpac cards to a St. George Vertigo Platinum Card. So, it could be possible to transfer your balance from Coles and ANZ credit cards to St. George Vertigo Platinum.

      In the meantime, you may like to review our article on which banks you’re able to transfer a balance to and from.


  8. Default Gravatar
    Robina | June 21, 2016

    is the balance transfer only for new card applications? We currently have a Standard St george credit card.

    • Staff
      Anndy | June 21, 2016

      Hi Robina,

      Thanks for your comment.

      Balance transfer is a feature that is generally aimed at attracting new customers to a bank. For this reason, some banks or credit card companies will only allow you to move a balance at the promotional rate of interest when you first sign up for the card. However, there are also credit card companies that allow balance transfer even after you have applied for the card. You can check this page for more information.

      I hope this answers your question.


  9. Default Gravatar
    Susanne | June 20, 2016

    Are on going, monthly repayments required for 0% interest transfers???

    • Staff
      Anndy | June 20, 2016

      Hi Susanne,

      Thanks for your comment.

      With St.George Vertigo Platinum Credit Card, you are still required to pay the minimum monthly repayment of 2% of your outstanding balance even if you are approved for the 0% balance transfer offer.

      I hope this answers your question.


  10. Default Gravatar
    Lou | June 2, 2016


    I am renovating my kitchen and was looking to get a credit card to pay for it.

    Is transferring the credit on the card to my trades people’s account ‘Cash advance’ or a ‘Purchase’ as the purchase would qualify for the 0% p.a for 20 months.

    I’m confused as it would a purchase of a kitchen but I would be transferring the money.


    • Staff
      May | June 2, 2016

      Hi Lou,

      Thanks for your question.

      With St.George Vertigo Platinum, you’ll be able to enjoy the 0% interest on balance transfer for 20 months. This means that you can transfer your “debt from your existing credit card” over to this card and you have 20 months of paying down your debts with 0% interest. After 20 months, your card will revert back to 12.74% p.a. interest on BT, that is for any remaining balance you have on your account.

      To be able to conduct the balance transfer, you’ll need to apply for the credit card or St.George Vertigo Platinum and get approved. You might like to visit this page and see how the balance transfer works.

      I hope this has answered your question.


    • Default Gravatar
      Lou | June 2, 2016

      Hi May,

      I think you misunderstood my question.

      I don’t have a credit card at the moment. I would like to apply for this one and use it to pay for my kitchen renovation.

      However to pay my trades I would need to transfer the money into their accounts.

      If I did this using this credit card would that be counted as a purchase thus being eligible for the 0% p.a for 20 months?

      Thank you

    • Staff
      May | June 2, 2016

      Hi Lou,

      Thanks for your message and for the clarification.

      I’d also like to clarify that with St. George Vertigo Platinum card, the 0% interest for 20 months is not for making purchases or taking a cash advance but rather for making a balance transfer. The purchase rate for this card is 0.99% p.a. for 4 months (the same is true for other St. George credit cards on promotional offer) and will revert back to 13.24% p.a. after that period. Meanwhile, the cash advance rate is at 21.49% p.a. – cash advances do not have interest-free periods, unlike purchases and balance transfers.

      Typically, you cannot transfer cash from your St. George credit card directly to other people’s account except to your own St. George account, i.e. if you have one with them. So, to be able to pay into other people’s account (like your tradesmen’s account) or credit card you would need to withdraw cash from your St. George credit card and that it is treated as a cash advance. Generally, when you obtain cash advances from your card, automatically, a fee and interest (usually very high) will be charged to your account.

      I hope I was able to answer your question this time.


Credit Cards Comparison

Rates last updated August 24th, 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.
9.99% p.a. $0 p.a. Go to site More info
Citi Qantas Signature Credit Card
Earn up to 70,000 bonus Qantas Points on eligible spend, plus enjoy a 0% p.a. for 6 months offer on balance transfers.
20.99% p.a. 0% p.a. for 6 months $99 p.a. annual fee for the first year ($395 p.a. thereafter) 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. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 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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