St.George Vertigo Visa Card – Rates & Fees

Information verified correct on May 27th, 2016
St.George Vertigo Visa Find out more Go to site

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  • Clicking Go to site will take you to your Online Application on the bank's website. You do not need to be an existing customer of this bank to apply.
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  • Once approved, you will typically receive your credit card within 1-2 weeks
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  • Low interest rate on balance transfers and purchases
  • Consistently one of the highest value credit cards in Australia
  • Reverts to low purchase rate at the end of the balance transfer period
  • No rewards program

Overall, if you're after a consistent credit card offer that is going to be competitive in the Australian market, the St.George Vertigo Visa is worth your consideration when comparing low interest credit cards

Consolidate debt and save on interest payments at the cost of a low annual fee with the St.George Vertigo Visa Card.

The St.George Vertigo Visa Card is an option for savvy shoppers who enjoy buying new items and saving at the same time. The card offers new cardholders 0.99% p.a. interest on purchases for 4 months. If you’re looking to repay your debt, you can take advantage of 0% on balance transfers for 18 months. Make further interest savings with up to 55 interest-free days on purchases. You can also request an additional card free of charge.

Product NameSt.George Vertigo Visa
Balance transfer rate (p.a.)0% p.a. for 18 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Purchase Rate (13.24% p.a.)
Balance Transfer Limit95% of available credit limit
Purchase rate (p.a.)0.99% p.a. for 4 months (reverts to 13.24% p.a.)
Offer end date23 June 2016
Annual fee$55 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% or $10 whichever is greater
Card TypeVisa
Late Payment Fee$9
Foreign Currency Conversion Fee (VISA)3% of transaction value
Complimentary Travel InsuranceNo
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$55 p.a.
Minimum Repayment2% or $10 whichever is greater
Late Payment Fee$9
Over Limit Fee$9
Cash Advance Fee2% of the cash advance amount or $2.50
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 Cardholders1
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
  • This card offers a balance transfer rate of 0% p.a. for 18 months to help minimise interest repayments.
  • You can save money with its 0.99% p.a. for 4 months introductory offer on purchases.
  • Pay a low annual fee of just $55.
  • The interest rate on purchases is one of the lowest in the market.
  • You cannot earn rewards for your spending.
  • Cash advance rate will apply for the remaining balances after the promotional period ends.

St.George Vertigo Visa Card review

The St.George Vertigo Visa Card comes with a balance transfer offer, competitive annual fee of $55, a purchase rate offer of 0.99% p.a. for up to 4 months and a low ongoing variable rate on purchases. As a Visa card, you can use the card with convenience at millions of locations worldwide. You can also take advantage of Visa payWave technology for contactless payments under $100.

Benefits of St.George Vertigo Visa

  • Balance transfer offer. Consolidate your debt faster and cheaper with a 0% balance transfer offer for 18 months.
  • Introductory purchase rate offer. Keep your interest costs to a minimum with 0.99% on purchases for 4 months.
  • Up to 55 interest-free days. Take advantage of up to 55 days of interest-free shopping. Just make sure you pay your closing balance in full at the end of your statement period to enjoy this offer.
  • Card management. You can easily manage your account online, over the phone or in a St.George branch.
  • Free additional card. Request an additional St.George Vertigo Visa card for a friend or family member without any additional fees.

Features of the St.George Vertigo Visa credit card

  • Competitive variable rate. The standard interest rate on purchases is 13.24% p.a.
  • Annual fee. You will be required to pay an annual fee of $55.
  • Credit Card Protect. Credit Card Protect is an optional policy that covers your credit card repayments should you become ill, have an accident, lose your source of income or even pass away. If you are eligible for this protection cover, you can purchase it when applying for your credit card. The cover gives you peace of mind should the unexpected happen, rendering you unable to handle your repayments.
  • Access to other St.George accounts. Your card is linked to any other accounts you may hold with St.George. This is convenient since you can easily manage and monitor all of your accounts under one major account.
  • Security. Spend with peace of mind thanks to Falcon Fraud protection, a service which monitors and detects unusual card activity. All accounts are monitored 24 hours a day and are further protected with the Visa Secure Code when shopping online. The account holder will not be held liable for fraudulent credit card activities.
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How to apply for the St.George Vertigo Visa Card

To start the application process, simply complete an online application form. But before you do that, make sure you meet the eligibility requirements.

Eligibility criteria

  • You cannot apply for the card if you are not 18 years of age or older.
  • This is card is not eligible to temporary residents. You must be an Australian citizen or permanent resident to apply.

You also need to provide the following details with your application.

Required documents

  • This may include your contact information and proof of your identity such as your driver’s licence.
  • You must provide your income information, plus details of your savings, investment and assets.

St.George Vertigo Visa Card is loaded with beneficial features and competitive interest rates. As there are similar products on the market, you’ll find the right one for you if you compare other credit cards before applying.

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659 Responses to St.George Vertigo Visa Card – Rates & Fees

  1. Default Gravatar
    trudy | May 23, 2016


    I have a $10,000 card with virgin money – balance owing is $2,000 and looking for a new limit for $15,000 and a balance transfer.

    • Staff
      May | May 24, 2016

      Hi Trudy,

      Thanks for reaching out.

      If you’re looking to find a balance transfer credit card, you can compare your options here. Please note though that the credit limit you’ll be approved for is determined by the credit card issuer based on your income, ability to repay and credit score.

      I hope this helps.


  2. Default Gravatar
    Andy | May 16, 2016


    I have been scammed in online shopping and lost almost $400. Will I be able to claim the refund from St. George as a purchase protection?

    Thank you.

    • Staff
      May | May 17, 2016

      Hi Andy,

      Thanks for your inquiry.

      If you believed that a fraudulent transaction was charged to your St. George credit card, you’ll need to inform St. George immediately. Please feel free to check our guide on how you can file a dispute for a fraudulent transaction on your card here.

      Also, you can find below a quick guide on how to lodge a dispute for an unauthorised transaction on your St. George card:

      1. Call St. George and lodge your dispute over the phone at 1300 304 040. OR
      2. Log into your internet banking. Once logged in, select ‘Dispute a transaction’ underneath the ‘Did you know you can?’ tab and follow the prompts. You can also lodge the dispute by selecting the relevant account and selecting ‘Dispute a transaction’ underneath ‘Quicklinks’.

      I hope this can help.


  3. Default Gravatar
    | April 27, 2016

    I currently have a Visa Card with Citibank and am finding the interest rate and fees very high. I was paying off the card above the minimum amount but unfortunately I was put on a disability Pension three years ago. Now the repayments are much harder to meet.
    Would being on a disability pension make me eligible to get the St. George Vertigo Visa Card? I have some substantial savings but no equity as the house was destroyed by fire. I checked my Credit File recently and have a good score rate of over 900. say I can safe an estimated $3,500 in round figures p.a.; which would help greatly. I don’t travel overseas so the atm fee won’t apply.
    Kind Regards

    • Staff
      Sharon | April 27, 2016

      Hi, thanks for your inquiry.

      Unfortunately we are unable to advise on whether you will be approved. This card does not have a minimum income listed in the application requirements. However, credit card issuers have their individual policies and will need to assess your financial and personal situation to be able to advise on your options and eligibility.

      It may be a good idea to enquire directly to St.George before applying, to clarify whether you meet the application criteria.

      I hope this has helped.


  4. Default Gravatar
    Chand | April 22, 2016

    What is the minimum income the applicant should have to successfully apply for this card? Would a person on pension be eligible for it, if one has excellent credit rating?

    • Staff
      Ysa | April 23, 2016

      Hi Chand,

      Thanks for your question.

      Yes, any person receiving pension may still eligible to apply as long as you meet the eligibility requirements set by the bank.

      While there is no minimum income requirement for this credit card, St.George still needs to assess the application based on your credit history, personal details and financial situation.

      Please also note that you will be required to provide your income information, plus details of your savings, investment and assets. If you’re on a pension, your statement pension may serve as a proof of income.

      You may wish to contact St.George directly to discuss your eligibility and likelihood of acceptance.


  5. Default Gravatar
    Shelley | April 17, 2016

    I was just wondering if there are extra rates when using the card overseas as I know some credit cards have large conversion fees?

    • Staff
      May | April 18, 2016

      Hi Shelley,

      Thanks for your inquiry.

      Yes, with St. George Vertigo Visa credit card, there is a foreign currency conversion fee of 3% of transaction value. Aside from that, this card also has overseas ATM withdrawal fee of $5. You may find the details of the fees and charges of this card when you check the “fees and repayments” section of the table above.

      Hope this answers your question.


  6. Default Gravatar
    vid | April 16, 2016

    Will you give balance transfer option to those on a bridging visa? I had availed it earlier with ANZ bank while on temporary visa though the terms and conditions were only for permanent residents. Can we transfer credit from 2 different credit cards?

    • Staff
      May | April 17, 2016

      Hi Vid,

      Thanks for your question.

      Unfortunately, only Australians and permanent residents can apply for the St. George Vertigo Visa credit card. You may like to contact a credit card issuer found on this page and discuss your options to get a credit card. Though please note that when doing a balance transfer from a credit card that is issued outside Australia is not possible.

      I hope this has helped.


  7. Default Gravatar
    chris | April 9, 2016

    I would like to know if there are penalty fees for paying more than the minimum amount?

    • Staff
      May | April 11, 2016

      Hi Chris,

      Thank you for your inquiry.

      With credit cards, there are no fees of paying more than your monthly minimum repayment. In fact, the ideal way of handling your debts is to fully pay your balance each month so that you’ll not be charged with interest. Moreover, if you were to pay more than your minimum repayment, you’ll be able to fully pay your outstanding balance faster and you can also save on paying higher interest.

      By visiting this page, you can find more information on credit card minimum repayments and tips on gaining control of your credit card debt.

      Hope this answers your question.


  8. Default Gravatar
    karen | March 29, 2016

    hi how long does it take from getting approved, to you paying off my credit card in a balance transfer please

    • Staff
      Sharon | March 29, 2016

      Hi Karen, thanks for your inquiry.

      Please note that you have come through, not St.George. St.George bank will process you application for 5-10 business days. You can also track the status of your application using this page.

      I hope this helps.


    • Default Gravatar
      Geoffrey | April 7, 2016

      I am currently in the United States. The activation code won’t work for a US number. What do I do now after applying for your card to use for business reasons?

    • Staff
      Isaiah | April 7, 2016

      Hi Geoffrey,

      Thanks for your question.

      Unfortunately, only permanent Australian residents can apply for credit cards with St.George.

      If you’re in the market for a new credit card, we would suggest that you start comparing products on our US site

      I hope this has helped.



  9. Default Gravatar
    Os | March 23, 2016

    Hi there,

    Wondering if you allow multiple transfers from other credit cards to consolidate into one St.George account? I have a balance owing with CBA and ANZ and would like to transfer both into one account to pay it off – is this possible?

    • Staff
      Sally | March 24, 2016

      Hi Os,

      Thanks for your question.

      Yes, you can transfer more than one balance into a St.George account so long as the combined amount doesn’t exceed 95% of the balance transfer limit and it’s from a non-St.George, BankSA and Bank of Melbourne card.

      You’ll just need to include the details of both of the accounts you’d like to transfer when you’re filling out the balance transfer information.

      Please see our St.George balance transfer guide for further information.

      I hope this has helped.



  10. Default Gravatar
    grghwrd | March 16, 2016

    Hi. Is there a balance transfer fee with St.George Vertigo Visa card ??? Cheers, George

    • Staff
      Sally | March 16, 2016

      Hi George,

      Thanks for your question.

      No, St.George doesn’t charge a balance transfer fee.



Credit Cards Comparison

Rates last updated May 27th, 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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