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Balance transfer rate for 28 months with 1% balance transfer fee: 0% p.a.
Purchase rate: 13.99% p.a.
Annual fee: $55 p.a.
Interest-free on purchases: Up to 55 days

Our verdict

A no-frills credit card offering 0% interest on balance transfers for 28 months, with a one-time 1% balance transfer fee and a $55 annual fee.

If you want to cut interest costs and repay existing credit card debt faster, the St.George Vertigo Card offers 28 months interest-free on balance transfers with a one-time 1% balance transfer fee. This is currently the longest 0% deal available and the $55 annual fee is still on the lower end of the scale.

If you’re planning to shop with a credit card, the St.George Vertigo Card also gives you an interest rate of 13.99% p.a. for purchases when you carry a balance from month to month. This is 6.08% lower than the average standard credit card interest rate according to the RBA. But you should avoid spending on the card if you want to pay off your balance transfer in full before the 0% introductory period ends. Otherwise, a 21.49% p.a. interest rate will apply to any balance transfer debt that’s left after the 28-month introductory period.

Pros

Balance transfer rate of 0% p.a. for the first 28 months
A low ongoing annual fee
Competitive purchase interest rate of 13.99% p.a.
Additional cardholder at no extra cost

Cons

Charges a one-time 1% balance transfer fee
Balance transfer rate reverts to 21.49% p.a. at the end of the introductory period
No rewards program, travel perks and insurance covers

The St.George Vertigo is a low rate card suited to people looking for just the basics when it comes to a credit card. Right now, it has a long 0% balance transfer offer that gives you 28 months to pay off existing balances interest-free when you apply by 31 July 2024. This is currently the longest 0% offer on the market.

If you want to make new purchases, the St.George Vertigo card also has 13.99% p.a. interest rate for new purchases and offers up to 55 days interest-free. And unlike a lot of other cards on the market, you'll still get interest-free days on new purchases while you have a balance transfer.

Details

Product details

Product Name	St.George Vertigo Card
Balance transfer rate p.a.	0% for 28 months with 1% balance transfer fee, then 21.49%
Balance transfer limit	80% of available limit
Purchase rate p.a.	13.99%
Interest-free period	Up to 55 days on purchases
Cash advance rate p.a.	21.49%
Min credit limit	$500
Max credit limit	$80,000
Card type	Visa

Eligibility

Available to temporary residents	Yes - Conditions apply
Joint application	No

Rewards

Bonus points

N/A

Fees

Annual fee	$55
Minimum monthly repayment	2% of the closing balance or $10, whichever is greater
Late payment fee	$15
Foreign currency conversion fee	3%
Cash advance fee	3%
Overseas cash advance fee	3% of each cash advance amount
Additional cardholder fee	$0

How to apply

You can apply for the St.George Vertigo Card in 10 minutes and receive a response instantly. Before you apply, make sure you meet the eligibility requirements and have the necessary details to complete the application:

Eligibility criteria

New cardholder. The balance transfer offer is only available when you apply for the St.George Vertigo Classic Card as a new cardholder before 31 July 2024.
Eligible balance transfer. If you're interested in the balance transfer offer, it is important to note that any balance transfer debt needs to be from a card (or cards) that are not issued by St.George, Bank of Melbourne, or BankSA. You are allowed to transfer from $200 up to 80% of your credit limit.

Residency. To apply online, you must be an Australian citizen or permanent resident.
Age. You must be at least 18 years old to apply.

Required documents

Personal details. This may include your full name, contact information and proof of your identity such as your Australian driver's licence, Medicare card, passport, Australian birth certificate or NSW photo card.
Employment. This includes your role, the length of your employment and your employer's name and contact details.
Finances. You'll be asked to confirm your annual income, plus details of your savings, investment and assets.
Balance transfer information. If you're requesting a balance transfer, you'll need to provide details regarding the accounts you're moving it from and the size of debt you're transferring.

Go to St.George's site More info

Card benefits

0% p.a. on balance transfers for 28 months. Apply by 31 July 2024 and include your balance transfer request as part of the application to get 0% p.a. on balance transfers for 28 months, with a one-time 1% balance transfer fee. Any remaining balance after the promotional period ends is subject to the cash advance rate, currently 21.49% p.a. You can transfer up to 80% of your approved credit limit from up to 3 cards not issued by St.George, BankSA or Bank of Melbourne.
Competitive purchase rate. The variable interest rate on purchases is 13.99% p.a.

Free additional card. Request a secondary St.George Vertigo Classic card for a family member without paying any additional fees.
Mobile payments. Use your phone or other compatible Apple, Android or Samsung devices to make tap and go payments. Simply add this card to your Apple Pay, Google Pay or Samsung Pay wallet.

Rates & fees

Annual fee. This card attracts an annual fee of $55 p.a.
Cash advance rate. If you withdraw cash from an ATM, make a cash-equivalent transaction or have debt remaining at the end of the balance transfer period, you will be charged interest at 21.49% p.a.

Currency conversion fee. If you use the card overseas or with an international online retailer, you will be charged 3% of the Australian dollar value per transaction.
Interest-free period. This card offers you up to 55 days interest-free on new purchases when you pay your monthly payment balance listed on your statement in full by the payment due date. Note that these interest-free days are separate from any longer-term interest rate promotions and the monthly payment balance excludes current balance transfers.

Go to St.George's site More info

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Amy Finder

Editor

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Grant

February 03, 2024

Hi there,

I can’t seem to find a balance transfer fee on finder, or on St George’s website (ordinarily I’d expect a 1-3% fee for the transfer). Does the balance transfer not have any fees attached to it?

Thanks

Amy Bradney-George Finder

February 05, 2024

Hi Grant,

The current balance transfer offer on this card doesn’t have a balance transfer fee. I hope this helps.

Cristina

January 25, 2024

I have few credit cards paying it off (different financial services), which I am paying interest per card. I would like to consolidate/balance transfer so are all pay to one card. I checked that St George has an offer currently of 32 months interest free. Can you please assist? You can send information to my email ebuen_c@hotmail.com or call mobile 0402327720

Thank you

Regards

Cristina

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Sarah Megginson Finder

January 30, 2024

Hi Cristina, if you click the green ‘go to site’ button you will arrive on the St George website and you can proceed with your application. Best of luck!

Robyn

January 24, 2024

Can health care card holders apply for a $3000 transfer

Sarah Megginson Finder

February 15, 2024

Hi Robyn,

We are not licenced to provide personal advice, so you’ll need to contact St George about your chances of being approved. Generally, banks take into consideration a number of things when processing your application, including your income, expenses and other debts.

Another thing to consider: you may be eligible for a Good Shepherd 0% interest loan, of up to $3000 – these are usually available to help with urgent medical bills and housing costs, like rent.

Hope this helps!

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Curious

January 17, 2024

Can I transfer vertigo balance transfer credit card to my home loan account?

Amy Bradney-George Finder

January 17, 2024

Yes, you may be able to refinance your home loan to consolidate your credit card debt but it could cost you more interest over time. Finder’s guide to debt consolidation through a home loan has more details and insights that may be helpful. Other debt consolidation options you can consider include personal loans and balance transfer credit cards. I hope this helps.

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December 07, 2023

It says you can only transfer 80% of your BT. Does this mean if my BT transfer was $15K, I’d only be approved for 80% of that BT?

Sarah Megginson Finder

December 11, 2023

Hi AJ, this means if your new card limit is $15k, you can only transfer 80% of that value ($12,000) as a BT. If you wish to transfer $15k, you would need a credit card limit of around $19,000 or more in order to transfer $15k across.

Hope this helps!

St.George Vertigo Card

Pros

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Eligibility criteria

Required documents

Card benefits

Rates & fees

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