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St.George Vertigo MasterCard Credit Card Review

May 3rd, 2008

* * * * 4 Stars

The St.George Vertigo MasterCard is the “Winner of Money Magazine’s Best of the Best Award for Cheapest Credit Card”, and with good reason.
The ideal credit card for Australian’s who love shopping with a low rate on purchases.

A low rate on purchases of 11.89% p.a
0% p.a. balance transfer rate for up to 6 months
Awarded Australia’s cheapest credit card – Money Magazine 2008.
Up to 55 interest free days on purchases*
Low $45 annual fee
An additional card for a friend or family member, with all transactions on one statement
Linked access to your other St.George accounts, for the ease of one card banking
Instant discounts with St.George Instant Benefits

Click here to see the Official St.George Vertigo Mastercard Offer.

Credit Card Review

The recent release of the St George Vertigo Low rate Credit Card offers a solid development in the credit card market. The card has a number of strengths and its users have been pressed to find any major faults in the product. The basic interest rate is generous at 10.99% and the card has been awarded Australia’s cheapest credit card award by Money magazine. The annual fee, at $45 is also fair. The interest free period of 55 days is also selling point of the card. There is also a system of linked access to other St George accounts and a discount incentive system with other St George products.

Customers reviewing the card have always stated that the card is very functional and have been impressed by its major selling features. In addition to this, the customer service which accompanies the card also often gets a wrap. The card activation, internet and phone service are all quick convenient and user-friendly. Overall, this card is a great product!

St.George Vertigo Mastercard Benefits

Find it difficult to pay off your high interest credit cards in full each month. This lower interest will save you money. You’ll need to account for the $45 annual fee, so check to see if your current card has an annual fee of $45 or more. If so, you’ll be saving money. If not, consider how much interest you’re paying each year.
St. George has provided the following table for you to consider differences in interest rates.

Terms and Conditions

Interest rate is current as at 12/03/08 and is subject to change. 55 days interest free on purchases only on accounts paid in full by the due date. Interest free period does not apply to cash advances (cash advances are 20.49%p.a on Vertigo MasterCard), or any purchases while an amount that has been debited as a result of a balance transfer remains unpaid. All applications for credit are subject to the Bank’s prevailing credit criteria. Fees, charges, terms and conditions apply and full details are available upon request.
If your application for credit is approved, the special balance transfer rate period commences on the date the account is opened. The special Balance Transfer interest rate period ends 6 months later, regardless of when any balance transfer request is processed by us. On the date the special balance transfer rate period ends the interest rate on the outstanding transferred balances reverts to the standard variable rate applying to purchases. Any interest free period for purchases does not apply while an amount that has been debited as a result of a balance transfer remains unpaid. Balance Transfers will not be accepted from personal loan, overdraft, business or St.George Group or international credit card accounts.