St.George Vertigo Visa Card – Rates and Fees

Information verified correct on September 30th, 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.
  • Your application will typically take you no more than 10-15 minutes to complete
  • Once approved, you will typically receive your credit card within 1-2 weeks
Click here to start your application >>
  • 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 1% p.a. interest on purchases for 12 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.)1% p.a. for 12 months (reverts to 13.24% p.a.)
Offer end date4 January 2017
Annual fee$55 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% 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 Cash Advance Fee2%
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 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 1% p.a. for 12 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 1% p.a. for up to 12 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 using a St.George Vertigo Visa

  • Balance transfer offer. Apply before 4 January 2017 and 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 1% on purchases for 12 months. Offer ends on 4 January 2017.
  • 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.

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 can apply for the card if you are 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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681 Responses to St.George Vertigo Visa Card – Rates and Fees

  1. Default Gravatar
    Sanje | September 13, 2016


    I have a balance at Toyota finance after purchase a car, I want to finish the last payment before December 2016, Can I transfer that money to a new credit card as a balance transfer.?


    • Staff
      Jonathan | September 22, 2016

      Hi Sanje, thanks for your inquiry!

      Since Toyota finance loans qualify as a personal loan you can balance transfer it to a new credit card with specific providers.



  2. Default Gravatar
    Sharon | September 9, 2016

    We already have a St George card which is fully paid. Are we able to transfer balances from our ANZ card for your offer of 0% interest or does this only apply to new applications?

    • Staff
      Ally | September 21, 2016

      Hello Sharon,

      Thanks for your inquiry.

      You can take advantage of the 0% p.a. for 18 months balance transfer offer if you’re able to get your St. George Vertigo Visa card between 24 June 2016 and 29 September 2016.

      Nonetheless, you can still transfer balances from your ANZ card, but the balance transfer rate will depend on the offer at the time you were able to secure your St. George card. If there was no offer, then the purchase rate would simply apply, which is currently at 13.24% p.a.

      I hope this answers your question.


  3. Default Gravatar
    Kirra | September 6, 2016

    Hi can a company apply for this credit card?

    • Staff
      Anndy | September 6, 2016

      Hi Kirra,

      Thanks for your question.

      The St. George Vertigo Visa Card is available only for individuals. If you are looking for a business credit card, you can compare your options here.


  4. Default Gravatar
    Bec | August 10, 2016

    Do you know if you can do a balance transfer to this card from a Westpac card?
    As I know St George and Westpac are linked some how.

    • Staff
      Anndy | August 11, 2016

      Hi Bec,

      Thanks for your question.

      Yes, you can transfer your Westpac credit card balance to a St.George credit card.


  5. Default Gravatar
    Robert | July 30, 2016

    Hi there can I do a balance transfer from a creditor called “Once online” to the St George vertigo visa card?

    • Staff
      May | August 1, 2016

      Hi Robert,

      Thanks for your inquiry.

      So long you meet the eligibility criteria and requirements of the Once credit card, then you should be able to apply and conduct a balance transfer from your St. George credit card.


  6. Default Gravatar
    Austin | July 18, 2016

    I am just wondering if there are any extras for the St George Vertigo visa card.

    • Staff
      Ysa | July 18, 2016


      Thanks for your question.

      Just to confirm, are you referring to additional cardholders with St.George Vertigo Visa?
      If so, we can confirm that an additional cardholder can be issued on the primary cardholder’s credit card account to any nominated person aged 16 or older, at no extra cost.

      I hope this helps.


  7. Default Gravatar
    JUDY | June 24, 2016

    I live in Queensland on the Gold Coast. Can you tell me where the nearest St.George bank is? Thanks

    • Staff
      Ysa | June 27, 2016

      Hi Judy,

      Here are the St.George branches which are available on Gold Coast, Queensland.
      - Broadbeach, Pacific Fair Branch
      - Southport Branch (on Nerang Street)
      - Robina Branch
      - Burleigh Heads Branch

      I hope this helps. Please let me know if I can assist you further.


  8. Default Gravatar
    Warren | June 22, 2016


    I am interested in taking advantage of one of the 0% interest rate cards but i am unable to get transferred to St George’s or Bank Of Melbourne but the links appear to be broken.


    • Staff
      May | June 22, 2016

      Hi Warren,

      Thanks for reaching out.

      I’ve tried our ‘Go to site’ button on the review page for both St. George and Bank of Melbourne Vertigo Visa card, it worked fine and I was able to be redirected to the application page of the two cards without a problem. I hope you’ll be able to use the following links without issues too:

      St. George Vertigo Visa
      Bank of Melbourne Vertigo Visa


  9. Default Gravatar
    James | June 21, 2016

    Can the proceeds of a balance transfer be payable by cheque or must it go into an existing credit card account from another financial institution ?

    • Staff
      May | June 21, 2016

      Hi James,

      Thanks for your question.

      If you will conduct a balance transfer to your St. George Vertigo Visa Card, the transfer cannot be payable by cheque but rather you can request a balance transfer when you apply for your credit card and St.George will arrange to transfer the balance for you.

      Please also note that the activation of your St.George is a must card for the balance transfer to take place.

      I hope this has answered your question.


  10. Default Gravatar
    Deborah | June 2, 2016

    Is there are charge or fee to transfer the balance from another CC to this one. If so, how is it calculated?

    • Staff
      Anndy | June 6, 2016

      Hi Deborah,

      Thanks for your comment.

      St.George Vertigo Visa Card has no associated balance transfer fee when you move your balance from another credit card.


Credit Cards Comparison

Rates last updated September 30th, 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.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 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

* 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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