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Balance transfer rate for 32 months with no 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 32 months, with a $55 annual fee.

If you want to cut interest costs and repay your existing credit card debt faster, the St.George Vertigo Card currently offers 32 months interest-free on balance transfers with no balance transfer fee. This card has a $55 annual fee, which 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 5.83% 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 32-month introductory period.

Pros

Balance transfer rate of 0% p.a. for the first 32 months, with no BT fee
A low ongoing annual fee
Competitive purchase interest rate of 13.99% p.a.
Additional cardholder at no extra cost

Cons

The balance transfer rate reverts to the 21.49% p.a. cash advance rate at the end of the introductory period
No rewards program
Does not offer travel perks or 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 32 months to pay off existing balances interest-free when you apply by 30 April 2024. It charges a $55 annual fee.

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 32 months, 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 30 April 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 32 months. Apply by 30 April 2024 and include your balance transfer request as part of the application to get 0% p.a. on balance transfers for 32 months, with no 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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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!

Jenni

May 25, 2023

My husband and I have separate cards can we apply for a joint card and transfer both balances across to the new card

Amy Bradney-George Finder

May 29, 2023

Hi Jenni,

Unfortunately, St.George does not offer joint credit card accounts. Balance transfers typically need to be from accounts that are under the same name as the primary cardholder, but it could be worth calling St.George on 13 33 30 to ask if you could transfer both balances to a new card in one of your names. Alternatively, you can compare other debt consolidation options that offer the flexibility to pay off credit cards and other debts held under different names. I hope that helps.

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gabby

February 22, 2023

i am wanting a low rate credit card , I have about a $4000 purchase for dental and medical for wisdom teeth removal + I owe my parents some money about $7000, can i transfer from my credit card to my parents account and pay in full?

Amy Bradney-George Finder

March 03, 2023

Hi Gabby,

Credit cards don’t typically allow you to transfer money to a bank account. If you want to borrow money that you can transfer, getting a personal loan is one option you could consider. I hope that helps.

Sunil

October 24, 2019

What is covered by the Complimentary Travel Insurance?

Ash

October 27, 2019

Hi Sunil,

Thanks for contacting Finder.

Some of the coverage offered by the St.George complimentary travel insurance is medical and hospital, loss, and damage of personal property, and cancellation of travel expenses.

I hope this helps.

Cheers,

Ash

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St.George Vertigo Card

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Required documents

Card benefits

Rates & fees

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