Westpac Low Rate vs St.George Vertigo Visa

Verified by David Boyd   |   Updated 8 May 2024

The Westpac Low Rate Credit Card is very popular onCredit Card Compare, primarily due to its enticing balance transfer option and continued low purchase rates.

However, how does it compare to the St.George Vertigo Visa? Which one offers a superior balance transfer offer and lower fees? Explore this through a detailed, side-by-side comparison examining rates, fees, and eligibility requirements.

Westpac Low Rate Credit Card
St.George Vertigo Visa

On website

Basics
Description
N/AN/A
Additional Cardholders
11
Apple Pay Enabled
YesYes
Card Type
MastercardVisa
Google Pay Enabled
YesNo
Minimum Credit Limit
$500.00$500.00
Maximum Credit Limit
$25,000.00$40,000.00
Joint Application Accepted
NoYes
Balance transfers
Balance Transfer Rate
0%0%
Balance Transfer Period
28 months28 months
Balance Transfer Fee Percentage
1%1%
Balance Transfer Revert Rate
21.49%21.49%
Rates
Cash Advance Rate
21.49% p.a.21.49% p.a.
Cash Advance Fee
$2.00$2.00
Purchase Rate Introductory Offer
N/AN/A
Purchase Rate Introductory Period
N/AN/A
Purchase Rate Ongoing
13.74% p.a.13.99% p.a.
Fees
Annual Fee Initial Year
$0.00N/A
Annual Fee Ongoing
$59.00$55.00
Dishonour Fee
N/A$9.00
Duplicate Statement Fee
N/A$2.00
Foreign Exchange Fee
$3.00$3.00
Late Payment Fee
$15.00$15.00
Over Credit Limit Fee
$0.00N/A
Overseas ATM Balance Fee
$0.00$0.00
Overseas ATM Withdrawal Fee
$2.50$5.00
Eligibility
Minimum Age
18 years18 years
Minimum Credit Rating
Below Average, Fair, Good, Very Good, ExcellentBelow Average, Fair, Good, Very Good, Excellent
Minimum Income
$15,000.00$15,000.00
Temporary Residents Accepted
YesYes