St.George Rainbow Vertigo Platinum Credit Card | Review & Apply

St.George Rainbow Vertigo Platinum Credit Card

My rate: 
17%
 
My annual fee: 
$90
 
Price of my purchase: 
$5,000
 
Offer
Card features
balance transfer
purchase rate
annual fee
Money saved
St.George Rainbow Vertigo Platinum Credit Card
Apply by 12 feb 20
St.George Rainbow Vertigo Platinum Credit Card
0% p.a. on purchases for up to 15 months from card approval.
$49 p.a. annual fee for the first year ($99 p.a. thereafter).
Complimentary insurance for overseas travel for 6 months.
Add to comparison
-
15 months
0% p.a.
then 12.99%
$49
1st year
then $99

Pros & cons

What's good?

What's not so good?

0% p.a. on purchases for up to 15 months from card approval.
$49 p.a. annual fee for the first year ($99 p.a. thereafter).
Complimentary insurance for overseas travel for 6 months.
Price Protection insurance and Purchase Protection insurance.
Extended warranty on purchases.
Visa Platinum Concierge Service.
The cash advance rate of 21.49% p.a. is much higher than the low rate on purchases which could hurt if you used the card for cash advances.

The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.

This limited edition card design is only available when you apply for a new Rainbow Vertigo Platinum card between 23 May 2019 and 2 October 2019.

Disclaimer (2): Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

The basics

About this card

Card setup
Single
Card tier
Platinum
Card type
Visa
Card use
Personal
Credit rating
Any
Gambling transactions allowed
No
Joint application
Yes
Minimum age
18 years old
Minimum income
$15,000
Minimum income for pensioners
Same as standard
Pensioners
Rewards program
None
Temporary residents
Yes

Cardholders

Additional cardholders
3
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
$6,000
Maximum credit limit
$40,000

Repayments

Interest charged from
Purchase date
Interest free period
Up to 55 days on purchases
Minimum repayment
2%

Rates & fees

Promotional interest rates

Interest ratePeriodFeeLimitRevert rate
Balance transfersN/AN/AN/AN/A N/A
Purchases0% p.a.15 monthsN/AN/A 12.99% p.a.

Ongoing interest rates

MonthlyAnnually
Cash advances 1.79% 21.49% p.a.
Purchases 1.08% 12.99% p.a.

Fees

Annual fee
$49 p.a.
Annual fee 2nd year
$99 p.a.
Cash advance fee
2%
Dishonour fee
$9
Duplicate statement fee
$2
Foreign exchange fee
3%
Late payment fee
$15
Over limit fee
N/A
Overseas ATM balance fee
$0
Overseas ATM withdrawal fee
$5
Overseas emergency card replacement fee
$52.50
Transaction verification fee
$0

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Earn a regular income of more than $15,000 per year
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Joint applications are allowed
Temporary residents are eligible
Age Pension, Disability Pension, Overseas Pension and Widower's Pension are acceptable.
Family Tax Benefits and Parenting Payments is acceptable.
Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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