Offer

Card features

balance transfer

purchase rate

annual fee

Money saved

Apply by 30 sep 20

6 reviews

St.George 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).

Low revert rate on Purchases of 12.99% p.a. (ongoing).

Add to comparison

12 months
6.99% p.a.
then 21.49%
with a 0% fee

15 months
0% p.a.
then 12.99%

$49
1st year
then $99

saved over 12 months

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).

Low revert rate on Purchases of 12.99% p.a. (ongoing).

Enjoy 6.99% p.a. for 12 months on Balance Transfers with no balance transfer fee (reverts to cash advance fee).

Complimentary insurance for overseas travel for 6 months.

Price Protection insurance and Purchase Protection insurance.

Extended warranty on purchases.

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.

• Joint applications are limited to branch and customer care only. Currently, the bank is not accepting balance transfer requests with joint applications.
• 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.

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.

User reviews

3.6 out of 5.0 based on 6 reviews100% of reviewers would recommend this card

Rates and fees

Rewards

Customer service

Convenience

Trust

Reviews from users

It's worked OK for me

Reviewed and recommended by Kathryn on 31 Aug 2016

My St George Vertigo Platinum Credit Card is a reliable card. It’s convenient to use for online shopping, buying concert tickets, travelling etc. I’ve had no trouble with it at all and would have no hesitation to recommend it to others. In fact, I already have to my family and friends.

One of the lowest interest rates, but no rewards

Reviewed and recommended by Poizon on 18 Jul 2016

It has one of the lowest of interest rates out there. Who’s 100% happy paying interest? I could do without an annual card fee, or maybe the fee could be reduced.
I haven’t had any issues in all the years I’ve had it. It’s the only card i’ve ever had, so I can make no comparison.
They are quick dealing with fraud.

Great balance transfer facility

Reviewed and recommended by Darryl on 25 Jun 2016

It really helped save me money on the interest I would have needed to pay had I not been able to do a balance transfer with this credit card! It was really easy to make payments to the card having a St.George Complete Freedom account as well. It was also very easy to apply for balance transfers.

Saved me getting hit with interest

Reviewed and recommended by Joshua on 09 Jun 2016

Due to unforeseen circumstances I had to use a large sum of the credit card from my own bank. Due to financial pressures I could only pay back the bare minimum. At this point I started getting hit with interest fees. I applied for the Vertigo Platinum for the 0% interest-free window. The balance transfer was quick and convenient. I am now re-paying St.George without the hassle of interest.

I saved a lot of money with this card

Reviewed and recommended by Winnie on 09 Jun 2016

The St.George branch staff recommended this card to me. I used it for the balance transfer and saved around $600 a year in interest repayments. I also save money on the annual fee for the first year. I recommended this card to my family and friends and some of them got this card as well.

Great credit card

Reviewed and recommended by Nasrin Azizi on 05 Sep 2014

It is a great card with a low interest rate from a trusted lender. The most suitable card for our needs, we worked out that the pros outweigh the cons and we are better off with this card. Minimum limit on the card is $6,000, which is suitable for us.

Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

The basics

About this card

Card setup

Single

Card tier

Platinum

Card type

Visa

Card use

Personal

Credit rating

Any

Gambling transactions allowed

Joint application

Yes

Minimum age

18 years old

Minimum income

$15,000

Minimum income for pensioners

Same as standard

Pensioners

Eligible (more details)

Rewards program

None

Temporary residents

Yes

Cardholders

Additional cardholders

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

Balance transfers

The offer

	Interest rate	Period	Fee	Limit	Revert rate
Balance transfers	6.99% p.a.	12 months	0%	80% of credit limit	21.49% p.a.

Balance transfers to this card

Balance transfer earns rewards

Balance transfer fee payment due

First statement

Balance transfer from personal loan

N/A

Balance transfer processing time

10 - 14 days

Interest free days with unpaid balance

0 days

Maximum balance transfer

80% of credit limit

Available to existing customers

Banks you can't balance transfer from

You can't balance transfer to the St.George Vertigo Platinum Credit Card at the promotional balance transfer rate from:

Bank of Melbourne
Bank SA
St.George

Rates & fees

Promotional interest rates

	Interest rate	Period	Fee	Limit	Revert rate
Balance transfers	6.99% p.a.	12 months	0%	80% of credit limit	21.49% p.a.
Purchases	0% p.a.	15 months	N/A	N/A	12.99% p.a.

Ongoing interest rates

	Monthly	Annually
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

Dishonour fee

Duplicate statement fee

$7.50

Foreign exchange fee

Late payment fee

$15

Over limit fee

N/A

Overseas ATM balance fee

Overseas ATM withdrawal fee

Overseas emergency card replacement fee

$52.50

Transaction verification fee

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.