St.George Vertigo Visa Credit Card

On website

Apply by 31 July 2024

St.George Vertigo Visa Credit Card

Balance transfer

28 months at 0% p.a.

Purchase rate

13.99% p.a. ongoing

Annual fee

$55.00 p.a. ongoing


  • Benefit from a 28-month 0% interest period on Balance Transfers, accompanied by a 1% balance transfer fee. Afterwards, it switches to a cash advance rate of 21.49% p.a.
  • Enjoy a low variable interest rate of 13.99% p.a. on purchases.
  • The annual fee remains low at $55 p.a.

Pros and cons


  • 0% p.a. for 28 months on balance transfers with no balance transfer fee.
  • 13.99% p.a. low variable interest rate on purchases.
  • Low annual fee of $55 p.a.


  • Balance transfer rate reverts to 21.49% p.a. after 28 months.
  • There are no rewards program for this card.

About this credit card


Card usage

Apple Pay Enabled
Card Type
Gambling Transactions Allowed
Samsung Pay Enabled


Joint Application Accepted
Minimum Age
18 years
Minimum Credit Rating
Below Average, Fair, Good, Very Good, Excellent
Minimum Income
Temporary Residents Accepted

Additional cardholders

Additional Cardholders
Additional Card Fee Ongoing

Credit limits

Minimum Credit Limit
Maximum Credit Limit


Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage

Balance transfers

Balance transfer offer

Balance Transfer Rate
Balance Transfer Period
28 months
Balance Transfer Fee Percentage

Balance transfer conditions

Balance Transfer From Personal Loan
Balance Transfer Limit Percentage
Balance Transfer Revert Rate

Rates, fees, charges

Cash advances

Cash Advance Rate
21.49% p.a.
Cash Advance Fee
Cash Advance Fee Percentage
Cash Advance Fee Threshold


Purchase Rate Introductory Offer
Purchase Rate Introductory Period
Purchase Rate Ongoing
13.99% p.a.

Account fees

Annual Fee Initial Year
Annual Fee Ongoing
Dishonour Fee
Duplicate Statement Fee
Foreign Exchange Fee Percentage
Late Payment Fee


Rewards program basics

Rewards Program
Rewards Program Annual Fee Initial Year
Rewards Points Expiry

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
Government Rewards Points Earn Rate
Overseas Rewards Points Earn Rate

Additional perks


Cardholder's Domestic Hotel Burglary Insurance
Cardholder's Extended Warranty Insurance
Cardholder's International Travel Insurance
Cardholder's Interstate Flight Inconvenience
Cardholder's Personal Item Theft Cover
Cardholder's Price Protection Insurance
Cardholder's Purchase Protection Insurance
Cardholder's Refund Protection
Cardholder's Transport Accident Insurance

Travel and lifestyle

Airport Lounge Access Included
Concierge Service Included
Complimentary Flight Voucher Included
Complimentary QFF Membership Included

Our review


Customer service

Rates and fees



Credit card bargain hunters don’t all have the same wishlist. Some are looking for a low ongoing purchase interest rate, while for others a long-lasting zero-interest balance transfer offer may be more important. And for many individuals, the one truly important factor is a low annual fee. But are you out of luck if you are looking for all three of these cost-effective features? No, you are not, because the St. George Vertigo Visa combines all of these desirable components in a single card.

Low ongoing purchase interest rate of 13.99% p.a.

Introductory zero-interest rate offers are all well and good, but when the deal is about to expire and crunch time comes, you’ll want a card with a low ongoing purchase interest rate. There may be future occasions when you need a little short-term financial wriggle room, and the low-interest rate on purchases allows you to pay less interest than you would on many other cards.

28 months @ 0% on balance transfers

You can also transfer balances to this card from up to three credit or store cards not issued by St. George Bank or its two associated banks, BankSA and Bank of Melbourne. If you have an existing debt problem, 28 months should give you time to get your finances sorted out and accumulate enough spare cash to pay off the balance before you have to start paying the revert interest rate of 21.49% p.a. (the same high rate as applied to cash advances.) So plan to pay off the balance within 18 months and avoid the revert rate if you possibly can, to avoid getting into a long-term debt situation.

There is, however, some more good news. Unlike many of its competitors which charge between 1% and 2.5%, this card does not impose an upfront fee on cash advances.

An opportunity to earn interest for some

If your financial life is already under control, you can actually earn a little money out of this deal, or reduce your mortgage interest. Transfer a balance of $5,000 and put it on deposit at 2.5% to earn around $169 in interest. Or put the same amount in a 3.5% mortgage offset account and save about $238 in mortgage interest, over a 16-month period.

No interest-free days if you have a balance transfer

If you do take up the balance transfer option, one trap to be aware of is that you will not be able to rely on the normal monthly interest-free days on purchases. Having an unpaid balance transfer means that you will lose your regular interest-free days until it is paid off. Plan to use cash or another card for purchases until the transferred balance is cleared.

Low $55 annual fee

While it’s certainly true that there are a few credit cards with no annual fee at all, it’s unusual to find a no-fee card that has both a zero-interest balance transfer offer and such a low ongoing purchase interest rate.

That’s the combination you are paying for with this quite low $55 annual fee. When the balance transfer offer expires you will be left with a low ongoing interest rate on an extremely functional card with the following important additional features:

  • Up to 55 interest-free days on purchases every month, provided you don’t have any kind of unpaid overdue balance
  • One supplementary cardholder at no extra cost
  • Visa payWave for speedy contactless transactions under $100
  • St. George Mobile Banking app: secure fingerprint login lets you check the balance of your account quickly, and put a block on your card if you misplace it
  • Verified by Visa: a system of one-time passwords delivered by SMS for extra security when shopping online
  • 24/7 fraud monitoring to detect suspicious purchase transactions

Take a look at similar cards

Before you decide, what can you expect from St. George Vertigo Visa’s low-interest-rate rivals? Check out the most competitive ones: the ME frank Credit Card, the Coles Low Rate Mastercard, and the American Express Essential Credit Card. All of these cards have their own merits, but may not necessarily be the right card to suit your exact circumstances.

You can compare more low-interest cards on the ‘Low interest’ page in our Features section.

The St. George Vertigo Visa could be the perfect card for . . .

  • Someone who may occasionally fail to pay off their purchase balance on time, and therefore needs a low ongoing purchase interest rate.
  • Someone who does not intend to use the card for cash advances, and can therefore avoid the high 21.49% p.a. cash advance interest rate.
  • Someone with existing balances they are struggling to pay off, on one or more credit cards, and could make good use of a long, interest-free balance transfer with no upfront fee.
  • Someone with their finances in order, who wants to earn a little interest through the balance transfer offer.
  • Someone more interested in a basic, functional credit card than in rewards points or insurance they may never use.
  • Someone who only wants to carry one card, and therefore needs to avoid the lower acceptance rate and possible surcharges that come with an American Express card.

If you can say ‘Yes’ to more than half the above points, the St. George Vertigo Visa may be the most appropriate card for your personal situation.


Reviewed by Credit Card Compare Staff

User reviews


Customer service

Rates and fees



Fairly happy with my first and only credit card

Reviewed by Elle

My life line

Reviewed by ddeediz

New customer, no issues

Reviewed by Kris

Great product

Reviewed by Jane

Great card

Reviewed by Dwayne

Good interest rate, bad customer service

Reviewed by Richard

I'm generally pleased with this credit card

Reviewed by Margarida Sa-Sawyer

My card

Reviewed by Kevin

Interest and fees that aren't crazy high

Reviewed by Nadine

I saved on interest using the balance transfer

Reviewed by Michael

Had this card for more than 20 years

Reviewed by Ann

No debts

Reviewed by Trudy

Eating my money

Reviewed by Pam

I wish I never had this one

Reviewed by Leanne

Bad interest rate

Reviewed by Nicole

Way better than getting a personal loan

Reviewed by Michelle

The best card for savings

Reviewed by Tammy

Helped me maintain family budget

Reviewed by Aliecia

Interest-free period

Reviewed by Glenyss

Low fees, very convenient, great service

Reviewed by Pippa

Sixteen years of great service and offers

Reviewed by Carmen

Cheap and cheerful

Reviewed by Kate

Balance transfer was easy

Reviewed by Pri

Good zero interest balance transfer credit card

Reviewed by Perihan

They don't want to do business

Reviewed by Mark

Would you like to review this product? Click here to write your review and help others make a better decision.