The Westpac Low Rate Credit Card is very popular, 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.
 |  On St.George's website |
|---|---|
| Basics | |
| Description | |
| N/A | N/A |
| Additional Cardholders | |
| 1 | 1 |
| Apple Pay Enabled | |
| Yes | Yes |
| Card Type | |
| Mastercard | Visa |
| Google Pay Enabled | |
| Yes | Yes |
| Minimum Credit Limit | |
| $500.00 | $500.00 |
| Maximum Credit Limit | |
| $25,000.00 | $80,000.00 |
| Joint Application Accepted | |
| No | Yes |
| Balance transfers | |
| Balance Transfer Rate | |
| 0% | 0% |
| Balance Transfer Period | |
| 28 months | 24 months |
| Balance Transfer Fee Percentage | |
| 1% | 1% |
| Balance Transfer Revert Rate | |
| 21.49% | 21.99% |
| Rates | |
| Cash Advance Rate | |
| 21.49% p.a. | 21.99% p.a. |
| Cash Advance Fee | |
| $2.00 | N/A |
| Purchase Rate Introductory Offer | |
| N/A | N/A |
| Purchase Rate Introductory Period | |
| N/A | N/A |
| Purchase Rate Ongoing | |
| 13.74% p.a. | 13.99% p.a. |
| Fees | |
| Annual Fee Initial Year | |
| $0.00 | N/A |
| Annual Fee Ongoing | |
| $59.00 | $55.00 |
| Dishonour Fee | |
| N/A | N/A |
| Duplicate Statement Fee | |
| N/A | N/A |
| Foreign Exchange Fee | |
| $3.00 | N/A |
| Late Payment Fee | |
| $15.00 | $15.00 |
| Over Credit Limit Fee | |
| $0.00 | N/A |
| Overseas ATM Balance Fee | |
| $0.00 | $0.00 |
| Overseas ATM Withdrawal Fee | |
| $2.50 | $5.00 |
| Eligibility | |
| Minimum Age | |
| 18 years | 18 years |
| Minimum Credit Rating | |
| Below Average, Fair, Good, Very Good, Excellent | Below Average, Fair, Good, Very Good, Excellent |
| Minimum Income | |
| $15,000.00 | N/A |
| Temporary Residents Accepted | |
| Yes | Yes |
