St.George Vertigo Visa Credit Card

Not available for application via this website

St.George Vertigo Visa Credit Card

2.8

Balance transfer

24 months at 0% p.a.

Purchase rate

13.99% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$55.00 p.a. ongoing

Highlights

  • Get a 0% interest rate on balance transfers for 24 months with a 2% transfer fee. After that, the rate changes to 21.99% p.a. for cash advances.
  • Start with a credit limit as low as $500, helping you keep your spending in check.
  • Add 1 additional cardholder at no extra cost.

Pros and cons

Pros

  • Get a limited edition exclusive rainbow design card.
  • A 13.99% p.a. variable rate keeps interest costs lower on purchases.
  • Low annual fee of $55 p.a.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Note that the balance transfer rate reverts to 21.99% p.a. after 24 months.
  • The 2% balance transfer fee is low but it can add up with large transfers
  • No rewards program which is typical for a basic card.

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes

Eligibility

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

Additional cardholders

Additional Cardholders
1
Additional Card Fee Ongoing
$0.00

Credit limits

Minimum Credit Limit
$500.00
Maximum Credit Limit
$80,000.00

Repayments

Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
2%

Balance transfers

Balance transfer offer

Balance Transfer Rate
0%
Balance Transfer Period
24 months
Balance Transfer Fee Percentage
2%

Balance transfer conditions

Balance Transfer From Personal Loan
No
Balance Transfer Limit Percentage
80%
Balance Transfer Revert Rate
21.99%

Rates, fees, charges

Cash advances

Cash Advance Rate
21.99% p.a.
Cash Advance Fee
N/A
Cash Advance Fee Percentage
3%
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
13.99% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$55.00
Dishonour Fee
N/A
Duplicate Statement Fee
N/A
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$15.00

Rewards

Rewards program basics

Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A

History

    User reviews

    Convenience

    Customer service

    Rates and fees

    Rewards

    Trust

    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.

    This credit card is listed in these comparisons

    As seen on

    Media - The Sydney Morning Herald
    Media - Yahoo Finance
    Media - News.com.au
    Media - Daily Mail Australia
    Media - Australian Fintech
    Media - Dynamic Business