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St.George Vertigo

Purchase rate
0% p.a. for 7 months then 13.99% p.a.
Balance transfer rate
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
Annual fees
$55 $0 in the first year
Interest free days on purchases
55
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Mozo editorial review St.George Vertigo

Last updated: 13 August 2020.

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What's hot
  • 0% p.a balance transfer rate for 22 months (1.5% BT fee applies)
  • Annual fee waived in the first year ($55/year afterwards)
  • 0% interest on purchases for 7 months
What's not
  • 21.49% p.a cash advance rate
Mozo snapshot

The St.George Vertigo credit card could be a great option for those looking to avoid paying interest (initially), as the card features generous interest free periods for both new purchases and balances transferred from existing cards. The normal $55 annual fee is even waived for the first year!

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Key features
The St.George Vertigo card has one of the lower standard purchase rates on the market at 13.99%, though new cardholders will be able to take advantage of a 0% interest offer on purchases for 7 months (offer ends 30 September 2020). 

There's also a leisurely 55 day interest free period in which to make any repayments, but make sure you do make those repayments on time, because there’s a $15 late payment fee. 

And while there is a $55 annual fee to consider, this is actually waived in the first year for new cardholders.

The card also has a 0% p.a balance transfer rate for 22 months which will help you save a heap on interest, though it does come attached with a 1.5% fee. But you'll need to move quick, as this offer ends on 30 September 2020! Just keep in mind that if you still have some debt left on the card after the balance transfer period, any outstanding balance will be hit with the cash advance rate of 21.49% so be sure to keep an eye on your repayments.

Finally, if you head overseas with your St.George Vertigo credit card just watch out for the 3.00% foreign exchange margin.
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Who is it good for

If you're looking for an interest free card with great features and a first year annual fee waiver then the St.George Vertigo is for you.

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Any catches

Cardholders will want to avoid making cash withdrawals when they can because the card features a 21.49% p.a cash advance rate.

Details

Rates and fees information correct as at 29 September 2020 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 13.99% p.a.

  • 0% p.a. for 7 months

  • 0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

  • yes

  • 21.49% p.a.

  • 55

Fees
  • $55.00

  • $0 in the first 1 year

  • none

  • none

  • $15.00

  • 2%, Min $2.50

  • 3.00%

  • $2.00

  • $10.50

  • $0.00

Features
  • $10.00

  • 2.0

  • 1

  • none

Payment options

Apple Pay, Google Pay, PayID, Samsung Pay

Customer Reviews

How are St.George credit cards rated by the Mozo community?

Overall
6.8/10
Price
6.2/10
Features
5.3/10
Customer service
6.9/10
Convenience
7.4/10
Trust
7.1/10

Latest reviews of St.George Vertigo

  • Overall 10/10
    It's good

    Good bank.

    Read full review

    Good bank.

    Price
    10/10
    Features
    0/10
    Customer service
    -1/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Phil, New South Wales reviewed 5 months ago
  • Overall 4/10
    Only use them if you are desperate.

    I wouldn’t use this service unless you have no other choice.

    Read full review

    I wouldn’t use this service unless you have no other choice.

    Price
    1/10
    Features
    1/10
    Customer service
    5/10
    Convenience
    7/10
    Trust
    3/10
    Less
    Paul, New South Wales reviewed 10 months ago
  • Overall 6/10
    Affordable and User Friendly.

    The bank itself is fine but the St George online banking app is below par.

    Read full review

    The bank itself is fine but the St George online banking app is below par.

    Price
    5/10
    Features
    5/10
    Customer service
    1/10
    Convenience
    5/10
    Trust
    9/10
    Less
    Scott, New South Wales reviewed 11 months ago
  • Overall 10/10
    Excellent customer service, friendly staff

    Friendly and helpful staff. Speedy process of loan.

    Read full review

    Friendly and helpful staff. Speedy process of loan.

    Price
    8/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -
    Less
    Haslina, Queensland reviewed about 3 years ago
  • Overall 2/10
    Hard work.

    The process involved in applying for the credit card was incredibly lengthy & difficult. There are very few branches making it difficult for me to visit one and they are only available over the phone mon to fri and not at all evenings and weekends, making it very difficult to contact them outside of my working hours.

    Read full review

    The process involved in applying for the credit card was incredibly lengthy & difficult. There are very few branches making it difficult for me to visit one and they are only available over the phone mon to fri and not at all evenings and weekends, making it very difficult to contact them outside of my working hours.

    Price
    6/10
    Features
    8/10
    Customer service
    1/10
    Convenience
    0/10
    Trust
    5/10
    Less
    Stuart, Victoria reviewed over 4 years ago
St.George

About St.George

St.George is Australia's fifth largest bank and has merged with Westpac to create a banking mega force. St.George offers a wide range of products aimed at business and corporate customers. St.George still have a customer focused team who tailor products to suit its customers needs. So if you want a bank that's good with people and good with money too, check out the St George range of credit cards, bank accounts, savings accounts, home loans and personal loans.

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