Purchase rate
13.99% p.a.
Balance transfer rate
0% p.a. for 28 months and then 21.49% p.a.
Annual fees
$55
Interest free days on purchases
55
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Mozo editorial review St.George Vertigo

Last updated: 3 March 2021.

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What's hot
  • 0% p.a balance transfer rate for 28 months (0% BT fee)
  • 55 interest free days
  • 2020 Mozo Experts Choice Award winner
What's not
  • 21.49% p.a cash advance rate
  • $55 annual fee
Mozo snapshot

The St.George Vertigo credit card could be a great option for those looking to transfer and pay off an outstanding balance, as the card comes with a 0% balance transfer rate for 28 months! The balance transfer fee is also 0%, meaning you won't have to pay to move your funds across. Plus, as if that wasn't enough this card won a 2020 Mozo Experts Choice Award for best Balance Transfer Credit Card. 

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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%. 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 also a $15 late payment fee. 

The card also has a 0% p.a balance transfer rate for 28 months (offer ends 28 September 2021) which will help you save a heap on interest. 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, there's also a $55 annual card fee to keep in mind and 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 0% balance transfer rate for a significant amount of time, you might want to check this one out.

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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 8 March 2021 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.

  • none

  • 0% p.a. for 28 months and then 21.49% p.a.

  • yes

  • 21.49% p.a.

  • 55

Fees
  • $55.00

  • none

  • 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

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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.

See St.George credit cards

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St.George

Vertigo Platinum

12.99% p.a.

6.99% p.a. for 12 months and then 21.49% p.a.

$99

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St.George

No Annual Fee

0% p.a. for 12 months then 20.74% p.a.

6.99% p.a. for 12 months and then 21.49% p.a.

$0

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St.George

Amplify Platinum

19.74% p.a.

0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)

$99

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St.George

Amplify Signature

19.74% p.a.

0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)

$279

Thumbnail icon for Bendigo Bank

Bendigo Bank

Low Rate Credit Card

11.99% p.a.

0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)

$45

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Bankwest

Zero Mastercard

17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

$0

Thumbnail icon for Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

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Bankwest

Breeze Mastercard

10.99% p.a.

0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)

$49 $0 in the first year

Thumbnail icon for Defence Bank

Defence Bank

Foundation Credit Card

3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

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St.George

Vertigo

13.99% p.a.

0% p.a. for 28 months and then 21.49% p.a.

$55

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NAB

Qantas Rewards Signature Card

19.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$395 $295 in the first year

Qantas Frequent Flyer

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American Express

Qantas Discovery Card

20.74% p.a.

No current offer

$0

Qantas Frequent Flyer

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American Express

Qantas Ultimate Card

Qantas Frequent Flyer

$450

100,000

1.25 points uncapped

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NAB

Qantas Rewards Signature Card

Qantas Frequent Flyer

$395 $295 in the first year

110,000

1 point up to $5,000/month, then
0.5 points up to $20,000/month

Thumbnail icon for St.George

St.George

Amplify Signature

Amplify Rewards

$279

200,000

1.5 points uncapped

Thumbnail icon for American Express

American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

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NAB

Qantas Rewards Premium Card

Qantas Frequent Flyer

$250

30,000

0.66 points up to $3,000/month, then
0.33 points up to $6,000/month

Thumbnail icon for American Express

American Express

Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

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St.George

Amplify Platinum

Qantas Frequent Flyer

$99

60,000

0.5 points uncapped

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Bankwest

Qantas Platinum Mastercard

Qantas Frequent Flyer

$160

30,000

0.75 points up to $2,500/month, then
0.3 points uncapped

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Bendigo Bank

Low Rate Credit Card

0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)

11.99% p.a.

$45

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Bankwest

Breeze Mastercard

0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)

10.99% p.a.

$49 $0 in the first year

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Westpac

Low Rate

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

13.74% p.a.

$59

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St.George

Amplify Platinum

0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)

19.74% p.a.

$99

Amplify Rewards

Thumbnail icon for Citi

Citi

Rewards Credit Card

0% p.a. for 30 months and then 22.24% p.a.

21.49% p.a.

$149 $49 in the first year

Citi Rewards Program

Thumbnail icon for NAB

NAB

Low Rate Card

0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)

12.99% p.a.

$59

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Bank of Melbourne

Amplify Platinum

0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)

19.74% p.a.

$99

Qantas Frequent Flyer

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St.George

Amplify Signature

0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)

19.74% p.a.

$279

Amplify Rewards

Thumbnail icon for Bendigo Bank

Bendigo Bank

Low Rate Credit Card

11.99% p.a.

0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)

$45

Thumbnail icon for Defence Bank

Defence Bank

Foundation Credit Card

3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

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ME

frank Credit Card

11.99% p.a.

No current offer

$0

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St.George

Vertigo

13.99% p.a.

0% p.a. for 28 months and then 21.49% p.a.

$55

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NAB

StraightUp Card

0% p.a.

No current offer

$120 $10/month - waived if no spend & no balance owing

Thumbnail icon for Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

Thumbnail icon for NAB

NAB

Low Rate Card

12.99% p.a.

0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)

$59

Thumbnail icon for Bank of Melbourne

Bank of Melbourne

Vertigo

13.99% p.a.

0% p.a. for 28 months and then 21.49% p.a.

$55

Thumbnail icon for Bendigo Bank

Bendigo Bank

Low Rate Credit Card

11.99% p.a.

0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)

$45

Thumbnail icon for Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

Thumbnail icon for Bankwest

Bankwest

Breeze Mastercard

10.99% p.a.

0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)

$49 $0 in the first year

Thumbnail icon for Defence Bank

Defence Bank

Foundation Credit Card

3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

Thumbnail icon for Citi

Citi

Simplicity Credit Card

0% p.a. for 6 months then 21.49% p.a.

0% p.a. for 6 months and then 22.24% p.a.

$0

Thumbnail icon for ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Thumbnail icon for NAB

NAB

StraightUp Card

0% p.a.

No current offer

$120 $10/month - waived if no spend & no balance owing

Thumbnail icon for NAB

NAB

Low Rate Card

12.99% p.a.

0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)

$59