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

Last updated: 12 April 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% for 28 months 9then 21.49% p.a.), 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% p.a. 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% p.a. 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.
Who is it good for

If you're looking for an interest free card with great features and a 0% p.a. 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.


Rates and fees information correct as at 23 June 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.
  • 13.99% p.a.

  • none

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

  • yes

  • 21.49% p.a.

  • 55

  • $55.00

  • none

  • none

  • none

  • $15.00

  • 2%, Min $2.50

  • 3.00%

  • $0.00

  • $10.50

  • $0.00

  • $10.00

  • 2.0

  • 1

  • none

Payment options

Apple Pay, Google Pay, PayID, Samsung Pay

Customer Reviews

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Customer service

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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