The details shown below are for a card without rewards

The details shown below are for a card without rewards

Choose the version of this credit card that suits you best

  • Vertigo - Cashback Offer

    Rewards: n/a

  • Vertigo

    Rewards: n/a

Purchase rate
13.99% p.a.
Balance transfer rate
2.99% p.a. for 15 months and then 21.49% p.a.
Annual fees
$55 $0 in the first year
Interest free days on purchases
55
Go to site
Purchase rate
13.99% p.a.
Balance transfer rate
0% p.a. for 30 months and then 21.49% p.a.
Annual fees
$55 $0 in the first year
Interest free days on purchases
55
Go to site

Mozo editorial review St.George Vertigo - last updated: 16 August 2021

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What's hot
  • 0% p.a balance transfer rate for 30 months (0% BT fee) - Available with the Balance Transfer option
  • 55 interest free days
  • Cashback option available in place of 0% BT offer (Available with the Vertigo Cashback option)
What's not
  • 21.49% p.a. cash advance rate
  • $55 annual fee (except in the first year where it's $0)
Mozo snapshot

The St.George Vertigo credit card comes with lots of options depending on what you're after. The Balance Transfer option could be worth considering for those looking to transfer and pay off an outstanding balance, as it comes with a 0% balance transfer rate for 30 months! The balance transfer fee is also 0% for 30 months (then 21.49% p.a.), meaning you won't have to pay to move your funds across. But if you're not after a balance transfer program, then there's also a Cashback option to take advantage of if you like getting dollars back in your wallet while spending.

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Key features
Vertigo 0% Balance Transfer option:

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 30 months (offer ends 30 November 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 (except in the first year when this fee is waived), and if you head overseas with your St.George Vertigo credit card, just watch out for the 3.00% foreign exchange margin.

Vertigo Cashback option:

By choosing the cashback option instead of the Vertigo balance transfer program, you’ll can access $300 cashback if you spend $4,000 on eligible purchases within the first four months. Don't forget, this offer is only for new Vertigo card customers and you’ll need to apply by 30 November 2021. You’ll also see the $55 annual fee waived in the first year with this option.

The other key difference between this offer and the Vertigo BT is that the balance transfer rate is 2.99% for the first 15 months. Like the standard offer, it reverts to 21.49% (although remember the BT Vertigo customers get 0% for the full 30 months).

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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 (when you choose the Vertigo 0% Balance Transfer option) 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 16 October 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

2.99% p.a. for 15 months and then 21.49% p.a.

yes

21.49% p.a.

55

Fees

$55.00

$0 in the first year

none

none

$15.00

2%, Min $2.50

3.00%

$0.00

$10.50

$0.00

Features

$10.00

2.0

1

none

Payment options

Apple Pay, Google Pay, PayID, Samsung Pay

Other benefits

Receive $300 cashback when you spend $4,000 on eligible purchases within 120 days. For new applications made by 30 November 2021.

Details

Rates and fees information correct as at 16 October 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 30 months and then 21.49% p.a.

yes

21.49% p.a.

55

Fees

$55.00

$0 in the first year

none

none

$15.00

2%, Min $2.50

3.00%

$0.00

$10.50

$0.00

Features

$10.00

2.0

1

none

Payment options

Apple Pay, Google Pay, PayID, Samsung Pay

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