Purchase rate
0% p.a. for 6 months then 13.99% p.a.
Balance transfer rate
0% p.a. for 32 months and then 21.49% p.a.
Annual fees
$55 $0 in the first year
Interest free days on purchases
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Mozo editorial review St.George Vertigo - last updated: 19 November 2021

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What's hot
  • 2021 Mozo Experts Choice Award
  • 0% p.a balance transfer rate for 32 months (0% BT fee)
  • 0% purchase rate for the first six months
  • 55 interest free days
What's not
  • 21.49% p.a. cash advance rate
  • $55 annual card fee (except in the first year where it's $0)
Mozo snapshot

The St.George Vertigo card is worth a closer look for anyone looking to transfer and pay off an outstanding credit card balance, as it comes with a balance transfer rate of 0% for 32 whole months (then 21.49% p.a.), plus there's zero balance transfer fee meaning you won't have to pay to move your funds across. You probably won't be surprised to learn then that the Vertigo card was named a 2021 Mozo Experts Choice Credit Card Award winner 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. and for the first six months you hold the card it'll be 0% as an added bonus. 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 32 months (offer ends 24 February 2022) 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.
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 3 December 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.

0% p.a. for 6 months

0% p.a. for 32 months and then 21.49% p.a.


21.49% p.a.




$0 in the first year














Payment options

Apple Pay, Google Pay, PayID, Samsung Pay

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About St.George