St.George Vertigo Card
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CardIQ
Good
Overall score, out of 100 · How this works
- 55 days interest-free56
- Balance transfer62
- Low rate58
Customer reviews
Based on 35 reviews. We show 20 of them.
What praise there was went to customer service and fees.
It's worked OK for me
It’s convenient to use for online shopping, buying concert tickets, travelling etc. I’ve had no trouble with it at all and would have no hesitation to recommend it to others. In fact, I already have to my family and friends.
One of the lowest interest rates, but no rewards
It has one of the lowest of interest rates out there. Who’s 100% happy paying interest? I could do without an annual card fee, or maybe the fee could be reduced. I haven’t had any issues in all the years I’ve had it. It’s the only card i’ve ever had, so I can make no comparison.…
Great balance transfer facility
It really helped save me money on the interest I would have needed to pay had I not been able to do a balance transfer with this credit card! It was really easy to make payments to the card having a St.George Complete Freedom account as well. It was also very easy to apply for…
Saved me getting hit with interest
Due to unforeseen circumstances I had to use a large sum of the credit card from my own bank. Due to financial pressures I could only pay back the bare minimum. At this point I started getting hit with interest fees. I applied for the Vertigo Platinum for the 0% interest-free…
I saved a lot of money with this card
The St.George branch staff recommended this card to me. I used it for the balance transfer and saved around $600 a year in interest repayments. I also save money on the annual fee for the first year. I recommended this card to my family and friends and some of them got this card…
Great credit card
It is a great card with a low interest rate from a trusted lender. The most suitable card for our needs, we worked out that the pros outweigh the cons and we are better off with this card. Minimum limit on the card is $6,000, which is suitable for us.
Looked like a great deal to me – filled out the online application, received confirmation that I had been approved subject to providing documentation.Fair enough. I supplied the requested Tax Notice of Assessment (as supplied direct from the ATO), my last six months’ worth of…
Balance transfer was easy
All the paperwork was done quite smoothly. However, the offer changed during the 18 months to 12 months, which was quite disappointing. But overall it’s a good card as rates are low compared to other cards. Customer contact is quite helpful when you have a problem. I’m quite…
Cheap and cheerful
I’ve had this card for a few years now. This is a great card with a low interest rate. The fees are also very reasonable.The mobile banking app is very user-friendly and easy to navigate. It’s rare that I actually have to phone customer service. However, when I do the CS team is…
Sixteen years of great service and offers
I have been a customer of St George for 16 years and can attest to great service and great offers. They’ve even contacted me to change my account so I got less fees. I have used this card for many years as well, with no issues, low fees and reliability.
Pros & cons
What's good
- 20 months at 0% p.a. on balance transfers, longer than the 12-month median (3% transfer fee, reverts to 21.99% p.a.).
- The 13.99% p.a. purchase rate is below the 18.99% p.a. market median.
- Earns cashback on eligible spending.
- No fee to add an additional cardholder.
Worth noting
- The $84 annual fee is high for a Standard card, where the typical fee is about $50.
- 3% foreign transaction fee on overseas spending.
- Earns no rewards points on spending.
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Standard
- Card type
- Visa
- Card use
- Personal
- Credit limit
- $500 – $80,000
- Credit rating
- Good
- Rewards program
- None
Eligibility
- Instant approval
- Yes (response in ~60 seconds)
- Joint application
- No
- Minimum age
- 18 years old
- Minimum income
- Not specified
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 21.99% p.a.
- Purchases
- 13.99% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- $84 p.a.
- Cash advance fee
- 3.5% of the amount
- Foreign transaction fee
- 3%
- Late payment fee
- $20
Repayments
- Interest-free period
- Up to 55 days on purchases
- Minimum repayment
- 2% of the closing balance or $10, whichever is greater
Balance transfers
- Can't transfer from
- Bank of Melbourne, BankSA, St.George
- Limit
- Up to your available credit limit
- Period
- 20 months
- Promotional rate
- 0% p.a.
- Revert rate
- 21.99% p.a.
- Transfer fee
- 3%
While you carry a transferred balance you may not receive interest-free days on new purchases.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
Compare side by side
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- St.George Vertigo CardvsAustralian Military Bank Low Rate Visa Credit Card
- St.George Vertigo CardvsAustralian Mutual Bank Credit Card
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- St.George Vertigo CardvsBank First Visa Classic Credit Card
- St.George Vertigo CardvsBank First Visa Platinum Credit Card
- St.George Vertigo CardvsBank of Melbourne Vertigo Card
- St.George Vertigo CardvsBank of Melbourne Vertigo Card - Cashback Offer
- St.George Vertigo CardvsBank of us Visa Credit Card
- St.George Vertigo CardvsBankSA Vertigo
Browse by card type
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Questions and answers
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Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- St.George