St.George Vertigo Platinum Credit Card Exclusive Offer

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Card features
balance transfer
purchase rate
annual fee
Money saved
St.George Vertigo Platinum Credit Card Exclusive Offer
Apply by 30 jun 18
0% p.a. for 24 months on balance transfers. (1% balance transfer fee applies). Reverts to variable cash advance rate.
Low ongoing variable purchase interest rate of 12.74% p.a.
$0 p.a. annual fee for the first year.
Add to comparison
24 months
0% p.a.
then 19.49%
with a 1% fee
12.74% p.a.
1st year
then $99

Pros & cons

What's good?

What's not so good?

0% p.a. for 24 months on balance transfers. (1% balance transfer fee applies). Reverts to variable cash advance rate.
Low ongoing variable purchase interest rate of 12.74% p.a.
$0 p.a. annual fee for the first year.
Complimentary insurance for overseas travel for 6 months.
Price Protection insurance and Purchase Protection insurance.
Extended warranty on purchases.
Visa Platinum Concierge Service.
The cash advance rate of 19.49% p.a. is much higher than the low rate on purchases which could hurt if you used the card for cash advances.

Our review

Our review of the St.George Vertigo Platinum Credit Card Exclusive OfferReviewed by Yvonne Taylor

Here’s one out of the box that will be difficult for competitors to match. The St. George Vertigo Platinum Credit Card Exclusive Offer brings together an unlikely set of features that you will struggle to find anywhere else. But it could be just what you were looking for.

Would you like platinum benefits, including the full suite of complimentary insurance policies, without which no premium card is complete? But you still want one of the lowest ongoing purchase interest rates around? No problem.

You don’t want to pay for the rewards points which often encumber platinum cards? Don’t worry, because there are no rewards points.

And, saving the best till last, you can have all this plus a long balance transfer offer, all free to try out for the first year.

0% p.a. balance transfer offer for 24 months

This is a truly useful opportunity for anyone who needs either long-term debt consolidation or a way to extend the payment period on a recent major credit card purchase which has put a serious strain on their budget. It’s way better than a short-term personal loan, even though there’s a 1% up-front fee to pay, and the generous two-year period before the 19.49% p.a. revert rate kicks in should give you plenty of time to get your finances sorted.

Anyone currently paying 20% p.a. on a credit card debt of $5,000 would save a net $1,868 during the two-year run of the introductory offer.

Low ongoing purchase interest rate

If you are temporarily struggling to make ends meet, you may also be very interested in the low ongoing purchase interest rate of 12.74% p.a. However, with a balance transfer in place, you’d forfeit the normal interest-free days of up to 55 days each statement period. Even at this low interest rate (for a credit card), you would probably want to avoid using the card for purchases until after the balance transfer was paid off.

But if you do take up the balance transfer offer, the low purchases interest rate will be a boon if you need it in the future.

Platinum benefits for a $99 p.a. annual fee, free first year

Since this exclusive offer’s major appeal is probably the zero-interest balance transfer, the platinum benefits may appear superfluous. This applies especially if you have an unpaid balance transfer, since you would need to use the card for purchases in order to take advantage of the complimentary insurance (and pay 12.74% p.a. interest from the transaction date). However, even if you can’t use the platinum benefits immediately, they will be waiting for you once the balance transfer has been paid off.

The platinum benefits are:

  • Overseas travel insurance: For trips up to six months long, unlimited emergency medical expenses, luggage cover, travel delay and unavoidable cancellation, rental vehicle excess waiver and more, in return for using the card to pay at least $500 of the trip’s prepaid expenses.
  • Interstate flight inconvenience: For trips up to 14 days, similar cover to overseas travel insurance (minus the medical expenses cover) where airfares were paid using the card.
  • Rental vehicle excess waiver in Australia even when not travelling away from home.
  • Transit accident insurance providing compensation for transport accidents.
  • Purchase security: 120 days of cover against loss, theft and accidental damage for personal items bought with the card.
  • Extended warranty: Up to 12 months extra cover.
  • Price guarantee: A refund of the price difference if you see a recently-purchased item advertised at a much lower price nearby.
  • 24/7 global concierge service: Assistance with recommendations and bookings for travel, entertainment and dining.

For a $99 p.a. annual fee ($0 p.a. in the first year) this is a remarkable set of benefits.

Similar balance transfer offers

Many credit cards offer introductory terms on balance transfers. The offers vary in length, in the presence or absence of an upfront fee and the fee percentage, and in the revert interest rate percentage. If the balance transfer feature of this card is the one you find most attractive, spend some time comparing it with other offers listed on our ‘Balance transfer’ page.

An attractive card for anyone seeking a long-term balance transfer

This St George Vertigo Platinum Card Exclusive Offer could become the go-to solution for anyone needing an extended period of financial latitude. It’s certainly a very practical debt consolidation option for anyone with unpaid balances on multiple cards, and the first year annual fee waiver makes it a truly low-cost option.

Even though you will probably be unable to use the platinum benefits for a while if you do take up the balance transfer offer, it will be reassuring to know that they are available if and when you need them.

The basics

About this card

Card setup
Card tier
Card type
Card use
Credit rating
Gambling transactions allowed
Joint application
Minimum age
18 years old
Minimum income
Minimum income for pensioners
Same as standard
Rewards program
Temporary residents


Additional cardholders
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
Maximum credit limit


Interest charged from
Purchase date
Interest free period
Up to 55 days on purchases
Minimum repayment

Balance transfers

The offer

Interest ratePeriodFeeLimitRevert rate
Balance transfers0% p.a.24 months1%80% of credit limit19.49% p.a.

Balance transfers to this card

Balance transfer earns rewards
Balance transfer fee payment due
First statement
Balance transfer from personal loan
Balance transfer processing time
10 - 14 days
Interest free days with unpaid balance
0 days
Maximum balance transfer
80% of credit limit
Available to existing customers

Banks you can't balance transfer from

You can't balance transfer to the St.George Vertigo Platinum Credit Card Exclusive Offer at the promotional balance transfer rate from:

  • Bank of Melbourne
  • Bank SA
  • St.George

Rates & fees

Promotional interest rates

Interest ratePeriodFeeLimitRevert rate
Balance transfers0% p.a.24 months1%80% of credit limit 19.49% p.a.
PurchasesN/AN/AN/AN/A N/A

Ongoing interest rates

Cash advances 1.62% 19.49% p.a.
Purchases 1.06% 12.74% p.a.


Annual fee
$0 p.a.
Annual fee 2nd year
$99 p.a.
Cash advance fee
Dishonour fee
Duplicate statement fee
Foreign exchange fee
Late payment fee
Over limit fee
Overseas ATM balance fee
Overseas ATM withdrawal fee
Overseas emergency card replacement fee
Transaction verification fee

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Earn a regular income of more than $15,000 per year
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Joint applications are allowed
Temporary residents are eligible
Age Pension, Overseas Pension and Widower's Pension are acceptable.
Family Tax Benefits and Parenting Payments is acceptable.
Disclaimer: The minimum criteria pointers are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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