St.George Vertigo card review

The St.George Vertigo Card offers one of the lowest regular purchase rates on the market (13.99 percent p.a.) and cardholders will have a leisurely 55-day interest-free period to make any repayments, but make sure you make those repayments on time, since there is a $15 late payment charge. The card's annual fee is also reasonably modest at $55, and St.George will waive it for new clients for the first year. The Vertigo credit card, being a Visa card, may be used everywhere Visa is accepted; however, if you want to pay with it overseas, keep in mind the 3.00 percent foreign exchange margin.

Key features:

The St.George Vertigo Card offers one of the lowest regular purchase rates on the market (13.99 percent p.a.) and cardholders will have a leisurely 55-day interest-free period to make any repayments, but make sure you make those repayments on time, since there is a $15 late payment charge. The card's annual fee is also reasonably modest at $55, and St.George will waive it for new clients for the first year. The Vertigo credit card, being a Visa card, may be used everywhere Visa is accepted; however, if you want to pay with it overseas, keep in mind the 3.00 percent foreign exchange margin. Speaking of paying, cardholders will also be able to pay with their Vertigo card via a Smartphone, as Apple Pay, Google Pay and Samsung Pay are all available. Now on to the Vertigo card's limited-time offers. New cardholders who successfully apply by 24 February, 2022, will be able to choose between either the 0% balance transfer offer or the 0% purchase rate offer. The 0% p.a balance transfer rate is available for 32 months and comes with no balance transfer fee, which could be a helpful option for anyone looking to pay off any of their existing credit card debt.

Just keep in mind that any outstanding balance transfer amount will be charged at the cash advance rate after the 32-month term expires, so make sure to pay it off ahead of time. Alternatively, with the 0% purchase rate offer, new cards may avoid paying interest for the first 18 months. When that time period expires, the intro purchase pricing will revert to the usual purchase rate.

 

Fees details –

ANNUAL CARD FEE	$55.00
INTRODUCTORY ANNUAL FEE	$0 in the first year
ANNUAL FEE SPEND THRESHOLD	none
REWARD PROGRAM FEE	none
LATE PAYMENT FEE	$15.00
CASH ADVANCE FEE	3%
FOREIGN EXCHANGE MARGIN	3.00%
DUPLICATE STATEMENT FEE	$0.00
TRANSACTION VERIFICATION FEE	$10.50
ADDITIONAL CARD FEE	$0.00

Advantages –

• 0% p.a. on purchases for 18 months
• $0 annual fee for the first year
• Additional cardholder at no extra cost

Disadvantages-

• No introductory balance transfer offer
• No rewards program
• Does not offer travel perks or insurance covers