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St.George Vertigo MasterCard

 
 
Product Image


Purchase Rate 13.24%
Cash Advance Rate 21.49%
55 days
Interest Free
$55
Annual Fee
  • Balance Transfer Rate 2.99%for first 6 months

    • The low rate credit card for those who love to shop
    • Additional credit card for a friend or family member at no extra cost
    • Shop online with confidence knowing your Internet purchases and payments are safe and secure

    Card Details

    Rewards Program N Overseas ATM Availability Y
    Insurance Cover for Purchases N Interest Paid on Credit Balance N
    Automatic Travel Insurance N    


     
     
    Rewards Points per Dollar
    Spend to Redeem $100 Gift Card*
    Spend at Loyalty Partner for $100 Gift Card*
    Linked to Frequent Flyer N
    Frequent Flyer Ratio
    SPEND FOR SYD/MEL RETURN*


    Lifetime of Points
    Rewards Program Partners
    Rewards Bonus Points Partners
    Domestic Airlines
    International Airlines
    Conditions
    Annual Fee $55 Minimum Repayment 2%
    Annual Fee First Year $55 Interest Charged From PurchaseDate
    Rewards Joining Fee 0 Late Payment Fee $9
    Supplementary Card Fee $0    
    Duplicate Statement Fee $7.5 Overseas ATM Balance Fee $0
    Transaction Verification Fee $10.5 Overseas ATM Withdrawl Fee
    Over Limit Fee $9 Overseas Emergency Card Replacement Fee $52.5
     

    FEATURED CARDS

    Westpac Low Rate Product Image 13.49%
    per annum
    ME Bank MasterCard Product Image 12.25%
    per annum
    Bankwest Lite Gold M.. Product Image 10.75%
    per annum
    Product Image Conditions Apply
    St.George Platinum
    • The ultimate low interest credit card for ...
    • Great value and premium benefits; Access ...
    Product Image Conditions Apply
    Hilton Macquarie Platinum Card
    • Hilton Benefits.
    • 20% Savings on every hotel visit.


    * For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

    American Express® is a registered trademark of American Express Company.
    Visa® is a registered trademark of Visa International Services Association.
    The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

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    Our Take On This Card
    Pros
    • 2.99% balance transfers for 6 months
    • Low ongoing purchase rate
    • Exclusive discounts and savings through St George Instant Benefits
    Cons
    • Does not offer large savings if you expect to get cash advances
    • $55 annual fee
    • Rewards program is not for point chasers
    Summary

    The St George Vertigo MasterCard offers a low ongoing purchase rate and 2.99% balance transfers for 6 months. This card will work well for the disciplined spender who wants to consolidate their debt. Balance transfers should be paid off within the 6 month period, to avoid the outstanding balance reverting to the high purchase rate.