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Banking / Credit Cards / St.George Vertigo MasterCard

St.George Vertigo MasterCard

 
 
Purchase Rate 13.24%
Apply for this card today
Cash Advance Rate 21.49%p.a
55 days
Interest Free
$55
Annual Fee
  • Balance Transfer Rate 0%for first 14 months

    • Special offer - 0% p.a. for up to 14 months on balance transfers requested at card application. Apply between 1 April 2014 - 20 June 2014. New cards only, conditions apply.
    • Low variable purchase rate - just 13.24% p.a. (21.49% p.a. variable rate on cash advances).
    • Up to 55 days interest free on purchases when you pay the closing balance for your statement in full by the due date.
    • An additional cardholder at no extra cost.
    Visit website for more features

    Card Details

    Rewards Program N Overseas ATM Availability Y
    Insurance Cover for Purchases 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 Greater of 2% or $10
    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
     


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    Details Product Image
    Terms & Conditions
    The 0% p.a. balance transfer rate for the specified promotion period is available to you when you apply for a new St.George Vertigo MasterCard between 1 April 2014 – 20 June 2014 and request at application to transfer a balance from Australian issued credit or store cards other than St.George, BankSA and Bank of Melbourne credit cards. The standard variable purchase rate applies to balance transfers requested after application and to any amount to which the promotional rate applied that is unpaid at the end of the promotion period. . Payments made to your credit card account will be applied as set out in the Credit Card Conditions of Use. You can apply to transfer $200 or more, up to 95% of your new St.George credit card available limit.

    * 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.

    Other Cards from St.George
    Our Take On This Card
    Pros
    • 0% balance transfers for 14 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
    • Rewards program is not for point chasers
    Summary

    The St George Vertigo MasterCard offers a low ongoing purchase rate and 0% balance transfers for 14 months. This card will work well for the disciplined spender who wants to consolidate their debt. Balance transfers should be paid off within the 14 month period, to avoid the outstanding balance reverting to the high purchase rate.