Credit Card Review & Application
St. George Vertigo MasterCard®
- 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 of your statement in full by the due date
- Low annual fee - currently just $55
- Special 0.99% p.a. balance transfer rate for up to 12 months
| Intro APR: | 0.99%* |
| Intro Period: | 12 months on BT |
| APR: | 13.24% (variable) * |
| Annual Fee: | $55.00* |
| Issuer: | St. George Bank |
| Card Network: | MasterCard® |
| Card Category: | Consumer (Regular) |
| Card Type: | - Low Interest Credit Card |
| Credit Needed: | Good* |
St. George (Vertigo MasterCard) is a low cost credit card that charges highly competitive rates on purchases and balance transfers. The credit card has won numerous awards including the Money Magazine 2009 awards as Australia's Cheapest Balance Transfer Credit Card.
If you already have an Australian credit card charging you higher rates, the balance transfer feature may be a way out. Balance transfers conducted just as you open your account automatically qualify into a long term low interest period. During this period no interest rates will be charged on balance transfers alone. In the mean time, purchase transactions will incur minimum interest rates disclosed in the card envelope. First time customers who pay in full by the due date are ushered into a 55 day interest free period.
Cash advances do not qualify for interest free days. Interest rates on cash advance transactions are not as low as that charged on purchases and balance transfers but it is quite competitive. MasterCard is widely accepted at over 26 million locations worldwide. This includes ATMs accepting MasterCard withdrawals so cash should remain easily accessible whether you're home or away on travel.
The Emergency Card Replacement feature helps you receive another card once yours is reported as lost, stolen or damaged. This feature gets you another card in little or no time ensuring you don't lose sleep especially if you're someone who gets to rely on the card for most payments.
On this card you should be able to access your account to view limited transactions using a mobile phone. This process has been modified for maximum security. Internet Banking Services comes at a time when most people are connected to the internet giving you 24hrs unrestricted access to your card account. You may view past transactions in online statements or just make use of other features made available for your convenience.
St. George Vertigo Master Card charges an annual fee. Cardholders receive an additional complimentary card for family and friends to share the same benefits with you. Cardholders are also going to receive discounts and other extra benefits once they charge their purchases to this card at participating merchant outlets.
| Other Benefits: | - 24/7 phone and online banking services - Additional cardholders are free - Free access to rebates and rewards - Emergencies card replacement |
| Comments: | Disclaimer *Interest rates quoted current as at 20/04/2009 and subject to change. 55 days interest free on purchases only on accounts paid in full by the due date. Interest free period does not apply to cash advances (cash advances are 19.99%p.a on Vertigo MasterCard), or any purchases while an amount that has been debited as a result of a balance transfer remains unpaid. All applications for credit are subject to the Bank's prevailing credit criteria. Fees, charges, terms and conditions apply and full details are available upon request. ** If your application for credit is approved, the special balance transfer rate period commences on the date the account is opened. The special Balance Transfer interest rate period ends 6 months later, regardless of when any balance transfer request is processed by us. On the date the special balance transfer rate period ends the interest rate on the outstanding transferred balances reverts to the standard variable rate applying to purchases. Any interest free period for purchases does not apply while an amount that has been debited as a result of a balance transfer remains unpaid. Balance Transfers will not be accepted from personal loan, overdraft, business or St.George Group or international credit card accounts. St.George Bank Limited ABN 92 055 513 070 AFS License No. 240997. ***Awarded Australia’s Cheapest Balance Transfer Credit Card by Money Magazine 2009 |
| Online Account Access: | Yes |
| Introductory APR: | 0.99%* |
| Applied Towards: | Balance Transfer |
| Introductory Period: | 12 months on BT* |
| APR on Purchases: | 13.24% (variable)* |
| Annual Fee: | $55.00* |
| Grace Period: | 55 days* |
| Min Credit Line: | $500 |
| Late Payment Fee: | $35.00* |
| Balance Transfer: | Yes |
| APR Cash Advances: | 21.49% |
| Cash Advance Fee: | 2.00% |
| Minimum Fee: | $10.00 |
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† Details of the St. George Vertigo MasterCard are subject to change without prior notice. We do not guarantee the accuracy of information provided after the last update (Jan 20, 2012) hence, we strongly advise visitors to check terms and conditions prior to completing the application process.
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