FEATURES SUMMARY

• Annual fee: $55
• Purchase rate: 11.99% p.a.
• Cash Advance rate: 20.74% p.a.
• Balance Transfer rate: 2.99% p.a.first 6 months (11.99% p.a.)
• Interest-free days: Up to 55

• Extras:
  • Apply online
  • Fraud Protection
  • Phone/internet banking
  • St George Instant Benefits

The St George Vertigo MasterCard is one of The Credit Card Guide’s most highly recommended credit cards as it takes out top 3 spots in five different categories, including 2nd place in the Editor’s Choice category – Overall.

Another card with a low 11.99% p.a.* on purchases, the St George Vertigo MasterCard is cracking the whip on some of the other big name banks. It does however have a cash advance rate of 20.74% p.a.*, but that can be avoided if it’s a real issue.

It comes with up to 55 days interest free* on purchases and a balance transfer rate of just 2.99%* p.a. for the first 6 months (after which it increases to 11.99% p.a.*). The annual fee of $55 is fairly average for this kind of card so is not really a deciding factor.

While this low interest credit card would be beneficial for pretty much everyone, it would be most beneficial for those in NSW and South Australia as there are more branches and ATM’s (including Bank SA’s which are owned by St George), so you’d be less likely to be stuck using another bank’s ATM.

This card also has a bucket load of rewards benefits available for cardholders thanks to the St George Instant Benefits program. Unlike other banks’ rewards programs, you don’t have to accumulate points in order to reap the benefits of using your card. Instead you are rewarded instantly with instant discounts and other benefits from a huge range of retail, lifestyle, entertainment and travel partners.

For a limited time, new St.George Vertigo MasterCard applications come with a low purchase rate of 2.99% p.a. on purchases for the first 6 months (from when the account is opened).After the 6 month promotional period is over, the purchase rate reverts back to the 11.99% p.a. variable rate. The current cash advance rate is 20.74% p.a. variable. The balance transfer rate remains at 2.99% p.a. for the first 6 months.

After the 6 month promotional period is over, the purchase rate reverts back to the 11.99% p.a. variable rate. The current cash advance rate is 20.74% p.a. variable

See all our top credit card picks in the Editor’s Choice category