St. George Vertigo Card - 0% p.a. for 14 Months on Purchases - $0 First-Year Annual Fee

Store Repfindercomau on 09/07/2019 - 09:19 finder.com.au (223 clicks)

Hi everyone!

Just sharing an exclusive deal for the St.George Vertigo credit card, which is offering 14 months interest-free on purchases, 0% p.a. for 6 months on balance transfers and $0 annual fee for the first year when you apply through Finder by 2 October 2019! Elsewhere on the market, this card only offers 0% p.a. on balance transfers for 16 months (no purchase rate offer or waived annual fee).

Please Note:

This offer is only available to eligible applicants who apply through Finder via https://www.finder.com.au/st-george-vertigo-visa-card-online…

This is an ideal offer for those with large purchases coming up who want to pay it off over time without interest. After the introductory purchase rate promotion is over, the interest rate reverts to 13.99% p.a. and gives up to 55 interest-free days. In the second and subsequent years, the annual fee is a competitive $55.

Features of this card

0% p.a. interest on purchases for 14 months. When you apply for a new Vertigo card through Finder by 2 October 2019, you’ll pay no interest on purchases for the first 14 months. After that, the interest rate reverts to 13.99% p.a.
$0 annual fee for the first year. You’ll save on standard credit card costs with a $0 annual fee for the first year and a fee of $55 p.a. thereafter.
0% p.a. interest for 6 months on balance transfers. If you have an existing card balance you want to consolidate, you can transfer from $200 up to 80% of your credit limit to the Vertigo and pay no interest for up to 6 months, with no balance transfer fee. After that, the 21.49% p.a. cash advance interest rate will apply to any remaining balance.
Free additional card. You can add one additional card to the primary account for someone at least 16 years of age at no extra cost.

Eligibility criteria

Must be over 18 years of age
Must be an Australian permanent resident
Balance transfer must be requested at the time of application and balances cannot be transferred from St.George, BankSA or Bank of Melbourne cards.

Financial Credit Card

2 Oct 2019

Related Stores

Finder

Third-Party

St.George Bank

closed Comments

kronicmacstigator on 09/07/2019 - 09:40

+3

st george are absolute scum! They actually told me that instead of spending my money on life saving medication I should be paying back a personal loan first…

The bastards also sold a loan of mine where I owed $5k on to a collections company for $800. Despite repeatedly telling them and showing evidence that if they waited another three months I'd be able to pay them back every single cent instantly… screwed my credit rating for years.

Don't go with these pricks!
- DeluxeBull on 09/07/2019 - 09:59
  
  -1
  
  Um this is not a valid reason to neg vote.
  - kronicmacstigator on 09/07/2019 - 10:07
    
    +3
    
    https://www.ozbargain.com.au/wiki/help:voting_guidelines
    
    Negative Vote
    Purpose:
    
    To let others know about issues with the deal, merchant or product.
    
    Appropriate uses of negative vote
    Major issue with retailer
- Samsungnote10 on 09/07/2019 - 11:23
  
  so you're having a go at a bank who you didnt pay and default on a loan, and sent it off to a debt collector
  
  you obviously made the right choice (no sarcasm) to choose your life over paying off a loan
  
  now you got to accept the consequences of your choices
  - kronicmacstigator on 09/07/2019 - 11:25
    
    +1
    
    They chose to default me… they were very well informed about my circumstances and what was happening. They knew damn well I would of come into alot of money very soon but they chose to take the idiotic route.
    
    The consequences was I was on a very limited income and kept them informed. They chose again to do the wrong thing so I'm happy to slam them. If they just waited three months they would of gotten their $5k and a bit more back.
    - Samsungnote10 on 09/07/2019 - 11:29
      
      which is what their policy/rules are,
      
      unfortuantely in this day and age, your word of "i will be coming into some money" means nothing,
      even if you did come into money, there could be another emergency why you couldnt pay it off that month
      
      im going to assume that its not the first time you've delayed/promised a repayment, and not gone ahead with it
      
      (not having a go at you)
      - kronicmacstigator on 09/07/2019 - 11:51
        
        @Samsungnote10: It wasn't my word at all… I had legal documents coming out of the wazoo I was faxing them off from a registered solicitor. Apparently that wasn't enough 'proof' for these pieces of s**t. We were talking six digits as well!
        
        The irony is I actually get credit rejection after credit rejection now. I pay my shit off way too quick! Plus I pay 'cash' for everything! I hunker and save and then hunt a bargain. Then repeat.
        
        Samsungnote10 on 09/07/2019 - 11:55
        
        @kronicmacstigator: Im not a credit card vs credit record expert, but I believe one default, and you'll probably wont get a credit card approved until it drops off in 5 or 7 years
        
        kronicmacstigator on 09/07/2019 - 11:57
        
        @Samsungnote10: Was ages ago but I don't use credit that much now. I have a $500 credit card which is just in case I see something I need NOW (I'm talking a bargain) which then gets knocked out in under two weeks so… banks don't like me
        
        Samsungnote10 on 09/07/2019 - 11:58
        
        @kronicmacstigator: the default stays on your record for 5 or 7 years,
        i dont think time elapsed helps for credit applications,
        
        kronicmacstigator on 09/07/2019 - 11:59
        
        @Samsungnote10: Actually time elapsed does help… if you aren't constantly applying for credit you are viewed as less of a risk.
        
        Samsungnote10 on 09/07/2019 - 12:00
        
        @kronicmacstigator: as in, if you have a default, and they reject you for having a default, I dont think having one 3 yrs ago vs 6months makes a differnece
        
        kronicmacstigator on 09/07/2019 - 12:00
        
        @Samsungnote10: Well it's not on my record now anyway. Still would never trust the scumbags
SAU on 09/07/2019 - 10:16

Good deal. Currently with them already so cannot take it again. Using them to pay off my loan interest free =)
Be smart about your finances and don't spend more than you can afford. Works for me
BlueGlass on 09/07/2019 - 13:41

This looks like a good deal, however;

Mixing balance transfer and 0% purchase card features is a complex process that can be hard to resolve.

I hope there wouldn't be too many people willing to utilise the two features.

Would be better to balance transfer a large figure onto a rewards card to put that card positive and whittle down the balance over time, rather than go straight into a rolling debt ball.

This was posted 5 years 4 months 14 days ago, and might be an out-dated deal.