
How to Spot Fine Print That Negates Frequent Flyer Credit Card Offers
Ever wondered why that 100,000-point sign-up bonus didn’t feel as rewarding as it promised? Here’s
The St.George Vertigo is a low rate card suited to people looking for just the basics when it comes to a credit card. It offers $300 cashback on your new credit card when you apply by 30 November 2021 and spend at least $4,000 on eligible purchases in the first 120 days from approval. It also has a $0 annual fee in the first year (going up to $55 p.a. after that).
This card also has a 13.99% p.a. interest rate for new purchases and offers up to 55 days interest-free. And unlike a lot of other cards on the market, you’ll still get interest-free days on new purchases while you have a balance transfer.
| Type | Visa |
| Minimum Limit | $500 |
| Maximum Limit | $80,000 |
| Rewards Program | None |
| Bonus Points | 0 |
| Rewards Points Per $ Spent | |
| Rewards Points Cap |
| Additional Cardholder Fee | |
| Number of Additional Cardholders |
| Minimum Age | 18 |
| Available To Temporary Residents | Yes |
| Minimum Annual Salary | |
| Joint Application | Yes |
| Really great value | |
| Something else |
| Not so great value | |
| Something else |
| Initial Balance Transfer Rate | 6.99% p.a. |
| Balance Transfer Fee | 0% |
| Initial Period | 12 months |
| Balance Revert Rate | reverts to 21.49% p.a. |
| Annual Fee (Year 1) | $0 |
| Annual Fee (Ongoing) | $55 p.a. |
| Overseas Cash Advance Fee | 2% of the value of the transaction or minimum charge of $2.50. |
| Overseas ATM Withdrawal Fee | $ |
| Initial Purchase Rate | 0% |
| Initial Period | 55 days |
| Purchase Revert Rate | 13.99% |
| Cash Advance Rate | 21.49% p.a. |
| Cash Advance Fee | 2% or $2.50, whichever is greater. |
| Minimum Monthly Repayment | 2% of the closing balance or $10, whichever is greater. |
| Late Payment Fee | $15 |
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Firstly, ask yourself why you need a credit card. Do you want to earn airmiles, transfer an existing balance to a lower (or 0%) interest rate? Once you are clear on the purpose, use our credit card comparison tool to find the one that meets your requirements.
It depends on what you want it for. What is good for the goose may not be good for the gander, as they say ion times gone by.
Our credit card comparisons tables will help you work out which card is better for you.
The Annual Percentage Rate (APR) is the cost you pay each year to borrow money, including fees, expressed as a percentage.
Once you have found the card you think has most suited your individual requirements, click the “Apply now” button.
You will be transferred to the end providers application page where you will need to fill in an online application form. Your application will be assessed and then accepted or rejected.
We hope so! Our individual credit card overviews will give you an idea of application success. Some cards require a minimum annual salary for example.
If you are a temporary resident, you will need to check our credit card guides to make sure you are legible for the card you have chosen.
Your application could be rejected for a number of reasons. The most likely however, is your personal credit score.
If you are someone that has debt, or has not paid off debt regularly with a previous credit card provider, your application can be rejected.
It may also be that the credit card you are applying for requires you to earn a minimum annual salary that is over what you currently earn.
There are plenty of options available to you on this website. Have a further look through, and try again.

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