The Westpac Low Rate Credit Card has been one of the most popular credit cards on Finty thanks to its competitive balance transfer offer and ongoing low rate on purchases.
But how does it compare with the St.George Vertigo Visa? Which has the better balance transfer offer and cheaper fees? Find out with this useful side-by-side comparison of rates, fees, and eligibility criteria.
 |  |
|---|---|
| Basics | |
| Description | |
| N/A | N/A |
| Additional Cardholders | |
| 1 | 1 |
| Apple Pay Enabled | |
| Yes | Yes |
| Card Type | |
| Mastercard | Visa |
| Google Pay Enabled | |
| Yes | No |
| Minimum Credit Limit | |
| $500.00 | $500.00 |
| Maximum Credit Limit | |
| $25,000.00 | $40,000.00 |
| Joint Application Accepted | |
| No | Yes |
| Balance transfers | |
| Balance Transfer Rate | |
| 0% | 0% |
| Balance Transfer Period | |
| 28 months | 24 months |
| Balance Transfer Fee Percentage | |
| 1% | 1% |
| Balance Transfer Revert Rate | |
| 21.49% | 21.99% |
| Rates | |
| Cash Advance Rate | |
| 21.49% p.a. | 21.99% p.a. |
| Cash Advance Fee | |
| $2.00 | $2.00 |
| Purchase Rate Introductory Offer | |
| N/A | N/A |
| Purchase Rate Introductory Period | |
| N/A | N/A |
| Purchase Rate Ongoing | |
| 13.74% p.a. | 13.99% p.a. |
| Fees | |
| Annual Fee Initial Year | |
| $0.00 | N/A |
| Annual Fee Ongoing | |
| $59.00 | $55.00 |
| Dishonour Fee | |
| N/A | $9.00 |
| Duplicate Statement Fee | |
| N/A | $2.00 |
| Foreign Exchange Fee | |
| $3.00 | $3.00 |
| Late Payment Fee | |
| $15.00 | $15.00 |
| Over Credit Limit Fee | |
| $0.00 | N/A |
| Overseas ATM Balance Fee | |
| $0.00 | $0.00 |
| Overseas ATM Withdrawal Fee | |
| $2.50 | $5.00 |
| Eligibility | |
| Minimum Age | |
| 18 years | 18 years |
| Minimum Credit Rating | |
| Below Average, Fair, Good, Very Good, Excellent | Below Average, Fair, Good, Very Good, Excellent |
| Minimum Income | |
| $15,000.00 | $15,000.00 |
| Temporary Residents Accepted | |
| Yes | Yes |
