Westpac Low Rate vs St.George Vertigo Visa

By   |   Verified by David Boyd   |   Updated 16th January 2022

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.

Westpac Low Rate Credit Card

On Westpac's website

St.George Vertigo Visa

On St.George's website

Basics
Description
N/AN/A
Additional Cardholders
11
Apple Pay Enabled
YesYes
Card Type
MastercardVisa
Google Pay Enabled
YesNo
Minimum Credit Limit
$500.00$500.00
Maximum Credit Limit
$25,000.00$40,000.00
Joint Application Accepted
NoYes
Balance transfers
Balance Transfer Rate
0%0%
Balance Transfer Period
28 months32 months
Balance Transfer Fee Percentage
1%0%
Balance Transfer Revert Rate
21.49%21.49%
Rates
Cash Advance Rate
21.49% p.a.21.49% p.a.
Cash Advance Fee
$2.00$2.00
Purchase Rate Introductory Offer
N/AN/A
Purchase Rate Introductory Period
N/AN/A
Purchase Rate Ongoing
13.74% p.a.13.99% p.a.
Fees
Annual Fee Initial Year
$0.00$0.00
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
$0.00N/A
Overseas ATM Balance Fee
$0.00$0.00
Overseas ATM Withdrawal Fee
$2.50$5.00
Eligibility
Minimum Age
18 years18 years
Minimum Credit Rating
Below Average, Fair, Good, Very Good, ExcellentBelow Average, Fair, Good, Very Good, Excellent
Minimum Income
$15,000.00$15,000.00
Temporary Residents Accepted
YesYes