If you’re lucky enough to find an attractive credit card with low interest rates, the next thing you might look at is the annual fee. Some cards have high annual fees because you’re paying for admission into a rewards programme. But what if you don’t want to earn rewards? What if you want a basic card that saves you more money now rather than potentially paying off later?

That’s where no-frills credit cards like the St. George Vertigo MasterCard really shine. You get low interest rates and low annual fees, saving you money every time you use it. If you’re looking to save money on existing credit card balances, the St. George Vertigo MasterCard can work for you too! The bank offers a special low balance transfer rate for your first six months.

Learn more about the St. George Vertigo MasterCard below and discover how simplicity can save you money when it comes to choosing a credit card.

Type of Credit Card: Balance transfer card / Low interest credit card

Interest Rates*: The St. George Vertigo MasterCard features a low 10.99%APR on purchases, and a special introductory rate on balance transfers of 2.99% for up to six months. In fact, it was named “Australia’s Cheapest Balance Transfer Credit Card” by Money Magazine for 2009.

The cash advance interest rate for the card is 19.99%. If low interest isn’t enough, consider taking advantage of the up to 55 interest free days on purchases to avoid paying interest altogether.

Annual Fee*: In addition to a low interest rate, you’ll also get a low annual fee for this credit card — just $55 per year.

Rewards / Extras*: This credit card is not a rewards card. You could consider that a perk on its own though, since a low frills-card entitles you to low rates and fees. However, if your application for a St. George Vertigo MasterCard is approved, you’ll be entitled to an additional card for an authorised user at no extra cost (many other credit cards charge an annual fee per card). You can also take advantage of instant discounts and other extras through St. George.

Additional Details*: If you plan to take advantage of the St. George Vertigo MasterCard’s interest free days on purchases, you should know that they don’t apply if you transfer a balance to that credit card (until that balance transfer is paid off in full). Interest free periods also do not apply to cash advances.

Apply now!

* Interest rates, annual fees, and other credit card details were taken from the most accurate data available at the time of writing. All rates are subject to change from the issuing bank, and their inclusion here in no way serves as a guarantee of rates. Please review rates and terms with the card issuer at the time of application.