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Terms and conditions apply

Balance transfer rate for 12 months with no balance transfer fee: 6.99% p.a.
Purchase rate: 13.99% p.a.
Annual fee: $55 p.a.
Interest-free on purchases: Up to 55 days

Our verdict

This low rate credit card currently offers up to $500 cashback on your shopping at eligible supermarkets and petrol stations, with a $55 annual fee.

The St.George Vertigo Credit Card currently gives you a way to get more value from your spending, with a competitive 10% cashback (up to $500) offer when you shop at eligible petrol stations and supermarkets – including Coles, Woolworths and Aldi – in the first 180 days. This means you'd need to spend at least $4,000 at supermarkets and petrol stations in the first 180 days you have this card to get the full cashback amount on offer.

The St.George Vertigo Card also has a 13.99% p.a. interest rate for purchases, which is on par with other low rate cards. This rate is also 6.58 percentage points lower than the average standard credit card interest rate (currently 20.57% p.a. according to the RBA). While it doesn’t offer a lot of complimentary extras, it’s worth considering if you’re looking to keep credit card costs down.

Pros

Up to $500 cashback offer
A low ongoing annual fee
Shopping cashbacks through ShopBack
Competitive purchase interest rate of 13.99% p.a.
Additional cardholder at no extra cost

Cons

Cashback offer could make it tempting to spend more than usual
No rewards program
Does not offer travel perks or insurance covers

The St.George Vertigo is a low rate card suited to people looking for just the basics when it comes to a credit card. This introductory offer gives you a way to get 10% cashback (up to $500) when you apply by 30 April 2025, are approved and spend at an eligible supermarket or petrol station using your new credit card.

Details

Product details

Product Name	St.George Vertigo Card - Cashback Offer
Balance transfer rate p.a.	6.99% for 12 months, then 21.99%
Balance transfer limit	80% of available limit
Purchase rate p.a.	Purchase rate p.a. 13.99%
Interest-free period	Up to 55 days on purchases
Cash advance rate p.a.	21.99%
Min credit limit	$500
Max credit limit	$80,000
Card type	Visa

Eligibility

Available to temporary residents	Yes - Conditions apply
Joint application	Yes - Conditions apply

Rewards

Bonus points

N/A

Fees

Annual fee	Annual fee $55
Minimum monthly repayment	2% of the closing balance or $10, whichever is greater
Late payment fee	$15
Foreign currency conversion fee	Foreign currency conversion fee 3%
Cash advance fee	3%
Overseas cash advance fee	3% of each cash advance amount
Additional cardholder fee	$0

How to apply

You can apply for the St.George Vertigo Card online in around 20 minutes. St.George has a short screening quiz before you apply, so make sure you meet the eligibility requirements and have the necessary details to complete the application.

Eligibility criteria

New cardholder. The cashback offer is only available when you apply for the St.George Vertigo card as a new cardholder. You cannot have held a St.George, Bank of Melbourne or BankSA credit card in the last 12 months.
Income. You must have a regular, Australian income that can be verified. You also need to confirm that you've earned regular income in the last 3 months and have at least $100 left each month after paying all your expenses.

Residency. Australian citizens, permanent residents and non-residents are able to apply. If you're a non-resident or migrant you must hold an acceptable Visa with at least 1 year remaining.
Credit history. You must be able to confirm that you've paid all your bills and loans on time over the past 12 months.
Age. You must be at least 18 years old to apply.
Eligible balance transfer. If you're interested in the balance transfer offer, it is important to note that any balance transfer debt needs to be from a card (or cards) that are not issued by St.George, Bank of Melbourne, or BankSA. You are allowed to transfer from $200 up to 80% of your credit limit.

Required documents

Personal details. This may include your full name, residential address, contact information and proof of your identity such as your Australian driver's licence, Medicare card, passport, Australian birth certificate or NSW photo card.
Employment. This includes your role, the length of your employment and your employer's name and contact details.
Finances. You'll be asked to confirm your annual income, plus details of your savings, investment and assets.
Balance transfer details. To take advantage of the introductory balance transfer offer on this card, you will need to include your balance transfer request when you apply. This includes the amount of debt you want to transfer and the details for your existing account, including the account name, number and the provider's BSB.

Go to St.George's site More info

Card benefits

Up to $500 cashback on supermarket and petrol spending. Apply for a new St.George Vertigo credit card by 30 April 2025 and you'll get 10% cashback as a statement credit when you shop at eligible supermarkets and petrol stations in the first 180 days (up to a maximum total of $500 back). The eligible supermarkets include Coles, Woolworths, Aldi, IGA and Harris Farm Markets. Supermarkets that are not eligible include Coles Express, Costco and Metropolitan Express. The cashback will be added to your account as a statement credit within 30 days of each eligible spend.
Shopping cashbacks. Eligible St.George credit card holders can get cashbacks when they shop with their card on the online rewards platform ShopBack.

Competitive purchase rate. The variable interest rate on purchases is 13.99% p.a.
Balance transfer offer. If you're looking to consolidate your debt, you can take advantage of a 6.99% p.a. interest for the first 12 months when you apply by 30 April 2025 and request a balance transfer during the application. At the end of the introductory period, the interest rate reverts to the variable cash advance rate of 21.99% p.a.
Free additional card. Request a secondary St.George Vertigo Classic card for a family member without paying any additional fees.
Mobile payments. Use your phone or other compatible Apple, Android or Samsung devices to make tap and go payments. Simply add this card to your Apple Pay, Google Pay or Samsung Pay wallet.

Rates & fees

Annual fee. This card attracts an annual fee of $55 p.a.
Cash advance rate. If you withdraw cash from an ATM, make a cash-equivalent transaction or have debt remaining at the end of the balance transfer period, you will be charged interest at 21.99% p.a.

Currency conversion fee. If you use the card overseas or with an international online retailer, you will be charged 3%of the Australian dollar value per transaction.
Interest-free period. This card offers you up to 55 days interest-free on new purchases when you pay your monthly payment balance listed on your statement in full by the payment due date.

Go to St.George's site More info

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Amy Finder

Editor

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Peter

December 04, 2024

Hi,

As you are suggesting this as card suitable for a person who is retired. My situation is that I am looking at getting a credit card for myself as I am retired , aged 64 , so if anything happens to my husband, I have own personal card attached to my bank account for ongoing use. I has no separate income and as such dependant on partners income until I begin to draw a pension from my Super. My husband works full time,is 65 years old and intends retiring at 67. We own our home, have no other debts, bank with Westpac with a joint Choice savings accounts and have a shared Mastercard in my husbands name, that we pay off each month by direct debit. My concern is that I am unable to provide any income details and that it is not possible to discuss credit application details when you ring them as they require you to go online. If they reject my application it may affect my credit rating? The St George card appears to be a good option but I want to make sure I provide the right information to get the card.

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Richard Whitten Finder

December 10, 2024

Hello Peter,

We can’t guarantee any particular credit card is suitable for an individual as eligibility depends on so many factors. One requirement for this card is having at least 3 months of regular, taxable Australian income.

If you don’t meet this standard perhaps your husband could apply for the card and you could be listed as an additional cardholder. You can add a second cardholder for free.

I appreciate that getting a credit card can be a frustrating experience as you often have to apply before finding out if you’re eligible or not. A rejected card application will lower your credit score for a couple of months. It won’t cause any long term issues.

I hope this helps.

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Mina

August 08, 2023

Hi, which petrol stations listed for Vertigo card? And is it only limited to Coles, Woolies Aldi or any shop?

Amy Bradney-George Finder

August 11, 2023

Hi Mina,

Most major petrol stations and supermarkets are eligible as it is based on the merchant classification.

Here are details from St.George’s terms and conditions for this offer:

“Participating supermarkets and petrol outlets: Each supermarket’s and petrol outlets eligibility is based on its merchant classification. While most major and many independent supermarkets and petrol outlets are participating, those not classified in the Supermarket, Grocers and Service Station merchant categories will not be participating. Examples of supermarkets not participating include: Coles Express, Costco, Metropolitan Fresh and wholesaler supermarkets.”

If you have further questions, you can contact St.George on 13 33 30. I hope this helps.

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Albert

August 02, 2023

Does the cashback only apply in the first 6 months of owning the card? once it expires is there a permanent cash-back offer? If not are there any credit cards in Australia that have a cash-back offer, low interest rate and a sign-on incentive bonus?

Amy Bradney-George Finder

August 04, 2023

Hi Albert,

The cashback is a one-time, introductory offer on this card so there is no ongoing cashback. Only a few credit cards offer cashback on an ongoing basis, including the ING Orange One Rewards Card and BCU Rewards Credit Card. Finder’s guide to cashback credit cards has more details about different types of offers. You can also use the comparison table filters to help find and compare different cards. I hope this helps.

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St.George Vertigo Card – Cashback Offer

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