St.George Vertigo Card – Cashback Offer

This is a no-frills credit card offering $300 cashback and a $0 first-year annual fee.

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.

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Amy Bradney-George

Last Updated Jul 15, 2021

6.99% p.a.

Balance transfer rate

for 12 months

13.99% p.a.

Purchase rate

$0 p.a.

Annual fee

for the first year ($55 p.a. thereafter)

55 days

Interest free period

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Details

Product Name	St.George Vertigo Card - Cashback Offer
Balance transfer rate	6.99% p.a. for 12 months
Balance transfer revert rate	Cash Advance Rate (21.49% p.a.)
Balance transfer limit	80% of available limit
Purchase rate	13.99% p.a.
Annual fee	$0 annual fee for the first year ($55 p.a. thereafter)
Interest-free period	Up to 55 days on purchases
Cash advance rate	21.49% p.a.
Min credit limit	$500
Max credit limit	$80,000
Card type	Visa
Foreign currency conversion fee	3%

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

Pros

$300 cashback offer
$0 annual fee for the first year
Competitive purchase interest rate of 13.99% p.a.
Additional cardholder at no extra cost

Cons

No rewards program
Does not offer travel perks or insurance covers

Bonus points	N/A

Annual fee	$0 annual fee for the first year ($55 p.a. thereafter)
Minimum monthly repayment	2% of the closing balance or $10, whichever is greater
Late payment fee	$15
Foreign currency conversion fee	3%
Cash advance fee	2% or $2.50, whichever is greater
Overseas cash advance fee	2% of the value of the transaction or minimum charge of $2.50

Go to St.George Bank's site More info

Review by

Amy Bradney-George

[email protected]

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The St.George Vertigo credit card currently gives you a way to get more value from your spending, with a competitive $300 cashback offer.

The $0 first-year annual fee will also help cut your card costs in the short-term. After the first year, there is a $55 annual fee that is still on the lower end of the scale.

If you’re planning to shop with a credit card, the St.George Vertigo Card also has an interest rate of 13.99% p.a. for purchases when you carry a balance from month to month. This is 5.95% lower than the average standard credit card interest rate 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.

How to apply

You can apply for the St.George Vertigo Card in 10 minutes and receive a response instantly. Before you apply, make sure you meet the eligibility requirements and have the necessary details to complete the application:

Eligibility criteria

Residency. To apply online, you must be an Australian citizen or permanent resident.
Age. You must be at least 18 years old to apply.

New cardholder. The cashback offer is only available when you apply for the St.George Vertigo card as a new cardholder before 30 November 2021.
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, 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 information. If you're requesting a balance transfer, you'll need to provide details regarding the accounts you're moving it from and the size of debt you're transferring.

Go to St.George's site More info

Card benefits

$300 cashback. You'll get $300 back to your new St.George Vertigo credit card when you apply by 30 November 2021, are approved and spend $4,000 on eligible purchases within the first 120 days from card approval. Eligible spending covers most everyday purchases. Transactions that won't count towards this spend requirement include BPAY payments, cash advance transactions, a purchase from or payment to a government or government related agency, balance transfers and account fees and charges. The $300 will be added to your credit card account as a statement credit within 60 days of meeting the spending requirement.
$0 first year annual fee. Apply and get approved by 30 November 2021 to save with a $0 annual fee for the first year (reverts to $55 p.a. thereafter).

Competitive purchase rate. The variable interest rate on purchases is 13.99% p.a.
Free additional card. Request a secondary St.George Vertigo Classic card for a family member without paying any additional fees.
Balance transfer offer. If you want to use this card to consolidate or pay off existing debt, it offers 6.99% p.a. on balance transfers for up to 12 months with no balance transfer fee. Any remaining balance after the promotional period ends is subject to the cash advance rate.
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. Outside of any promotions, 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 21.49% 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. Note that these interest-free days are separate from any longer-term interest rate promotions and the monthly payment balance excludes current balance transfers.

Go to St.George's site More info

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St.George Vertigo Card – Cashback Offer