In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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St.George Vertigo Card – Cashback Offer

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St.George Vertigo Card - Cashback Offer
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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 $400 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 $400) offer when you shop at eligible petrol stations and supermarkets – including Coles, Woolworths and Aldi – in the first 6 months. 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.

Pros

  • Up to $400 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

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

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 $400) when you apply by 31 July 2024, 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 21.49%
Balance transfer limit 80% of available limit
Purchase rate p.a. 13.99%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 21.49%
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 $55
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 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.

Card benefits

  • Up to $400 cashback on supermarket and petrol spending. Apply for a new St.George Vertigo credit card by 31 July 2024 and you'll get 10% cashback as a statement credit when you shop at eligible supermarkets and petrol stations in the first 6 months (up to a maximum total of $400 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.

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 21.49% p.a.

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Amy Finder

Editor

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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?


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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?


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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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