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).

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Product NameSt.George Vertigo Card - Cashback Offer
Balance transfer rate6.99% p.a. for 12 months
Balance transfer revert rateCash Advance Rate (21.49% p.a.)
Balance transfer limit80% of available limit
Purchase rate13.99% p.a.
Annual fee$0 annual fee for the first year ($55 p.a. thereafter)
Interest-free periodUp to 55 days on purchases
Cash advance rate21.49% p.a.
Min credit limit$500
Max credit limit$80,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsYes - Conditions apply
Joint applicationYes - Conditions apply


  • $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


  • No rewards program
  • Does not offer travel perks or insurance covers
Bonus pointsN/A
Annual fee$0 annual fee for the first year ($55 p.a. thereafter)
Minimum monthly repayment2% of the closing balance or $10, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%
Cash advance fee2% or $2.50, whichever is greater
Overseas cash advance fee2% of the value of the transaction or minimum charge of $2.50

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.

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).

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.

Review by

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.

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