The St. George Vertigo Credit Card is a versatile and rewarding credit card that offers Australians a simple and straightforward way to earn cashback on their everyday purchases. With a low interest rate, low annual fee, and a range of exclusive perks and benefits, the Vertigo card is designed to provide value and convenience for cardholders.
Whether you’re looking to maximise your savings at the supermarket and petrol station or take advantage of a promotional balance transfer rate, the Vertigo card from St. George Bank has you covered. This credit card caters to the needs of Australian consumers seeking a premium credit card experience with a focus on rewards and affordability.
Key Takeaways
- Earn up to $500 cashback on eligible purchases at participating supermarkets and petrol stations
- Enjoy a low 6.99% p.a. introductory balance transfer rate for 12 months
- Access a range of additional benefits, including fraud protection and mobile wallet compatibility
- Flexible credit limit options starting from a minimum of $500
- No-frills annual fee of $55 to keep costs manageable
An Overview of the St. George Vertigo Credit Card
The St. George Vertigo Credit Card is a versatile and rewarding credit card option for Australian consumers. With its impressive lineup of features and benefits, this card offers a compelling value proposition that is worth exploring.
Key Features and Benefits
The St. George Vertigo Credit Card boasts an array of attractive features, including a low variable interest rate on purchases of 13.99% p.a. and a reasonable annual fee of $55. Cardholders can also take advantage of a balance transfer offer, which provides a promotional rate of 0.99% p.a. for the first 28 months, with no balance transfer fee.
Cashback Rewards and Balance Transfer Offers
One of the standout features of the Vertigo card is its cashback rewards program. Customers can earn 10% cashback on eligible spending at participating supermarkets and petrol outlets, up to a cap of $500 per card account. This cashback is credited to the card’s statement within 30 days of the eligible purchase. Additionally, the card offers balance transfer opportunities, allowing customers to transfer balances from up to 3 non-St. George, Bank of Melbourne, and BankSA cards at a promotional low rate.
| Feature | Details |
|---|---|
| Balance Transfer Rate | 0.99% p.a. for the first 28 months, with no balance transfer fee |
| Annual Fee | $55 |
| Purchase Interest Rate | 13.99% p.a. |
| Cash Advance Rate | 21.99% p.a. |
| Foreign Currency Conversion Fee | 3% |
| Minimum Credit Limit | $500 |
| Maximum Credit Limit | $80,000 |
| Late Payment Fee | $15 |
| Cash Advance Fee | 3% |
| Overseas Cash Advance Fee | 3% of each cash advance amount |
| Cashback Offer | 10% cashback on eligible spends at participating supermarkets and petrol outlets, up to $500 per card account |
Vertigo Credit Card: The Everyday Card with Value
The St. George Vertigo Credit Card is designed to be an everyday card that provides value and flexibility for Australian consumers. With its low minimum credit limit of just $500, the Vertigo card can help ensure responsible credit card use and avoid the temptation of overspending.
Low Minimum Credit Limit for Responsible Spending
The low minimum credit limit on the Vertigo card is a valuable feature for those looking to maintain responsible credit card use. By limiting the available credit, cardholders are less likely to accumulate debt they cannot easily repay, promoting a healthier financial habit.
Complimentary Additional Cardholder Option
In addition to the low minimum credit limit, the Vertigo card offers the option to add a complimentary additional cardholder. This allows families or shared households to consolidate their spending on a single account, making it easier to track and manage their Vertigo card value.
Overall, the St. George Vertigo Credit Card is designed to provide Australian consumers with an everyday card that balances value, flexibility, and responsible spending habits.
What type of Credit Card do you want?
Secure and Convenient Payment Options
The St. George Vertigo Credit Card offers a range of secure and convenient payment options to make everyday transactions hassle-free. With support for mobile wallets such as Apple Pay, Google Pay, and Samsung Pay, cardholders can enjoy the ease of contactless payments for in-store, in-app, and online purchases.
Mobile Wallets and Fraud Protection
In addition to the mobile wallet capabilities, the Vertigo Credit Card also comes equipped with robust fraud protection features. These include 24/7 fraud monitoring, Secure Online Shopping Service, and the St. George Fraud Money Back Guarantee, providing cardholders with peace of mind when making purchases.
The card’s dynamic CVV feature, which changes every 24 hours, adds an extra layer of security against fraudulent activities, reducing the risk of credit or debit card fraud by over 50%. Cardholders can securely access their full card details, including the dynamic CVV, within the St. George Mobile Banking App, allowing them to set up recurring card payments with ease.
Whether making in-store, in-app, or online purchases, the Vertigo Credit Card’s secure and convenient payment options, combined with its robust fraud protection features, provide cardholders with a seamless and worry-free payment experience.
| Feature | Benefit |
|---|---|
| Mobile Wallet Support | Contactless payments for in-store, in-app, and online purchases |
| 24/7 Fraud Monitoring | Proactive protection against fraudulent activities |
| Secure Online Shopping Service | Additional security for online transactions |
| St. George Fraud Money Back Guarantee | Peace of mind and financial protection against fraud |
| Dynamic CVV | Reduces the risk of credit or debit card fraud by over 50% |
St. George Vertigo Credit Card: Rewards Made Simple
The St. George Vertigo Credit Card’s rewards program is designed to be straightforward and rewarding. Cardholders can earn exclusive bonus cashback when they shop through the new St. George Lounge on the ShopBack app and link their Vertigo card. This innovative partnership provides a convenient way for customers to maximise their savings while enjoying the card’s other benefits.
In addition to the ShopBack integration, Vertigo cardholders can also access a range of Visa offers and perks. These include discounts, special deals, and exclusive experiences across a variety of merchants and service providers. This comprehensive suite of rewards and benefits ensures that the Vertigo card delivers exceptional value to its users.
| Vertigo Card Rewards Program | Visa Offers and Perks |
|---|---|
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By combining the Vertigo card’s rewards program with the extensive Visa offers and perks, St. George has created a credit card that truly delivers value and convenience to its customers. Whether you’re looking to maximise your savings or enjoy exclusive experiences, the Vertigo card is the perfect choice.
Eligibility Criteria and Application Process
To be eligible for the St. George Vertigo Credit Card, applicants must meet a few key requirements. Firstly, they must be Australian or New Zealand citizens, or hold an acceptable Australian visa with at least one year remaining before expiry. Additionally, they must have a fixed residential address in Australia and demonstrate a regular, verifiable Australian taxable income for at least three months (or 18 months for self-employed individuals).
Requirements for Approval
When applying for the Vertigo card, individuals will need to provide at least two forms of identification, such as an Australian driver’s licence, Medicare card, passport, or Australian birth certificate. They will also need to supply details of any current debts and regular monthly expenses to ensure they can comfortably manage the card’s repayments.
Documents Needed for Application
The application process for the St. George Vertigo Credit Card is straightforward. Applicants will be required to submit documentation that verifies their identity, income, and financial situation. This may include pay slips, bank statements, or other financial records to demonstrate their ability to meet the card’s eligibility criteria.
