- Cashback: Earn 10% back onto your account (up to $500 total) if you apply and pay using your new card at petrol stations and supermarkets including Coles, Woolworths and more.
- Low interest rate: Pay 13.99% p.a. interest on everyday purchases, and a low 6.99% p.a. on balance transfers.
- Low fees: A very affordable annual fee of $55
- Digital wallet compatibility: Syncs with Apple Pay, Google Pay and Samsung Pay
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St.George Credit Cards
St.George Vertigo Credit Card – Cashback Offer
Updated 8 September 2025
Up to $500 cash back in your pocket? 🙋♂️ That’s what you could earn just by using your card at selected supermarkets and petrol stations in the first six months.
This card also comes with a low annual fee and low interest rate, making it a good option if you’re after a simple card with minimal costs and a nice cashback perk.
Purchase Rate (p.a)
13.99%
Balance Transfer (p.a)
6.99% for 12 months
No balance transfer fee.
Reverts to 21.99% p.a.
Annual Fee (p.a)
$55
Pros and cons
- No other special extras
Creditcard.com.au review
Editor Review
St.George Vertigo Credit Card – Cashback Offer
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
Who suits the St.George Vertigo Cashback card?
First Timer: you’re looking for a simple card with a few perks to get you started. You’d like a low annual fee and a low interest rate.
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Rainy Day Prepper: you want a low-cost card to keep in your pocket. Even better if it has interest-free perks when you do have to use it.
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Carefree Splurger: budgets are a bummer, and you need help with getting on top of debt. Low interest rates and low fees are great.
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Overall Rating
St.George is really flexing some muscle with its cashback card. $500 is a lot of dollars to earn back and makes this card good value considering its low annual fee.
It also has a low interest rate, other cashback and discount opportunities, and a discount on the balance transfer interest rate. You could say the Vertigo card offers a “dizzying” good deal, if we were into terrible puns.
What I love about the St.George Vertigo - Cashback card
If you’ve been searching for a card that’s cheap in fees but rewards you in cash, this could be a serendipitous moment. The St.George Vertigo - Cashback card has one of the highest cashback offers in town and a low annual fee which means you’re winning right out of the gate.
You could think about it this way: the maximum cashback pays for the annual fee on your card for 4.2 years.
Ok, enough gasping at the offer. Here’s how the cashback works:
You can earn 10% on purchases at participating retailers for the first 6 months, capped at $500 maximum. The cashback will show up as a credit on your Vertigo card account within 90 days.
What are participating retailers? The retailers that earn the 10% back are not a handful of obscure, online brands, which is refreshing to see. St.George says you can earn cashback at most supermarkets (like Woolworths, Coles, IGA and Aldi) and petrol stations.
The exceptions are stores that don’t classify in the Supermarket, Grocers and Service Station merchant categories. For example, Coles Express, Costco, Metropolitan Fresh and wholesaler supermarkets.
| ✏ Take note: Transactions excluded from the cashback offer include gift card or eGift card purchases at participating supermarkets are not counted as part of eligible spend. Eligible spend also excludes fees, cash, cash-equivalent transactions, third-party payments such as AfterPay, BPAY, PayPal or PayPal equivalent.] |
So, while you’ll have to earn your cashback, it’s pretty easy to do if you regularly eat food and fill up a car.
Extras
The St.George Cashback card is a low-cost card, so it doesn’t overflow with features. But, it does come with some extras that can help you save money or earn even more cashback.
Low interest rate: The interest rate is 13.99% p.a., which keeps repayments down if you carry a balance over and have to pay interest.
Low balance transfer rate: You’ll pay only 6.99% p.a. on any balance transfers you make during your application. You have to be approved for the card and can’t transfer from a St.George, Bank of Melbourne or BankSA credit or store card. You can transfer $200 or more and up to 80% of your available credit limit.
Low credit limit: The minimum credit limit is just $500, which can be good for first-time cardholders and those wanting an emergency fund.
Bonus cashback and discounts: You can link your card to the ShopBack app and you could earn exclusive bonus cash back on your account when you shop on the St.George Lounge. You can also earn discounts on food, entertainment, sport and retail through Visa Offers + Perks.
Lastly, you can add one free additional cardholder over 18, and get 55 days interest-free on things you buy. If you have a balance transfer, you won’t get the 55 days interest-free unless you pay the full closing balance on the statement.
What’s not so great
The cashback offer isn’t available if you’ve held a St.George, Bank of Melbourne or BankSA credit card in the last 12 months.
The low balance transfer rate is nice, but other cards (including St.George’s own Vertigo Balance Transfer credit card) offer 0% interest balance transfers that can help you save even more if you have a lot to pay off.
Who suits this card?
Being a minimal-cost kind of card, the St.George Vertigo could suit you if you’re looking for an everyday or rainy day card with a low interest rate, you’re a first-time cardholder or you like to snag big cashback for a low annual fee.
User reviews
Rates and fees
Interest rates
Purchase rate 13.99% p.a.
Cash advance rate 21.99% p.a.
Interest free period on purchases up to 55 days
Balance transfer
Balance transfer rate 6.99% p.a. for 12 months
Balance transfer revert rate 21.99% p.a.
Balance transfer from personal loan No
Balance transfer fee No fee
Balance transfer limit 80% of approved credit limit
Brands you can't balance transfer from Bank of Melbourne, BankSA, St.George
Credit limits
Minimum credit limit $500
Maximum credit limit $80,000
Fees & repayments
Annual fee $55 p.a.
Additional cardholder fee $0 p.a.
Foreign transaction fee 3%
Minimum repayment 2% or $10, whichever is greater
Cash advance fee 3%
Late payment fee $15
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Extras
Eligible with Apple Pay, Google Pay and Samsung Pay
Overview
St.George Vertigo Credit Card – Cashback Offer
Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.
Key features
- Get 10% cashback (up to $500 total cashback) if you successfully apply and pay using your new card at selected supermarkets including Coles, Woolworths, IGA, Harris Farm, and Aldi, and selected petrol outlets within 180 days from card approval.
- 6.99% p.a. interest on balance transfers for 12 months; reverts to cash advance rate
- Low annual fee of $55
- Low purchase rate of 13.99% p.a.
- Up to 55 days interest free on purchases
- An additional cardholder at no extra cost
- Eligible with Apple Pay, Google Pay and Samsung Pay
Minimum criteria to apply for this card
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Be over 18 years old
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Good Credit and have not applied for multiple credit cards recently
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You have permanent residency in Australia/NZ OR; You’re a non-resident or migrant and hold an acceptable Visa, with a min 1 year before expiry
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
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