St.George Vertigo Credit Card – Cashback Offer

Roland Bleyer

Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. Ask Roland a Question about this card.

The St.George Vertigo Credit Card Review – Cashback Offer

Want a little something back on your credit card spending? With its cashback offer, the St.George Vertigo Credit Card - Cashback could be just what you’re looking for. As a new cardholder, you can get an easy $300 cashback when you spend $4,000 in the first four months. Ongoing, the card offers a low purchase rate, for a reasonable $55 annual fee ($0 on the first year).

What we love...

As introductory offers go, this cashback card from St.George is pretty easy to get your head around. All you need to do is spend at least $4,000 on your card within 120 days of card approval, and you will receive $300 cashback to spend as you like. After making that spend, your cashback will be credited to your account as a statement credit within 60 days.

And the small print? Here are the important bits:

• The cashback offer is not available to existing St.George, Bank of Melbourne, or BankSA customers who currently hold a Vertigo credit card, or who have held one in the past 12 months.
• Only one cashback will be paid per customer.
• Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, purchases from or payments to a government or government-related agency, BPAY or similar transactions, refunds or balance transfers.
• Offer ends 30 November 2021.

Aside from its cashback offer, there is plenty to love on the St.George Vertigo Credit Card - Cashback. Let’s start with its purchase rate. Unlike many cards, this card offers an ongoing low purchase rate. This can come in handy on the occasion when you can’t clear your balance at the end of the month. And when you can? You can benefit from up to 55 days interest-free on purchases.

As for its annual fee, this is pretty reasonable ($55 p.a.) which the first year is at $0. It’s also worth noting that you can add an additional cardholder to the account at no extra cost. So, if you have a partner or trusted family member who need access to a card, you can add them to the account, making it easy to keep track of family spending. As the primary cardholder, you are responsible for all spending on the account.

If you are looking for a longer balance transfer offer, St.George Vertigo Credit Card also has such.

Last on the list of features worth mentioning is this card’s compatibility with Apple Pay. If you like to leave your wallet at home – and just so happen to have an Apple device – you can sync your card with Apple Pay, to then pay with a tap of your device at the checkout. Apple Pay can also speed up the online shopping process, auto-filling your details at checkout.

What’s not so great...

While the St.George Vertigo Credit Card - Cashback does have a balance transfer offer, it’s not the best you’ll find on the market. Transferring an existing balance to this card, you will get a rate of 6.99% p.a. for 12 months. While this is likely lower than the rate you are currently paying, there are better balance transfer offers out there if you are serious about paying down your balance.

Why should you choose this card?

The main reason to choose this card right now is to take advantage of its cashback offer. As long as you can afford to put $4,000 on the card within the first four months – and pay it all off before it starts accruing interest – this card provides an easy way to get a third of that spend back as cashback, to spend exactly as you like.

If you occasionally carry a balance, the St.George Vertigo Credit Card - Cashback could also work well for you, with its low ongoing purchase rate. Its low annual fee is also reasonable. And while its range of perks may not be huge, they may suit you if all you’re looking for is a basic card.

Enjoy shopping with the card's Card Block, 24/7 fraud monitoring, Secure Online Shopping Service, and the St.George Fraud Money Back Guarantee. In case of misplacing your card, Card Block will temporarily stop new transactions on your card for 15 days or until reactivated.

Overall Rating

As a low rate card, the St.George Vertigo Credit Card - Cashback keeps its perks simple, in return for a reasonable annual fee. A highlight on this card is its cashback offer, which provides $300 cashback after a $4,000 spend in the first 120 days.