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St.George Vertigo Credit Card – Cashback Offer
St.George Vertigo Credit Card – Cashback Offer

St.George Credit Cards

St.George Vertigo Credit Card – Cashback Offer

Updated 20 October 2021

Get $300 cashback when you spend $4,000 on eligible purchases within 120 days of new card approval. The card also comes with a $0 annual fee for the first year ($55 thereafter), and a low balance transfer offer of 6.99% for 12 months with no balance transfer fee.

T&Cs apply. Offer ends 30 November 2021

Purchase Rate (p.a)


Balance Transfer (p.a)

6.99% for 12 months No balance transfer fee.
Reverts to 21.49% p.a.

Annual Fee (p.a)

$0 first year. Then $55 p.a.

$0 over 12 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • $300 cashback when you spend $4,000 on eligible purchases within 120 days of new card approval
  • $0 annual fee first year ($55 thereafter)
  • 6.99% for 12 months with no balance transfer fee
  • Low purchase rate of 13.99% p.a.
  • Eligible with Apple Pay, Google Pay and Samsung Pay

  • Balance transfer offer reverts to a high 21.49% p.a. cash advance rate review

Editor Review

St.George Vertigo Credit Card – Cashback Offer

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of 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.

User reviews

St.George Vertigo Credit Card – Cashback Offer ( based on 1 user review )

78% rating based on 1 review

Customer Service

Rates and fees

Interest rates

Purchase rate 13.99% p.a.

Cash advance rate 21.49% 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 21.49% p.a.

Balance transfer from personal loan No

Balance transfer fee No fee

Balance transfer limit 80% of approved credit limit

Banks you can't balance transfer from Bank of Melbourne, BankSA, St.George

Credit limits

Minimum credit limit $6,000

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

Annual fee the first year $0

Cash advance fee 2% or $2.50, whichever is greater

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


$300 cashback when you spend $4,000 on eligible purchases within 120 days of new card approval

Eligible with Apple Pay, Google Pay and Samsung Pay


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

  • $300 cashback when you spend $4,000 on eligible purchases within 120 days of new card approval
  • $0 annual fee first year ($55 thereafter)
  • 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

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Resident or citizen of Australia. Temporary residents are eligible.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

4 questions (showing the latest 10 Q&As)



7 June 2021
Overseas Travel Insurance (cover on trips up to six months) Purchase Security Insurance (four months cover against theft,) Extended Warranty (offering up to 12 months additional cover) What does this months refer to ? Is it from approval of the credit card or for any trips/purchases whenever it is done? Want to understand if these complimentary insurances are only for the few initial months or will be ongoing?
    Roland B Bleyer - Founder


    8 June 2021
    Hi Deep, thanks for your question! The months indicated on each of the added features is from the time transaction/purchase has been made and the complimentary insurances are ongoing. Hope this helps!


4 April 2021
What is the minimum salary I can apply this credit card?
    Roland B Bleyer - Founder


    6 April 2021
    Hi Alice, there is no listed minimum income requirement for this card. Your application is assessed on a number of factors including how your income compares to your expenses. The minimum credit limit of this card is $6,000, so you'll need to be able to service a limit at least this high. For example, other cards with a $6,000 limit have minimum income requirements from $35,000 to $40,000. I hope that helps.


21 February 2021
St.George Vertigo Platinum Credit Card – Cashback Offer Not sure when the temporary residents includes international student with valid student visa in Australia to apply.
    Roland B Bleyer - Founder


    22 February 2021
    Hi Rina, St.George allows temporary residents to apply but you can only apply in-branch or over the phone. The base eligibility criteria including: having a St.George transaction account, having a valid visa with at least two years remaining and having confirmed employment in Australia with an Australian taxable income.


29 January 2021
Why have not I received the cashback for the Vertigo credit card after paying more than $900?
    Roland B Bleyer - Founder


    1 February 2021
    Hi Mina, checking the terms, $300 cashback will be paid as a statement credit to your Vertigo Platinum credit card account within 60 days of meeting the minimum spend criteria. Not sure when you completed the spend required. Though if you can work around these timeframes.

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