St.George Vertigo Credit Card – Cashback Offer

Pauline Hatch

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Ask Pauline 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 5% cashback (up to $400 total cashback) if you successfully apply by 31 August 2022 and pay for your shopping using your new card at selected supermarkets plus, you pay $0 annual fee on the first year. Ongoing, the card offers a low purchase rate, for a reasonable $55 annual fee.

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 successfully apply by 31 August 2022 and use your new card to pay for your shopping at selected supermarkets including Coles, Woolworths, IGA, Harris Farm, and Aldi until 31 December 2022. Your cashback will be credited to your account as a statement credit within 30 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 gift card or eGift card purchases at participating supermarkets, cash, cash-equivalent transactions, third party payments such as AfterPay, BPAY, PayPal or PayPal equivalent.

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 needs 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.

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...

The St.George Vertigo Credit Card - Cashback does not have a balance transfer offer and it also does not come with any complimentary insurance covers.

If you are looking into paying down an existing card debt there are balance transfer offers out there such as the St.George Vertigo Credit Card. Go check it out and see what it has to offer. You can also find plenty of options on credit cards with free travel insurance here.

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 spend and pay it all off before it starts accruing interest – this card provides an easy way to get a portion of your spend back as cashback, and use it 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 up to $400 total cashback if you successfully apply and simply use your new card to pay for your shopping.