Home St George – Vertigo Card – Cashback Offer

St George – Vertigo Card – Cashback Offer

The St.George Vertigo is a low rate card suited to people looking for just the basics when it comes to a credit card. It offers $300 cashback on your new credit card when you apply by 30 November 2021 and spend at least $4,000 on eligible purchases in the first 120 days from approval. It also has a $0 annual fee in the first year (going up to $55 p.a. after that).

This card also has a 13.99% p.a. interest rate for new purchases and offers up to 55 days interest-free. And unlike a lot of other cards on the market, you’ll still get interest-free days on new purchases while you have a balance transfer.

6.99% p.a.
Balance transfer rate for 12 months
(reverts to 21.49% p.a.)
0% p.a.
Purchase rate
Interest free for 55 days
$0
Annual fee
for 12 months ($55 p.a. thereafter)
$1,011
Annual savings (year 1)
Based on $5,000 balance at 20.21% interest
Card overview
Rates & fees
Pros & cons
Overview
TypeVisa
Limits
Minimum Limit$500
Maximum Limit$80,000
Rewards
Rewards ProgramNone
Bonus Points0
Rewards Points Per $ Spent
Rewards Points Cap
Additional Card Holders
Additional Cardholder Fee
Number of Additional Cardholders
Eligibility
Minimum Age18
Available To Temporary ResidentsYes
Minimum Annual Salary
Joint ApplicationYes
The good bits
Really great value
Something else
The bad bits
Not so great value
Something else
Balance Transfer Rate Details
Initial Balance Transfer Rate6.99% p.a.
Balance Transfer Fee0%
Initial Period12 months
Balance Revert Ratereverts to 21.49% p.a.
Annual Fees
Annual Fee (Year 1)$0
Annual Fee (Ongoing)$55 p.a.
Overseas Usage
Overseas Cash Advance Fee2% of the value of the transaction or minimum charge of $2.50.
Overseas ATM Withdrawal Fee$
Purchase Rate Details
Initial Purchase Rate0%
Initial Period55 days
Purchase Revert Rate13.99%
Cash Advance Charges
Cash Advance Rate21.49% p.a.
Cash Advance Fee2% or $2.50, whichever is greater.
Repayments
Minimum Monthly Repayment2% of the closing balance or $10, whichever is greater.
Late Payment Fee$15

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Frequently asked questions

Firstly, ask yourself why you need a credit card. Do you want to earn airmiles, transfer an existing balance to a lower (or 0%) interest rate? Once you are clear on the purpose, use our credit card comparison tool to find the one that meets your requirements.

It depends on what you want it for. What is good for the goose may not be good for the gander, as they say ion times gone by.

Our credit card comparisons tables will help you work out which card is better for you.

The Annual Percentage Rate (APR) is the cost you pay each year to borrow money, including fees, expressed as a percentage.

Once you have found the card you think has most suited your individual requirements, click the “Apply now” button.

You will be transferred to the end providers application page where you will need to fill in an online application form. Your application will be assessed and then accepted or rejected.

We hope so! Our individual credit card overviews will give you an idea of application success. Some cards require a minimum annual salary for example.

If you are a temporary resident, you will need to check our credit card guides to make sure you are legible for the card you have chosen.

Your application could be rejected for a number of reasons. The most likely however, is your personal credit score.

If you are someone that has debt, or has not paid off debt regularly with a previous credit card provider, your application can be rejected.

It may also be that the credit card you are applying for requires you to earn a minimum annual salary that is over what you currently earn.

There are plenty of options available to you on this website. Have a further look through, and try again.

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