Flexible introductory offers to suit your finances
Choose 10% cashback (up to $500) on groceries and fuel, or a 0% p.a. balance transfer for 24 months with a 2% fee—great for savings or debt consolidation.
Low annual fee and fee waiver for existing customers
Pay only $55 annually—or $0 in the first year if you already hold a credit card from St.George, BankSA, or Bank of Melbourne.
Competitive purchase rate with standard interest-free flexibility
Enjoy 13.99% p.a. interest and up to 55 interest-free days when paying your balance in full each month.
Complimentary cardholder feature and modest credit limit
Add an extra cardholder for free, and maintain control with a $500 minimum credit limit—ideal for budget-conscious users.
Vertigo is more than low rate—it’s everyday financial control
If your financial priorities revolve around simplicity, affordability, and flexibility, the Vertigo Card by St.George presents itself as a compelling solution. This card is purpose-built for users who want low-cost credit management without the clutter of complex rewards systems. With the option to choose between a generous 0% p.a. balance transfer for 24 months—ideal for those aiming to reduce or eliminate existing debt—or a 10% cashback on supermarket and petrol purchases, it caters to both strategic savers and budget-conscious everyday spenders. These dual promotional offers make it easier to align the card with your personal financial strategy from the outset.
Even beyond the promotional period, the card remains practical and well-suited for ongoing use. It features a competitively low purchase interest rate, up to 55 days interest-free on purchases, and a modest annual fee that’s easy to justify with responsible use. While it doesn’t include extras like complimentary travel insurance or rewards points, what it lacks in perks it makes up for in transparency. The absence of hidden conditions and the straightforward fee structure support a more predictable, stress-free credit experience—especially valuable for those focused on everyday budgeting and avoiding unnecessary debt.
For users who prioritize financial discipline, prefer clear cost structures, and value direct, easy-to-track benefits over aspirational perks, the Vertigo Card strikes the right balance. It offers peace of mind through consistent value and essential features, rather than distraction through luxury incentives. Whether you’re consolidating balances or aiming to reduce costs on household purchases, this card puts you in control of your finances—one transaction at a time. Click below to explore the official St.George application portal and decide if this card is the ideal tool for your current financial goals.
Choose the cashback offer if you spend frequently on supermarket or fuel purchases and want immediate, flexible credit back. Choose the balance transfer offer if you’re focused on reducing customer debt without incurring interest, as it offers no interest for 24 months.
Any remaining balance will revert to the standard cash advance/transfer rate of 21.99% p.a., so it’s essential to have enough time and budget to clear the debt before the promo ends.
No—this card does not offer complimentary travel or rental car insurance. Its pricing and simplicity exclude such benefits, although it does include fraud protection and optional consumer safeguards via external programs.
Yes—you can add one additional cardholder at no charge, typically a family member aged 16 or older. Their activity is your responsibility, so it’s useful for shared household spending.
Beyond the annual fee (waived for existing customers in the first year), late payments incur a $15 fee, cash advances cost 3% of the amount, and international transactions are charged 3% foreign currency fee. Interest accrues if balances carry over.
Final Thoughts: Simple, Smart Savings for Everyday Life
If you’re focused on minimizing costs and getting the most from your day-to-day spending, the Vertigo card stands out as a reliable choice. With a low ongoing interest rate, two thoughtful promotional options, and a welcome feature that caters to how you spend—either cashback for regular purchases or 0% balance transfer for debt reduction—it offers meaningful value without unnecessary clutter. The card’s design reflects a commitment to practicality, ensuring that your rewards and expenses remain straightforward and easy to understand.
For those who don’t find value in travel perks, lounge passes, or point-based rewards, the Vertigo card intentionally skips the extras. Instead, it focuses on direct savings, consistent benefits, and financial clarity. If you spend regularly, pay your balance on time, and engage with the card as part of your routine budget, the card’s benefits stack neatly and sensitively—with no complicated tiers or fine print to clutter the experience.
By choosing the right offer—based on whether you’re consolidating debt or offsetting everyday expenses—you can tailor the card to work best for you. Combined with disciplined usage, the Vertigo credit card becomes a smart financial tool that rewards stable habits rather than high-impact promos. Ready to explore more? Click below to review full terms, check eligibility criteria, and begin your application securely through the official St.George site.