St.George Vertigo Card: Low Rates and Big Savings

Choosing the right credit card can feel like a bit of a minefield, especially with so many options out there. If you’re someone who values keeping costs low and avoiding unnecessary fees, the St.George Vertigo Card could be a great fit.

Known for its low interest rates and no-nonsense approach, this card is ideal for anyone looking to save on interest and manage their finances with ease.

Whether you’re thinking about consolidating your debt or just want a reliable card for your everyday spending, stick around to see why the St.George Vertigo Card might just be what you’re after.

Discover the Features of the St.George Vertigo Credit Card

The St.George Vertigo Credit Card is a versatile and reliable choice for everyday finances. Issued by St.George Bank, a well-established Australian financial institution, this card carries the Visa logo, ensuring widespread acceptance both domestically and internationally.

• Global Acceptance: As a Visa card, the St.George Vertigo Credit Card is accepted at millions of locations worldwide, including physical stores, online retailers, and ATMs. Whether you’re shopping locally or travelling abroad, you can trust that this card will be welcomed just about everywhere.
• Online and In-Store Purchases: The card is ideal for both online and physical purchases, providing flexibility no matter where you choose to shop. Whether it’s buying groceries at your local supermarket or ordering the latest gadget online, the St.George Vertigo Card offers seamless transactions.
• Trust and Security: Backed by St.George Bank, a trusted name in Australian banking, this card comes with the assurance of reliable customer service and robust security features. You’ll benefit from 24/7 fraud monitoring, the St.George Fraud Money Back Guarantee, and the ability to use secure payment methods like Apple Pay, Google Pay, and Samsung Pay.

The St.George Vertigo Card isn’t just a tool for purchases—it’s a financial companion that offers peace of mind with every transaction.

Top Reasons to Choose the St.George Vertigo Credit Card

If you’re still weighing your options, here’s a closer look at the top reasons to choose the St.George Vertigo Credit Card:

1. Low Ongoing Interest Rate

The card’s 13.99% p.a. variable interest rate on purchases is a standout feature. It’s lower than many other credit cards, making it an excellent choice if you occasionally carry a balance. This low rate helps keep your interest costs manageable, putting more money back in your pocket.

2. Balance Transfer Offers

Managing existing debt can be a challenge, but the St.George Vertigo Card makes it easier with its attractive balance transfer options. You can choose between 6.99% p.a. interest on balance transfers for 12 months or 0.99% p.a. for 28 months. These options provide a great way to pay down your debt more quickly and with less stress.

3. Interest-Free Days

With up to 55 days interest-free on purchases, you have the flexibility to manage your spending without immediate interest charges. This feature is especially useful for budgeting and ensuring you can pay off your balance before any interest is applied.

4. Cashback on Everyday Spending

If you’re a frequent shopper or commuter, the St.George Vertigo Card offers an appealing 10% cashback on purchases at selected supermarkets and petrol stations, up to a total of $500. This cashback offer can lead to significant savings over time, making your everyday expenses more rewarding.

5. Convenient Mobile Banking

The St.George mobile app is designed to make managing your credit card a breeze. With this app, you can easily check your balance, track spending, make payments, and even request a credit limit increase. It’s all about convenience and control at your fingertips.

6. Low Minimum Credit Limit

The card comes with a $500 minimum credit limit, making it accessible for those new to credit or anyone looking to maintain strict control over their spending. It’s an ideal choice if you prefer to start with a lower limit and increase it as needed.

7. Complimentary Additional Cardholder

You can add a second cardholder (aged 16 or over) for free, allowing you to share the account with a partner or family member while keeping all spending on one account. This is a great way to manage household finances more effectively.

8. Security and Peace of Mind

Security is a top priority with the St.George Vertigo Card. Enjoy 24/7 fraud monitoring, a Secure Online Shopping Service, and the St.George Fraud Money Back Guarantee. Plus, the ability to use secure payment methods like Apple Pay, Google Pay, and Samsung Pay means you can shop with confidence, knowing your transactions are protected.

These reasons highlight how the St.George Vertigo Credit Card can provide value, convenience, and security, making it an ideal choice for cost-conscious Australians who want a card that works hard for them.

Eligibility Criteria for the St.George Vertigo Credit Card

Thinking about applying for the St.George Vertigo Credit Card? Here’s what you need to qualify:

1. Age: You need to be at least 18 years old.
2. Residency: You must be an Australian citizen or permanent resident.
3. Credit history: A good credit score is a must. St.George will check your credit history to make sure you’re a responsible borrower.
4. Income: You’ll need to show proof of regular income. This helps St.George determine whether you can comfortably meet the card’s repayment requirements.
5. Identification: Have your ID ready – like a driver’s licence or passport – as you’ll need to provide this during the application process.

Applying for the St.George Vertigo Credit Card

Getting started with the St.George Vertigo Card is pretty straightforward. Here’s how to apply:

1 – Head to the St.George Vertigo Card website:

2 – Click on “Apply Now”.

3 – Choose Your Application Option: On the page, you’ll find two primary buttons:

Apply “For the cashback offer:” or “For the balance transfer offer“.

Select the Most Convenient Option: Depending on your needs, choose the most convenient application route.

4- Fill Out the Application Form: After clicking “Apply Now,” you’ll be taken to the application form. Carefully fill out all required fields with your personal, financial, and employment information.

5 – Submit Your Application: Once you’ve reviewed your details to ensure everything is correct, submit your application.

6 – Await Approval: After submission, you’ll need to wait for Westpac to review your application. If approved, your new credit card will be sent to your address within 10 days.

Fees and Charges for the St.George Vertigo Credit Card

Before you jump in, it’s important to know the costs associated with the St.George Vertigo Card. Here’s a quick rundown:

• Annual fee: There’s an annual fee of $55 to keep in mind. It’s relatively low but something to consider when budgeting.
• Interest rates: The card’s main attraction is its 13.99% p.a. variable interest rate on purchases, which helps keep your interest costs down if you carry a balance.
• Cash advance fees: Using your card to withdraw cash? Expect a cash advance fee of 3% of the amount, and be aware that this comes with a higher interest rate of 21.99% p.a..
• Late payment fees: Miss a payment and you’ll cop a late fee of $15. It’s worth setting up automatic payments or reminders to avoid this.
• Foreign transaction fees: Buying in a foreign currency? The St.George Vertigo Card charges a 3% fee for that, so it’s something to consider if you’re an avid traveller or online shopper.

Important Information Before You Apply for the St.George Vertigo

There are a few things you should know before applying for the St.George Vertigo Card:

Activating Your St.George Vertigo Credit Card

Once you’ve been approved and your card arrives, you’ll need to activate it. Here’s how:

1. Online activation: Log into your St.George online banking account and follow the instructions to activate your new card.
2. Phone activation: Alternatively, you can call the number provided with your card to get it activated.

Requesting a Credit Limit Increase for Your St.George Vertigo

Need a higher credit limit? Here’s what to do:

1. Online request: Log into your account, go to the credit card section, and put in a request for a limit increase.
2. Contact customer service: You can also chat with St.George’s customer service team to discuss your options for increasing your limit.

Managing Payments If You Can’t Pay Off Your St.George Vertigo Balance

Struggling to make payments? Don’t stress – here are your options:

1. Contact St.George: Get in touch with St.George’s financial hardship team. They can help you work out a payment plan that suits your situation.
2. Seek financial advice: Consider speaking with a financial counsellor for advice on managing your debt and getting your finances back on track.
3. Explore payment options: St.George might offer solutions like payment holidays or reduced payments during tough times, so it’s worth asking about these options.

Contacting St.George for Assistance

If you ever need help with your St.George Vertigo Credit Card or have any questions, getting in touch with St.George is straightforward. Here’s how you can reach them:

1. Phone: You can call St.George’s customer service team for support with your credit card: 13 33 30 – 8am – 8pm (Sydney Time) Monday to Friday (excluding public holidays) or +61 2 9155 7800 (from overseas)
2. Online chat: If you prefer to sort things out online, St.George offers a live chat option on their website. It’s a quick way to get answers without needing to pick up the phone.
3. Visit a branch: For face-to-face assistance, you can visit your nearest St.George branch. Whether you need help with an application or have a question about your account, the staff are there to assist.
4. Mobile App: Download the app and contact us via chat: