How to Apply for the St. George Vertigo Credit Card

The St. George Vertigo Credit Card is a popular choice among Australians seeking a credit card with low interest rates and attractive benefits. Designed to offer flexibility and rewards, this card is ideal for those looking to manage their finances efficiently while taking advantage of interest-free days and cashback offers.

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In this article, we’ll explore the benefits, eligibility requirements, pros and cons, and provide a step-by-step guide on how to apply for the card. We’ll also cover the fees associated with the card, as well as information about St. George Bank, the card issuer.

Introduction to the St. George Vertigo Credit Card

The St. George Vertigo Credit Card is a credit card tailored for those seeking competitive interest rates and practical benefits. With a variable purchase interest rate of 13.99% p.a. and up to 55 interest-free days, it’s a smart choice for those looking to avoid extra costs by paying off their purchases on time.

Additionally, the card offers a promotional balance transfer rate of 6.99% p.a. for 12 months, making it a great opportunity to consolidate debt and save on interest.

The card also stands out for its up to $500 cashback offer at selected supermarkets and petrol stations, making it an attractive option for those who regularly spend in these categories. With a minimum credit limit of $500, it’s accessible even for those new to credit cards.

Benefits of the St. George Vertigo Credit Card

The St. George Vertigo Credit Card offers a range of benefits that make it an appealing choice for various types of consumers. Here are the key features:

• Cashback at Supermarkets and Petrol Stations: With this card, you can earn 10% cashback on spending at selected supermarkets and petrol stations, with a total cashback limit of $500. This offer is available only to new customers who haven’t held a St. George, Bank of Melbourne, or BankSA credit card in the last 24 months.
• Low Interest Rate: The variable purchase interest rate of 13.99% p.a. is one of the most competitive in the market, ideal for those who may not pay off their balance in full each month.
• Up to 55 Interest-Free Days: The card offers up to 55 interest-free days on purchases, provided you pay the full balance within the interest-free period.
• Balance Transfer Promotional Rate: Enjoy a 0% p.a. interest rate on balance transfers for 24 months (with a 1% balance transfer fee). After the promotional period, the standard cash advance rate will apply.
• Complimentary Additional Cardholder: Add a second cardholder (aged 16 or over) at no extra cost, keeping all spending on one account.
• Security and Fraud Protection: The card offers 24/7 fraud monitoring, secure online shopping services, and the St. George Fraud Money Back Guarantee, which ensures reimbursement for fraudulent transactions.
• Access to Exclusive Offers: With the My Offers Hub and Visa Offers and Perks, you gain access to discounts and personalised benefits.

Eligibility Requirements for the St. George Vertigo Credit Card

To apply for the St. George Vertigo Credit Card, you’ll need to meet the following requirements:

• Minimum Age: 18 years.
• Residency: Must be an Australian resident.
• Income: Proof of regular income, such as payslips, bank statements, or tax documents.
• Identification Documents: At least two forms of ID, such as an Australian driver’s licence, Medicare card, passport, or birth certificate.
• Australian Mobile Number: Required to receive verification codes during the application process.
• Existing Debts: Disclosure of loans, credit cards, or other debts.
• Residency and Visa Status: Documents proving your residency status in Australia.

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Pros and Cons of the St. George Vertigo Credit Card

Pros

• Low purchase interest rate (13.99% p.a.).
• Up to 55 interest-free days on purchases.
• 10% cashback at selected supermarkets and petrol stations (up to $500).
• Promotional 0% p.a. balance transfer rate for 24 months.
• Complimentary additional cardholder.
• Robust security with 24/7 fraud monitoring.

Cons

• Has an annual fee of $55
• High cash advance interest rate (21.99% p.a.).
• 3% fee on international transactions.
• Cashback offer available only to new customers.

About St. George Bank

St. George Bank is one of Australia’s most recognised banks, with over 90 years of history. Known for its high-quality customer service and innovative financial products, the bank is part of the Westpac Group, one of the largest financial conglomerates in the country.

St. George Bank offers a wide range of services, including bank accounts, loans, mortgages, and credit cards like the Vertigo Credit Card.

Step-by-Step Guide to Applying for the St. George Vertigo Credit Card

Check Eligibility: Ensure you meet the requirements listed above.

1. Visit the St. George Bank Website: Navigate to the Vertigo Credit Card page.
2. Complete the Application Form: Provide personal, income, and identification details.
3. Choose Your Options: Select whether you want to take advantage of the cashback offer or the balance transfer promotional rate.
4. Submit Required Documents: After applying, you may be asked to provide additional documents, such as proof of income.
5. Wait for Approval: The bank will review your application and notify you of the outcome.
6. Activate Your Card: Once approved, follow the instructions to activate your card and start using it.

Fees for the St. George Vertigo Credit Card

• Annual Fee: $55.
• Purchase Interest Rate: 13.99% p.a. (variable).
• Cash Advance Interest Rate: 21.99% p.a. (variable).
• International Transaction Fee: 3% of the transaction amount.
• Balance Transfer Fee: 1% of the transferred amount (during the promotional period).
• Late Payment Fee: $15 per late or missed payment.

Conclusion

The St. George Vertigo Credit Card is an excellent choice for those seeking a credit card with low interest rates, practical benefits, and rewards for everyday spending. With its cashback offer at supermarkets and petrol stations, interest-free days, and promotional balance transfer rates, it stands out as a versatile financial tool.

However, it’s important to be aware of the annual fee and international transaction fees before deciding if this card is right for you. If you meet the eligibility criteria and are looking for a card that combines flexibility and rewards, the St. George Vertigo Credit Card could be the perfect fit.

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