Vertigo

Credit Card Terms and Conditions (PDF 1008KB)

Credit Card Accounts Fees and Charges (PDF 1MB)

Conditions, fees and credit criteria apply. Standard rates and fees applicable for new cards. May not apply for existing credit card accounts. This card is issued as a Visa card. Before making a decision read the Terms and Conditions and consider if the product is right for you.

<<Vertigo Cashback offer: Offer commenced 28th May 2026. The up to $450 cashback offer is available when you apply and are approved for a new Vertigo credit card before the offer is withdrawn. $75 cashback will be awarded for every month (statement period) $1k or more is spent on eligible purchases for 6 consecutive statement periods. The first eligible spend period will commence from the day your account is opened, up to the end of your second statement period. After this date, the second eligible spend period will commence and the offer spend requirements will align to each statement period thereafter for the remaining of the 5 consecutive statement periods. Eligible purchases made in one statement period do not contribute to subsequent statement period offer eligibility. Eligible purchases do not include interest, fees, charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited to the card account. Cashback is only available on one credit card account per customer. $75 cashback will be paid as a statement credit to your Vertigo credit card account within 90 days of meeting the minimum spend criteria. Existing credit card customers who held a St.George, Bank of Melbourne or BankSA in the last 24 months, are not eligible for this offer. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

>>Vertigo Balance Transfer offer: Offer commenced 28th May 2026. The promotional balance transfer rate is available when you apply and are approved for a new Vertigo credit card before the offer is withdrawn and request at card application to transfer balance(s) from up to 3 non-St.George, Bank of Melbourne and BankSA Australian issued credit or store cards. Your current credit card issuer must accept BPAY payments to be eligible, you can check your credit card statement for payment options. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. St.George will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the "monthly payment balance" listed on your statement of account (not the full closing balance) by the relevant payment due date. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.  

Read the Apple Pay Terms and Conditions (PDF 149KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card, and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.