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0% p.a. interest on balance transfers for 32 months##

No balance transfer fee.

The variable cash advance rate will apply after the promotional period. This 0% p.a. offer relates to balance transfers requested at card application. New cards only.


No card fee for the first year (saving $55)^^.


St.George Vertigo card

Key Rates and Fees

  • 13.99% p.a. low variable interest rate on purchases
  • 21.49% p.a. variable cash advance rate
  • $55 ongoing annual card fee

Easy, secure and a fast way to pay with Apple Pay]

Enjoy all the benefits of your eligible St.George Visa card using Apple Pay. It’s the easy, secure, and fast way to pay. Learn more

The low rate credit card with great benefits

Up to 55 days
 Interest free on purchases when you pay the Closing Balance (or the Monthly Payment Balance with a balance transfer) on time.
Quick Balance
Check the balance of up to two accounts at a glance on our Mobile Banking app – without having to log in
Card Block
Freeze your card for up to 15 days when you've misplaced it, simply by using our Mobile Banking app*
Important information

Key Facts Sheet

Internet Banking and Phone Banking Terms and Conditions (PDF 1MB)

Conditions, fees and credit criteria apply. This card is issued as a Visa card.

Switches, upgrades, or Westpac Group staff are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

You need to register for Internet banking in order to use Card Block and Quick Balance. Read the Internet Banking and Phone Banking Terms and Conditions (PDF 1MB).

##Vertigo Balance Transfer Promotion: The promotional balance transfer rate is available when you apply and are approved for a new Vertigo credit card between 20th October 2021 and 31st August 2022, and request at card application to transfer balance(s) from up to 3 non-St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards. 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. No balance transfer fees apply to a Vertigo credit card. 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.

^^Vertigo First Year Card Fee Waiver: The first-year card fee waiver is available when you apply and are approved for a new Vertigo credit card between 20th October 2021 and 31st August 2022. After the first year, the card fee will be debited to your account on the 12-month anniversary of the first transaction on your account and annually thereafter. 

*Card Block will temporarily stop new transactions on your card for 15 days or until reactivated. The card will automatically reactivate after 15 days if you do not cancel the card. Customers must be registered for St.George Internet Banking. Available on Visa Debit or Visa Credit cards only. Internet connection is required to access St.George Mobile Banking app. Normal data charges apply.

Read the Apple Pay Terms and Conditions (PDF 55KB) 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.