Vertigo Platinum | St.George Bank

Vertigo Platinum Card

Get a $300 Cashback

To your account when you open a new Vertigo Platinum credit card and spend $900 or more on eligible purchases within 90 days from card approval.^#

12.99% p.a.

Our lowest ongoing variable interest rate on purchases.

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.

Overseas Travel insurance

On trips up to 6 months which may include your spouse and/or dependent children, including medical expenses, unexpected cancellation and rental vehicle excess when you satisfy the eligibility criteria.¹

Purchase security insurance

Up to 4 months complimentary cover against theft, loss or accidental damage on selected personal goods purchased using the card¹

Extended warranty

Complimentary extended warranty insurance on purchases of personal goods charged entirely to your eligible credit card for up to 12 months on the manufacturer's expressed Australian warranty.¹

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

Key rates and fees

$99 annual card fee
12.99% p.a. low variable interest rate on purchases
21.49% p.a. variable cash advance rate

Complimentary services

Linking to St.George bank account
24/7 fraud monitoring
Phone and Internet Banking
Autopay
SMS and email alerts
Visa payWave contactless payments for transactions under $200^{^}

Before you apply

To improve the likelihood your application is approved and in a timely manner, please read this section carefully before applying.

Please note that we cannot process new credit applications while a COVID-19 relief package is applied to your account. If you wish to proceed with an application, you will first have to request a withdrawal from the package through Internet Banking or call us on 13 33 30. For more information please visit our COVID-19 customer support webpage.

For starters, make sure you meet our eligibility basics

You’re aged 18 or over
You’re an Australian citizen or have a permanent residency visa
You have a regular, verifiable income
You have a residential address in Australia.

Add in some things that could help

Check your credit report

As part of reviewing your application we look at the information on your credit report, which is produced by an independent credit bureau. This report shows a snapshot of your liabilities, available credit, and your repayment behaviour for these accounts. To learn more about credit reporting in Australia visit www.stgeorge.com.au/ccr.

It’s a good idea to view your own credit report and check your details are correct before starting your application. You can do this for free by visiting the credit bureau website directly, or via CreditSmart.org.au. We work with three bureaus: Equifax, illion and Experian, so you might like to check the report produced by each of them.

Get your documents and information ready

Before starting your application, make sure you have everything in the list below:

All existing liabilities that are in your name (e.g. personal loans, other credit or store cards, ‘interest-free’ instalment purchases, home loan)
Your income information from the last 3 months, such as payslips, bank statements and rental income (you won’t need this if your pay already goes into
a St.George bank account)
All your regular monthly expenses (including school fees, insurance, bills etc.)
Your frequent flyer number (if applying for a Rewards card)
Your balance transfer credit card details (if applying for a Balance Transfer).

If you’re an existing St.George customer, you’ll also need to:

Apply as an existing customer in the application form, which includes logging in to your account
Once logged in, double-check that your personal details (name, address etc) are up-to-date. If not, log in to internet banking to update them.

Double-check your application before pressing ‘Submit’

Don’t make multiple applications

Apply online

Important information

Key Facts Sheet

Credit Card Terms and Conditions (PDF 292KB)

Credit Card Accounts Fees and Charges (PDF 555KB)

Credit Card Complimentary Insurance Terms and Conditions (PDF 421KB)

Internet Banking and Phone Banking Terms and Conditions (PDF 226KB)

Conditions, fees and credit criteria apply. 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.

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.

This offer is only available to customers who apply via this website (offer not available in branch or via call centres) and are approved for a new Vertigo Platinum credit card between 4th November 2020 and 30th March 2021.

#Cashback promotion: The cashback offer is available when you apply and are approved for a new Vertigo Platinum credit card between 4th November 2020 and 30th March 2021, and spend $900 or more on eligible purchases within 90 days from card approval. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, payments to the Australian Tax Office, government charges, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited to the card account. Only one cashback will be paid per customer. $300 cashback will be paid as a statement credit to your Vertigo Platinum credit card account within 60 days of meeting the minimum spend criteria. Existing St George, Bank of Melbourne or BankSA customers who currently hold a Vertigo Platinum credit card, or who have held one in the last 12 months, are not eligible for this offer.

^As at 7 April 2020, the contactless transaction limit has been temporarily increased from $100 to $200. This is a temporary increase that is progressively being rolled out and will be only available on certain St.George cards and payment terminals at certain retailers. Customers are encouraged to follow the prompts at each terminal to determine whether a PIN is required. This increase to the contactless limit is part of an industry-wide response to help reduce the spread of COVID-19.

1. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible St.George account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Credit Card Complimentary Insurance Terms and Conditions. (PDF 421KB) which may be amended from time to time. Westpac does not guarantee this insurance.

Read the Apple Pay Terms and Conditions (PDF 85KB) 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.