St.George
St.George

St.George Rainbow Vertigo Card

Purchase Rate
13.99% p.a.
Cash Advance Rate
21.49% p.a.
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Interest Free
Up to 55 days
Annual Fee
$55.00
Balance Transfer Rate
0% p.a. for first 22 months
  • 0% p.a. interest on balance transfers for 28 months with no balance transfer fee. The variable cash advance rate will apply after the promotional period.#
  • Apply between 3rd March 2021 and 28th September 2021
  • Low variable purchase rate - just 13.99% p.a. (21.49% p.a. variable rate on cash advances).
  • Up to 55 days interest free on purchases when you pay the closing balance for your statement in full by the due date.
  • An additional cardholder at no extra cost.

Key Features
Rewards Program
Rewards
Joining Fee
-
Annual Fee
$55.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Fee & Repayments

Annual Fee $55.00
Annual Fee First Year $0.00
Rewards Joining Fee -
Supplementary Card Fee $0.00
Minimum Repayment Greater of 2% or $10.00
Interest Charged From PurchaseDate
Late Payment Fee $15.00

Other Charges

Duplicate Statement Fee $7.50
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $10.50
Overseas ATM Withdrawal Fee $2.50
Over Limit Fee $15.00
Overseas Emergency Card Replacement Fee $52.50
Terms & Conditions
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 This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion. ^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. This limited edition card design is only available when you apply for a new Rainbow Vertigo card from 3rd March 2021 and 28th September 2021. #Balance Transfer Promotion: The promotional balance transfer rate is available when you apply and are approved for a new Vertigo, Amplify Platinum or Amplify Signature credit card between 3rd March 2021 and 28th September 2021, 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. A balance transfer fee of 1% of the transferred balance(s) will apply to balance(s) transferred to a Amplify Platinum or Amplify Signature credit card. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. 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. *Receive up to 55 days interest free on your purchases if your account is paid in full by the due date shown each month (excluding any balance transfers), this is called the Monthly Payment Balance on your statement. 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. Read the Google Pay Terms and Conditions (PDF 53KB) before making a decision and consider if it is right for you. Available for eligible cards. To use Google Pay you will need to use a compatible device with a supported operating system. See our Google Pay FAQs for more information. Read the Samsung Pay Terms and Conditions (PDF 85KB) before making a decision and consider if it is right for you. To use Samsung Pay you will need to use a compatible device with a supported operating system. See our Samsung Pay FAQs for more information. Internet connection may be needed to make purchases using Google Pay, Samsung Pay and normal mobile data charges apply. Android, Google Pay and Google Play are trademarks of Google Inc. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.