St.George Vertigo Card Up to $400 Cashback at Coles and Woolies, Low 13.99% p.a.
Maximise everyday savings with the St.George Vertigo Card, with up to $400 cashback at Coles and Woolies and a competitive 13.99% p.a. rate
The St.George Vertigo Card is shaping up as a practical pick for Australians who want cashback on everyday spend and a genuinely low purchase rate. With up to $400 cashback at Coles and Woolies in the first six months and a competitive 13.99% p.a., this card targets people who prioritise value and sensible interest costs.
Cashback offer and eligible stores
The Vertigo Card offers 10% cashback at eligible supermarkets and petrol outlets for the first six months, capped at $400 after you spend $4,000 at participating retailers. Eligible stores include Coles, Woolworths (Woolies), Aldi, IGA and Harris Farm Markets, though certain outlets like Coles Express and Costco are excluded.
For households that buy groceries weekly, the St.George Vertigo Card can deliver noticeable savings quickly if you plan your spend. The $400 cap and minimum spend mean it’s best for those who already have steady grocery and fuel bills rather than people buying extra just to hit the target.
Rates, fees and key conditions
The headline purchase rate of 13.99% p.a. sets this card apart among low interest options in Australia, and the ongoing annual fee of $55 is fairly modest. You also get up to 55 days interest-free on purchases if you pay your statement balance in full each month.
Balance transfers come with an introductory 6.99% p.a. for 12 months, reverting to the cash advance rate after the promo. Be aware of the 21.49% p.a. cash advance rate and a 3% foreign currency conversion fee for overseas spend, so factor those into any travel or international purchases.
How to apply and what you’ll need
Applying for the St.George Vertigo Card is straightforward via the St.George website or in-branch if you prefer a face-to-face chat. Typical eligibility checks include ID, proof of income and a credit history check, so have payslips or bank statements ready to speed up approval.
Make sure you read the terms around the cashback window and the list of eligible retailers before applying. Setting up mobile payments like Apple Pay or Google Pay with your St.George Vertigo Card makes daily use easier and helps you track spending in real time.
Who should consider this card and tips to maximise value
The St.George Vertigo Card suits buyers focused on groceries and fuel who can meet the $4,000 spend in six months without stretching their budget. Families can benefit further because an additional cardholder can be added for free, pooling eligible spend towards the cashback cap.
To maximise the deal, channel regular supermarket and petrol purchases to the Vertigo Card during the promo period and avoid impulse spending just to meet the threshold. Compare the card’s features with travel or rewards-focused cards if you want perks beyond cashback and low interest.