St.George Vertigo Card Score up to $400 Cashback with 10% at Coles, Woolies and Petrol plus Low 13.99% p.a.

Overview of the St.George Vertigo Card

The St.George Vertigo Card is a standout for Aussies after solid cashback on everyday spend and a competitive 13.99% p.a. purchase rate. It’s aimed at households who want real value from grocery and petrol purchases without a big annual fee.

With a modest $55 annual fee and the ability to add a free additional cardholder, the Vertigo Card balances rewards and affordability. The card also offers up to 55 days interest-free on purchases if you clear your monthly balance.

Cashback offer and eligible stores

The headline feature is 10% cashback on eligible Coles, Woolies and petrol purchases during the first six months, up to $400 if you hit the $4,000 minimum spend. Eligible retailers include Coles, Woolworths, Aldi, IGA and Harris Farm Markets; note Coles Express and Costco are excluded from the offer.

That 10% cashback can make a real difference on weekly groceries and fuel, turning regular shopping into meaningful savings. Just keep an eye on what counts as eligible spend to ensure you meet the requirements without overspending.

Rates, fees and useful extras

Beyond the cashback, the Vertigo Card offers a low ongoing purchase rate of 13.99% p.a., which sits well below the standard market average and helps if you ever carry a balance. There’s also an introductory balance transfer rate of 6.99% p.a. for 12 months—handy for consolidating higher‑rate debt.

Other charges include a cash advance rate of about 21.49% p.a. and a 3% foreign currency conversion fee for overseas transactions. The card supports Apple Pay, Google Pay and Samsung Pay, making mobile payments simple and secure.

How to make the most of the card

To maximise the St.George Vertigo Card, channel routine grocery and petrol spend through the card during the first six months and plan to hit the $4,000 qualifying spend without buying things you don’t need. Adding a partner as a free additional cardholder is an easy way for families to consolidate eligible purchases and reach the cashback cap faster.

If you’ve got existing high-interest debt, consider the 6.99% p.a. balance transfer to cut interest costs, then pay it down during the promotional term. Keep monthly payments on time to preserve the interest-free period for purchases and avoid unnecessary interest charges.