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Summary

Let's recap on your choice of a Rainbow Vertigo card – before you start your application

The important numbers

Ongoing annual card fee $55
Variable purchase rate 13.99% p.a.
Variable cash advance rate 21.99% p.a. 
Minimum credit limit $500

New cards only.

0% p.a. interest on balance transfers for 24 months##

1% balance transfer fee applies. This 0% p.a. offer relates to balance transfers requested at card application. The variable cash advance rate will apply after the promotional period.

New cards only.

 

What you'll get

  • A lower interest rate on purchases than our No Annual Fee and Rewards cards

  • A lower annual card fee than our Rewards cards

  • Up to 55 days interest-free on purchases¹


     

Considerations

  • A higher annual card fee than our No Annual Fee card

  • No rewards points or complimentary insurances

Before continuing

A final check that this is the right credit option for you. Credit cards are a secure payment method for short-term borrowing needs such as everyday purchases or unplanned expenses, with some cards offering additional features like rewards. However, there are instances where it might be worth considering another form of credit:

  • You have a longer-term or specific borrowing need, like a car or home renovations. In this case, view our Personal loans
  • You want a repayment schedule with fixed repayments and a defined loan end-date. In this case, view our Personal loans
Important information

Key Facts Sheet

Credit Card Terms and Conditions (PDF 1008KB)

Credit Card Accounts Fees and Charges (PDF 1MB)

Conditions, fees and credit criteria apply. Standard rates and fees applicable for new cards. May not apply for existing credit card accounts. 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 This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.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 limited edition card design is only available when you apply for a new Rainbow Vertigo card from 28th February 2024 and 30th April 2025.

##Vertigo Balance Transfer Promotion: The promotional balance transfer rate is available when you apply and are approved for a new Vertigo credit card between 31st October 2024 and 30th April 2025, and request at card application to transfer balance(s) from up to 3 non-St.George, Bank of Melbourne and BankSA Australian issued credit or store cards. Your current credit card issuer must accept BPAY payments to be eligible, you can check your credit card statement for payment options. 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 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.

1 55 Days Interest Free: Receive up to 55 days interest free on your purchases if your Monthly Payment Balance is paid in full by the due date shown each month. This amount is calculated as the main account balance minus the balance transfer amount plus any Plan&Pay instalments for this month. If you do not have any Plan&Pay instalments or a balance transfer, the Monthly Payment Balance will be the same as the Closing Balance.