St. George Bank
Rainbow Vertigo Card
An everyday card with a low rate on purchases, and a low monthly card fee.
Credit cardsBank updated 26 Aug 2026
At a glance
- Purchase rate
- 13.99%
- Cash advance
- 21.99%
- Interest-free days
- 55
- Foreign transaction fee
- 3.00%
- Rewards
- St. George Lounge on ShopBack
- Balance transfer
- 0.00%
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Balance transfer0% p.a. interest on balance transfers for 20 months. 3% balance transfer fee applies. This 0% p.a. offer relates to balance transfers requested at card application. The variable cash advance rate wil… | — | — | — | 0.00% | — | New customer |
| Cash advanceInterest on cash advances | — | — | — | 21.99% | — | No Interest Free days |
| PurchaseInterest on purchases | — | — | — | 13.99% | — | Interest Free Days may apply |
§ 02 — Fees · 9
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Cash Advance Fee | Cash advance | 3.50% of transaction | — | — |
| Balance Transfer Fee | Event | 3.00% of balance | — | — |
| Copy of a deposit or withdrawal form | Event | $15 | — | — |
| Copy of a sales voucher | Event | $10.50 | — | — |
| Overlimit Fee | Event | No fee | — | $15.00 once per statement period if your credit card account was opened before 4 June 2012. No overlimit fee will be charged for personal credit card accounts opened on or after 4 June 2012. |
| Missed Payment Fee | Late payment | $20 | — | — |
| Monthly Card Fee | Periodic | $7 | Every 1 mo | — |
| Card Replacement Fee | Replacement | No fee | — | Courier costs may apply |
| Foreign Transaction Fee | Transaction | 3.00% of transaction | — | 3% of the Australian dollar value for transactions with merchants based overseas |
§ 03 — Features
Extra repaymentsDigital bankingFraud protectionBalance transfers55 interest-free days1 additional cardsApple PayGoogle PaySamsung PaySt. George Lounge on ShopBack
- · Digital Card - Boost your card security by using the dynamic CVV. Access your card details anytime, anywhere. Be assured that you will have uninterrupted access to your funds even if your card is los…
- · Feel confident using our cards, with 24/7 fraud monitoring, Secure Online Shopping Service, and the St George Fraud Money Back Guarantee.
- · You can use your Card to make a Purchase or a Cash Advance or carry out a Balance Transfer from another Credit Card. You can use your Card in many places in Australia and around the world. Look for t…
- · Recurring payments - You may authorise a Merchant to charge recurring payments to your Card automatically without requesting your authorisation on each occasion
- · Confirming and authorising transactions : There are a number of ways you may be able to confirm a transaction. These include: signing your name. Holding your Card in front of a contactless payment de…
- · Gambling blocks : If you wish to limit access to gambling services through the Card Account, please call us or log into your online banking and activate gambling block in the Card Services menu.
- · Statements : We will issue a statement for the Card Account to you every month unless the account has a balance of $10 or less and there has been no account activity in that month. You can choose to…
- · Plan&Pay is a repayment plan for your credit card. It splits your credit card repayments into smaller bite-sized instalments.
- · Visa payWave contactless payments for transactions under $200
- · Access to My Offers Hub : My Offers Hub is a collection of offers and discounts available to eligible debit or credit cardholders to thank you for being our customer.
- · Autopay facility is available. With Autopay, you can choose to pay off your Minimum Payment Due or your full closing balance each month.
- · Customers can access their eligible St. George cards and Apple?s ID&V security features within Apple Wallet. T&Cs apply.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Be an Australian or New Zealand citizen or be an Australian permanent resident or hold a valid temporary residence visa with a minimum of 1 year before expiry
- · Amount $500 to $80,000
- · Have a regular, verifiable Australian taxable income for at least 3 months (18 months for self employed)
- · You?re up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)
- · Have a fixed residential address in Australia
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by St.George Bank under the Consumer Data Right, last changed by them on 26 Aug 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.