Apply for Vertigo Credit Card – Smart. Flexible. Rewarding.

If you’re looking for a low-interest credit card that doesn’t skimp on flexibility, the Vertigo Credit Card could be an ideal fit. 

Designed for budget-conscious cardholders, the Vertigo card focuses on helping you save on interest while still offering the convenience and security of Visa.

This guide explains everything you need to know, from benefits and fees to interest rates and how to apply using a simple online process.

What Is the Vertigo Credit Card?

The Vertigo Credit Card is a low-rate Visa card offered through the Westpac Group’s regional brands 

This includes BankSA, St.George, and Bank of Melbourne. 

While it doesn’t offer reward points or luxury perks, its value lies in its consistently low purchase interest rate, low annual fee, and balance transfer offers.

With its affordability, it’s one of the most practical cards in Australia for those who want to minimise interest charges and manage repayments more easily.

Brand Differences

Although the credit card terms remain consistent across all three, each bank may vary slightly in promotional campaigns, customer service tone, and mobile app design. 

• St.George is primarily active in New South Wales and has a broader national footprint compared to the others.
• BankSA, as the name suggests, is closely tied to South Australia, serving as the state’s longest-standing financial institution, and is often the preferred choice for customers living in that region.
• Bank of Melbourne caters specifically to Victoria, offering localized services and branding that appeal to Melbourne residents.

For existing clients, applying through their home bank may provide quicker processing, especially if linked to existing accounts

Key Features and Benefits

One of the main highlights is the low ongoing purchase interest rate, which helps you save more compared to other standard credit cards.

Promotional offers often include 0% interest on balance transfers for a set period, allowing you to pay off other credit card debts without accumulating extra interest.

With Visa Zero Liability, your card is protected from unauthorised transactions, and 24/7 fraud monitoring adds extra peace of mind.

Easily tap and go using Visa PayWave or your mobile wallet (Apple Pay, Google Pay, or Samsung Pay).

How to Apply Online

Before applying, make sure you are a permanent Australian resident, have a regular source of income, and are not bankrupt or insolvent.

Applying for the Vertigo Credit Card can be done quickly and securely via the respective bank’s website. Here’s how:

1. Go to the Website: Visit the credit card section of BankSA, St.George, or Bank of Melbourne.
2. Log In or Apply as a Guest: Existing clients can log in for a faster experience (using your Card or Customer Access Number, Security Number, and Password); new users can proceed manually.
3. Answer Initial Questions: You’ll be asked a few important eligibility questions: “Have you received a regular income in the last 3 months?” “Do you have at least $100 remaining each month after covering your expenses?” “Have you paid all your bills and loans on time in the last 12 months?”
4. Fill in the Form: Complete your personal, financial, and employment details.
5. Upload Documents: Submit your identity and income verification documents if prompted. Proof of identity (driver’s licence, passport), Employment details (employer’s name, position, and contact), Income information (payslips or bank statements), Current expenses and debts (existing loans, rent, bills). The bank will assess your ability to meet repayments based on this financial information.
6. Submit Application: Review the terms and conditions, then submit your application.
7. Get a Response: You’ll usually receive an initial response within 60 seconds. If approved, the card is mailed to you in a few business days.

What Happens After You Apply?

Once you submit your application, if more documents or verification are needed, a representative will contact you.

Once received, activate your card via the bank's app or website.

Use your card for purchases, balance transfers, or online shopping right away.

Interest Rates and Fees

It’s important to know the current interest charges and fees before applying. Below are the typical rates as of 2025 (subject to updates):

Note: These figures may vary slightly between BankSA, St.George, and Bank of Melbourne-branded versions of the card. Check the issuing bank’s website for exact details.

Bank Contact and Address 

You can reach out to the bank offering your Vertigo card through the following channels:

St.George Bank

• Phone: 13 33 30 (within Australia)
• Address: 4–16 Montgomery Street, Kogarah NSW 2217, Australia

BankSA

• Phone: 13 13 76
• Address: 97 King William Street, Adelaide SA 5000, Australia

Bank of Melbourne

• Phone: 13 22 66
• Address: 525 Collins Street, Melbourne VIC 3000, Australia

All brands are part of the Westpac Group, and their credit cards share the same platform and core services.

Is It Right for You?

The Vertigo Credit Card is an excellent choice if you:

• Want a lower interest rate to avoid large repayments over time
• Need to consolidate high-interest debt using a balance transfer
• Prefer a simple card with no rewards clutter, just financial control
• Are you looking for a low-maintenance option with strong security and support

However, if you’re looking to earn travel rewards, cashback, or airline points, you may want to explore other cards tailored for those purposes.

Conclusion

The Vertigo Credit Card is a smart, flexible, and rewarding tool for anyone who wants to stay in control of their spending without being overwhelmed by interest. 

With low rates, a simple application process, and transparent fees, it offers peace of mind and practical benefits for everyday use.

Start your application today through the official website of BankSA, St.George, or Bank of Melbourne, and take the next step toward better financial management.

Disclaimer: The information provided in this article is current as of May 2025 and is intended for general informational purposes only. Always refer to the official bank website for the most accurate, up-to-date details and terms before applying.