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Applications for the St.George No Annual Fee credit card will no longer be accepted
from 20 March 2026.
from 20 March 2026.
St.George No Annual Fee Credit Card – Review
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- Purchase rate
- 20.99% p.a.
- Annual fee
- $0 p.a.
- Interest-free on purchases
- Up to 55 days
Our verdict
A simple credit card that offers ongoing $0 annual fee, with a 20.99% p.a. purchase rate.
Pros
-
$0 annual fee
-
Up to 3 additional cardholders at $0 p.a.
-
Shopping cashbacks through ShopBack
Cons
-
Relatively high 20.99% p.a. purchase interest rate
-
No rewards program
-
High interest rate of 21.99% p.a. on cash advances
Details
Product details
| Product Name | St.George No Annual Fee |
| Purchase rate p.a. | Purchase rate p.a.20.99% |
| Interest-free days | Up to 55 days on purchases |
| Cash advance rate p.a. | 21.99% |
| Min credit limit | $500 |
| Max credit limit | $40,000 |
| Card type | Visa |
Eligibility
| Available to temporary residents | Yes - Conditions apply |
| Joint application | No |
Rewards
| Bonus points | N/A |
| Rewards points cap | N/A |
Fees
| Annual fee | $0 |
| Minimum monthly repayment | 2% of the closing balance or $10, whichever is greater |
| Late payment fee | $15 |
| Foreign currency conversion fee | 3% |
| Cash advance fee | 3% of each cash advance amount |
| Overseas cash advance fee | 3% of each cash advance amount |
| Additional cardholder fee | $0 |
| Number of additional cardholders | 3 |
Sources
Your reviews
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Amy Finder
Journalist
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Sarah Megginson Finder
July 03, 2023
Hi Hilton,
No this card doesn’t come with travel insurance.
You can compare options for credit cards with insurance here:
https://www.finder.com.au/what-is-the-best-credit-card-complimentary-travel-insurance
Hope this helps!
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Christopher
April 07, 2023
Can you make a cash transfer to your mortgage and still pay no interest.
Does the 0% interest get reset every year when the debt goes back to zero.
Amy Bradney-George Finder
April 13, 2023
Hi Christopher,
The current 0% purchase rate offer is only available for purchases made with the card in the first 12 months. This means a cash transfer or withdrawal would be considered a cash advance transaction and attract interest straight away.
After the first 12 months (when the introductory period ends), the variable purchase rate would apply to any purchase balance on the account. But you could get interest-free days on purchases if you paid the total monthly payment balance listed on each statement by the due date. I hope that helps.
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Ian
September 25, 2019
Does St George send a monthly statement in the mail for this card ?
Nikki Angco
September 26, 2019
Hi Ian,
Thanks for getting in touch! St. George sends monthly paper statements but if you are looking to change the way you view your bill, you may do so by:
#1 logging in to your St. George website,
#2 Select Manage my accounts from the left hand navigation menu.
#3 Select Manage eStatements.
#4 Change your statement preference to eStatement.
#5.Click Agree.
Note that you can also view your bill on the St. George App. You can also contact St. George via their Customer Service line or visit a branch whichever is most convenient for you, to help you get started on changing this option.
Hope this helps!
Best,
Nikki
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Brett
July 10, 2019
I just want to confirm, this is a $0 sign up fee and no annual fee for the life of the card? Also, it is a 55-day interest-free period? Meaning, I wont get charged interest on any purchase made up to 55 days?
Nikki Angco
July 10, 2019
Hi Brett,
Thanks for leaving a question on our page.
The St. George Credit Card has:
1. 0% p.a. for the first 12 months, with a one-time 1% balance transfer fee. This will revert to the variable cash advance rate of 21.49% p.a. at the end of the promotional period.
2. No annual fee for the life of the card
3. The 55-day interest-free period is activated (on purchases) when you pay the closing balance in full by the due date on each statement. If you have a balance transfer debt or if you don’t pay the total owed on a statement, you won’t be eligible for interest-free days. Interest-free days also don’t apply to cash advances.
Hope this helps! For any further questions, feel free to reach out to us again, we’re here to help.
Cheers,
Nikki
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BALA
March 16, 2017
Hi,
What is the max balance transfer I can do on this card. Is there any limit?
Anndy Lou Finder
March 16, 2017
Hi Bala,
Thanks for your question.
For this card, the maximum amount that you can balance transfer depends on your approved credit limit. You are allowed to transfer up to 95% of your available credit limit.
Cheers,
Anndy
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Hilton
July 01, 2023
with this credit card, does it come with travel insurance? that you can turn on for your trip?