St.George No Annual Fee

Name: St.George No Annual Fee
Rating: 1.0

Save on your credit card costs with 0% p.a. on purchases for 12 months and no annual fee for life.

The St.George No Annual Fee credit card is a simple Visa account that currently offers 0% p.a. on purchases for 12 months when you apply by 31 December 2022. It also offers contactless payments and can be added to Apple Pay, Google Pay or Samsung Pay.

1.0 ★★★★★ (1 review) Write a review

Amy Bradney-George

Last Updated Mar 3, 2021

0% p.a.

Purchase rate

for the first 12 months (reverts to 20.74% p.a.)

$0 p.a.

Annual fee

55 days

Interest free period

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Details

Product Name	St.George No Annual Fee
Balance transfer revert rate	Cash Advance Rate (21.49% p.a.)
Purchase rate p.a.	0% for 12 months, reverts to 20.74%
Annual fee	$0
Interest-free period	Up to 55 days on purchases
Cash advance rate	21.49% p.a.
Min credit limit	$500
Max credit limit	$40,000
Card type	Visa
Foreign currency conversion fee	3%

Available to temporary residents	Yes - Conditions apply
Joint application	No

Pros

$0 annual fee
0% p.a. on purchases for the first 12 months
Up to 3 additional cardholders at $0

Cons

Reverts to a relatively high 20.74% p.a. purchase interest rate after the introductory period
No rewards program
High interest rate of 21.49% p.a. on cash advances

Bonus points	N/A

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%
Overseas cash advance fee	2%
Additional cardholder fee	$0
Number of additional cardholders	3

Go to St.George Bank's site More info

Review by

Amy Bradney-George

amy.bradney-george@finder.com

Amy has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. She is also the editorial lead for Finder Green, covering sustainability across different industries. Her work has appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy also has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The St.George No Annual Fee credit card combines its $0 annual fee with a 0% purchase rate offer. This gives you a way to make purchases interest-free for the first year. But after that, a variable purchase rate of 20.74% p.a. applies – which is actually higher than the standard average credit card interest rate in Australian (currently 19.94% p.a.). So if you plan to use this card for shopping or emergencies, be aware that interest could quickly add up if you carry a balance after the 12-month introductory period. You can avoid these charges with up to 55 days interest-free on purchases available if you pay the monthly payment balance by the due date on each statement.

The $0 annual fee can also help you keep your credit card costs in check. Beyond that, this card also offers contactless and mobile payment options, 24/7 security services and deals on shopping, dining and entertainment through Visa Offers + Perks. These are all pretty common features on other cards, making the St.George No Annual Fee a competitive choice if you want a no-frills card.

How to apply

You can apply for the St.George No Annual Fee credit card online in around 10 minutes. Before you apply, check that you meet the following eligibility requirements and have all the documents and details you'll need to fill out the application form.

Eligibility criteria

Residency. To apply online, you must be an Australian citizen or permanent resident.
Age. You must be at least 18 years old to apply.

New cardholder. The purchase rate offer is only available when you apply for the St.George No Annual Fee credit card as a new cardholder before 31 December 2022.

Required documents

Personal details. This covers your full name, email address, residential address date of birth, marital status, number of dependents and contact number. You also need to provide a valid form of ID, such as your driver's licence number.
Employment details. This includes your salary, current job title, length of employment and your employer's contact details. You may also be asked for supporting documentation, such as recent payslips, bank statements or tax assessment notices.

Financial details. This covers any other forms of income, such as pensions or government payments, as well as savings and any other assets. You also need to share details of your existing debts, loans and credit card accounts, and will be asked to estimate your share of regular household expenses.

Go to St.George's site More info

Card benefits

$0 annual fee for life. Not paying a yearly fee could help you save on the yearly account costs many other credit cards charge.
0% purchase offer. If you apply for this card by 31 December 2022, you can get an introductory purchase rate of 0% p.a. for the first 12 months. This will revert to the variable purchase rate of 20.74% p.a. at the end of the promotional period.

Interest-free days. You will receive up to 55 days interest-free on new purchases when you pay your monthly payment balance listed on your statement in full by the payment due date. Note that these interest-free days are separate from any longer-term interest rate promotions and the monthly payment balance excludes current balance transfers.
Security features. Get peace of mind with 24/7 fraud monitoring and zero liability for unauthorised transactions. You can also add a layer of security to online purchases through the Visa Secure program.
Visa benefits. Get access to entertainment, travel, shopping and lifestyle promotions through Visa Offers + Perks.
Mobile payments. Make contactless payments with your eligible Apple, Android or Samsung device by adding this card to your Apple Pay, Google Pay or Samsung Pay wallet .

Rates & fees

Additional cardholders. You can add up to 3 additional cardholders to the account with no additional cardholder fees.
Purchase rate. Outside of any promotions, this card charges a variable purchase rate of 20.74% p.a.

Cash advance rate. This card has a variable interest rate of 21.49% p.a. for cash advance transactions, such as ATM withdrawals. This rate applies from the date you make the transaction and won't be eligible for interest-free days. You'll also pay a cash advance fee worth 3% of each cash advance amount.
International transaction fee. A fee of 3% applies if you use this card overseas or online in a foreign currency.

Go to St.George's site More info

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27 Comments

Ian
September 25, 2019

Does St George send a monthly statement in the mail for this card ?

Reply
- Nikki
  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
  
  Reply
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?

Reply
- Nikki
  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
  
  Reply
BALA
March 16, 2017

Hi,
What is the max balance transfer I can do on this card. Is there any limit?

Reply
- finder Customer Care
  
  Dee
  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
  
  Reply
Neil
December 13, 2015

Hi,
I am about to apply the “St.George No Annual Fee” Credit card.

Just would like to know that I am Permanent Resident Of Australia however I haven’t got My Driving Licence.

Am I eligible to get that application to be approved or not?

Thanks,

Reply
- finder Customer Care
  
  Sally
  December 14, 2015
  
  Hi Neil,
  
  Thanks for your question.
  
  If you don’t have a driver’s licence, you may be asked to provide another form of identification such as your birth certificate. You may wish to contact the St.George customer service team on 13 33 30 to determine what’s the next best option.
  
  I hope this has helped.
  
  Cheers,
  
  Sally
  
  Reply
Nadeem
November 17, 2015

Hi
I am a postgraduate student and doing PhD in University of Queensland. I am on university scholarship and earning $ 1000/fortnight from the university. In addition, I am also doing some part time job and getting some financial assistance from Center link.
I am interested in your card for any emergency as It is life time free card without any charge.
If I activate and don’t use for a year or more, Will I bear any expense of keeping this card?

Reply
- finder Customer Care
  
  Jonathan
  November 20, 2015
  
  Hi Nadeem, thanks for your inquiry!
  
  The St.George No Annual Fee credit card offers no annual fee for the life of the card. If no usage occurs on the card then there are no expenses in keeping this card active.
  
  Cheers,
  
  Jonathan
  
  Reply

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