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St.George No Annual Fee

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

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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Product NameSt.George No Annual Fee
Balance transfer revert rateCash Advance Rate (21.49% p.a.)
Purchase rate p.a.0% for 12 months, reverts to 20.74%
Annual fee$0
Interest-free periodUp to 55 days on purchases
Cash advance rate21.49% p.a.
Min credit limit$500
Max credit limit$40,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsYes - Conditions apply
Joint applicationNo


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


  • 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 pointsN/A
Annual fee$0
Minimum monthly repayment2% of the closing balance or $10, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%
Cash advance fee3%
Overseas cash advance fee2%
Additional cardholder fee$0
Number of additional cardholders3

Review by

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.

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.

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.

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.

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  1. Default Gravatar
    September 25, 2019

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

    • Default Gravatar
      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!


  2. Default Gravatar
    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?

    • Default Gravatar
      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.


  3. Default Gravatar
    March 16, 2017

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

    • Avatarfinder Customer Care
      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.


  4. Default Gravatar
    December 13, 2015

    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?


    • Avatarfinder Customer Care
      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.



  5. Default Gravatar
    November 17, 2015

    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?

    • Avatarfinder Customer Care
      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.



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