
Get exclusive money-saving offers and guides
Straight to your inbox
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.
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
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
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 |
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 |
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.
September 25, 2019
Does St George send a monthly statement in the mail for this card ?
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
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?
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
March 16, 2017
Hi,
What is the max balance transfer I can do on this card. Is there any limit?
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
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,
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
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?
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