St.George No Annual Fee card review | Finder

St.George No Annual Fee

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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 28 September 2021. 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

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Details

Product NameSt.George No Annual Fee
Purchase rate0% p.a. for 12 months, reverts to 20.74% p.a.
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 applicationYes - Conditions apply

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 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 fee2% or $2.50, whichever is greater
Overseas cash advance fee2% of the value of the transaction or minimum charge of $2.50
Additional cardholder fee$0
Number of additional cardholders3

Expert review

Avatar

Review by


Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy 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 28 September 2021, 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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27 Comments

    Default Gravatar
    Ian
    September 25, 2019

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

      Default Gravatar
      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

    Default Gravatar
    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?

      Default Gravatar
      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

    Default Gravatar
    BALA
    March 16, 2017

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

      Avatarfinder 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

    Default Gravatar
    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,

      Avatarfinder 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

    Default Gravatar
    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?

      Avatarfinder 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

    Default Gravatar
    Mark
    October 21, 2015

    I am looking at doing a balance transfer of my credit card, would I be able to add a bit of my loan into the balance transfer?
    thanks

      Avatarfinder Customer Care
      Jonathan
      October 23, 2015

      Hi Mark,

      Thanks for your inquiry!

      While balance transferring a personal loan amount to a credit card is not available with the St. George credit card, you may find some providers that let you balance transfer a personal loan to a credit card.

      You can select the “Go to Site” button of your preferred credit card to proceed with your application. A gentle reminder, please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you apply.

      Cheers,
      Jonathan

    Default Gravatar
    Graeme
    September 23, 2015

    Details above say: “The annual fee of $0 p.a. for the life of the card can lead to significant savings in the long-term.”

    With no interest free period, as soon as you use it, the interest starts getting added on. So the only way to save money is to never use it, right? Is “significant” savings perhaps overselling this a bit?

    Default Gravatar
    fred
    May 12, 2015

    We are gold st george members and have a joint amplify card. Can I apply for my own amplify card? Are the annual fees still waived?

      Avatarfinder Customer Care
      Jonathan
      May 13, 2015

      Hi Fred, thanks for your inquiry!

      It is important to note the promotional rate on this card is only available to new cardholders. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. It would be best to contact St.George directly with your account details to clarify whether the annual fee is still waived.

      Cheers,

      Jonathan

    Default Gravatar
    Gilbert
    June 5, 2013

    On part of the web site it stipulates no fee ever and on this page it states
    no fee for the first year and $55.00 after that. which is it. Gil

      Avatarfinder Customer Care
      Jacob
      June 5, 2013

      Hi Gil. Thanks for your question. The rates and fees listed on this page are correct. Jacob.

    Default Gravatar
    Bill
    April 27, 2013

    – will the second card for my spouse have the same credit number, or different?

    – is online checking of balances/statements available?

    – is a security token used?

    – we currently have Citibank cards with a $7000 max, can this be brought over? (The cards are paid off in full each month & we have had them for 15 years.)

    thank you

      Avatarfinder Customer Care
      Jacob
      April 27, 2013

      Hi Bill. Thanks for your question.
      1) additional cards have their own number and the person’s name printed on the front.
      2) you can manage your account online – St.George also have APPS for tablets and mobile devices. It’s easy to make payments and check your transactions this way.
      3) St.George use an additional layer of security provided by Visa when making purchases online.
      4) This card does not currently offer a balance transfer promotion – please compare balance transfer credit cards here. If your existing cards have been paid off in full, there’s no need to transfer a balance – for more information about balance transfers, please watch this video.
      Let me know if there’s anything else you need.
      Jacob.

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