St.George No Annual Fee Credit Card – Rates and Fees

Information verified correct on December 8th, 2016

Save on credit card costs with no annual fee and low offer on balance transfers with the St.George No Annual Fee Card.

If you’re after a no-frills credit card, the St.George No Annual Fee Credit Card could be for you. Cardholders can also make significant savings by taking advantage of the no annual fee plus 0% p.a. for 18 months on balance transfers and 1% for 12 months on purchases. With a low credit limit of $500 and no extravagant features on offer, this no annual fee card could be an option for both first-time cardholders who are testing the waters or experienced cardholders who want to consolidate their debts while keeping costs to an absolute minimum.

Product NameSt.George No Annual Fee
Balance transfer rate (p.a.)0% p.a. for 18 months
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Purchase Rate (20.49% p.a.)
Maximum Balance Transfer Amount$95
Purchase rate (p.a.)1% p.a. for 12 months (reverts to 20.49% p.a.)
Offer end date4 January 2017
Annual fee$0 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 55 days on purchases
Cash advance rate (p.a.)20.49% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$500
Max credit limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$40,000
Minimum Monthly Repayment2%
Card TypeVisa
Late Payment Fee$9
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Complimentary Travel InsuranceNo
Available To Temporary ResidentsNo
Joint ApplicationYes
Minimum Age18 years of age
Available to Temporary ResidentsNo
Credit Rating Requirement
Credit rating requirement is provided only as a guide. Understanding your credit file helps you make more informed decisions in regards to your finances. Learn more about what this means here.
Good
Min Credit Limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
$500
Max Credit Limit
This credit limit may not be issued to you immediately on application. This is the maximum credit limit for this card which must be applied for or offered to you after you are approved and have already opened the account.
$40,000
Annual Fee$0 p.a.
Minimum Repayment2%
Late Payment Fee$9
Over Limit Fee$0
Cash Advance Fee2% of the value of the transaction or minimum charge of $2.50
Overseas Emergency Replacement$52.50
Overseas ATM Balance check$0
Overseas ATM Withdrawal Fee$0
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Gambling Transactions AllowedYes
Gambling Transactions Interest RateCash Advance Rate
Additional Cardholder Fee$0 p.a.
Number of Additional Cardholders3
BPAYYes
ChequeYes
Direct DebitYes
Australia PostYes
Phone BankingYes
Internet Banking TransfersYes
In BranchYes
MailYes

Pros

  • The annual fee for this card is $0.
  • You can also get up to 3 additional cardholders at $0.
  • This card comes with a purchase offer of 1% p.a. for 12 months and balance transfer offer of 0% p.a. for 18 months.

Cons

  • This card does not have any rewards programs or benefits.
  • There is a very high interest rate on purchases and cash advances of 20.49% p.a. If you factor in the lack of an annual fee, however, this card balances out to be rather average in terms of rates and fees.

St.George No Annual Fee Credit Card review

The St.George No Annual Fee Credit Card is a low annual fee account with a low minimum credit card limit to match. Cardholders can also keep costs to a minimum with a 0% p.a. balance transfer offer for 18 months and 1% on purchases for 12 months. At the end of the promotional period, the purchase rate will revert to 20.49% p.a. This rate is higher than most low rate cards, so cardholders will need to confirm it is manageable once the intro period ends. If you’re after no annual fee card that can help you save on costs and consolidate debts, this could be an appropriate option for you. 

Benefits of using a St.George No Annual Fee Credit Card

Some of the advantages you can expect from using this card include:

    • $0 annual fee. The annual fee of $0 for the life of the card can lead to savings in the long term.
  • Purchase rate offer. Apply by 4 January 2017 and receive an introductory purchase offer of 1% p.a. for 12 months.
  • Balance transfer. 0% p.a. for 18 months. This will revert to the standard purchase rate of 20.49% p.a. at the end of the offer. Applications for the balance transfer offer are accepted until 4 January 2017.
  • Additional cardholders. You can even add up to 3 additional cardholders to the account for no additional fee.

Features of the St.George No Annual Fee Credit Card

  • Interest rates. While cardholders can take advantage of 0% p.a. on balance transfers which reverts to the purchase rate of 20.49% p.a., so you’ll need to confirm that these are manageable before applying.
  • Cash advance and purchase rates. The purchase rate and cash advance rate of interest are the same for this account. You’ll pay 20.49% p.a. when you use the card to make a purchase and when you use the card to withdraw cash from an ATM.
  • Visa benefits. As a Visa card, cardholders have access to Visa benefits such as peace of mind by the way of the no liability guarantee that protects cardholders against credit card fraud and convenience through contactless payments with PayWave.
  • Annual fee. As mentioned, the card has an annual fee of $0 for life.
  • Interest-free days. Aside from the promotional offers, the St.George No Annual Fee Credit Card also comes with up to 55 interest-free days.

How to apply for the St.George No Annual Fee Credit Card

If you would like to apply for the St.George No Annual Fee Credit Card, follow the links on this page. You’ll be directed to a secure St.George application page. You can confirm the terms of the offer on this page. The application should only take ten to fifteen minutes to complete. When you submit the application, you should be notified within minutes of completing the form. St.George will be in contact on the email you provided to confirm the status of our application: approved, conditionally approved or declined.

Eligibility criteria

If you would like to apply for the St.George No Annual Fee Credit Card, you must meet the following eligibility requirements:

  • Be a permanent Australian resident
  • Be over 18 years of age
  • Have a good credit rating
  • Be able to service the minimum credit limit of $500

Required documents

  • Existing credit card details
  • Personal details (driver's license)
  • Contact details
  • Employment details (weekly income after tax)
  • Financial details (details of assets, savings or investments)

Frequently asked questions

How much can I balance transfer?

St.George only accept balance transfers of up to 95% of your new card. There is also a minimum of $200 and balance transfers from existing St.George accounts are prohibited.

Can my partner and I use the St.George No Annual Fee Card under a joint account?

Yes, it is possible to have a joint credit card on one account with St.George. Up to 3 additional cardholders can be added to one account at no additional cost. The online application form will present two options: 1) Joint application. This will take into account the combined incomes and credit worthiness of both applicants when applying. If approved two credit cards will be received for the one account. 2) Single Application. This will take into account only one person’s income and credit worthiness when applying. In order to have two credit cards on one account, an additional cardholder can be added at no additional cost.

Can I manage my account (such as view my transaction history and balance) online?

Yes, St.George provide an internet service that allows cardholders to view their account history and complete online payments and transfers. Registering for St.George Internet Banking can be activated via the St.George website and should only take a few minutes to complete.

I already have an account with St.George but am looking to switch. Am I still eligible for the promotional balance transfer and purchase offer?

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 ideal to contact St.George directly with your account details to clarify whether the annual fee is still waived.
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21 Responses to St.George No Annual Fee Credit Card – Rates and Fees

  1. 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,

    • Staff
      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

  2. 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?

    • Staff
      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

  3. 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

    • Staff
      Jonathan | October 23, 2015

      Hi Mark, thanks for your inquiry!

      Balance transferring a personal loan amount to a credit card is permitted by Citibank and Virgin Money.

      Cheers,

      Jonathan

  4. 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?

  5. 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?

    • Staff
      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

  6. 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

    • Staff
      Jacob | June 5, 2013

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

  7. 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

    • Staff
      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.

  8. Default Gravatar
    Samuel | April 17, 2013

    I am an American that is a Permanent Resident of Australia. I am Married to an Australian. I get 1,437 Dollars U.S.A. from my Retirement. My wife makes 42.000 AUD and I plan to work part time. I just want a credit card for emergencies and small stuff. Between 500 AUD and 100 AUD would do. Is it possible with this bank and I picked this bank for a special reason.

    • Staff
      Jacob | April 17, 2013

      Hi Samuel. Thanks for your question. So, you will need to have money coming into an Australian bank account so the bank can verify that you’re earning an income. St.George bank do allow joint primary cardholder credit cards, so you may be able to apply jointly with your wife if your income is going to be an issue. Perhaps once you’re working part time, you may be eligible for this card. Please see the table at the bottom of the review and application page for the minimum credit limit for this card. Jacob.

  9. Default Gravatar
    Steve | February 22, 2013

    If I apply for a card and request a balance transfer, will that also effect a closure of the account from which the balance transfer occurs? That is what I would want to happen.

    • Staff
      Marc | February 22, 2013

      Hi Steve,

      Thanks for your question.

      A balance transfer will not automatically close the account from where the balance is transferred from. If this is required, cardholders must be request their existing card account be closed, and it’s also their responsibility to transfer or redeem any rewards points from these accounts, as these can be lost when closing a credit card account off.

      I hope this answers your question.
      Marc.

  10. Default Gravatar
    John | January 2, 2013

    Hello, can my wife and I have a joint credit card, i.e a card each on the one account?

    • Staff
      Marc | January 3, 2013

      Hi John

      Happy New Year! Thank you for your question.

      Yes, it is possible to have a joint credit card on one account with St.George. Up to three additional cardholders can be added to one account at no additional cost.

      The online application form will present two options:

      1) Joint application. This will take into account the combined incomes and credit worthiness of both applicants when applying. If approved two credit cards will be received for the one account.

      2) Single Application. This will take into account only one person’s income and credit worthiness when applying. In order to have two credit cards on one account, an additional cardholder can be added at no additional cost.

      Please let us know if you have any further questions

      Thank you again,

      Marc

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