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

Save on your credit card costs with no annual fee for life and a 0% p.a. balance transfer offer.

The St.George No Annual Fee credit card is a simple Visa account that currently offers 0% p.a. on balance transfers for 12 months, with a 1% balance transfer fee.

This offer is available when you apply by 2 October 2019 and request the balance transfer at the time of your application. You can use the balance transfer to consolidate debt for up to 3 Australian credit cards, store cards or charge cards, as long as they are not issued by St.George, Bank of Melbourne or BankSA.

Product NameSt.George No Annual Fee
Balance transfer rate0% p.a. for 12 months with 1% balance transfer fee
Balance transfer revert rate
The interest rate that will apply to any remaining balance after the balance transfer term ends.
Cash Advance Rate (21.49% p.a.)
Balance Transfer Limit80% of available credit limit
Purchase rate (p.a.) 20.74% p.a.
Offer end date2 October 2019
Annual fee$0 p.a.
Interest Free Period
The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date.
Up to 55 days on purchases
Cash advance rate (p.a.)21.49% p.a.
Min credit limit
This is the lowest credit limit you can be granted. It is possible to request a higher credit limit but not a lower one than this figure.
Max credit limit
This is the maximum credit limit available on this card and you can apply for increases after the account has been opened. This credit limit may not be issued to you immediately upon application.
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Charged when you make a transaction that is converted by Visa 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
Minimum Age18 years of age
Available To Temporary ResidentsNo
Joint ApplicationYes
Annual fee$0 p.a.
Minimum Monthly Repayment2% or $10, whichever is greater
Late Payment Fee$15
Foreign Currency Conversion Fee (VISA)
Charged when you make a transaction that is converted by Visa 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
Cash Advance Fee2% of each cash advance amount (minimum of $2.50 capped at $150 per transaction)
Overseas Cash Advance Fee2% of each cash advance amount (minimum of $2.50 capped at $150 per transaction)
Gambling Transactions AllowedYes
Additional Cardholder Fee$0
Number of Additional Cardholders3


  • The annual fee for this card is $0.
  • Consolidate your balances at a rate of 0% p.a. for 12 months.
  • You can also get up to 3 additional cardholders at $0.


  • This card does not have any rewards program.
  • There are high interest rates of 20.74% p.a. on purchases and 21.49% p.a. on cash advances.
  • A one-time 1% balance transfer fee applies.

Card benefits

  • $0 p.a. annual fee for life. Not paying a yearly fee could help you save on the yearly account costs many other credit cards charge.
  • Balance transfer offer. If you apply for this card by 2 October 2019 and request a balance transfer at the time of your application, you can get an introductory balance transfer rate of 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.
  • Interest-free days. The St.George No Annual Fee offers up to 55 days interest-free 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.
  • 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 Verified by Visa program.
  • Visa benefits. Get access to entertainment and ticketing offers through Visa Entertainment and enjoy exclusive travel, shopping and lifestyle promotions through the Visa Offers webpage.

Rates, fees and other features

  • Additional cardholders. You can add up to 3 additional cardholders to the account with no additional cardholder fees.
  • Purchase rate. This card has 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 2% of each cash advance amount (minimum of $2.50 capped at $150 per transaction).
  • International transaction fee. A fee of 3% applies if you use this card overseas or online in a foreign currency.

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

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

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

  • Residency. You must be an Australian citizen or permanent resident.
  • Age. You must be at least 18 years old to apply.
  • New cardholder. The balance transfer offer is only available when you apply for the St.George No Annual Fee credit card as a new cardholder before 2 October 2019.

Documents and details to provide

  • 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.
  • Balance transfer details. If you want to take advantage of the balance transfer offer on this card, you need to provide details about the amount of debt you want to transfer and the account or accounts you want to transfer debt from. Note that you can only balance transfer debts from up to 3 non-St.George, Bank of Melbourne or BankSA credit cards, store cards or charge cards. A minimum balance transfer amount of $200 also applies.
  • 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.
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23 Responses

  1. Default Gravatar
    BALAMarch 16, 2017

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

    • Avatarfinder Customer Care
      LouMarch 16, 2017Staff

      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.


  2. Default Gravatar
    NeilDecember 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
      SallyDecember 14, 2015Staff

      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.



  3. Default Gravatar
    NadeemNovember 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
      JonathanNovember 20, 2015Staff

      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.



  4. Default Gravatar
    MarkOctober 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?

    • Avatarfinder Customer Care
      JonathanOctober 23, 2015Staff

      Hi Mark, thanks for your inquiry!

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



  5. Default Gravatar
    GraemeSeptember 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?

  6. Default Gravatar
    fredMay 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
      JonathanMay 13, 2015Staff

      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.



  7. Default Gravatar
    GilbertJune 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
      JacobJune 5, 2013Staff

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

  8. Default Gravatar
    BillApril 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
      JacobApril 27, 2013Staff

      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.

  9. Default Gravatar
    SamuelApril 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.

    • Avatarfinder Customer Care
      JacobApril 17, 2013Staff

      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.

  10. Default Gravatar
    SteveFebruary 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.

    • Avatarfinder Customer Care
      MarcFebruary 22, 2013Staff

      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.

Credit Cards Comparison

Rates last updated May 27th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
ME frank Credit Card
11.99% p.a.
$0 p.a.
Save money with an ongoing $0 annual fee, the same low 11.99% p.a. interest rate on purchases and cash advances, and up to 55 days interest free.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
0% p.a. for 18 months
$50 p.a.
Earn 20,000 bonus Velocity Points and save with an ongoing $50 p.a. annual fee. Plus, receive a $129 Virgin Australia Gift Voucher each year.
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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