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

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 a no annual fee plus 0% p.a. for 12 months on balance transfers. 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 rate0% p.a. for 12 months with 1% balance transfer fee
Balance transfer revert rate
The interest rate after the balance transfer ends.
Cash Advance Rate (20.49% p.a.)
Balance Transfer Limit80% of available credit limit
Purchase rate (p.a.)20.49% p.a.
Offer end date22 May 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.)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.
Max credit limit
This credit limit may not be issued to you immediately upon application. This is the maximum credit limit available on this card and you can apply for increases after the account has been opened.
Card TypeVisa
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
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)
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
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 is a high interest rate of 20.49% p.a. on purchases and cash advances.
  • A one-time 1% balance transfer fee applies.
  • 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.

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.
  • Balance transfer offer. Enjoy 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 20.49% p.a. at the end of the promotional period. Applications for the balance transfer offer are accepted until 22 May 2019.
  • 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

  • Annual fee. As mentioned, the card has an annual fee of $0 for life.
  • Cash advance and purchase rates. The variable 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.
  • 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

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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?

    • finder 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?


    • finder 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?

    • finder 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?

    • finder 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?

    • finder 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

    • finder 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

    • finder 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.

    • finder 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.

    • finder 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 February 23rd, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Qantas American Express Ultimate Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$450 p.a.
Receive 100,000 bonus Qantas Points, a $450 Qantas Travel Credit each year and 2 complimentary Qantas Club lounge invitations per year.
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 0% p.a. for 14 months balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
HSBC Platinum Credit Card
19.99% p.a.
0% p.a. for 22 months
$129 p.a.
0% p.a. for 22 months on balance transfers with no BT fee. Plus, a yearly annual fee refund when you spend $6,000 and 2 lounge passes per year.
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 p.a. annual fee for the first year ($395 p.a. thereafter)
Collect 90,000 bonus Qantas Points when you spend $4,000 within 60 days of account opening. Plus, a $295 annual fee in the first year.

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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