St.George No Annual Fee
Save on your credit card costs with no annual fee for life and a 0% 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.
0% p.a.
Balance transfer rate
for 12 months with 1% balance transfer fee
20.74% p.a.
Purchase rate
$0 p.a.
Annual fee
55 days
Interest free period
Details
| Product Name | St.George No Annual Fee |
|---|---|
| Balance transfer rate | 0% p.a. for 12 months with 1% balance transfer fee |
| Balance Transfer Revert Rate | Cash Advance Rate (21.49% p.a.) |
| Balance Transfer Limit | 80% of available balance |
| Purchase rate (p.a.) | 20.74% p.a. |
| Annual fee | $0 p.a. |
| Interest free period | 55 days |
| Cash advance rate (p.a.) | 21.49% p.a. |
| Min credit limit | $500 |
| Max credit limit | $40,000 |
| Card type | Visa |
| Foreign currency conversion fee (Visa/Mastercard) | 3% |
| Complimentary travel insurance | No |
| Minimum age | 18 years of age |
|---|---|
| Available to temporary residents | Yes - Conditions apply |
| Joint application | Yes - Conditions apply |
Pros
- $0 annual fee
- 0% p.a. on balance transfers for the first 12 months
- Up to 3 additional cardholders at $0
Cons
- No rewards program
- 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
| Annual fee | $0 p.a. |
|---|---|
| Minimum monthly repayment | 2% of the closing balance or $10, whichever is greater |
| Late payment fee | $15 |
| Foreign currency conversion fee (Visa/Mastercard) | 3% |
| Cash Advance Fee | 2% or $2.50, whichever is greater |
| Overseas cash advance fee | 2% of the value of the transaction or minimum charge of $2.50 |
| Additional cardholder fee | $0 |
| Number of Additional Cardholders | 3 |
Expert review
Review by
Amy Bradney-George
amy.bradney-george@finder.comAmy Bradney-George is the acting editor for Finder X and a senior writer for credit cards and Finder Green. She has more than 13 years' experience as a journalist and writer, with bylines in publications including The Equity Magazine, The Sydney Morning Herald, ABC News and produce industry website FreshPlaza. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University, and when she’s not putting (virtual) pen to paper, she spends her time as an actress.
