In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert
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St.George No Annual Fee Credit Card – Review

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St.George No Annual Fee
Terms and conditions apply
Purchase rate
20.74% p.a.
Annual fee
$0 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

A simple credit card that offers ongoing $0 annual fee, with a 20.74% p.a. purchase rate.

The St.George No Annual Fee Credit Card combines its $0 annual fee with a variable purchase rate of 20.74% p.a., which is at the higher end of the scale for credit cards in Australia.


  • $0 annual fee
  • Up to 3 additional cardholders at $0 p.a.
  • Compatible with Apple Pay, Samsung Pay and Google Pay


  • Relatively high 20.74% p.a. purchase interest rate
  • No rewards program
  • High interest rate of 21.49% p.a. on cash advances

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert

The St.George No Annual Fee Credit Card is a simple Visa account that currently offers contactless payments and can be added to Apple Pay, Google Pay or Samsung Pay.


Product details

Product Name St.George No Annual Fee
Purchase rate p.a. 20.74%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 21.49%
Min credit limit $500
Max credit limit $40,000
Card type Visa


Available to temporary residents Yes - Conditions apply
Joint application No


Bonus points N/A


Annual fee $0
Minimum monthly repayment 2% of the closing balance or $10, whichever is greater
Late payment fee $15
Foreign currency conversion fee 3%
Cash advance fee 3%
Overseas cash advance fee 3% of each cash advance amount
Additional cardholder fee $0
Number of additional cardholders 3

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.
  • Interest-free days. You will receive up to 55 days interest-free on new purchases when you pay your monthly payment balance listed on your statement in full by the payment due date. Note that these interest-free days are separate from any longer-term interest rate promotions and the monthly payment balance excludes current balance transfers.

Rates & fees

  • Additional cardholders. You can add up to 3 additional cardholders to the account with no additional cardholder fees.
  • Purchase rate. This card charges a variable purchase rate of 20.74% p.a.

Your reviews

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July 01, 2023

with this credit card, does it come with travel insurance? that you can turn on for your trip?


Sarah Megginson Finder

July 03, 2023

Hi Hilton,

No this card doesn’t come with travel insurance.

You can compare options for credit cards with insurance here:

Hope this helps!

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April 07, 2023

Can you make a cash transfer to your mortgage and still pay no interest.

Does the 0% interest get reset every year when the debt goes back to zero.


Amy Bradney-George Finder

April 13, 2023

Hi Christopher,

The current 0% purchase rate offer is only available for purchases made with the card in the first 12 months. This means a cash transfer or withdrawal would be considered a cash advance transaction and attract interest straight away.

After the first 12 months (when the introductory period ends), the variable purchase rate would apply to any purchase balance on the account. But you could get interest-free days on purchases if you paid the total monthly payment balance listed on each statement by the due date. I hope that helps.

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September 25, 2019

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


Nikki Angco

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!



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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?


Nikki Angco

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.



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March 16, 2017


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


Anndy Lou Finder

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.



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