- Pay no annual fee
- Up to 55 days interest free on purchases
- $500 minimum credit card limit
- Add up to 3 additional card holders at no extra cost
- Eligible with Apple Pay, Google Pay and Samsung Pay
- 24/7 fraud monitoring
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St.George Credit Cards
St.George No Annual Fee Credit Card
Updated 27 December 2023
Save on card costs with St.George No Annual Fee credit card. Enjoy a zero annual fee and add up to 3 additional cardholders at no extra cost, 24/7 Fraud monitoring, and a low minimum card limit. T&Cs apply.
Purchase Rate (p.a)
20.74%
Balance Transfer (p.a)
N/A
Annual Fee (p.a)
$0
Pros and cons
- High cash advance rate
Creditcard.com.au review
Editor Review
St.George No Annual Fee Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
The St George No Annual Fee Credit Card
Who says credit cards have to be expensive? If you know how to deal with credit correctly – and what to look for when choosing a card – credit cards can cost you zip. As long as you avoid fees and pay off your balance before it starts accruing interest, there’s no reason why you can’t enjoy access to credit for free.
If you’re interested in saving money on your credit card, the first thing to think about is how much you’re paying in annual fees. By choosing a credit card with no annual fee, you could save hundreds of dollars a year, while still enjoying the many benefits of having a credit card.
Sound good? Then check out the St George No Annual Fee Credit Card. This little money-saver charges no annual fee for the life of the card – and still offers some pretty neat features.
What we love…
The St George No Annual Fee Credit Card shapes up nicely within the no annual fee card market -- a card that charges a $0 annual fee ever.
You can also enjoy a nice low minimum credit limit of $500, helping to keep excessive spending in check, if needed.
Why should you choose this card?
There are two types of cardholders no annual fee cards generally attract. First, there are the money-savers. They want to keep costs down to a minimum by not paying annual fees on their credit card. Second, there are those who keep a credit card for emergencies. Using their debit card for day-to-day plastic payments, they keep their no annual fee card just in case they ever need access to credit.
If you fit into either of these categories, the St George No Annual Fee Credit Card could be for you. While it may not be jam-packed with features, it does offer three additional cardholders at no extra cost, Visa extras and security, and up to 55 days interest free on purchases.
Overall Rating
Offering the perfect way to save money on annual fees, this card has some decent extras.
User reviews
Rates and fees
Interest rates
Purchase rate 20.74% p.a.
Cash advance rate 21.49% p.a.
Interest free period on purchases up to 55 days
Credit limits
Minimum credit limit $500
Maximum credit limit $40,000
Fees & repayments
Annual fee $0 p.a.
Additional cardholder fee Up to 3 at no extra cost
Foreign transaction fee 3%
Minimum repayment 2% or $10, whichever is greater
Cash advance fee 3%
Late payment fee $15
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Extras
Eligible with Apple Pay, Google Pay and Samsung Pay
Overview
St.George No Annual Fee Credit Card
Having no annual fee to pay should really help to cut down on costs. If you choose this card, you can also benefit from its up to 3 additional cardholders at no extra cost, Visa card, online secure shopping, 24/7 Fraud monitoring, and a low minimum card limit.
Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.
Key features
- No annual fee
- Up to 55 days interest free on purchases
- Add up to 3 additional card holders at no extra cost
- 21.49% p.a. on cash advances
- $500 minimum credit card limit
- 24/7 fraud monitoring
- Eligible with Apple Pay, Google Pay and Samsung Pay
Minimum criteria to apply for this card
-
Be over 18 years old
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Good Credit and have not applied for multiple credit cards recently
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You have permanent residency in Australia/NZ OR; You’re a non-resident or migrant and hold an acceptable Visa, with a min 1 year before expiry
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
Recently Asked Questions
Something you need to know about this card? Ask our credit card expert a question.
Ask a question57 questions (showing the latest 10 Q&As)
I’m after a credit card for overseas transaction with 0 fees
Hi Colette, there’s a few cards on the market that have this feature. To get started you can utilise our comparison tool to explore some of the available credit cards with no foreign fee. You’ll be able to read our expert reviews and learn more about the card. When you’re ready to apply you can click the green “Go to Site” button to be taken to the provider to start an application.
Where could we find out more details regarding travel insurance that is an additional feature of our St.George Visa Card
Hello Haydn, St. George has a list on its website with the insurances that come with each card. You can read through its PDS with the the terms and conditions, to see what you’re covered for specifically and how to activate the cover. You can also give St.George a call on 13 33 30. Hope that helps!
THE BANK & I HAVE BEEN TRYING TO GET A SECURITY CODE FROM VISA ALL DAY, THEY SAID TO PHONE YOU.
Hi Judy, you’re actually on Creditcard.com.au. I strongly recommend giving St.George a call directly at 1300 555 203.
what is the minimum income requirement for thisb card
Hi Rene, I checked this for you but St.George No Annual Fee card does not indicate an exact salary amount. It only states that you have to have a regular and verifiable Australian taxable income.
If I pay it In full each month is there still a monthly charge
Hi Chris, if you pay the balance in full each month on or before the due date that’s indicated on your statement, you will not incur any interest.
Hello,,
Looking at this no annual fee credit card and i am confused ,
Are you able to chat here ??
Barry
Hi Barry, please provide information on how we can help and we’ll do our best to help!
Whats the difference between th 0% 12 month period and the 0% 55 day period?
Hi Jamie, the 0% for 12 months is St.George No Annual Fee card’s current offer for purchases you make. This starts from when your card is approved for up to 12 months. The 55 days is the interest free period given to those who have no promotional interest free rate. You must pay at least the minimum amount on or before the due date indicated on the statement monthly so interest will not be charged.
I want to apply for this card. However, I am a casual employee and think that because of this I won't get approved. Recently I have been making about $1500 gross per week. I have only been working at my current job for about a month. Should I apply or wait until I have been working for over a year or have a full-time job? I just want a $500 credit limit.
Hi Nick, credit card companies take many things into consideration when assessing your credit risk. Employment duration and salary are two of many factors that go into their decision. The lowest card we know of is the Bankwest Breeze Mastercard that sets its minimum income at $15.000 p.a. You can check out our guide to lower income credit cards, and compare a range of first time credit cards. Hope this has helped you out.
What is the fee for a monthly PAPER statement and what proof of income do I provide as a self-funded retiree?
Hi Allan, the majority of providers have switched to electronic statements and with St.George you’ll need to order your credit card statements at a cost of $4.50 per statement. For proof of income you may need to provide your accountants details and other PAYG statements.
I work on average one day a week- semi retired, own home, no debts. Would my application likely be received favourably if I meet all other criteria?
Hi Wendy, we can’t comment on your situation directly as each bank and provider process every application individually. They’ll take into account your income and debts, along with many other factors. Some credit cards have lower income requirements starting from $25,000. Read our reviews carefully and then compare side by side to understand the pros and cons involved.
What fees are incurred to receive a paper statement?
Hi Chris, upon checking, it’s not stated in St.George’s terms of any fee if you choose to receive paper statements. However, it indicated in their FAQ that you can request to receive paper statements at any time via mobile/internet banking. Otherwise give them a call directly on 1300 555 203.
Just want to double check the first year all purchased is interest free.
Hi Rey, thanks for your question! Per the current promo being run, yes, the first year is interest-free for purchases.
how are the statements delivered
Hi Peter, most statements these days are issued through online & mobile banking. St.George eStatements are free of charge and can be printed or saved. If you want paper statements, you can request them as well.
No Fee credit card means ever? I am a pensioner is it available to me? Is St George owned by Wespac? I am currently a customer of St George and Wespac is now introducing a fee on my card I have held with them for 20 years. Not happy
Hi Wayne, correct - the St.George No Annual Fee Credit Card doesn't ever charge an annual fee. It's $0 every year you have the card, not just a promotion for the first year. And yes, while it is a separate bank, St.George is a part of Westpac group.
Looking at transferring balance to a 0% interest & $0 annual fee card for at least 12m if I pay this off within the 12m & then cancel the card will there be any fees? Also can you direct debit repayments from another bank?
Thanks
Mel
Hi Mel, no cancellation fees with any credit card. Yes you can do direct debit from another bank account outside of St George.
hi, i have never owned a credit card before. what i need it for is i am setting up an online business. As products are bought from me they are then produced by a manufacturer who charges me before i would get the money from my customer. i plan to have the payments to the manufacturer come off the credit card and and as soon as i receive payment from the customer, pay the card off. what i need to know is that there will be no extra costs/interest whatsoever assosiated provided i pay the card off in time, which i have read is within 55 days. also, what happens after havung the card for over a year? an annual fre begins?
thank you for your time.
G
Hi Gordon, its up to 55 days interest free. It depends on when you buy in your billing cycle to how many interest free days you get. I suggest you do one of our free intro credit card courses. Just to get your head around the basics. https://edu.creditcard.com.au/courses/credit-card-essentials
Hi,
I am hoping to apply for a balance transfer credit card and transfer the balance from a card in another person's name. Will St George accept this? If not, do you know which banks might?
Thanks so much.
Hi Nicole, a balance transfer must be between the same legal person. Therefore no bank will accept a transfer from someone else's name than the applicant. A longer way around would be to get a low rate personal loan. Then look to get a balance transfer later on of that personal loan. This is a 2 step process and the risk is that you cannot get the balance transfer for the loan. Though the personal loan interest rate may be much better than the credit card. Therefore reducing the interest paid on the outstanding amount.
Creditcard.com.au Visitor
28 January 2013This card is alright, best thing is their customer service
Recommends this cardJoy Delosa
28 January 2013This is my emergency card. I only use my debit card normally but I wanted a credit card just in case. I donâ??t pay an annual fee, and if I do use it then I pay it off straight away.
Recommends this card