- 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 8 July 2025
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)
20.99%
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 9 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 20.99% p.a.
Cash advance rate 21.99% 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
- 21.99% 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 9 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 question63 questions (showing the latest 10 Q&As)
My income from my self managed super fund is a minimum of $58,740 pa and can be certified by my accountant. . Can I get this credit card?
Hi Tony, Credit approval depends on a range of factors, including your income versus expenses, assets versus liabilities, and your credit history. You can find more information on our guide to credit cards for pensioners, where we look at what counts as qualifying income. Unfortunately, there's no way to be certain of approval before applying but you could try calling St.George. Good luck!
want small credit limit ($2000) credit cards for Company
Hi Harvinder, this St.George card is for personal use and not for business use. If you're looking for a business credit card these come with extra offerings that can help you manage cashflow and BAS reporting too. You can use our comparison tool to sort by annual fee, earn rate and other features.
I don't have a St Gorge account, can I still apply for a credit card.?
Hi Carol, yes you don’t need to have a St.George account to apply. But please note that there are eligibility requirements you need to meet. Make sure you review and meet all the criteria before submitting your application.Thanks
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