- 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
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.
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.
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.
Offering the perfect way to save money on annual fees, this card has some decent extras.
Purchase rate 20.74% p.a.
Cash advance rate 21.49% p.a.
Interest free period on purchases up to 55 days
Minimum credit limit $500
Maximum credit limit $40,000
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
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
Eligible with Apple Pay, Google Pay and Samsung Pay
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.
Be over 18 years old
Good Credit and have not applied for multiple credit cards recently
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
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