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St.George No Annual Fee Credit Card
St.George No Annual Fee Credit Card

St.George Credit Cards

St.George No Annual Fee Credit Card

Updated 20 October 2021

Save on card costs with St.George No Annual Fee credit card. Enjoy 0% p.a. interest on purchases for the first 12 months. Plus, you can benefit from having 3 additional cardholders at no extra cost, 24/7 Fraud monitoring, and a low minimum card limit.

T&Cs apply. Offer ends 24 February 2022

Purchase Rate (p.a)


for 12 months. Reverts to 20.74% p.a.

Balance Transfer (p.a)


Annual Fee (p.a)



My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • Pay no annual fee
  • 0% p.a. on purchases for 12 months
  • 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

  • High cash advance rate review

Editor Review

St.George No Annual Fee Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of 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. On top of that, it has a good introductory offer. New customers can enjoy 0% p.a. on purchases for 12 months.

What we love…

Let’s start with the introductory offer. What can you do in over a year? Quite a lot, if you put your mind to it. The 0% purchase offer could give you more flexibility to spend as you like. You could use the 12-month interest-free offer on a big-ticket purchase or for everyday spending as long as you pay it all off within the introductory period and stay within your credit limit.

With its offer, the St George No Annual Fee Credit Card shapes up nicely within the no annual fee card market. Yes, there are cards that offer a longer interest-free period on purchases, such as the ANZ Platinum Credit Card. But if you're looking for a card that charges a $0 annual fee ever, with a 0% purchase rate offer, this might be the ideal card for you.

You can also enjoy a nice low minimum credit limit of $500, helping to keep excessive spending in check, if needed.

What’s not so great…

When comparing credit card offers, it’s important to read the small print. When it comes to purchase rate offers, you need to find out the card’s revert rate. This is the rate of interest any unpaid purchase balance will attract when the introductory period ends.

The offer on the St George No Annual Fee Credit Card revert to the card’s purchase rate, currently at a variable 20.74% p.a. That means if you don’t pay it off within the intro period, it will start accruing interest at that much higher rate.

It goes without saying that any purchases made will also attract that same higher rate of interest. So, if you don’t pay off the balance each month, you could end up paying out heaps in interest.

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 – or you want to take advantage of a great purchase offer – 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

St.George No Annual Fee Credit Card ( based on 5 user reviews )

79% rating based on 5 reviews

Customer Service
80% Visitor

28 January 2013

This card is alright, best thing is their customer service

Recommends this card

Joy Delosa

28 January 2013

This 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

Rates and fees

Interest rates

Purchase rate 20.74% p.a.

Introductory purchase rate 0% for 12 months

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 2% or $2.50, whichever is greater

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


Eligible with Apple Pay, Google Pay and Samsung Pay


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 12 months interest-free on purchases offer, 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
  • 0% p.a. on purchases for 12 months. Reverts to 20.74% p.a.
  • 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
  • Up to 55 days interest free on purchases
  • Eligible with Apple Pay, Google Pay and Samsung Pay

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Must have have a permanent residency visa

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

46 questions (showing the latest 10 Q&As)



16 May 2021
Just want to double check the first year all purchased is interest free.
    Roland B Bleyer - Founder


    17 May 2021
    Hi Rey, thanks for your question! Per the current promo being run, yes, the first year is interest-free for purchases.
peter martin

peter martin

31 March 2021
how are the statements delivered
    Roland B Bleyer - Founder


    1 April 2021
    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.


17 February 2021
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
    Roland B Bleyer - Founder


    18 February 2021
    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.


20 April 2020
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
    Roland B Bleyer - Founder


    20 April 2020
    Hi Mel, no cancellation fees with any credit card. Yes you can do direct debit from another bank account outside of St George.


29 March 2020
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
    Roland B Bleyer - Founder


    30 March 2020
    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.


26 October 2019
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.
    Roland B Bleyer - Founder


    28 October 2019
    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.

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