Ask Roland a Question

Hi, I’m the site founder and I will personally answer your question within a business day.

By submitting this question you agree to our privacy policy.

St.George No Annual Fee Credit Card

6 reviews

Apply by 2 October 2019

St.George No Annual Fee Credit Card

Purchase rate

20.74% p.a.

Balance transfer

0% 12 months
0% Complete (success)
reverts to 21.49% p.a. 1% BT fee

Annual fee

$0 p.a.
0% Complete (success)

Pros

Pay no annual fee

0% on balance transfers for 12 months

Up to 3 additional card holders

Cons

Very high purchase and cash advance rate

1% balance transfer fee

You can balance transfer up to 80% of your approved credit limit

Balance transfers reverts to variable cash advance rate

St.George No Annual Fee Credit Card

A great choice if you want to save money, the St.George No Annual Fee credit card will charge you no annual fee, ever! Add to this a new special offer of 0% p.a. on balance transfers for 12 months and you have a great offer. A 1% balance transfer fee applies and the rate reverts to the cash advance rate after the promotional period ends. No annual fee credit cards are excellent if you tend to pay off the balance of your credit card in full each month. Having no annual fee to pay should really help to cut down on costs. If you choose this card, you can also benefit from having 3 additional cardholders at no extra cost, a Visa card, online secure shopping, 24/7 Falcon Fraud monitoring, and a low minimum card limit. Offer ends 2 October 2019.

Key features

  • No annual fee
  • 0% on balance transfers for 12 months. 1% balance transfer fee applies. Reverts to cash advance rate.
  • 20.74% p.a. on purchases and 21.49% p.a. on cash advances
  • Add up to 3 additional card holders at no extra cost
  • $500 minimum credit card limit
  • 24/7 Falcon fraud monitoring
  • Up to 55 days interest free on purchases
83% of customers who have rated this card would recommend it
  • Rates
    35%
  • Fees
    80%
  • Rewards
    N/A
  • Customer Service
    77%
  • Value
    61%
Overall user rating 61%
6 reviews

80% Visitor

This card is alright, best thing is their customer service

Recommends this card

60% Joy Delosa

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

Interest Rates
Purchase rate 20.74% p.a.
Cash advance rate 21.49% p.a.
Interest free on purchases up to 55 days
Balance Transfer
Balance transfer rate 0% p.a. for 12 months
Balance transfer fee 1% one off
Balance transfer revert rate 21.49% p.a.
Balance transfer limit 80% of your approved new credit limit
Balance transfer from personal loan No
Banks you can't balance transfer from Bank of Melbourne ,BankSA ,St.George
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
Cash advance fee 2%
Foreign transaction fee 3%
Minimum repayment 2%
Late payment fee $15
Credit card type Visa
Complimentary insurance
Flight inconvenience insurance No
Transport accident cover No
Smartphone screen insurance No
Purchase protection insurance No
Extended warranty insurance No
Rental vehicle excess cover No

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 balance transfers for 12 months. 1% balance transfer fee applies. Reverts to cash advance rate after the promotional period ends.

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. With this card, you could use the balance transfer offer to make a substantial dent in existing credit card debt.

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 same balance transfer periods, such as the Virgin Money No Annual Fee Credit Card (with 0% on balance transfers for 18 months). But, if you want a card that charges no annual fee ever, with a balance transfer offer, you’ll have to search pretty hard indeed.

Another great feature is its low minimum income requirement. To apply for this card, you only need to earn a minimum of $14,000 per year. Compared to some other cards – especially platinum cards – this makes it much easier on lower income earners. 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 balance transfer offers, you need to find out the card’s revert rate. This is the rate of interest any unpaid balance will attract when the introductory period ends.

The offer on the St George No Annual Fee Credit Card revert to the card’s cash advance rate, currently at a variable 21.49% p.a. That means if you transfer a balance and 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 in full 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 and balance transfer 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, plus a good balance transfer offer.

40 questions (showing the latest 10 Q&As)

Andrew

Andrew

10 November 2018
We're looking for a card in joint names and this one looks possible. Our current card cannot be held in joint names (bank policy). Would it be best to pay out and close our current card (we always pay full balance monthly) after setting up this card or transfer the balance to this new card. We're retired on part pension Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 November 2018
    Hi Andrew, a balance transfer must be between the same legal person. Therefore you would not be able to transfer debt from an individual to a joint credit card. Therefore it would be best to pay this off. St George do allow for joint applications on there credit cards. This is not very common these days.
Tayler

Tayler

20 July 2018
Hi i was just wondering if i just use this card for emergencies i wont be charged with any fees unless i don't make the payment back in time? Also on this credit card how much are you allowed?Kind Regards Tayler
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 July 2018
    Hi Tayler, there is no annual fee with this card. Though no interest free days if you use the card. Therefore you would need to pay any funds back ASAP. Your credit limit is assigned at application based on the details you provide.
Bayden

Bayden

26 April 2018
Am i able to get a credit card at all
Norz

Norz

1 November 2017
Hi I am currently looking to apply for a credit card I am 31 years old with a credit score of 559 due to not having applied for credit before. I earn 1,170 dollars net weekly and have savings currently banking and receiving my wages into anz but I am looking to switch over what credit card would I most likely get an approval for as I don’t want to sabotage my credit score further
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 November 2017
    Hi Norz, credit approval will depend on a range of factors. Key are income v expenses, assets v liabilities and your credit history. You can never be sure before applying if you will be approved. That said, are you looking for a no annual fee card only? Do you think you will hold a balance at the end of the month or pay the card off in full all the time.
Sue

Sue

30 October 2017
Does St George charge a fee when the monthly payment for the visa card comes from another bank?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 October 2017
    Hi Sue, no St George doesn't charge any fees for paying off a card no matter what bank the $$$ come from.
Sandra Martin

Sandra Martin

27 April 2017
does this card earn frequent flyer points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 April 2017
    Hi Sandra, there are no rewards points earned on this product what so ever.
Justin Raymond Caldwell

Justin Raymond Caldwell

10 April 2017
Hi there, i just want to ask if there are any extra charges for using the credit card overseas?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 April 2017
    Hi Justin, yes, on most cards you get charged FX or international fees on all purchases. Have a look at the 28 Degree Card which has no overseas ATM, FX or international fees.
Rodney Williams

Rodney Williams

23 January 2017
would a parenting payment be considered as income?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    24 January 2017
    Hi Rodney, yes the parenting payment is considered part of your income for St George.
Denise

Denise

16 January 2017
I notice this offer states "new cards only" I have an existing Visa card with St George bank which I've just paid a $69.00 annual fee on. I pay my balance in full every month so this no fees card would serve me well. As an existing customer, am I eligible to apply for this card, or could I just "swap it over" OR would I have to cancel the old card and apply for this one? Thanks.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 January 2017
    Hi Denise, I would give give St George customer service a call and see about switching your card. This should be possible. You will not get any special balance transfer period as you cannot transfer St George debt to a St George balance transfer offer though. You would simply have your balance moved and pay the rates on this new card. If may be a better option to apply for a 0% balance transfer offer with another bank and take advantage of the interest free period on your transfer.
Leone bell

Leone bell

9 January 2017
How do I apply for this credit card and would this be the most appropriate? I only need it when hiring cars etc for insurance purposes and nothing else. We have ran into problems not having a credit card a having to use in excess of thousands of dollars on our debit cards being held while on holidays simply due to Not having a credit card for the insurance purpose. On the rare occasion it may actually get used as a credit card but get paid off within Days.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 January 2017
    Hi Leone, I would look at the 28 Degrees Platinum as a no annual fee offer. The benefit this card has is no FX Fees when paying for goods in overseas currencies or when shopping online on overseas sites. This is typically around 3%. I have this card and this is a great backup option that is a travelers friend as well.
Kieron Thomas

Kieron Thomas

30 November 2016
Can I please be sent the link to apply for this card? Very much appreciated, sincerely Kieron.
Colleen Enstock

Colleen Enstock

10 October 2016
What is your interest rate o the 1% purchases after 12 months?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 October 2016
    Hi Colleen, the standard interest on this card is 20.49% p.a. on purchases and cash advances. This is not a low interest card and if you plan to hold a balance after the into period then its best to look at another option.
Luke munro

Luke munro

10 October 2016
How much will it cost per month if i tranfer 5000 dollars over
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 October 2016
    Hi Luke, you need to still make minimum payments. If you don't make any additional purchases, then you would need to pay $100 or 2% a month.
Mira

Mira

5 October 2016
Can a commonwealth personal loan be transferred to this credit card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 October 2016
    Hi Mira, you cannot transfer any loans to this or any other St George card. If you are looking to transfer your CBA personal loan check out the Citi range of offers. Citi are the only provider that accept non-Citi personal loan debt as all or part of a transfer, subject to credit approval.
alex

alex

17 August 2016
I'm slightly confused by the following comment within the description of the card. "if you make a purchase or transfer a balance and don’t pay it off within the intro period, it will start accruing interest at that much higher rate".This seems to contradict the 12 months 0% balance transfer rate. Can you please confirm my understanding that if I was to take this card and transfer money, i.e. $10,000 then there would be 0% interest on this and for example after 10 months the balance outstanding would be $10,000
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 August 2016
    Hi Alex, there are different rates depending on the type of transaction. On this card you do have a 0% for 12 month balance transfer period. Therefore if you did not spend on the card and successfully transferred $10,000, then you would not pay any interest during that intro period. You would still need to make minimum payments of 2% a month, therefore you would have paid down the balance a bit even though whilst attracting no interest. The statement you are mentioning is in relation to the interest rate after the 0% period which switches to 20%+.
allan

allan

27 July 2016
if i pay off my personal loan with my westpac credit card,can i then transfer the ballance to this card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 July 2016
    Hi Allan, you need to make sure that you can pay off your loan with your card. If you can, then its possible to balance transfer, subject to credit approval. Westpac own St George bank, though they still issue there own cards. It would be best to look at a bank to transfer to outside the group e.g. Virgin (citi) or even this AMEX offer.
Naheed Sadeed

Naheed Sadeed

4 April 2016
Hi I want to know if can i pay my other credit card balance using this card with no intrest charged in the first 12 months. I am not sure how balnce tansfer works. Thnx for ur time to help me
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 April 2016
    Hi Naheed, how it works is that you apply for a new credit card offer that is with a different bank than your current credit card debt. In the online application you specify the credit card debt you wish to transfer and provide details of the card. If approved and once you activate the new card, then your new bank will make a payment on your behalf off your old card.
Susan

Susan

1 April 2016
I am a self funded retiree with a superannuation pension. What documentary proof of income do I require for credit card application? Thank you
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 April 2016
    Hi Susan, the bank will define what additional evidence it needs post your application process. I would assume they will want to see your bank statements, your tax returns and the returns from your fund is its self managed.
Gene

Gene

17 March 2016
Are there any transfer fee
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 March 2016
    Hi Gene - there is no balance transfer fee with this offer. Best of luck with your application.
Max

Max

10 March 2016
Hi I would like to balance transfer my west pac credit card with 3500. Need missed a payment every month always paying in full. how works this interest fee of 2% monthly ? So it will ended up 24 % year . Doesn't it ? Which one offer best for balance transfer at moment ? AppreciateMax
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 March 2016
    Hi Max, there are a range of 0% balance transfer offers available. The 2% is typically the minimum amount of monthly payment required, not the interest you would pay. A few options to look at would be the NAB Low Rate, this card has a 2.5% one off balance transfer fee. Therefore if you were successful in transferring the full amount you would be hit with $87.50. If you only require 12 months to pay off the debt, I would look at the AMEX Essential with no annual fee for life and a low rate on purchases. You can check out our 0% balance transfer page for more offers.
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Resident or citizen of Australia. Temporary residents are eligible.
  • You have your personal details ready to complete the online application
St.George No Annual Fee Credit Card
St.George No Annual Fee Credit Card

St.George No Annual Fee Credit Card

Updated 1 July 2019

Apply by 2 October 2019

Purchase Rate (p.a)

20.74%

Balance Transfer (p.a)

0% for 12 months 1% BT fee applies. reverts to 21.49% p.a.

Annual Fee (p.a)

$0

$0 over 12 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • Pay no annual fee
  • 0% on balance transfers for 12 months
  • Up to 3 additional card holders

  • Very high purchase and cash advance rate
  • 1% balance transfer fee
  • You can balance transfer up to 80% of your approved credit limit
  • Balance transfers reverts to variable cash advance rate

Creditcard.com.au review

Editor Review

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 balance transfers for 12 months. 1% balance transfer fee applies. Reverts to cash advance rate after the promotional period ends.

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. With this card, you could use the balance transfer offer to make a substantial dent in existing credit card debt.

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 same balance transfer periods, such as the Virgin Money No Annual Fee Credit Card (with 0% on balance transfers for 18 months). But, if you want a card that charges no annual fee ever, with a balance transfer offer, you’ll have to search pretty hard indeed.

Another great feature is its low minimum income requirement. To apply for this card, you only need to earn a minimum of $14,000 per year. Compared to some other cards – especially platinum cards – this makes it much easier on lower income earners. 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 balance transfer offers, you need to find out the card’s revert rate. This is the rate of interest any unpaid balance will attract when the introductory period ends.

The offer on the St George No Annual Fee Credit Card revert to the card’s cash advance rate, currently at a variable 21.49% p.a. That means if you transfer a balance and 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 in full 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 and balance transfer 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, plus a good balance transfer offer.

User reviews

St.George No Annual Fee Credit Card ( based on 6 Creditcard.com.au user reviews )

61% rating based on 6 reviews

Rates
Fees
Rewards
Customer Service
Value
80%

CreditCard.com.au Visitor

28 January 2013

This card is alright, best thing is their customer service

Recommends this card
60%

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.

Cash advance rate 21.49% p.a.

Interest free on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 12 months

Balance transfer revert rate 21.49% p.a.

Balance transfer from personal loan No

Balance transfer fee 1% one off

Balance transfer limit 80% of approved credit limit

Banks you can't balance transfer from Bank of Melbourne, BankSA, St.George

Credit limits

Minimum credit limt $500

Maximum credit limit $40,000

Fees & repayments

Annual fee $0 p.a.

Additional card holder fee Up to 3 at no extra cost

Foreign transaction fee 3%

Minimum repayment 2%

Cash advance fee 2%

Late payment fee $15

Additional features

Complimentary insurance

Overseas travel insurance No

Flight inconvenience insurance No

Transport accident cover No

Smartphone screen insurance No

Purchase protection insurance No

Extended warranty insurance No

Rental vehicle excess cover No

Overview

St.George No Annual Fee Credit Card

A great choice if you want to save money, the St.George No Annual Fee credit card will charge you no annual fee, ever! Add to this a new special offer of 0% p.a. on balance transfers for 12 months and you have a great offer. A 1% balance transfer fee applies and the rate reverts to the cash advance rate after the promotional period ends. No annual fee credit cards are excellent if you tend to pay off the balance of your credit card in full each month. Having no annual fee to pay should really help to cut down on costs. If you choose this card, you can also benefit from having 3 additional cardholders at no extra cost, a Visa card, online secure shopping, 24/7 Falcon Fraud monitoring, and a low minimum card limit. Offer ends 2 October 2019.

Key features

  • No annual fee
  • 0% on balance transfers for 12 months. 1% balance transfer fee applies. Reverts to cash advance rate.
  • 20.74% p.a. on purchases and 21.49% p.a. on cash advances
  • Add up to 3 additional card holders at no extra cost
  • $500 minimum credit card limit
  • 24/7 Falcon fraud monitoring
  • Up to 55 days interest free on purchases

Minimum criteria to apply for this card

  • Be over 18 years old

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

  • Resident or citizen of Australia. Temporary residents are eligible.

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

Roland B Bleyer

Roland B Bleyer founded creditcard.com.au 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.

40 questions (showing the latest 10 Q&As)

Andrew

Andrew

10 November 2018
We're looking for a card in joint names and this one looks possible. Our current card cannot be held in joint names (bank policy). Would it be best to pay out and close our current card (we always pay full balance monthly) after setting up this card or transfer the balance to this new card. We're retired on part pension Thanks
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 November 2018
    Hi Andrew, a balance transfer must be between the same legal person. Therefore you would not be able to transfer debt from an individual to a joint credit card. Therefore it would be best to pay this off. St George do allow for joint applications on there credit cards. This is not very common these days.
Tayler

Tayler

20 July 2018
Hi i was just wondering if i just use this card for emergencies i wont be charged with any fees unless i don't make the payment back in time? Also on this credit card how much are you allowed?Kind Regards Tayler
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 July 2018
    Hi Tayler, there is no annual fee with this card. Though no interest free days if you use the card. Therefore you would need to pay any funds back ASAP. Your credit limit is assigned at application based on the details you provide.
Bayden

Bayden

26 April 2018
Am i able to get a credit card at all
Norz

Norz

1 November 2017
Hi I am currently looking to apply for a credit card I am 31 years old with a credit score of 559 due to not having applied for credit before. I earn 1,170 dollars net weekly and have savings currently banking and receiving my wages into anz but I am looking to switch over what credit card would I most likely get an approval for as I don’t want to sabotage my credit score further
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 November 2017
    Hi Norz, credit approval will depend on a range of factors. Key are income v expenses, assets v liabilities and your credit history. You can never be sure before applying if you will be approved. That said, are you looking for a no annual fee card only? Do you think you will hold a balance at the end of the month or pay the card off in full all the time.
Sue

Sue

30 October 2017
Does St George charge a fee when the monthly payment for the visa card comes from another bank?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    30 October 2017
    Hi Sue, no St George doesn't charge any fees for paying off a card no matter what bank the $$$ come from.
Sandra Martin

Sandra Martin

27 April 2017
does this card earn frequent flyer points?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 April 2017
    Hi Sandra, there are no rewards points earned on this product what so ever.
Justin Raymond Caldwell

Justin Raymond Caldwell

10 April 2017
Hi there, i just want to ask if there are any extra charges for using the credit card overseas?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 April 2017
    Hi Justin, yes, on most cards you get charged FX or international fees on all purchases. Have a look at the 28 Degree Card which has no overseas ATM, FX or international fees.
Rodney Williams

Rodney Williams

23 January 2017
would a parenting payment be considered as income?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    24 January 2017
    Hi Rodney, yes the parenting payment is considered part of your income for St George.
Denise

Denise

16 January 2017
I notice this offer states "new cards only" I have an existing Visa card with St George bank which I've just paid a $69.00 annual fee on. I pay my balance in full every month so this no fees card would serve me well. As an existing customer, am I eligible to apply for this card, or could I just "swap it over" OR would I have to cancel the old card and apply for this one? Thanks.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 January 2017
    Hi Denise, I would give give St George customer service a call and see about switching your card. This should be possible. You will not get any special balance transfer period as you cannot transfer St George debt to a St George balance transfer offer though. You would simply have your balance moved and pay the rates on this new card. If may be a better option to apply for a 0% balance transfer offer with another bank and take advantage of the interest free period on your transfer.
Leone bell

Leone bell

9 January 2017
How do I apply for this credit card and would this be the most appropriate? I only need it when hiring cars etc for insurance purposes and nothing else. We have ran into problems not having a credit card a having to use in excess of thousands of dollars on our debit cards being held while on holidays simply due to Not having a credit card for the insurance purpose. On the rare occasion it may actually get used as a credit card but get paid off within Days.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 January 2017
    Hi Leone, I would look at the 28 Degrees Platinum as a no annual fee offer. The benefit this card has is no FX Fees when paying for goods in overseas currencies or when shopping online on overseas sites. This is typically around 3%. I have this card and this is a great backup option that is a travelers friend as well.
Kieron Thomas

Kieron Thomas

30 November 2016
Can I please be sent the link to apply for this card? Very much appreciated, sincerely Kieron.
Colleen Enstock

Colleen Enstock

10 October 2016
What is your interest rate o the 1% purchases after 12 months?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 October 2016
    Hi Colleen, the standard interest on this card is 20.49% p.a. on purchases and cash advances. This is not a low interest card and if you plan to hold a balance after the into period then its best to look at another option.
Luke munro

Luke munro

10 October 2016
How much will it cost per month if i tranfer 5000 dollars over
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 October 2016
    Hi Luke, you need to still make minimum payments. If you don't make any additional purchases, then you would need to pay $100 or 2% a month.
Mira

Mira

5 October 2016
Can a commonwealth personal loan be transferred to this credit card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 October 2016
    Hi Mira, you cannot transfer any loans to this or any other St George card. If you are looking to transfer your CBA personal loan check out the Citi range of offers. Citi are the only provider that accept non-Citi personal loan debt as all or part of a transfer, subject to credit approval.
alex

alex

17 August 2016
I'm slightly confused by the following comment within the description of the card. "if you make a purchase or transfer a balance and don’t pay it off within the intro period, it will start accruing interest at that much higher rate".This seems to contradict the 12 months 0% balance transfer rate. Can you please confirm my understanding that if I was to take this card and transfer money, i.e. $10,000 then there would be 0% interest on this and for example after 10 months the balance outstanding would be $10,000
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 August 2016
    Hi Alex, there are different rates depending on the type of transaction. On this card you do have a 0% for 12 month balance transfer period. Therefore if you did not spend on the card and successfully transferred $10,000, then you would not pay any interest during that intro period. You would still need to make minimum payments of 2% a month, therefore you would have paid down the balance a bit even though whilst attracting no interest. The statement you are mentioning is in relation to the interest rate after the 0% period which switches to 20%+.
allan

allan

27 July 2016
if i pay off my personal loan with my westpac credit card,can i then transfer the ballance to this card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 July 2016
    Hi Allan, you need to make sure that you can pay off your loan with your card. If you can, then its possible to balance transfer, subject to credit approval. Westpac own St George bank, though they still issue there own cards. It would be best to look at a bank to transfer to outside the group e.g. Virgin (citi) or even this AMEX offer.
Naheed Sadeed

Naheed Sadeed

4 April 2016
Hi I want to know if can i pay my other credit card balance using this card with no intrest charged in the first 12 months. I am not sure how balnce tansfer works. Thnx for ur time to help me
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    5 April 2016
    Hi Naheed, how it works is that you apply for a new credit card offer that is with a different bank than your current credit card debt. In the online application you specify the credit card debt you wish to transfer and provide details of the card. If approved and once you activate the new card, then your new bank will make a payment on your behalf off your old card.
Susan

Susan

1 April 2016
I am a self funded retiree with a superannuation pension. What documentary proof of income do I require for credit card application? Thank you
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 April 2016
    Hi Susan, the bank will define what additional evidence it needs post your application process. I would assume they will want to see your bank statements, your tax returns and the returns from your fund is its self managed.
Gene

Gene

17 March 2016
Are there any transfer fee
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 March 2016
    Hi Gene - there is no balance transfer fee with this offer. Best of luck with your application.
Max

Max

10 March 2016
Hi I would like to balance transfer my west pac credit card with 3500. Need missed a payment every month always paying in full. how works this interest fee of 2% monthly ? So it will ended up 24 % year . Doesn't it ? Which one offer best for balance transfer at moment ? AppreciateMax
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 March 2016
    Hi Max, there are a range of 0% balance transfer offers available. The 2% is typically the minimum amount of monthly payment required, not the interest you would pay. A few options to look at would be the NAB Low Rate, this card has a 2.5% one off balance transfer fee. Therefore if you were successful in transferring the full amount you would be hit with $87.50. If you only require 12 months to pay off the debt, I would look at the AMEX Essential with no annual fee for life and a low rate on purchases. You can check out our 0% balance transfer page for more offers.

Similar Credit Cards

Virgin Money No Annual Fee Credit Card

Virgin Money No Annual Fee Credit Card

15 reviews

Apply by 31 Aug 19

More info
$0 saved over 36 months
Your savings
$ saved over 36 months
Calculate your savings icon
Help us improve

By submitting this feedback you agree to our privacy policy.

My credit card is not listed

By submitting this form you agree to our privacy policy.