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St.George No Annual Fee

Purchase rate
20.74% p.a.
Balance transfer rate
0% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)
Annual fees
$0
Interest free days on purchases
55
Go to site

Mozo editorial review St.George No Annual Fee

Last updated: 13 August 2020.

binocular icon
What's hot
  • $0 annual fee
  • 0% balance transfer rate for first 12 months (1% balance transfer fee) for applications made by 30 September 2020
What's not
  • 20.74% purchase rate
Mozo snapshot

If you’re the type of person who always pays their credit card bill on time and doesn’t want to blow their budget on annual fees, then the St.George No Annual Fee credit card could be the card for you. And if you apply before 30 September 2020, there's a 0% balance transfer rate for the first 12 months (1% balance transfer fee) and up to 55 interest free days. However, there is a 20.74% purchase rate to consider.

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Key features

The feature that stands out about the St.George No Annual fee credit card, is obviously the lack of annual fee. This means that as long as you pay off your balance in full and on time every month, your credit card is basically free.

But make sure you keep up the habit because if you wind up carrying a balance, you’ll be hit with a relatively high purchase rate. You’ll have up to 55 interest free days to ensure that you are able to stay in the clear and avoid the 20.74% purchase rate.

Not only does it not have an annual fee, but if you want to transfer debts over to this card, there’s a 0% balance transfer offer for the first 12 months for applications made by 30 September 2020, although remember there is a 1.00% balance transfer fee.

If you want to share this account with a couple of family members, you’ll be able to have 3 additional cardholders for free.

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Who is it good for

If you’re someone who pays off their balance each and every month no problem, then the St. George No Annual Fee credit card might be the card for you, as you’ll able to enjoy the lack of ongoing fees, without needing to worry about the high purchase rate.

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Any catches

The obvious catch here is the high 20.74% purchase rate. If you aren’t able to pay off your balance, you’ll quickly find those payments stacking up, so be careful to not get stung.

Details

Rates and fees information correct as at 20 September 2020 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 20.74% p.a.

  • none

  • 0% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)

  • yes

  • 21.49% p.a.

  • 55

Fees
  • $0.00

  • none

  • none

  • none

  • $15.00

  • 2%, Min $2.50

  • 3.00%

  • $2.00

  • $10.50

  • $0.00

Features
  • $10.00

  • 2.0

  • 3

  • none

Payment options

Apple Pay, Google Pay, PayID, Samsung Pay

Customer Reviews

How are St.George credit cards rated by the Mozo community?

Overall
6.8/10
Price
6.2/10
Features
5.3/10
Customer service
6.9/10
Convenience
7.4/10
Trust
7.1/10

Latest reviews of St.George No Annual Fee

  • Overall 9/10
    This bank i’ve been with for a while, it’s great!

    Very good service. Been with St George for a long time. They are a great bank.

    Read full review

    Very good service. Been with St George for a long time. They are a great bank.

    Price
    7/10
    Features
    7/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    8/10
    Less
    Erin, New South Wales reviewed 5 months ago
  • Overall 5/10
    Visa Card.

    I keep my card balance above the credit limit with my own money but still get charged for overseas transactions and cash advance fees. Would not recommend this product for anyone without getting them to look at others first.

    Read full review

    I keep my card balance above the credit limit with my own money but still get charged for overseas transactions and cash advance fees. Would not recommend this product for anyone without getting them to look at others first.

    Price
    7/10
    Features
    0/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Kevin, Queensland reviewed 5 months ago
  • Overall 9/10
    No annual fee and accepted everywhere

    There are no annual fees which is an amazing feature. Visa card is accepted everywhere so it is great for travel. The customer service staff is always helpful and friendly.

    Read full review

    There are no annual fees which is an amazing feature. Visa card is accepted everywhere so it is great for travel. The customer service staff is always helpful and friendly.

    Price
    5/10
    Features
    2/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    9/10
    Less
    Elizabeth, New South Wales reviewed almost 2 years ago
  • Overall 10/10
    Amazing!

    Banking with St. George has been a pleasure.

    Read full review

    Banking with St. George has been a pleasure.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Yilmaz, Northern Territory reviewed almost 2 years ago
  • Overall 10/10
    Love my bank

    Best bank with easy to use online app.

    Read full review

    Best bank with easy to use online app.

    Price
    10/10
    Features
    9/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Prakash, New South Wales reviewed over 2 years ago
St.George

About St.George

St.George is Australia's fifth largest bank and has merged with Westpac to create a banking mega force. St.George offers a wide range of products aimed at business and corporate customers. St.George still have a customer focused team who tailor products to suit its customers needs. So if you want a bank that's good with people and good with money too, check out the St George range of credit cards, bank accounts, savings accounts, home loans and personal loans.

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0% p.a. for 22 months and then 19.74% p.a. (1.50% balance transfer fee)

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13.74% p.a.

0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

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Qantas Frequent Flyer

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Amplify Platinum

Qantas Frequent Flyer

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0.5 points uncapped

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Qantas Frequent Flyer

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30,000

0.66 points up to $3,000/month, then
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150,000

1.25 points uncapped

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Qantas Frequent Flyer

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55,000

1.25 points uncapped

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Membership Rewards

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0% p.a. for 7 months then 13.99% p.a.

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$55 $0 in the first year

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19.99% p.a.

$149 $0 in the first year

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11.99% p.a.

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0.90% p.a. for 15 months and then 22.24% p.a.

$99

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No current offer

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0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

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0% p.a. for 15 months then 12.99% p.a.

2.99% p.a. for 9 months and then 12.99% p.a. (0% balance transfer fee)

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Low Rate Credit Card

11.99% p.a.

0% p.a. for 13 months and then 21.74% p.a.

$49 $0 in the first year

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Vertigo

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0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

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17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

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0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)

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$149 $0 in the first year

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0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

$55 $0 in the first year

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0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)

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