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. There's even a limited time 0% p.a. annual purchase rate for the first 12 months (offer ends 28 September 2021), as well as up to 55 interest free days.
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.
On top of this, new customers who apply and are approved by 28 September 2021 could benefit from an annual purchase rate of 0% p.a. for the first 12 months! After this the purchase rate will increase to 20.74% p.a.
The card comes with 55 interest free days, so once you do hit that higher purchase rate, you'll still have a fair amount of time to pay off outstanding debts, before the interest rate kicks in.
If you want to share this account with a couple of family members, you’ll also be able to have 3 additional cardholders for free.
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.
The obvious catch here is the high 20.74% p.a. purchase rate after the first 12 months. 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.
20.74% p.a.
0% p.a. for 12 months
6.99% p.a. for 12 months and then 21.49% p.a.
yes
21.49% p.a.
55
$0.00
none
none
none
$15.00
2%, Min $2.50
3.00%
$0.00
$10.50
$0.00
$10.00
2.0
3
none
Apple Pay, Google Pay, PayID, Samsung Pay
Staff are very friendly, kind and ready to help. Even the store manager helps out when they are busy. Nothing is an issue.
Read full reviewStaff are very friendly, kind and ready to help. Even the store manager helps out when they are busy. Nothing is an issue.
Very good service. Been with St George for a long time. They are a great bank.
Read full reviewVery good service. Been with St George for a long time. They are a great bank.
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 reviewI 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.
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 reviewThere 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.
Banking with St. George has been a pleasure.
Read full reviewBanking with St. George has been a pleasure.
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.
St.George
Amplify Rewards Platinum
19.74% p.a.
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
$99
St.George
Amplify Rewards Signature
19.74% p.a.
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
$279
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
American Express
Qantas Ultimate Card
20.74% p.a.
No current offer
$450
Qantas Frequent Flyer
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 9.90% p.a.
0% p.a. for 15 months and then 9.90% p.a.
$49 $0 in the first year
MoneyMe
Freestyle Virtual Mastercard
16.99% p.a.
No current offer
$209 Annual fee may vary.
HSBC
Platinum Credit Card
19.99% p.a.
0% p.a. for 36 months and then 21.99% p.a.
$129 $29 in the first year
Rewards Plus
Westpac
Altitude Platinum
Altitude Rewards
$150 $99 in the first year
80,000
1 point uncapped
American Express
Qantas Ultimate Card
Qantas Frequent Flyer
$450
55,000
1.25 points uncapped
NAB
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
110,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
American Express
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
American Express
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
NAB
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250
65,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
American Express
Cashback Credit Card
Cashback Rewards
$120
No current offer
1 point uncapped
HSBC
Platinum Credit Card
0% p.a. for 36 months and then 21.99% p.a.
19.99% p.a.
$129 $29 in the first year
Rewards Plus
Bendigo Bank
Low Rate Credit Card
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
11.99% p.a.
$45
Bankwest
Zero Mastercard
0% p.a. for 26 months and then 14.99% p.a. (2.00% balance transfer fee)
14.99% p.a.
$0
American Express
Qantas Ultimate Card
No current offer
20.74% p.a.
$450
Qantas Frequent Flyer
Westpac
Low Rate
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59 $0 in the first year
Great Southern Bank
Low Rate Credit Card
0% p.a. for 25 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
Bankwest
Zero Platinum Mastercard
0% p.a. for 26 months and then 14.99% p.a. (2.00% balance transfer fee)
14.99% p.a.
$0
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 9.90% p.a.
0% p.a. for 15 months and then 9.90% p.a.
$49 $0 in the first year
Bankwest
Zero Mastercard
14.99% p.a.
0% p.a. for 26 months and then 14.99% p.a. (2.00% balance transfer fee)
$0
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
