Purchase rate
0% p.a. for 12 months then 20.74% p.a.
Balance transfer rate
6.99% p.a. for 12 months and then 21.49% p.a.
Annual fees
Interest free days on purchases
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Mozo editorial review St.George No Annual Fee

Last updated: 12 April 2021.

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What's hot
  • $0 annual fee
  • 0% p.a. annual purchase rate for first 12 months (for new cardholders approved by 28 September 2021)
  • 55 days interest free
What's not
  • 20.74% p.a. purchase rate after first 12 months
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. 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.

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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.

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.

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% 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.


Rates and fees information correct as at 22 June 2021 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.
  • 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

Payment options

Apple Pay, Google Pay, PayID, Samsung Pay

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Customer service

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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.

See St.George credit cards