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 24 February 2022), 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 24 February 2022 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 | |
| 2.99% p.a. for 15 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
St Georges Bank is very reputable bank.
Read full reviewSt Georges Bank is very reputable bank.
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.
St.George
Vertigo
0% p.a. for 6 months then 13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
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
0% p.a. for 12 months then 11.99% p.a.
0% p.a. for 12 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
MoneyMe
Freestyle Virtual Mastercard
16.99% p.a.
No current offer
$209 $0 - $149 based on credit limit, $5/month for balances over $20.
Latitude
Gem Visa
19.95% p.a.
No current offer
$107 $8.95 monthly fee waived if outstanding balance less than $10
Great Southern Bank
Platinum Credit Card
19.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$149 $0 in the first year
Great Southen Bank Platinum Rewards
Westpac
Altitude Black
Altitude Rewards
$250 $99 in the first year
180,000
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
Velocity Platinum Card
Velocity Frequent Flyer
$375
120,000
1.25 points uncapped
Westpac
Altitude Platinum
Qantas Frequent Flyer
$200 $99 in the first year
75,000
0.5 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
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
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
0% p.a. for 12 months then 11.99% p.a.
$45
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
Platinum Credit Card
0% p.a. for 25 months and then 21.74% p.a.
19.99% p.a.
$149 $0 in the first year
Great Southen Bank Platinum Rewards
NAB
Low Rate Card
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
12.99% p.a.
$59 $0 in the first year
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
St.George
Vertigo
0% p.a. for 32 months and then 21.49% p.a.
0% p.a. for 6 months then 13.99% p.a.
$55 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months then 11.99% p.a.
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
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
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
MoneyMe
Freestyle Virtual Mastercard
16.99% p.a.
No current offer
$209 $0 - $149 based on credit limit, $5/month for balances over $20.
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
St.George
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$0
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
