St.George No Annual Fee

20.49% p.a.

0% p.a. for 12 months and then 20.49% p.a. (1.00% balance transfer fee)

$0

n/a

St.George No Annual Fee

20.49% p.a.

0% p.a. for 12 months and then 20.49% p.a. (1.00% balance transfer fee)

$0

n/a

Mozo Review   St.George No Annual Fee Review

Last updated: 18 September 2018.

What's hot:
  • $0 annual fee

  • 0% balance transfer rate for first 12 months (1% balance transfer fee)

What's not:
  • 20.49% 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. It comes with 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 20.49% purchase rate to consider.

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 20.49% 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, 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.

Who it's 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.

Any catches?

The obvious catch here is the high 20.49% 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 2018.

Rates
  • 20.49% p.a.

  • none

  • 0% p.a. for 12 months and then 20.49% p.a. (1.00% balance transfer fee)

  • yes

  • 20.49% 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

Samsung Pay

Customer Reviews

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

Overall customer rating
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
    10/10
    Love my bank

    Best bank with easy to use online app.

    Best bank with easy to use online app.

    Price
    10/10
    Features
    9/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Prakash | New South Wales

    reviewed 6 months ago

  • Overall
    1/10
    Bad eftpos fees and overseas transactions fees

    I detest their eftpos fees and overseas transactions fees

    I detest their eftpos fees and overseas transactions fees

    Price
    1/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -

    Wayne | Queensland

    reviewed over 1 year ago

  • Overall
    10/10
    Excellent provider

    Great bank. I've been with St.George for over 10 years.

    Great bank. I've been with St.George for over 10 years.

    Price
    -1/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -

    Natalie | New South Wales

    reviewed over 1 year ago

  • Overall
    10/10
    Wouldn't have any another bank!

    I love banking eith st george.

    I love banking eith st george.

    Price
    9/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Chianne | New South Wales

    reviewed about 2 years ago

  • Overall
    5/10
    Good

    Good

    Good

    Price
    5/10
    Features
    5/10
    Customer service
    5/10
    Convenience
    5/10
    Trust
    5/10

    Stefanie | Australian Capital Territory

    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.

See St.George credit cards