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 31 December 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 31 December 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 |
|
|
No current offer |
|
|
yes |
|
|
21.49% p.a. |
|
|
55 |
|
$0.00 |
|
|
none |
|
|
none |
|
|
none |
|
|
$15.00 |
|
|
3% |
|
|
3.00% |
|
|
$0.00 |
|
|
$10.50 |
|
|
$0.00 |
|
$10.00 |
|
|
2.0 |
|
|
3 |
|
|
none |
Apple Pay, Google Pay, PayID, Samsung Pay
Convenient location to where I live. Staff friendly and helpful. Pleasant environment in store. Customer service gives clear and helpful advice about the products that they offer.
Read full reviewConvenient location to where I live. Staff friendly and helpful. Pleasant environment in store. Customer service gives clear and helpful advice about the products that they offer.
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.
St.George
Vertigo
13.99% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$55 $0 in the first year
St.George
Amplify Rewards Platinum
19.49% p.a.
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
$99 $29 in the first year
St.George
Amplify Rewards Signature
19.49% p.a.
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
$279 $139 in the first year
Westpac
Low Rate
13.74% p.a.
6.99% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
Virgin Money
No Annual Fee Card
0% p.a. for 12 months then 18.99% p.a.
0% p.a. for 12 months and then 20.99% p.a.
$0
American Express
Qantas Ultimate Card
20.74% p.a.
No current offer
$450
Qantas Frequent Flyer
Virgin Money
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 28 months and then 20.99% p.a.
$129 $0 in the first year
Velocity Frequent Flyer
St.George
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
American Express
Platinum Edge Credit Card
20.74% p.a.
No current offer
$195
Membership Rewards
American Express
Cashback Credit Card
20.74% p.a.
No current offer
$120 First year monthly fees waived for online applications, new card members only., $0 in the first year
Cashback Rewards
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a.
$59 $0 in the first year
American Express
Qantas Ultimate Card
Qantas Frequent Flyer
$450
100,000
1.25 points uncapped
Westpac
Altitude Platinum
Qantas Frequent Flyer
$200 $99 in the first year
70,000
0.5 points up to $100,000/year
American Express
Platinum Edge Credit Card
Membership Rewards
$195
30,000
1 point uncapped
St.George
Amplify Rewards Platinum
Qantas Frequent Flyer
$99
60,000
0.5 points up to $100,000/year
NAB
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250 $150 in the first year
70,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
St.George
Amplify Rewards Platinum
Rewards
$99 $29 in the first year
100,000
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
St.George
Vertigo
0% p.a. for 32 months and then 21.49% p.a.
13.99% p.a.
$55 $0 in the first year
Virgin Money
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 28 months and then 20.99% p.a.
20.74% p.a.
$129 $0 in the first year
Velocity Frequent Flyer
St.George
Amplify Rewards Platinum
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
19.49% p.a.
$99
Qantas Frequent Flyer
St.George
Amplify Rewards Signature
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
19.49% p.a.
$279
Qantas Frequent Flyer
Westpac
Low Rate
6.99% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59
Virgin Money
No Annual Fee Card
0% p.a. for 12 months then 18.99% p.a.
0% p.a. for 12 months and then 20.99% p.a.
$0
Westpac
Low Rate
13.74% p.a.
6.99% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
St.George
Vertigo
13.99% p.a.
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
Virgin Money
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
20.74% p.a.
0% p.a. for 28 months and then 20.99% p.a.
$129 $0 in the first year
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a.
$59 $0 in the first year
Virgin Money
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months and then 20.99% p.a.
$129 $64 in the first year
