Purchase rate
20.74% p.a.
Balance transfer rate
0% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)
Annual fees
$0
Interest free days on purchases
55

Mozo editorial review St.George No Annual Fee

Last updated: 1 October 2020.

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What's hot
  • $0 annual fee
  • 0% balance transfer rate for first 12 months (1% balance transfer fee) for applications made by 9 February 2021
What's not
  • 20.74% 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. And if you apply before 9 February 2021, there's 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 20.74% purchase rate to consider.

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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.

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 20.74% 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 for applications made by 9 February 2021, 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.

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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% 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 5 December 2020 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.
Rates
  • 20.74% p.a.

  • none

  • 0% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)

  • yes

  • 21.49% 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

Apple Pay, Google Pay, PayID, Samsung Pay

Customer Reviews

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

Overall
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 9/10
    This bank i’ve been with for a while, it’s great!

    Very good service. Been with St George for a long time. They are a great bank.

    Read full review

    Very good service. Been with St George for a long time. They are a great bank.

    Price
    7/10
    Features
    7/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    8/10
    Less
    Erin, New South Wales reviewed 8 months ago
  • Overall 5/10
    Visa Card.

    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 review

    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.

    Price
    7/10
    Features
    0/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Kevin, Queensland reviewed 8 months ago
  • Overall 9/10
    No annual fee and accepted everywhere

    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 review

    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.

    Price
    5/10
    Features
    2/10
    Customer service
    9/10
    Convenience
    9/10
    Trust
    9/10
    Less
    Elizabeth, New South Wales reviewed about 2 years ago
  • Overall 10/10
    Amazing!

    Banking with St. George has been a pleasure.

    Read full review

    Banking with St. George has been a pleasure.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Yilmaz, Northern Territory reviewed about 2 years ago
  • Overall 10/10
    Love my bank

    Best bank with easy to use online app.

    Read full review

    Best bank with easy to use online app.

    Price
    10/10
    Features
    9/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Prakash, New South Wales 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

Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

Bendigo Bank

Bendigo Bank

Low Rate Credit Card

0% p.a. for 15 months then 11.99% p.a.

No current offer

$45

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$49 $0 in the first year

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Defence Bank

Defence Bank

Foundation Credit Card

3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

CUA

CUA

Platinum Credit Card

19.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$149 $0 in the first year

CUA Platinum Rewards

American Express

American Express

Qantas Discovery Card

20.74% p.a.

No current offer

$0

Qantas Frequent Flyer

Virgin Money

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

American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

American Express

American Express

Qantas Premium Card

Qantas Frequent Flyer

$249

30,000

1 point uncapped

Suncorp

Suncorp

Clear Options Platinum

Suncorp Rewards

$129

100,000

1.25 points uncapped

American Express

American Express

Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

NAB

NAB

Qantas Rewards Premium Card

Qantas Frequent Flyer

$250

30,000

0.66 points up to $3,000/month, then
0.33 points up to $6,000/month

Bankwest

Bankwest

Qantas Platinum Mastercard

Qantas Frequent Flyer

$160

30,000

0.75 points up to $2,500/month, then
0.3 points uncapped

American Express

American Express

Qantas Ultimate Card

Qantas Frequent Flyer

$450

55,000

1.25 points uncapped

Westpac

Westpac

Altitude Black

Altitude Rewards

$250

150,000

1.25 points uncapped

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0% p.a. for 26 months and then 20.99% p.a.

20.74% p.a.

$129 $64 in the first year

Velocity Frequent Flyer

Westpac

Westpac

Low Rate

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

13.74% p.a.

$59

CUA

CUA

Low Rate Credit Card

0% p.a. for 20 months and then 21.74% p.a.

11.99% p.a.

$49 $0 in the first year

ANZ

ANZ

Low Rate

0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)

12.49% p.a.

$58 $0 in the first year

NAB

NAB

Low Rate Card

0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)

12.99% p.a.

$59

Bankwest

Bankwest

Breeze Mastercard

2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)

0% p.a. for 15 months then 10.99% p.a.

$49

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 6 months and then 20.99% p.a.

0% p.a. for 14 months then 20.74% p.a.

$129 $64 in the first year

Velocity Frequent Flyer

Bendigo Bank

Bendigo Bank

Low Rate Credit Card

0% p.a. for 15 months then 11.99% p.a.

No current offer

$45

Defence Bank

Defence Bank

Foundation Credit Card

3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$49 $0 in the first year

Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

ANZ

ANZ

Low Rate

12.49% p.a.

0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)

$58 $0 in the first year

NAB

NAB

StraightUp Card

0% p.a.

No current offer

$120 $10/month - waived if no spend & no balance owing

Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 15 months then 10.99% p.a.

2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)

$49

Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

Bendigo Bank

Bendigo Bank

Low Rate Credit Card

0% p.a. for 15 months then 11.99% p.a.

No current offer

$45

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$49 $0 in the first year

ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Defence Bank

Defence Bank

Foundation Credit Card

3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

CUA

CUA

Platinum Credit Card

19.99% p.a.

0% p.a. for 20 months and then 21.74% p.a.

$149 $0 in the first year

Virgin Money

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

NAB

NAB

StraightUp Card

0% p.a.

No current offer

$120 $10/month - waived if no spend & no balance owing