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
$0
Interest free days on purchases
55
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Mozo editorial review St.George No Annual Fee

Last updated: 12 April 2021.

binocular icon
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.

key icon
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.

snapshot
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.

Details

Rates and fees information correct as at 13 April 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.
Rates
  • 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

Fees
  • $0.00

  • none

  • none

  • none

  • $15.00

  • 2%, Min $2.50

  • 3.00%

  • $0.00

  • $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

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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

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St.George

Vertigo Platinum

12.99% p.a.

6.99% p.a. for 12 months and then 21.49% p.a.

$99

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St.George

Vertigo

13.99% p.a.

0% p.a. for 28 months and then 21.49% p.a.

$55

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St.George

Amplify Platinum

19.74% p.a.

0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)

$99

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St.George

Amplify Signature

19.74% p.a.

0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)

$279

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Bendigo Bank

Low Rate Credit Card

11.99% p.a.

0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)

$45

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Bankwest

Breeze Mastercard

10.99% p.a.

0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)

$49 $0 in the first year

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Westpac

Low Rate

13.74% p.a.

0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)

$59 $0 in the first year

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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

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MoneyMe

Freestyle Virtual Mastercard

16.99% p.a.

No current offer

$209 Annual fee may vary.

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St.George

Vertigo

13.99% p.a.

0% p.a. for 28 months and then 21.49% p.a.

$55

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American Express

Explorer Credit Card

20.74% p.a.

No current offer

$395

Membership Rewards

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ME

frank Credit Card

11.99% p.a.

No current offer

$0

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Westpac

Altitude Platinum

Altitude Rewards

$150 $99 in the first year

80,000

1 point uncapped

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American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

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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

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American Express

Explorer Credit Card

Membership Rewards

$395

90,000

2 points uncapped

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St.George

Amplify Signature

Amplify Rewards

$279

200,000

1.5 points uncapped

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American Express

Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

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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

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St.George

Amplify Platinum

Qantas Frequent Flyer

$99

60,000

0.5 points uncapped

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Bendigo Bank

Low Rate Credit Card

0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)

11.99% p.a.

$45

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St.George

Vertigo

0% p.a. for 28 months and then 21.49% p.a.

13.99% p.a.

$55

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Bankwest

Breeze Mastercard

0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)

10.99% p.a.

$49 $0 in the first year

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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

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St.George

Amplify Platinum

0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)

19.74% p.a.

$99

Amplify Rewards

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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

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Bank of Melbourne

Amplify Platinum

0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)

19.74% p.a.

$99

Qantas Frequent Flyer

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St.George

Amplify Signature

0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)

19.74% p.a.

$279

Amplify Rewards

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Bendigo Bank

Low Rate Credit Card

11.99% p.a.

0% p.a. for 24 months and then 11.99% p.a. (2.00% balance transfer fee)

$45

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Bankwest

Breeze Mastercard

10.99% p.a.

0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)

$49 $0 in the first year

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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

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St.George

Vertigo

13.99% p.a.

0% p.a. for 28 months and then 21.49% p.a.

$55

Thumbnail icon for Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)

$59 $0 in the first year

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ING

Orange One Low Rate Credit Card

11.99% p.a.

No current offer

$0

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ME

frank Credit Card

11.99% p.a.

No current offer

$0

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NAB

StraightUp Card

0% p.a.

No current offer

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