St.George No Annual Fee Credit Card

Not available for application via this website

St.George No Annual Fee Credit Card

3.2

Balance transfer

N/A

Purchase rate

20.99% p.a. ongoing

Interest-free days

Up to 55 days on purchases

Annual fee

$0.00 p.a. ongoing

Highlights

  • A basic credit card with no annual fee—ever.
  • Start with a credit limit as low as $500, helping you keep your spending in check.
  • You can add up to three additional cardholders at no extra cost, making it a convenient option for sharing account benefits.

Pros and cons

Pros

  • Get up to 55 interest-free days on purchases.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • This card does not include a rewards program, which is consistent with its positioning as a straightforward, no-frills option.
  • Ongoing rates are not low.
  • A 3% overseas transaction fee applies to international purchases

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes

Eligibility

Joint Application Accepted
Yes
Minimum Age
18 years
Minimum Credit Rating
Below Average, Fair, Good, Very Good, Excellent
Minimum Income
N/A
Temporary Residents Accepted
Yes

Additional cardholders

Additional Cardholders
3
Additional Card Fee Ongoing
$0.00

Credit limits

Minimum Credit Limit
$500.00
Maximum Credit Limit
$40,000.00

Repayments

Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
2%

Balance transfers

Balance transfer offer

Balance Transfer Rate
N/A
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A

Balance transfer conditions

Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A

Rates, fees, charges

Cash advances

Cash Advance Rate
21.99% p.a.
Cash Advance Fee
N/A
Cash Advance Fee Percentage
3%
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
20.99% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$0.00
Dishonour Fee
N/A
Duplicate Statement Fee
N/A
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$15.00

Rewards

Rewards program basics

Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A

History

    User reviews

    Convenience

    Customer service

    Rates and fees

    Rewards

    Trust

    Good if you're poor or for emergencies

    Reviewed by PoorSkye


    Easy and accessible

    Reviewed by Eneri


    Pleased with this card, but wish I didn't need it

    Reviewed by Demi


    Got into a lot of debt

    Reviewed by Cheryl Allen


    No annual fee / high interest credit card

    Reviewed by Ricky


    I wish the interest charges were lower

    Reviewed by Helena


    Planning on switch

    Reviewed by Mary


    Having no fee makes it the perfect credit card

    Reviewed by Leanne


    Simple to use, even for young people

    Reviewed by Georgia


    Low limit and no fee make it a great starter card

    Reviewed by Ian


    Would you like to review this product? Click here to write your review and help others make a better decision.

    As seen on

    Media - The Sydney Morning Herald
    Media - Yahoo Finance
    Media - News.com.au
    Media - Daily Mail Australia
    Media - Australian Fintech
    Media - Dynamic Business