St.George
St.George

St.George No Annual Fee

Purchase Rate
20.74% p.a.
Cash Advance Rate
21.49% p.a.
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Interest Free
Up to 55 days
Annual Fee
$0.00
Balance Transfer Rate
0% p.a. for first 12 months
  • Special offer - 0% p.a. for 12 months on balance transfers, requested at card application. 1% balance transfer fee applies^. Variable cash advance rate applies after 12 months.
  • Enjoy the freedom and security of credit when you need it most.
  • No annual fee credit card that is ideal for providing cash or credit in an emergency.
  • Pay no annual fee and get peace of mind with access to cash when funds are tight or if you need money urgently.
  • Get up to 3 free additional credit cards for your friends or family members

Key Features
Rewards Program
Rewards
Joining Fee
-
Annual Fee
$0.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Fee & Repayments

Annual Fee $0.00
Annual Fee First Year $0.00
Rewards Joining Fee -
Supplementary Card Fee $0.00
Minimum Repayment Greater of 2% or $10.00
Interest Charged From PurchaseDate
Late Payment Fee $15.00

Other Charges

Duplicate Statement Fee $7.50
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $10.50
Overseas ATM Withdrawal Fee $0.00
Over Limit Fee $15.00
Overseas Emergency Card Replacement Fee $52.50
Terms & Conditions
^As at 7 April 2020, the contactless transaction limit has been temporarily increased from $100 to $200. This is a temporary increase that is progressively being rolled out and will be only available on certain St.George cards and payment terminals at certain retailers. Customers are encouraged to follow the prompts at each terminal to determine whether a PIN is required. This increase to the contactless limit is part of an industry-wide response to help reduce the spread of COVID-19.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.