St.George
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St.George

St.George No Annual Fee (0% p.a. for 12 months on balance transfers requested at card application with 1% BT fee. Reverts to cash advance rate currently 21.49%p.a.)

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. Offer ends 12 February 2020.
  • 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
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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
#Balance Transfer Promotion: The promotional balance transfer rate is available when you apply and are approved for a new Vertigo, No Annual Fee, Amplify Signature or Amplify Platinum credit card between 3rd October 2019 and 12th February 2020, and request at card application to transfer balance(s) from up to 3 non-St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. A balance transfer fee of 1% will apply to balance(s) transferred to a new No Annual Fee credit card and will be charged to the card account on the same day the balance(s) are debited to the account. No balance transfer fees apply to Vertigo, Amplify Signature or Amplify Platinum credit cards. At the end of the promotional period, the applicable variable cash advance rate will apply to any outstanding transferred balance(s). We will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). Interest free days on purchases do not apply to credit cards with balance transfers. You will be charged the applicable purchase rate on any spend that you make whilst you have an outstanding balance transfer.

* 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.

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