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No Annual Fee Card

Freedom and security of a credit card with no annual fee
No Annual Fee Card

Special offers

  • % p.a. for 18 months on balance transfers, requested at card application1
  • % p.a. for up to 12 months on purchases from card approval*.

Variable purchase rate applies after the promotional periods. Offers end 4 January 2017.

Essentials

  • No annual fee for the life of your card
  • Credit limits starting from $500
  • The flexibility of a credit card without the burden of an annual fee
  • Up to 55 days interest free on purchases.
Apply now
No annual fee
  • $0 annual fee
  • % p.a. variable rate on purchases and cash advances.
Promotional balance transfer rate % p.a. for 18 months on balance transfers, requested at card application1. Variable purchase rate applies after 18 months. Calculate how much interest you could save!
Promotional purchase rate % p.a. for up to 12 months on purchases from card approval*.
Interest free days on purchases Up to 55 days interest free on purchases when you pay the closing balance (including any balance transfer amount) in full by the statement due date.
Low credit limit Minimum low credit limit of $500
Additional cardholders 3 additional cardholders at no extra cost.2
Secure shopping Shop online with Verified by Visa knowing your internet purchases and payments are safer and more secure.
24/7 Fraud monitoring
  • Detection of suspicious purchase transactions
  • Find out more about fraud protection and what to do when you suspect fraud
Interest rates - variable % p.a. on purchases and cash advances.
Promotional balance transfer rate % p.a. for 18 months on balance transfers, requested at card application1. Variable purchase rate applies after 18 months. Calculate how much interest you could save!
Promotional purchase rate % p.a. for up to 12 months on purchases from card approval*.
Annual fee $0
Additional card holders Get up to 3 extra cards for additional cardholders at no additional cost.
Foreign Transaction Fee

A 3% Foreign transaction fee is payable as a percentage of the Australian dollar value of any Foreign transaction.

Foreign transaction is any transaction made using the Card:

  • in a currency other than Australian dollars; or
  • in Australian dollars or any other currency with a merchant located outside Australia; or
  • in Australian dollars or any other currency that is processed by an entity located outside Australia.

Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia.

Cash Advance Fee 2% of each cash advance amount and all transfers (including, without limitation, transfers by Internet Banking or Phone Banking), from your credit card account with a minimum of $2.50.
Late Payment Fee $9 applied for each late or missed payment.
Card Replacement Fees
  • $15 per card within Australia
  • $52.50 per card outside of Australia
  • $45 per Emergency/Urgent Replacement Card.
Over-limit Fee If your card account was opened before 4 June 2012, $9.00 applied once per statement period if a transaction is made for an amount exceeding the available credit at the date the transaction is debited to your credit card account.
Automatic Payment Dishonour Fee $9 applied for each payment dishonoured made under the automatic payment plan.
Statement Copy Fee
  • $4.50 for requests via Phone Banking or Internet Banking
  • $7.50 for all other requests.
Other fees and charges Credit cards fees and charges.
*Things you should know
Visa Worldwide Pte LTD ('Visa') Service Association charges us 1.0% of the transaction amount where a transaction is made using your Visa Card and the merchant or financial institution accepting the card is located outside of Australia. We pass this amount on to our customers.
These fees also apply to cards that are no longer for sale. See Credit Cards Fees and Charges for details.
Apply online Apply now. It takes just 10 minutes and anyone can apply online!
Call us 1300 784 934
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What you'll need Find out what information you need to provide to become a customer

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Important information

Conditions, fees and credit criteria apply.

View the terms and conditions:

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this information, please consider if it's right for you.

Offers are not available in conjunction with any special offers that are not listed on www.stgeorge.com.au. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

1. The promotional balance transfer rate is available when you apply for a new St.George No Annual Fee credit card between 30 September 2016 and 4 January 2017 and request at application to transfer balance(s) from non- BankSA, Bank of Melbourne and St.George Australian issued credit, charge or store cards. The variable purchase interest rate applies to balance transfers requested at any other time. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. The balance transfer rate is not available in conjunction with any other promotion unless specified. Promotional rate will apply to any balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. The variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. Card activation will trigger the processing of the balance transfer. St.George 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 don’t apply to balance transfers.

2. Three additional cards can be issued on the primary cardholder's credit card account to any nominated person 16 or older provided the account is not a joint account. All transactions using an additional card will be the responsibility of the primary cardholder.

*The introductory rate of % p.a. on purchases is available when you apply for a new St.George credit card between 30 September 2016 and 4 January 2017. The introductory rate will be applied from card approval and expires 12 months after the date of card approval. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard variable purchase rate then applicable to your card account.