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No Annual Fee Card

Freedom and security of a credit card with no annual card fee
No Annual Fee Credit Card
Special offers
  • 0% p.a. for 12 months on balance transfers requested at card application. 2% balance transfer fee applies. Variable cash advance rate applies after the promotional period.#


  • No annual card 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.
No annual card fee
  • $0 annual card fee
  • 20.49% p.a. variable rate on purchases and cash advances
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 20.49% p.a. on purchases and cash advances
Annual card 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 $15 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, $15.00 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.

Switches, upgrades, or customers accessing employee benefits are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

#Balance Transfer promotion:
Available when you apply for a new Vertigo, Vertigo Platinum, No Annual Fee or Amplify credit card during 21st September 2017 and 22nd November 2017 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 95% of your approved available credit limit) for the promotional period. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. 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 do not apply to credit cards with balance transfers.
A balance transfer fee of 2% of the transferred balance(s) will be charged to the account on the same day the balance(s) are debited to the account.

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.