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No Annual Fee Visa


Pros and Cons

  • No Annual Fee


    Electronic Wallet Service

    Important Rates


    Balance Transfer

    Overseas spending



    • Free Supplementary Cards


    As you might expect, the St.George No Annual Fee Visa card comes with no annual fee, as well as a high interest rate, a moderate interest-free period and a low minimum credit limit. It also has a moderately low late payment fee.

    The card comes with a 0 per cent introductory balance transfer rate for people wanting to transfer debt from another card (a 1 per cent balance transfer fee applies).

    Those wishing to share a credit card account can also take advantage of St.George No Annual Fee Visa card’s allowance for up to three additional cardholders at no added cost.

    Security-wise, cardholders are protected by 24/7 fraud monitoring for suspicious transactions as well as Verified by Visa services. Visa PayWave also allows customers to make tap-and-go payments in-store for transactions under $100.

    • No annual fee
    • Three free additional cardholders
    • Moderately low late payment fee
    • High interest rate
    • No rewards program
    • No complimentary insurance

    Who is it good for?

    This card may suit people who want a credit card to use occasionally but are comfortable paying off their balance on time each month. It also may suit those who want to cut down on unnecessary fees (such as an annual fee, in this case).

    Families and other people wishing to share a credit card may also benefit from this card’s allowance for up to three supplementary cardholders at no added cost.

    Likewise, the St.George No Annual Fee Visa card may be a good option for customers wanting to pay down existing debt transferred from another card without having to pay interest for a period of time.

    On the other hand, this card probably isn’t an appropriate option for big spenders or regular travellers as it isn’t associated with a rewards program or a frequent flyer program.

    What RateCity says

    The St.George No Annual Fee Visa card offers limited advantages to the average cardholder. The most obvious drawcards are the $0 annual fee, the balance transfer deal and the allowance for free additional cardholders.

    However, given that this card has a high interest rate, it doesn’t offer any of the additional benefits you might expect from a high-rate card, such as rewards-earning potential or complimentary insurance. For those taking advantage of the balance transfer offer, there aren’t many other upsides to this card once the offer period is over.

    Similarly, if you are drawn to this card due to its $0 annual fee, you may be better off shopping around to see if you can find another no-fee card that comes with a lower interest rate or a rewards program.


    To be eligible for the St.George No Annual Fee Visa card, you must be at least 18 years old and an Australian permanent resident or citizen, as well as meet the bank’s serviceability criteria. When you apply, you will need to provide proof of ID, proof of income and employment (such as bank statements and payslips) and information about your financial commitments you have. Applications can be completed at the St.George website or in-branch.

    About St.George Bank

    St.George Bank was established in 1937 and is today owned by Westpac Group. Most of the bank’s customer base is in New South Wales and South Australia (through its subsidiary, BankSA). St.George Bank provides a range of personal finance products like credit cards, personal loans, bank accounts and home loans, as well as various business and corporate finance products. Customers can manage their banking through St.George’s internet banking portal, the mobile banking app or by visiting a branch.

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