The St. George credit card with no annual fee has no nasty surprises, like extra costs or minimum spending requirements to waive the annual fee.
First and foremost, it’s an ideal option for those starting their financial journey, wanting to learn how to handle a credit card, or simply looking for a basic, functional card.
In other words, it comes with an initial “educational” limit, which helps keep your spending in check to avoid unnecessary debt while you learn the best way to use credit.
Plus, when you link it to the ShopBack app, you can save by getting part of your money back from purchases at partner stores.
Discover all the positives of the St. George Credit Card with No Annual Fee
- No extra costs: As the name suggests, the main attraction is that you won’t pay any annual fee, regardless of how much you spend or how often you use the card.
- St. George App: Manage all your transactions and keep track of your balance in real-time with the bank’s user-friendly app.
- Compatible with Apple Pay and Google Pay: To make your everyday life even easier, the card is compatible with major digital wallets.
- Up to 55 days interest-free on purchases
- Cashback: Create an account on the ShopBack app to receive cashback on purchases made on the platform and paid with your St. George card. We’ll explain more about this in the next section!
How ShopBack Works
ShopBack is a rewards platform where holders of the St. George credit card with no annual fee can create an account to access exclusive offers.
You can do this either through the bank’s app or directly on the ShopBack website.
First, find products at over 4,000 partner stores online, then pay with your registered St. George credit card and wait for the bonus to show up in your account.
Finally, cashback can take up to 90 days to be deposited, after which you can use it for future purchases or withdraw it to your nominated bank account or PayPal.
Feel secure with the extra protections the card offers
- Fraud protection: If there’s any suspicious activity on your card, St. George has 24/7 monitoring to identify unusual transactions and prevent misuse.
- Real-time notifications: The system sends alerts immediately after a transaction is completed.
- Temporary card lock via the app: Lost your card or have questions about a transaction? Lock and unlock your card directly through the bank’s app without hassle.
- PIN verification and digital signature: To ensure the security of your purchases, all transactions require a PIN or a digital signature, providing an extra layer of protection.
Key Fees
While there’s never an annual fee, it’s important to be aware of some fees associated with certain transactions and situations:
- Annual fee: $0
- Purchase interest rate: 20.99% p.a.
- Cash advance interest rate: 21.99% p.a.
- Late or missed payment: $15
- Cash advance fee: 3% of the amount withdrawn
- Foreign currency conversion fee: 3% of the transaction amount in Australian dollars when making international purchases.
Final Analysis: Is it worth applying for the St. George Credit Card with No Annual Fee?
The St. George credit card with no annual fee is a practical option, especially if you’re looking for a card without major complications.
With the annual fee waived and the ability to use ShopBack to save, it becomes an interesting alternative for beginners in the credit card world or for those seeking a functional, low-cost option.
Moreover, the protective measures and user-friendly app make the experience even safer and more convenient.
If you want to start building your credit history responsibly and without extra fees, the St. George card with no annual fee could be the right choice.
Now we want to show you how to apply; check out the requirements and how to submit your application in just a few steps!