If you’re after a card with no extra costs, you’ll want to see how to apply for the St. George No Annual Fee Credit Card.
It also comes with up to 55 days interest-free on purchases, as long as you’re not withdrawing cash. That gives you extra time to pay off your purchases without any additional charges.
In short, it’s the perfect choice if you’re looking for a straightforward, low-cost credit card.
It’s also a great option if you want to keep your spending below average and don’t want the hassle of needing to hit a minimum spend to avoid annual fees, as this card doesn’t require any spending conditions for fee waivers.
Before applying, make sure you meet the basic requirements:
Who can apply?
- You need to be 18 years or older.
- You must be an Australian or New Zealand citizen or hold an acceptable Australian visa with at least 12 months before expiry.
- You must live at a fixed residential address in Australia.
- You need to have a steady, verifiable income for at least 3 months, or 18 months if self-employed.
- You should have a good credit score, meaning you’re up-to-date with regular payments like rent, home loans, phone bills, other credit cards, and loans.
Documents and additional information needed for credit assessment:
- ID: Australian driver’s licence, Medicare card, passport, or Australian birth certificate.
- Proof of income: You can provide recent payslips, government statements, or rental income proof, if applicable.
- For self-employed applicants: Recent business bank statements and a previous ATO Notice of Assessment.
- You’ll also need to declare your monthly expenses and any current debts, including loans, other credit cards, or instalment plans like Zip Pay.
What is the credit limit for the St. George No Annual Fee card?
Since this is a basic card designed to help you learn to manage credit, the initial limit may be lower than other more premium cards.
The minimum limit is $500, giving you more control over your spending.
However, as you show responsible card usage and keep up with payments, you may gradually receive credit limit increases or card upgrades.
How to apply for the St. George No Annual Fee Credit Card: A complete guide
- Start by clicking the “Apply Now” button and choose whether you’re already a St. George customer or not.
- To confirm your eligibility, answer a few questions such as: “Have you had regular income over the last 3 months?”, “Do you have at least $100 left each month after covering your expenses?” and “Have you kept your bills and loans up-to-date for the last 12 months?”
- Next, confirm that you want to proceed with your application and click “Apply Now.”
- Fill out the form with your personal details, contact information, and financial details.
- Review all your information and submit the required documents to verify your income and identity.
When will I get approval?
You can track your application status anytime through Internet Banking.
You’ll also receive updates via email or SMS as soon as there’s news from the assessment team regarding your application.
If you’d like a quick update, just reply to the SMS you received from our official number (+61437147672) with the word “Status.”
If, for any reason, your application is declined and you think it should be reconsidered, contact us at 1300 138 179, Monday to Friday, from 8:30 am to 5:00 pm.