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$0 Annual Fee and 0% Balance Transfer Credit Cards



The offers featured on this page are designed to give you the pleasure of never having to pay a cent in interest or another annual fee again on your credit card. A balance transfer can give you breathing space to repay your debt in the special interest rate period.

HSBC Credit Card

Featured No Annual Fee Credit Card

The HSBC Credit card is a simple no annual fee credit card that avoids all the extra features that you don’t need. Instead this card focuses on saving you money with a $0 annual fee for the life of the card.

  • $0 annual fee
  • 17.99% p.a. on purchases
  • 0% p.a. for 6 months with 2% handling fee on balance transfers
  • Cash Advance Rate of 21.99% p.a.
  • 55 days interest free
  • Minimum Income Requirement of $20,000 p.a.

Compare these cards with a full list of balance transfer credit cards.

Balance Transfer Credit Cards Comparison

  Interest Rate (p.a.) Balance Transfer Rate (p.a.) Annual fee Cash Advance Rate (p.a.)  
Virgin Flyer Credit Card
Virgin Flyer Credit Card
Low rates on purchases and balance transfers, with a rewards program. 20.99% 1.9% for 9 months $99 20.99% Apply Now For The Virgin Flyer Credit Card Read More About The Virgin Flyer Credit Card
HSBC Credit Card
HSBC Credit Card
A great $0 annual fee credit card from HSBC. 17.99% 0% for 6 months with 2% handling fee $0 21.99% Apply Now For The HSBC Credit Card Read More About The HSBC Credit Card
ANZ Low Rate MasterCard - Balance Transfer
ANZ Low Rate MasterCard – Balance Transfer
Get in control of your finances with a low interest rate on purchases. 0% for 3 months (reverts to 13.24% ) 0% for 3 months $58 21.49% Apply Now For The ANZ Low Rate MasterCard - Balance Transfer Read More About The ANZ Low Rate MasterCard - Balance Transfer
Citibank Clear Platinum Card
Citibank Clear Platinum Card
A unique credit card offer with a very low rate on purchases and balance transfers. 11.99% 2.9% for 12 months $99 21.74% Apply Now For The Citibank Clear Platinum Card Read More About The Citibank Clear Platinum Card
Bankwest Breeze MasterCard
Bankwest Breeze MasterCard
Low interest rate on purchases with 55 interest free days and a balance transfer offer 10.99% 4.99% for 12 months $69 21.99% Apply Now For The Bankwest Breeze MasterCard Read More About The Bankwest Breeze MasterCard

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$0 Annual Fee Credit Cards

If you use your credit card on occasion, or repay your balance in full each month, $0 no annual fee credit cards are strongly worth considering.

Compare these cards with a full list of No Annual Fee credit cards.

No Annual Fee Credit Card Comparison

  Interest Rate (p.a.) Balance Transfer Rate (p.a.) Annual fee Cash Advance Rate (p.a.)  
Virgin No Annual Fee Credit Card
Virgin No Annual Fee Credit Card
A $0 Annual Fee offer from one of the most popular issuers. 18.99% 2.9% for 6 months $0 20.99% Apply Now For The Virgin No Annual Fee Credit Card Read More About The Virgin No Annual Fee Credit Card
ANZ Platinum Credit Card
ANZ Platinum Credit Card
No annual fee for the first year. Plus a low interest rate on balance transfers and purchases. 0% for 6 months (reverts to 19.24% ) 0% for 6 months $0 annual fee for the first year( $87 thereafter) 20.99% Apply Now For The ANZ Platinum Credit Card Read More About The ANZ Platinum Credit Card
HSBC Credit Card
HSBC Credit Card
No annual fee for the life of the card and a good balance transfer offer 17.99% 0% for 6 months with 2% handling fee $0 21.99% Apply Now For The HSBC Credit Card Read More About The HSBC Credit Card
Bankwest Zero Platinum MasterCard
Bankwest Zero Platinum MasterCard
Award winning credit card, featuring no annual fee and a low balance transfer offer. 1% for 6 months (reverts to 17.99% ) 4.99% for 12 months $0 18.99% Apply Now For The Bankwest Zero Platinum MasterCard Read More About The Bankwest Zero Platinum MasterCard
Westpac 55 Day Credit Card
Westpac 55 Day Credit Card
Enjoy $0 annual fee for the first 12 months plus 55 days interest free on purchases. 0% for 5 months (reverts to 19.59% ) 3.99% for 6 months $0 21.49% Apply Now For The Westpac 55 Day Credit Card Read More About The Westpac 55 Day Credit Card
American Express Gold Ascent Card
American Express Gold Ascent Card
No annual fee ever, with up to 44 days interest free on purchases and complimentary enrollment into the Membership Rewards program.
This credit card requires good credit and a minimum earnings of $50,000 per annum for application approval.
0% for 6 months (reverts to 20.74% ) $0 Apply Now For The American Express Gold Ascent Card Read More About The American Express Gold Ascent Card

 


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Popular Credit Card Offers

  Interest Rate (p.a.) Balance Transfer Rate (p.a.) Annual fee Cash Advance Rate (p.a.)  
Westpac Low Rate Card - 0% Offer
Westpac Low Rate Card - 0% Offer
A credit card with a low rate offer on both balance transfers and purchases, plus a low annual fee.0% for 6 months (reverts to 13.49% )0% for 6 months$4521.49%Apply Now For The Westpac Low Rate Card - 0% Offer Read More About The Westpac Low Rate Card - 0% Offer
Citibank Clear Platinum Card
Citibank Clear Platinum Card
Competitive interest rate on purchases and balance transfers offer.11.99% 2.9% for 12 months$9921.74%Apply Now For The Citibank Clear Platinum Card Read More About The Citibank Clear Platinum Card
St George Vertigo
St George Vertigo
Take advantage of this great offer from St.George with a low rate on purchases and a low balance transfer offer.13.24% 0.99% for 12 months$5521.49%Apply Now For The St George Vertigo Read More About The St George Vertigo
ANZ Platinum Credit Card
ANZ Platinum Credit Card
An introductory interest rate offer on balance transfers and purchases, plus a $0 first year annual fee.0% for 6 months (reverts to 19.24% )0% for 6 months$0 annual fee for the first year( $87 thereafter)20.99%Apply Now For The ANZ Platinum Credit Card Read More About The ANZ Platinum Credit Card