$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.

Citi Simplicity Card

Citibank Credit Card Offer

Pay no annual fee ever with the Citi Simplicity Card which offers a low interest rate of 0% p.a. for 12 months on balance transfers and up to 55 interest free days on purchases.

  • $0 p.a. annual fee
  • 19.99% p.a. on purchases
  • 0% p.a. for 12 months on balance transfers
  • Cash Advance Rate of 19.99% p.a.
  • Up to 55 days interest free
  • Minimum Income Requirement of $35,000 p.a.

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

Rates last updated October 2nd, 2014

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
Citi Simplicity Card
Citi Simplicity Card
Get low balance transfer offer and no annual fee plus enjoy free bottles of wine from Citibank Dining Program. 19.99% p.a. 0% p.a. for 12 months $0 p.a. 19.99% p.a. Go to site More info
HSBC Credit Card
HSBC Credit Card
No annual fee for life, plus a low balance transfer offer. 17.99% p.a. 0% p.a. for 6 months $0 p.a. 21.99% p.a. Go to site More info
Virgin No Annual Fee Credit Card
Virgin No Annual Fee Credit Card
Spend $1,000 or more on retail purchases in your first 3 months to get the 0% p.a. for 14 months balance transfer offer. If spend criteria isn't met a rate of 0% p.a. for 6 months on balance transfers applies. 18.99% p.a. 0% p.a. for 14 months $0 p.a. 20.99% p.a. Go to site More info

Balance Transfer Credit Cards Comparison

$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

Rates last updated October 2nd, 2014

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
HSBC Credit Card
HSBC Credit Card
No annual fee for life, plus a low balance transfer offer. 17.99% p.a. 0% p.a. for 6 months $0 p.a. 21.99% p.a. Go to site More info
28 Degrees MasterCard
28 Degrees MasterCard
Benefit from no international transaction fees on purchases, no currency conversion fees and no annual fee. 20.99% p.a. 4.99% p.a. for 6 months $0 p.a. 20.99% p.a. Go to site More info
ANZ Platinum Credit Card
ANZ Platinum Credit Card
A low interest rate offer on balance transfers with a $0 annual fee for the first year. 19.74% p.a. 0% p.a. for 16 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) 21.49% p.a. Go to site More info
Commonwealth Bank Low Fee Credit Card
Commonwealth Bank Low Fee Credit Card
A credit card with a low interest rate and low annual fee. 19.74% p.a. 5.99% p.a. for 5 months $24 p.a. ($0 for qualifying customers) 21.24% p.a. Go to site More info
Bankwest Zero Platinum MasterCard
Bankwest Zero Platinum MasterCard
$0 foreign transaction fee with a $0 annual fee. 17.99% p.a. 2.99% p.a. for 9 months $0 p.a. 21.99% p.a. Go to site More info
Virgin No Annual Fee Credit Card
Virgin No Annual Fee Credit Card
Spend $1,000 or more on retail purchases in your first 3 months to get the 0% p.a. for 14 months balance transfer offer. If spend criteria isn't met a rate of 0% p.a. for 6 months on balance transfers applies. 18.99% p.a. 0% p.a. for 14 months $0 p.a. 20.99% p.a. Go to site More info

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Credit Cards Comparison

Rates last updated October 2nd, 2014
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
ANZ Low Rate
ANZ Low Rate
A low rate on purchases, balance transfer and a low annual fee. 13.49% p.a. 0% p.a. for 16 months $58 p.a. 21.74% p.a. Go to site More info
Westpac 55 Day Platinum Card
Westpac 55 Day Platinum Card
$0 annual fee with platinum benefits including a platinum concierge service, overseas travel insurance, extended warranty cover and purchase security cover. 19.84% p.a. 0% p.a. for 6 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($90 p.a. thereafter) (Annual fees waived for the first year. Annual fees of subsequent years are also waived when your yearly spend is $10k or more) 21.29% p.a. Go to site More info
HSBC Platinum Credit Card
HSBC Platinum Credit Card
Earn rewards points plus a balance transfer offer. Access to prestige services including a personal concierge service and VISA Platinum reward program. 19.99% p.a. 0% p.a. for 8 months $0 p.a. 21.99% p.a. Go to site More info
Westpac Low Rate Card
Westpac Low Rate Card
A low interest rate credit card with a low annual fee and balance transfer offer. 12.49% p.a. 0% p.a. for 14 months $45 p.a. 21.49% p.a. Go to site More info
HSBC Credit Card
HSBC Credit Card
No annual fee for the life of the credit card. Plus a low balance transfer offer. 17.99% p.a. 0% p.a. for 6 months $0 p.a. 21.99% p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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