$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

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 p.a. annual fee for the life of the card.

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

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

Rates last updated September 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 siteMore info
ANZ Low Rate
ANZ Low Rate
Save with a low rate on purchases and balance transfers with a low annual fee and ongoing purchase rate. 13.49% p.a. 0% p.a. for 16 months $58 p.a. 21.74% p.a. Go to siteMore 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 siteMore 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 September 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 siteMore info
Commonwealth Bank Low Fee Credit Card
Commonwealth Bank Low Fee Credit Card
A credit card with a low interest rate. You could get 10 months at 0% p.a. interest on purchases. when you apply by 15 September 2014. 0% p.a. for 10 months (reverts to 19.74% p.a.) 5.99% p.a. for 5 months $24 p.a. ($0 for qualifying customers) 21.24% p.a. Go to siteMore 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 siteMore 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 siteMore info

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Credit Cards Comparison

Rates last updated September 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 siteMore info
Westpac 55 Day Platinum Card
Westpac 55 Day Platinum Card
Exclusive Offer to Credit Card Finder. 0% p.a. for 12 months on Purchases
$0 annual fee with platinum benefits including a platinum concierge service, overseas travel insurance, extended warranty cover and purchase security cover.
0% p.a. for 12 months (reverts to 19.84% p.a.) 3.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. 21.29% p.a. Go to siteMore 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 siteMore info
ANZ Frequent Flyer
ANZ Frequent Flyer
Get 50,000 bonus Qantas Points once you spend $1,500 on eligible purchases within 3 months. Earn 1.00 point per $1 spent on your AMEX and 0.50 points per $1 spent on your Visa. 19.99% p.a. $95 p.a. (which includes a $40 annual account fee and a $55 Rewards Program services fee) 21.49% p.a. Go to siteMore info
Coles No Annual Fee MasterCard
Coles No Annual Fee MasterCard
Enjoy a low interest rate plus a $0 annual fee. 17.99% p.a. 0% p.a. for 6 months $0 p.a. 17.99% p.a. Go to siteMore 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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