$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.

Virgin No Annual Fee Credit Card

Virgin No Annual Fee Credit Card

Pay no annual fee with the Virgin No Annual Fee Credit Card which offers a low interest rate of 0.9% p.a. for 15 months on balance transfers and up to 44 interest free days on purchases.

  • $0 p.a. annual fee
  • 18.99% p.a. on purchases
  • 0.9% p.a. for 15 months on balance transfers
  • Cash Advance Rate of 20.99% p.a.
  • Up to 44 days interest free
  • Minimum Income Requirement of $25,000 p.a.

Compare these cards with a comparison of balance transfer credit cards.

Balance Transfer Credit Cards with $0 Annual Fee Comparison

Rates last updated August 29th, 2015
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
HSBC Platinum Credit Card
Earn rewards points plus a balance transfer offer. Access to Platinum benefits 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
Coles No Annual Fee MasterCard
Enjoy a low balance transfer offer and a no annual fee for the life of the card.
19.99% p.a. 0% p.a. for 6 months $0 p.a. 19.99% p.a. Go to site More info
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
Westpac 55 Day Platinum Credit Card
Get a balance transfer offer of 0% p.a. for 16 months, 55 interest-free days on purchases with $0 p.a. annual fee for the first year.
19.84% p.a. 0% p.a. for 16 months $0 p.a. annual fee for the first year ($90 p.a. thereafter) 21.29% p.a. Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you spend $300 within the first 3 months and up to 2.00 points for every dollar you spend, together with a $0 annual fee. Offer ends on 30 September 2015.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
American Express Qantas Discovery Card
Enjoy up to 7,500 extra Qantas Frequent Flyer Points and a guarantee of 1.000 points on every dollar you spend with the card, plus 0.99% p.a. on balance transfers for 6 months, all for a 0% annual fee. Offer ends on 30 September 2015.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
Virgin No Annual Fee Credit Card
Enjoy a balance transfer offer of 0.9% p.a. for 15 months.
18.99% p.a. 0.9% p.a. for 15 months $0 p.a. 20.99% p.a. Go to site More info
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 with 2% balance transfer fee $0 p.a. annual fee for the first year ($87 p.a. thereafter) 21.49% p.a. Go to site More info

$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 August 29th, 2015.

HSBC Platinum Credit Card

$0 Annual fee for life + 0% for 8 months on balance transfers offer extended until 31 October 2015

August 1st, 2015

HSBC Credit Card

$0 Annual fee for life + 0% for 6 months on balance transfers offer extended until 31 October 2015

August 1st, 2015

ANZ Platinum Credit Card

This balance transfer offer has been extended by ANZ for the foreseeable future.

August 20th, 2015

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
HSBC Platinum Credit Card
Earn rewards points plus a balance transfer offer. Access to Platinum benefits 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
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you spend $300 within the first 3 months and up to 2.00 points for every dollar you spend, together with a $0 annual fee. Offer ends on 30 September 2015.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
HSBC Credit Card
No annual fee for the life of the card plus a competitive 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
American Express Qantas Discovery Card
A no annual fee frequent flyer credit card from American Express. Earn 1.000 Qantas Frequent Flyer point per $1 spent.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
Coles No Annual Fee MasterCard
Pay no annual fee ever and received enjoy up to 62 interest free days.
19.99% p.a. 0% p.a. for 6 months $0 p.a. 19.99% p.a. Go to site More info
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 with 2% balance transfer fee $0 p.a. annual fee for the first year ($87 p.a. thereafter) 21.49% p.a. Go to site More info
Virgin No Annual Fee Credit Card
Enjoy a balance transfer offer of 0.9% p.a. for 15 months.
18.99% p.a. 0.9% p.a. for 15 months $0 p.a. 20.99% p.a. Go to site More info
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10 Responses to $0 Annual Fee and 0% Balance Transfer Credit Cards

  1. Default Gravatar
    abe | January 19, 2015

    can i transfer my personal loan to a credit card of another bank n pay no interest or annual fee

    • Default Gravatar
      Khamsy | April 24, 2015

      If I want to borrow a loan to do business about 30000 to open another 2 Bistro in club. What can do pls?

    • Staff
      Jonathan | April 24, 2015

      Hi Khamsy, thanks for your inquiry!

      In regards to $0 annual fee and 0% balance transfer cards, the amount of funds/ credit that is available for use is up to the bank/ lender’s criteria and lending policies, based upon on the individual financial situation. For more information on credit limits on credit cards please see this page. You may also like to refer to the following link for a guide and a list of personal loans.

      Cheers,

      Jonathan

    • Staff
      Jonathan | January 20, 2015

      Hi Abe,

      Thanks for your question,

      Please see this page for a list of which financial institutions let you transfer the balance from a personal loan to a credit card.

      I hope this helps!

      Cheers,

      Jonathan

  2. Default Gravatar
    Allison | January 15, 2015

    Hello,
    I’m looking at doing a balance transfer to wipe out my current credit card but would like to know if I am legible because I have been doing full time temp work and working a full week every week since April and also have a second job which are both secure, will this disadvantage me?

    • Staff
      Jonathan | January 16, 2015

      Hi Allison,

      Thanks for your question!

      In regards to applying for credit cards the application requirements can vary slightly depending on the credit provider. Minimum income requirements vary for each lender and credit card, please see this page for more information about minimum income requirements on credit cards.
      Balance transfers can be an ideal way to manage credit card debt. The maximum amount you can transfer to the card (maximum balance transfer limit) is determined by the credit limit of the card. Most cards will let you transfer up to the credit limit but there are some cards that may let you transfer only up to a percentage of the credit limit usually 95%. Please see this page for more information regarding balance transfer limits.

      If there was a specific credit card you were inquiring about feel free to ask any questions.

      I hope this helps!

      Cheers,

      Jonathan

  3. Default Gravatar
    Chris | October 6, 2014

    Not a question, but I can ALMOST guarantee that there is absolutely NO WAY, I’d get a credit card from you. The reason for this, is I’m a victim of circumstances beyond my control. I had people share a house with me when I lived in Peterborough. These people NEVER put in for rent, or utilities, leaving me well over $2k in debt. I now have black marks on my credit file, thanks to these selfish people. This will stay there for about another 4 years. I KNOW I’ll NEVER get ANY finance from you people, or mainstream financial companies, or banks due to this reason.

    • Staff
      Elizabeth | October 7, 2014

      Hi Chris,

      Unfortunately this is correct, many lenders are unlikely to approve a credit card to someone if you have bad credit history. You do, however, have access to other forms of finance such as bad credit loans. Just keep in mind the rates and fees for these types of loans are generally much higher than with other mainstream loans, although they are an option for you.

      Thanks,

      Elizabeth

  4. Default Gravatar
    Margaret | October 3, 2014

    Please post what the interest rates are after the initial 12 month period.

    • Staff
      Elizabeth | October 3, 2014

      Hi Margaret,

      Thanks for the question.

      Generally, the balance transfer rate will revert to either the cash advance rate or the purchase rate of the card. That being said, the interest rate that the card reverts to will depend on which card you’re looking at. If you look at the individual reviews of the card (by following the links on this page) the revert rate will be listed on the page.

      I hope this has helped.

      Thanks,

      Elizabeth

Credit Cards Comparison

Rates last updated August 29th, 2015
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
St.George Vertigo Platinum
A platinum card with a low interest rate on balance transfers and purchases with a low annual fee.
0% p.a. for 3 months (reverts to 12.74% p.a.) 0% p.a. for 20 months $99 p.a. 21.49% p.a. Go to site More info
NAB Low Rate Credit Card
Low ongoing interest rate on purchases and balance transfers.
0% p.a. for 12 months (reverts to 13.99% p.a.) 4.99% p.a. for 6 months $59 p.a. 21.74% p.a. Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you spend $300 within the first 3 months and up to 2.00 points for every dollar you spend, together with a $0 annual fee. Offer ends on 30 September 2015.
20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Go to site More info
HSBC Platinum Credit Card
Earn rewards points plus a balance transfer offer. Access to Platinum benefits 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

* 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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