$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 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.

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn Velocity Points on everyday purchases. Transfer your debts with a low balance transfer offer. 20.74% p.a. 0% p.a. for 14 months $129 p.a. 20.99% p.a. Apply Now For The Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Read More About The Virgin Australia Velocity Flyer Card - Balance Transfer Offer
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. Apply Now For The HSBC Credit Card
Read More About The HSBC Credit Card
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 12 months $58 p.a. 21.74% p.a. Apply Now For The ANZ Low Rate
Read More About The ANZ Low Rate
Citibank Clear Platinum Card
Citibank Clear Platinum Card
A low rate platinum credit card with a great balance transfer offer. 0% p.a. for 6 months (reverts to 12.99% p.a.) 0% p.a. for 6 months $49 p.a. annual fee for the first year ($99 p.a. thereafter) 0% p.a. for 6 months (reverts to 21.74% p.a.) 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 and balance transfers. 11.99% p.a. 0% p.a. for 13 months $59 p.a. 21.99% p.a. Apply Now For The Bankwest Breeze MasterCard
Read More About The Bankwest Breeze MasterCard

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

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. Apply Now For The HSBC Credit Card
Read More About The HSBC Credit Card
Commonwealth Bank Low Fee Credit Card
Commonwealth Bank Low Fee Credit Card
A credit card with a low interest rate. Receive up to $200 cash back when you apply between 1 March 2014 and 30 April 2014. 19.74% p.a. 5.99% p.a. for 5 months $24 p.a. ($0 for qualifying customers) 21.24% p.a. Apply Now For The Commonwealth Bank Low Fee Credit Card
Read More About The Commonwealth Bank Low Fee Credit Card
Virgin No Annual Fee Credit Card
Virgin No Annual Fee Credit Card
Virgin Money have re-entered the credit card market with two new credit cards, including their Virgin No Annual Fee Credit Card. 18.99% p.a. 0% p.a. for 6 months $0 p.a. 20.99% p.a. 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
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 12 months $0 p.a. (for eligible customers, $87 p.a otherwise) 21.49% p.a. Apply Now For The ANZ Platinum Credit Card
Read More About The ANZ Platinum Credit Card

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Credit Cards Comparison

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
American Express Qantas Discovery Card
American Express Qantas Discovery Card
Benefit from not ever having to pay an annual fee. Plus earn 1 Qantas Point per $1 spent on all your everyday purchases. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. Apply Now For The American Express Qantas Discovery Card
Read More About The American Express Qantas Discovery Card
Westpac Low Rate Card
Westpac Low Rate Card
A low interest rate credit card with a low annual fee and long term balance transfer offer. 13.49% p.a. 0% p.a. for 14 months $45 p.a. 21.49% p.a. Apply Now For The Westpac Low Rate Card
Read More About The Westpac Low Rate Card
St.George Vertigo MasterCard
St.George Vertigo MasterCard
A low balance transfer rate and ongoing purchase rate. 13.24% p.a. 0% p.a. for 14 months $55 p.a. 21.49% p.a. Apply Now For The St.George Vertigo MasterCard
Read More About The St.George Vertigo MasterCard
Bankwest Breeze MasterCard
Bankwest Breeze MasterCard
Low ongoing purchase rate from Bankwest, with an introductory rate on balance transfers. 11.99% p.a. 0% p.a. for 13 months $59 p.a. 21.99% p.a. Apply Now For The Bankwest Breeze MasterCard
Read More About The Bankwest Breeze MasterCard
Citibank Clear Platinum Card
Citibank Clear Platinum Card
Low rate credit card offer with a low balance transfer rate. Also comes with platinum privileges and benefits. 12.99% p.a. 0% p.a. for 12 months $49 p.a. annual fee for the first year ($99 p.a. thereafter) 21.74% p.a. Apply Now For The Citibank Clear Platinum Card
Read More About The Citibank Clear Platinum Card

* 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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