$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.

Balance Transfer Credit Cards with $0 Annual Fee Comparison

Rates last updated December 22nd, 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
Virgin No Annual Fee Credit Card
Virgin No Annual Fee Credit Card
Take advantage of the 0% p.a. for 14 months balance transfer offer. 18.99% p.a. 0% p.a. for 14 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
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
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
Westpac 55 Day Credit Card - Exclusive Offer
Westpac 55 Day Credit Card - Exclusive Offer
A low interest rate offer on balance transfers with $30 p.a. annual fee. 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. annual fee for the first year ($30 p.a. thereafter) 21.29% p.a. Go to site More info
Westpac 55 Day Platinum Card - Exclusive Offer
Westpac 55 Day Platinum Card - Exclusive Offer
No annual fee for the first year (and subsequent years) if you spend over $10,000 per annum. 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. annual fee for the first year ($90 p.a. thereafter) 21.29% p.a. Go to site More info
American Express Qantas Discovery Card
American Express Qantas Discovery Card
A no annual fee frequent flyer credit card from American Express. Earn 1.000 Qantas Points per $1 spend. 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 Velocity Escape Card
American Express Velocity Escape Card
Receive 10,000 Velocity bonus points when you spend $300 in the first 3 months. Plus $0 annual fee. 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 Platinum Edge Credit Card
American Express Platinum Edge Credit Card
Receive a complimentary domestic economy return flight every year and earn rewards points on everyday purchases. Apply now to receive 5,000 Membership Rewards Bonus Points. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
Bankwest Zero MasterCard
Bankwest Zero MasterCard
No annual fee. No joining fee credit card. 17.99% p.a. 2.99% p.a. for 9 months $0 p.a. 21.99% p.a. Go to site More info
BoQ Low Rate Visa Card
BoQ Low Rate Visa Card
13.49% p.a. 0% p.a. for 6 months $0 p.a. annual fee for the first year ($55 p.a. thereafter) 21.49% p.a. Go to site More info
American Express Platinum Rewards Credit Card
American Express Platinum Rewards Credit Card
Pay no annual fee for the first year and earn points on purchases with the American Express Membership Rewards program. 20.74% p.a. 0.99% p.a. for 6 months with 1% balance transfer fee $0 p.a. annual fee for the first year ($80 p.a. thereafter) 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 December 22nd, 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 Platinum MasterCard
28 Degrees Platinum MasterCard
Benefit from no international transaction fees on purchases, no currency conversion fees and no annual fee. 20.99% p.a. $0 p.a. 20.99% p.a. Go to site More 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. 17.99% 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. 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
Take advantage of the 0% p.a. for 14 months balance transfer offer. 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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4 Responses to $0 Annual Fee and 0% Balance Transfer Credit Cards

  1. 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

  2. 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 December 22nd, 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
Citi Simplicity Card
Citi Simplicity Card
$0 annual fee credit card with a long term balance transfer offer. 19.99% p.a. 0% p.a. for 12 months $0 p.a. 19.99% 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
NAB Low Rate Credit Card
NAB Low Rate Credit Card
Low ongoing interest rate on everyday purchases. 0% p.a. for 15 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
Westpac Low Rate Card
Westpac Low Rate Card
A low interest rate credit card with a low annual fee and balance transfer offer. 13.49% p.a. 0% p.a. for 16 months $59 p.a. 21.49% p.a. Go to site More info
American Express Qantas Discovery Card
American Express Qantas Discovery Card
Receive 7500 Qantas Points and pay no annual fee ever. 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. Go to site More info
HSBC Platinum Qantas Credit Card
HSBC Platinum Qantas Credit Card
Introductory balance transfer offer and 2 international Qantas Club lounge passes every year. 19.99% p.a. 0% p.a. for 6 months $199 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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