$0 Annual Fee and 0% Balance Transfer Credit Cards

Repay your existing credit card debt and save money with no extra fees or charges. Compare the balance transfer offers below and find out which card will save you the most money today.

The offers 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.

Westpac 55 Day credit card

Westpac Credit Card Offer

Pay $0 annual fee for the first year with Westpac 55 Day Credit Card which offers a low interest rate of 0% p.a. for 16 months on balance transfers and up to 55 interest free days on purchases.

  • $0 p.a. annual fee for the first year ($30 p.a. thereafter) annual fee
  • 1% p.a. for 12 months (reverts to 19.84% p.a.) on purchases
  • 0% p.a. for 16 months on balance transfers
  • Cash Advance Rate of 21.29% p.a.
  • Up to 55 days interest free

Compare these cards with a comparison of balance transfer credit cards

Compare balance transfer credit cards with $0 annual fee

Rates last updated September 23rd, 2016.

Virgin No Annual Fee Credit Card

Balance transfer offer has been extended to 30 September 2016.

August 25th, 2016

ANZ Platinum Credit Card

0% p.a. for 18 months on balance transfers and $0 annual fee in the first year.

August 30th, 2016

ANZ Platinum Credit Card

New balance transfer offer of 0% p.a. for 18 months plus annual fee waiver in the first year.

August 31st, 2016

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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
Westpac 55 Day credit card
Enjoy a balance transfer offer of 0% p.a. for 16 months, an introductory purchase rate of 1% p.a. for up to 12 months, plus a waived annual fee for the first year if applied by 11 October 2016.
0% p.a. for 16 months 1% p.a. for 12 months (reverts to 19.84% p.a.) $0 p.a. annual fee for the first year ($30 p.a. thereafter) Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
0% p.a. for 12 months with 1% balance transfer fee 14.99% p.a. $0 p.a. Go to site More info
Virgin No Annual Fee Credit Card
No annual fee for the life of the card with $100 cashback and a 0% p.a. offer on balance transfers for 18 months. Spend criteria applies for cashback offer.
0% p.a. for 18 months with 2% balance transfer fee 18.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
0% p.a. for 15 months 19.99% p.a. $149 p.a. Go to site More info
Westpac 55 Day Platinum Credit Card
Enjoy platinum benefits offering complimentary insurances, 24/7 concierge, balance transfer offer of 0% p.a. for 16 months, purchase rate offer of 1% p.a. for 12 months with $0 annual fee for the first year if applied by 11 October 2016.
0% p.a. for 16 months 1% p.a. for 12 months (reverts to 19.84% p.a.) $0 p.a. annual fee for the first year ($90 p.a. thereafter) Go to site More info
American Express Qantas Discovery Card
Enjoy up to 7,500 extra Qantas Frequent Flyer Points and 1 point per $1 spent, plus 0% p.a. on balance transfers for 12 months, all for a $0 annual fee.
0% p.a. for 12 months with 1% balance transfer fee 20.74% p.a. $0 p.a. Go to site More info
ANZ Platinum Credit Card
Enjoy platinum card benefits with $0 annual fee in the first year and complimentary overseas travel and medical insurance.
0% p.a. for 18 months with 3% balance transfer fee 19.74% p.a. $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info

Repay your existing debt with lower interest by using a balance transfer and also avoid paying an annual fee.

Compare no annual fee credit cards

Rates last updated September 23rd, 2016.

Coles No Annual Fee MasterCard

New offer of 10,000 bonus points which is valid until 30 September 2016.

September 1st, 2016

Coles Platinum No Annual Fee MasterCard

New offer of 10,000 bonus points on sign up. Offer ends 30 September 2016.

September 1st, 2016

Commonwealth Bank Business Platinum Awards credit card

First year annual fee waiver has been extended until 31 October 2016.

September 2nd, 2016

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Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
Westpac 55 Day credit card
Enjoy a balance transfer offer of 0% p.a. for 16 months, an introductory purchase rate of 1% p.a. for up to 12 months, plus a waived annual fee for the first year if applied by 11 October 2016.
1% p.a. for 12 months (reverts to 19.84% p.a.) 0% p.a. for 16 months $0 p.a. annual fee for the first year ($30 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive $200 back when you spend $500 in the first 3 months. Also enjoy a $0 annual fee for the first year.
19.74% p.a. $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with $0 annual fee for the life of the card.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
Virgin No Annual Fee Credit Card
No annual fee credit card with $100 cashback and a long term low rate balance transfer offer of 0% p.a. for 18 months with 2% balance transfer fee. Spend criteria applies for cashback offer.
18.99% p.a. 0% p.a. for 18 months with 2% balance transfer fee $0 p.a. Go to site More info
Coles No Annual Fee MasterCard
Earn 10,000 bonus points, 1 flybuys point per $2 spent and enjoy no annual fee for the life of the card.
19.99% p.a. 0% p.a. for 6 months $0 p.a. Go to site More info
Westpac 55 Day Platinum Credit Card
Enjoy platinum benefits offering complimentary insurances, 24/7 concierge, balance transfer offer of 0% p.a. for 16 months, purchase rate offer of 1% p.a. for 12 months with $0 annual fee for the first year if applied by 11 October 2016.
1% p.a. for 12 months (reverts to 19.84% p.a.) 0% p.a. for 16 months $0 p.a. annual fee for the first year ($90 p.a. thereafter) Go to site More info
American Express Qantas Discovery Card
Earn up to 7,500 bonus Qantas Frequent Flyer points, plus take advantage of no annual fee for the life of the card. Earn 1 Qantas Frequent Flyer point per $1 spend.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
ANZ Platinum Credit Card
Enjoy platinum card benefits with $0 annual fee in the first year and complimentary overseas travel and medical insurance.
19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
28 Degrees Platinum MasterCard
No annual fee for life, up to 55 days interest-free on purchases and no foreign transaction fees.
21.99% p.a. 4.99% p.a. for 6 months $0 p.a. Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you meet the minimum spend requirement and earn up to 2 points for every $1 you spend, together with a $0 annual fee.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Go to site More info
ANZ First Student Card
An ideal credit card for students with 44 days interest-free on purchases with $0 annual fee in the first year. Access your account on the go with the goMoney™ app.
19.74% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) Go to site More info
Citi Simplicity Card
Pay no annual fee to ever, plus receive access to complimentary purchase insurance and the Citibank Dining Program.
11.99% p.a. for 24 months (reverts to 19.99% p.a.) $0 p.a. Go to site More info
Coles Platinum No Annual Fee MasterCard
Receive 10,000 bonus points on sign-up and enjoy a low balance transfer offer, no annual fee ever with 24/7 platinum concierge service.
19.99% p.a. 0% p.a. for 6 months $0 p.a. Go to site More info
Commonwealth Bank Business Platinum Awards credit card
Earn up to 3 Awards points per dollar spent, enjoy complimentary insurances and $0 annual fee for the first year.
20.74% p.a. $0 p.a. annual fee for the first year ($300 p.a. thereafter) Go to site More info

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

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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 issuer. 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 September 23rd, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 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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