$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.

$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 January 31st, 2015

Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
Coles No Annual Fee MasterCard
Coles No Annual Fee MasterCard
Enjoy a long term balance transfer offer, no annual fee for the life of the card whist earning flybuys points. 19.99% p.a. 0% p.a. for 18 months $0 p.a. 19.99% p.a. 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
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
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
Virgin Australia Velocity Flyer Card - 20k Bonus Points and Balance Transfer Offer
Virgin Australia Velocity Flyer Card - 20k Bonus Points and Balance Transfer Offer
Earn up to 20,000 bonus Velocity points. Redeem your Velocity Points for more flights or other great rewards. 20.74% p.a. 0% p.a. for 6 months $0 p.a. annual fee for the first year ($129 p.a. thereafter) 20.99% 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
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
BoQ Low Rate Visa Card
BoQ Low Rate Visa Card
The Bank of Queensland's standard low interest rate credit 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
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
St.George Vertigo Platinum
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 6 months (reverts to 12.74% p.a.) 0% p.a. for 6 months $0 p.a. annual fee for the first year ($99 p.a. thereafter) 21.49% p.a. Go to site More info

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8 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

    • 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 January 31st, 2015
Interest rate (p.a.) Balance transfer rate (p.a.) Annual fee Cash advance rate (p.a.)
Westpac Low Rate Card
Westpac Low Rate Card
A low interest rate credit card with a low annual fee and balance transfer offer. 0% p.a. for 3 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. 21.49% p.a. Go to site More info
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 purchases and balance transfers. 0% p.a. for 12 months (reverts to 13.99% p.a.) 0% p.a. for 12 months $59 p.a. 21.74% 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

* 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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