No Annual Fee Credit Cards

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No annual fee credit cards benefit people who use their cards very sparingly or
for emergencies.
If you occasionally rack up interest, you’ll end up paying more on a no annual fee card than a regular low rate credit card with an annual fee.

Sometimes we end up paying for things we don’t need, such as rewards programs. If you want to keep costs down, consider a credit card with no annual fee.


Annual fees are a very unattractive feature of credit cards - especially if you’re not a very frequent user.


However, they often have other features which for some consumers, may end up costing more than a regular credit card to manage.

To find out if no fee credit cards are right for you, see our no annual fee credit card resources.


No Annual Fee Credit Card Comparison

Credit Card Card Details Interest Rate (p.a.) Cash Advance Rate (p.a.) Balance Transfer Rate (p.a.) Annual fee Interest free days (up to)

American Express Gold Ascent Credit Card
American Express Gold Ascent Card

No annual fee ever, with up to 44 days interest free on purchases.


This credit card requires good credit and a minimum earnings of $50,000 per annum for application approval.

19.99% 19.99% N/A $0 44 Apply now for the American Express Gold Ascent via the official American Express website.
Find out more about what the American Express Gold Ascent has to offer.
ANZ First Credit Card
ANZ First Visa Credit Card
No annual fee for the first year. *Annual fee reverts to $30 after the first year.




Ideal for easy approval and students.

17.49% 19.24% 7.99% p.a. for 6 months. $0* 44 Apply now for the ANZ First Visa via the official ANZ website.
Find out more about what the ANZ First Visa has to offer.
Commonwealth Bank Low Fee Details and Application
Commonwealth Bank Low Fee Card
*No annual fee if you spend over $1000 per annum on your card.




Otherwise, a $24 annual fee.

18.49% 19.99% 4.99% for 9 months. $0* 55 Apply now for the Commonwealth Bank Low Rate via the official Commonwealth Bank website.
Find out more about what the Commonwealth Bank Low Rate has to offer.
HSBC Gold Credit Card Details and Application
HSBC Gold Visa Card
*No annual fee for the first year which reverts to a standard $89 after.




Access to the HSBC Gold rewards program and free international travel insurance.

17.99% 21.25% 5.99% for 6 months. $0* 45 Apply now for the HSBC Gold via the official HSBC website.
Find out more about what the HSBC Gold Visa has to offer.
Woolworths Everyday Money Credit Card
Woolworths Everyday Money Card
*No annual fee for the first year, then $49.




Woolworth’s generous shopping rewards program.

17.99% 20.99% 5.99% p.a. for 6 months $0* 55 Apply now for the Woolworths Everyday Money via the official HSBC website.
Find out more about what the Woolworths Everyday has to offer.
American Express Blue Sky Credit Card
American Express Blue Sky Card
Blue Sky point opportunities and benefits.


Must pay balance in full each month.


Good credit history required, limited Amex acceptance in Australia.

19.99% 19.99% N/A $0 0 Apply now for the American Express Blue Sky via the official American Express website.
Find out more about what the American Express Blue Sky has to offer.
ANZ Visa Debit Card
ANZ Visa Debit Card
Due to popular request, debit cards have been featured on this page.




Take note however that no debit card comes without fees.

*Monthly fee.

Debit Card Debit Card N/A. $6* N/A Apply now for the ANZ Visa Debit.
Find out more about what the ANZ Visa Debit has to offer.
St George Visa Debit Card
St.George Visa Debit Card
St George’s Visa Debit card.



Visa Debit cards have all the access of a regular credit card.

*Monthly fee.

Debit Card Debit Card N/A. $7* N/A Apply now for the St George Visa Debit.
Find out more about what the St George Visa Debit has to offer.


Different Types of Australian No Annual Fee Cards

There are typically two forms of no fee cards.


The first are authentic no annual fee credit cards which have no yearly fee for the life of the card.
However, these cards generally feature no grace period or interest free days.


The other form of card offers 44/55 days interest free, and no annual fee for the first year of use.


A number of users have requested debit cards to be added to the no annual fee comparison. This is due to a common misconception that debit cards do not have fees. While they don’t have an annual fee, they do have monthly fees which range from $3-$8 a month. This equates to the same, if not more than the cost of a standard credit card annual fee.


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