No Annual Fee Credit Cards

Want to enjoy credit card benefits without paying fees? Learn about how no annual fee credit cards can benefit you, compare your options and find a credit card today.

No annual fee credit cards charge $0 annual fee either for the first year, for the life of the card or when you meet a spend requirement. These cards give you an easy way to save money while still getting all the benefits of a credit card. There are many types of no annual fee credit cards on the market, whether you’re looking for a balance transfer, rewards, frequent flyer program or a travel card with a $0 annual fee. Use this guide to understand how no annual fee credit cards work and compare the features, benefits and drawbacks to find the best* no annual fee credit card in Australia.

Compare the best* No Annual Fee Credit Cards in Australia

Rates last updated October 1st, 2016
Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.)
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. annual fee for the first year ($30 p.a. thereafter) 1% p.a. for 12 months (reverts to 19.84% p.a.) 0% p.a. for 16 months 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. 14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee 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.
$0 p.a. annual fee for the first year ($87 p.a. thereafter) 19.74% p.a. 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.
$0 p.a. 11.99% 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.
$149 p.a. 19.99% p.a. 0% p.a. for 15 months 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.
$0 p.a. 18.99% p.a. 0% p.a. for 18 months with 2% balance transfer fee Go to site More info
Coles No Annual Fee MasterCard
Enjoy no annual fee for the life of the card and earn 1 flybuys point for every $2 spent.
$0 p.a. 19.99% p.a. 0% p.a. for 6 months 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. annual fee for the first year ($90 p.a. thereafter) 1% p.a. for 12 months (reverts to 19.84% p.a.) 0% p.a. for 16 months 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.
$0 p.a. 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee 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. annual fee for the first year ($87 p.a. thereafter) 19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee 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.
$0 p.a. 21.99% p.a. 4.99% p.a. for 6 months 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.
$0 p.a. 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee 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.
$0 p.a. annual fee for the first year ($30 p.a. thereafter) 19.74% p.a. 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.
$0 p.a. 11.99% p.a. for 24 months (reverts to 19.99% p.a.) Go to site More info
Coles Platinum No Annual Fee MasterCard
Enjoy no annual fee for the life of the card and enjoy platinum card benefits.
$0 p.a. 19.99% p.a. 0% p.a. for 6 months 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.
$0 p.a. annual fee for the first year ($300 p.a. thereafter) 20.74% p.a. Go to site More info

The Best* No Annual Fee Credit Cards Comparison

Compare the features of the no annual fee credit cards below.

Credit Card
Feature
Coles No Annual Fee MasterCardPay no annual fee and get a 0% p.a. for 6 months balance transfer offer.
 A no annual fee for life credit card that offers all the perks of the Citibank Dining Program.
 Pay no annual fee for the life of the card and get a low interest rate offer.
This $0 p.a. annual fee credit card offers 24/7 Concierge service, included travel insurance and $0 foreign transaction fees.

What is a no annual fee credit card?

A no annual fee credit card doesn’t charge you for yearly account maintenance, saving you from $50 to even $400 per year. The $0 annual fee can be available for a promotional period (e.g. for the first year only), or for the life of the card. These cards can be ideal for a rainy day when you require extra credit to make payments and purchases.

Credit cards with no annual fee for life often have higher standard purchase rates than other options. They may also have fewer additional features, such as rewards programs or complimentary extras. While there is no one top* no annual fee credit card, comparing your options will help you find the right card for you.

Will a no annual fee credit card suit your needs?

A no annual fee credit card may suit your needs if you:

  • Rarely use a credit card or pay off your balance in full every month
  • Are after a simple credit card without all the bells and whistles
  • Want more credit card benefits whilst paying less fees
  • Would like access to a spare credit card in case of emergencies
  • Are using more than one credit card to take advantage of interest-free days on purchases
  • Want to take advantage of promotional credit card offers then cancel the credit card afterwards
  • Are trying to build and improve your credit score

Promotional offers and perks you can receive with no annual fee credit cards

Balance transfer offers.

Balance transfer credit cards let you move debt from an existing credit card to a new card with a low or 0% promotional interest rate. With no annual fee and a low or 0% balance transfer offer, you could have a cost-free way to consolidate your debts.

Rates last updated October 1st, 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

Frequent flyer perks.

Let your spending take you to the skies with frequent flyer points and rewards.

Rates last updated October 1st, 2016
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
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.
1 0 7,500 bonus points $0 p.a. Go to site More info
American Express Qantas Discovery Card
Enjoy up to 7,500 bonus 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.
1 0 7,500 bonus points $0 p.a. Go to site More info

Interest free on purchases.

Need to buy the things that matter now and repay later with no interest? 0% purchase credit cards provide a promotional period where no interest is charged on purchases.

Rewards points and benefits.

These cards have no annual fees plus the ability to earn rewards points for every $1 spent. This combination of features means you could be rewarded for nothing.
Frequent flyer cards with no annual fee. These cards are linked to a frequent flyer rewards program, such as Qantas Frequent Flyer or Virgin’s Velocity Frequent Flyer, and earn points without the added cost of an annual fee.

Rates last updated October 1st, 2016
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points 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.
1 $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 1 $149 p.a. Go to site More info
Coles No Annual Fee MasterCard
Enjoy no annual fee for the life of the card and earn 1 flybuys point for every $2 spent.
0 0.5 $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.
1 0 7,500 bonus points $0 p.a. Go to site More info
American Express Qantas Discovery Card
Enjoy up to 7,500 bonus 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.
1 0 7,500 bonus points $0 p.a. Go to site More info

Travel credit cards with no foreign transaction fees.

While most credit cards charge between 2% and 3.5% for transactions made in a foreign currency, travel credit cards waive this cost and also have no annual fee. Travel credit cards allow you to make purchases overseas at the daily exchange rate, which may be higher and more favourable than locking in an exchange rate at home before you leave. Since you’re likely to only be using a travel credit card during your holiday, it only makes sense that you compare one with a low or $0 annual fee. Start comparing the best* credit cards for travel no annual fee below.

Rates last updated October 1st, 2016
Purchase rate (p.a.) Overseas ATM Withdrawal Fee Foreign Currency Conversion Fee (MC) Annual fee
Bankwest Zero Platinum MasterCard
Complimentary travel insurance, 24/7 Concierge service. Plus no foreign transaction fees for online and overseas purchases.
17.99% p.a. $0 0% of transaction value $0 p.a. Go to site More info
28 Degrees Platinum MasterCard
This credit card offers no annual fee, no currency conversion fees and no international transaction fees.
21.99% p.a. $0 0% of transaction value $0 p.a. Go to site More info

As there are many types of $0 annual fee cards on the market, it’s important to consider your financial situation and how you intend to use the card. Make sure to consider not only the conditions of the annual fee, but also the other features, benefits and costs of the card before you apply for a credit card with no annual fee.

What to consider before you apply for a no annual fee credit card.

If you want to apply for the best* no annual fee credit card for you, here are some questions to consider before you do:

  • How often do you use your credit card? If you rarely use a credit card but still want one for unplanned expenses or emergencies, a no annual fee option will give you the features that you need without this added cost.
  • Do you carry a balance? The higher interest rates typical of no annual fee credit cards can make them expensive if you carry a balance. If that’s the case, you might want to consider a low interest credit card instead.
  • Do you have existing debt? If you have existing debt, getting a no annual fee credit card could tempt you into spending more money than you can afford. Aim to pay off your current debts, or consider a balance transfer credit card to save money on interest charges.
  • What credit card benefits do you want? No annual fee credit cards sometimes have fewer perks than other options. If you’re interested in features such as rewards programs and complimentary insurance, make sure you look at a range of cards and consider these factors as well as the annual fee so that you can find an option that suits all your needs.

Benefits and drawbacks of 0 annual fee credit cards

Benefits

  • Save money on your credit card. The most obvious perk of these cards is that you won’t pay an annual fee. This could save you tens, hundreds or thousands of dollars over the life of the card.
  • Practical. Without the extra perks and additional benefits, no annual fee credit cards can be ideal for emergencies and when extra credit is required.
  • Promotional offers and deals. Some no annual fee credit cards come with promotional offers, frequent flyer programs and other perks that you’d regularly have to pay a yearly fee to access.

Drawbacks

  • Higher interest rates. Credit card companies may charge higher ongoing interest rates on no annual fee credit cards.
  • Fewer extra features. While some no annual fee cards do come with frequent flyer programs and other benefits, they usually have fewer features than cards with a high annual fee.

Answers to the most popular questions about no annual fee credit cards

  • Q: If I have a credit card with a promotional annual fee offer, can I cancel the card before having to pay the annual fee?
    This is possible as long as you don’t have a balance on the card and cancel it before the annual fee is applied. Contact your provider to confirm exactly when the annual fee is charged so you don’t accidentally pay it before cancelling the card.
  • Q: When do you normally pay the annual fee on a credit card?
    The annual fee is usually charged upon account activation and payable by the first statement date or first credit card bill. Annual fees can be repaid as quickly as you choose, by making a payment to your credit card account. If you have a card with a promotional no annual fee and you don’t want to pay the annual fee when the offer ends, make sure you understand when the annual fee will be charged (you can confirm this with the bank) and cancel your card before then.
  • Q: What is the best no annual fee credit card?*
    There is no such thing as the one “best” no annual fee credit card. Instead, you should consider whether the $0 annual fee is a promotional offer or an ongoing feature and the other costs and features that come with the card. Make sure that the card is an affordable and functional way to manage your finances before you apply.
  • Q: I want a no annual fee credit card for travel. What other features should I consider?
    To keep your travel costs down, you may want to consider a credit card with no annual fee and no overseas transaction fees or a card that offers complimentary travel insurance. Also make sure that the card you’re using is accepted wherever you’re travelling and that it isn’t restricted by economic sanctions.
  • Q: Is there a business credit card with no annual fee?
    Business credit cards can offer no annual fee promotions. Compare business credit cards here.
  • Q: Can I get a no annual fee credit card if I have lots of debt or bad credit?
    Having a bad credit rating can limit your chances of being approved and getting the card. The best place to start is to learn about your options if you have a bad credit rating, by using our bad credit rating credit card guide.
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American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

0
More info
ME Bank frank Credit Card
ME Bank frank Credit Card

Interest rate

11.99

Annual fee

0
More info
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149
More info
ANZ First Visa Credit Card - Exclusive Offer
ANZ First Visa Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

30
More info
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114 Responses to No Annual Fee Credit Cards

  1. Default Gravatar
    Brendan | September 10, 2015

    Hi there
    I currently have a personal loan with another bank.
    Im interested in finding out my options if i switched over the balance to a personal loan or credit card with you.
    The things that interest me are:
    Low interest rate for the first year or 2
    Low or no annual fee
    An offer to be rewarded with frequent flyer points or something similar

    cheers

    • Staff
      Jonathan | September 10, 2015

      Hi Brendan, thanks for your inquiry!

      Citibank and Virgin Money allow balance transfers from personal loans to credit cards. The comparison table provided on the page will allow you to compare credit cards based on interest rates, annual fees and frequent flyer points earnings.

      Cheers,

      Jonathan

    • Default Gravatar
      Charmaine | October 29, 2015

      What is the best card

    • Default Gravatar
      Joyce | September 14, 2016

      How come one card has an interest rate of 9.9 and others are from 15 and up. We are looking to change our credit card and as we travel a lot we want a card that is able to be used anywhere in the world.

    • Staff
      Jonathan | September 22, 2016

      Hi Joyce, thanks for your inquiry!

      Credit providers provide varying interest rates. You may like to compare travel credit cards which provide worldwide access and 0% foreign currency conversion fees.

      Cheers,

      Jonathan

    • Staff
      Sharon | October 29, 2015

      Hi Charmaine,

      Thank you for your question.

      As a financial comparison service, however, we’re unable to recommend any specific product, service or strategy to our users as the ‘best’ option will always depend on the individual’s financial situation and needs.

      I would recommend you compare different credit cards based on the offer provided and fees involved in conjunction with your financial situations and eligibility requirements.

      I hope this has helped.

      Sharon

  2. Default Gravatar
    Sujit | September 5, 2015

    i need the top rated service indian credit cards without annual fees

    • Staff
      Jonathan | September 6, 2015

      Hi Sujit, thanks for your inquiry!

      Unfortunately at this point of time our comparison of credit cards is only comprehensive across Australia and includes the USA.

      Cheers,

      Jonathan

  3. Default Gravatar
    ILISAPECI | August 18, 2015

    how to apply

    • Staff
      Jonathan | August 18, 2015

      Hi Ilisapeci, thanks for your inquiry!

      When you have found a card that you would like to apply for just press the ‘Go to Site’ button and you will be redirected to a secure web-form from the respective bank.

      I hope this helps.

      Cheers,

      Jonathan

  4. Default Gravatar
    Dev | June 12, 2015

    Hello,

    I have a question regarding American Express Platinum Edge card.

    on this website it is mentioned that “No annual fee for the first year, a 10,000 bonus points offer and a complimentary return domestic flight every year” but on the american express card website there is no mention of annual fee getting waived off for the first year. Can you please confirm if the annual fee is waived off or not for the first year ?

  5. Default Gravatar
    Ray | June 4, 2015

    I require an auxiliary credit card to my primary card to use for online purchasing ( for event tickets etc). I require a ‘No Fee for Life’ credit card and only require a low credit limit (to $2,000 max)with monthly balance paid in full within one week of receipt of monthly statement . Do I need to have an account with the issuing bank (HSBC, BoQ, etc) to obtain a Credit Card. Could someone advise my best option.

    • Staff
      sally.mcmullen@hiveempire.com | June 5, 2015

      Hi Ray,

      Thank you for your question.

      As a finder.com.au is an online comparison service and are not aware of your unique financial situation, we can’t recommend one particular card for you.

      However, you may wish to visit our No Annual Fee Credit Cards page here to review some of your options. To compare low limit credit cards, you can use our Low Limit Credit Cards page.

      Depending on which issuer you decide on, you may not need to an existing account but you will need to sign up to open a new credit card account.

      I hope this has answered your question.

      Thanks,

      Sally

  6. Default Gravatar
    bill | May 5, 2015

    I only use credit card for emergency and pay in full. I am looking for a no fee card for lifetime with travel insurance and overseas purchases included at no costs, thanks

    • Staff
      Jonathan | May 6, 2015

      Hi Bill, thanks for your inquiry!

      Please refer to the following link for a list of cards with free travel insurance, which will allow you to compare products based on overseas purchases and annual fee features.

      Cheers,

      Jonathan

  7. Default Gravatar
    cash | May 3, 2015

    I am not a frequent user of any type of credit card never ever had one in my life. So if I wanted to go for credit card I do not have any plan to use it but I wanted to keep as in safe for emergency only. So which credit card is better for me. I do not like to keep debt on cards, wanted to know either low interest rate is better or no fee cards ? Thanks

    • Default Gravatar
      Terry | July 23, 2015

      Can I exchange a Coles platinum card for a Coles no annual fee card?

    • Staff
      Jonathan | July 23, 2015

      Hi Terry, thanks for your inquiry!

      Switching between Coles credit cards can be requested by contacting the Coles MasterCard team. Please refer to the contact details I have sent to your email.

      Cheers,

      Jonathan

    • Staff
      Jonathan | May 4, 2015

      Hi Akashjoshi, thanks for your inquiry!

      The choice between low interest rate or no annual fee credit cards depends on the frequency of usage and type of transactions made on the card. If the usage on the credit card is lower/ minimal you may like to refer to no annual fee cards on this page and no annual fee cards on this page.

      Cheers,

      Jonathan

    • Default Gravatar
      cash | May 4, 2015

      Yes sure, cheers!

  8. Default Gravatar
    Terry | May 2, 2015

    Can I exchange my Coles platinum card for a no fees Coles card

    • Staff
      Jonathan | May 4, 2015

      Hi Terry, thanks for your inquiry!

      Exchanging credit cards can be requested by contacting the Coles MasterCard team. Please refer to the contact details I have sent to your email.

      Cheers,

      Jonathan

  9. Default Gravatar
    Ray | April 24, 2015

    Which cards, if any, offer free travel insurance?
    Thank you
    Best regards
    Ray.

  10. Default Gravatar
    loan | April 23, 2015

    Would i be able to borrow 9000 dollars please

    • Staff
      Jonathan | April 24, 2015

      Hi Loan, thanks for your inquiry!

      Cash advances/ withdrawals on credit cards are only supported up to your provided credit limit. You may like to refer to the following link for information on personal loans.

      Cheers,

      Jonathan

Credit Cards Comparison

Rates last updated October 1st, 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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