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No Annual Fee Credit Cards

Want to save on credit card costs? With no annual fee during the promotional period, or sometimes even the life of the card, no annual fee credit cards are a great way to have an everyday credit card without the overheads. Compare our top no annual fee credit cards now.

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Bank
Essential Features
Card Type
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

Balance Transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

ANZ Platinum

ANZ Platinum
0% Purchase credit card
No Annual Fee credit card

ANZ Platinum

0% p.a. for 17 months on purchases and $0 Annual Account Fee in First Year with an ANZ Platinum credit card. Reverts to standard purchase rate, currently 20.24% p.a. In each subsequent year, standard Annual Account Fee (currently $87) applies. Eligibility criteria, T&Cs, fees and charges apply.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

0% for
17 months
reverts to
20.24% p.a.
Balance transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$0
first year
then $87 p.a.

Bank of Melbourne Vertigo Card

Bank of Melbourne Vertigo Card
Balance Transfer credit card
0% Purchase credit card
No Annual Fee credit card
Low Interest credit card

Bank of Melbourne Vertigo Card

Save on interest with 0% p.a. on new purchases for up to 7 months or take advantage of 0% p.a. on balance transfers for up to 22 months with Bank of Melbourne's Vertigo credit card (1.5% balance transfer fee applies). With no annual fee for the first year and a low 13.99% p.a. interest rate on purchases with a 55 day interest free period, this is a good option for those looking for a low-cost every-day card.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

0% for
7 months
reverts to
13.99% p.a.
Balance transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

0% for
22 months
reverts to
21.49% p.a.
1.5% transfer fee
Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$0
first year
then $55 p.a.

Bank SA Vertigo Card

Bank SA Vertigo Card
Balance Transfer credit card
0% Purchase credit card
No Annual Fee credit card
Low Interest credit card

Bank SA Vertigo Card

Save on interest with 0% p.a. on new purchases for up to 7 months or take advantage of 0% p.a. on balance transfers for up to 22 months with Bank SA's Vertigo credit card (1.5% balance transfer fee applies). With no annual fee for the first year and a low 13.99% p.a. interest rate on purchases with a 55 day interest free period, this is a good option for those looking for a low-cost every-day card.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

0% for
7 months
reverts to
13.99% p.a.
Balance transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

0% for
22 months
reverts to
21.49% p.a.
1.5% transfer fee
Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$0
first year
then $55 p.a.

Commonwealth Bank Low Fee Gold Credit Card

Commonwealth Bank Low Fee Gold Credit Card
Offer ends 28 Oct 2020
Balance Transfer credit card
0% Purchase credit card
No Annual Fee credit card

Commonwealth Bank Low Fee Gold Credit Card

Get 0% p.a. on purchases for up to 15 months with Commbank's Low Fee Gold credit card. Enjoy $0 annual fee in the first year and subsequent years when you spend at least $10,000.
Offer includes:
  • Travel Insurance
  • Purchase Insurance
  • Priceless Cities offers and experiences
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

0% for
15 months
reverts to
19.74% p.a.
Balance transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

5.99% for
5 months
reverts to
21.24% p.a.
Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$0
$0 for the first year, then $89 p.a. The fee will be waved if you spend $10,000 on the card in the preceeding year.
first year
then $89 p.a.

St.George Vertigo Card

St.George Vertigo Card
Balance Transfer credit card
0% Purchase credit card
No Annual Fee credit card
Low Interest credit card

St.George Vertigo Card

Save on interest with 0% p.a. on new purchases for up to 7 months or take advantage of 0% p.a. on balance transfers for up to 22 months with St.George's Vertigo credit card (1.5% balance transfer fee applies). With no annual fee for the first year and a low 13.99% p.a. interest rate on purchases with a 55 day interest free period, this is a good option for those looking for a low-cost every-day card.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

0% for
7 months
reverts to
13.99% p.a.
Balance transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

0% for
22 months
reverts to
21.49% p.a.
1.5% transfer fee
Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$0
first year
then $55 p.a.

Westpac Low Fee

Westpac Low Fee
Offer ends 2 Dec 2020
Balance Transfer credit card
0% Purchase credit card
No Annual Fee credit card

Westpac Low Fee

Online offer. Pay 0% p.a. for up to 15 months on new purchases and 0% p.a. for 6 months on balance transfers with no balance transfer fee when requested at card application. Save with no annual card fee in the first year, and following years if you spend $5,000. Otherwise card fee is $30 p.a. New cards only. Conditions, T&Cs apply.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

0% for
15 months
reverts to
20.09% p.a.
Balance transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

0% for
6 months
reverts to
21.49% p.a.
Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$0
Pay no annual card fee in the first year (saving you $30) and in following years if you spend $5,000 within 12 months of your cards anniversary date
first year
then $30 p.a.

American Express Low Rate

American Express Low Rate
No Annual Fee credit card
Low Interest credit card

American Express Low Rate

American Express's lowest rate credit card with 8.99% p.a. on purchases and up to 55 days interest free. Save with no annual fee for the life of the card.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

8.99%
p.a.
Balance transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$0
p.a.

ING Orange One

ING Orange One
No Annual Fee credit card
Low Interest credit card

ING Orange One

Already, or looking to become, an ING banking customer? Save with ING's no annual fee, low purchase rate credit card. Deposit $1000 in to an ING account (excl Living Super & Orange One) and make 5 or more purchases monthly, to receive 100% rebates for your international transaction and ATM fees.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

11.99%
p.a.
Balance transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$0
p.a.

ME Bank Frank Credit Card

ME Bank Frank Credit Card
No Annual Fee credit card
Low Interest credit card

ME Bank Frank Credit Card

ME Bank's best and only credit card. With a $0 annual fee, 55 day interest free period and a low 11.99% variable purchase rate, this card is a great option for those looking to access the benefits of a credit card without the ongoing fees.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

11.99%
p.a.
Balance transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$0
p.a.

ANZ Low Rate

ANZ Low Rate
Balance Transfer credit card
No Annual Fee credit card
Low Interest credit card

ANZ Low Rate

A credit card with a low ongoing interest rate for your everyday purchases. Includes 0% p.a. for 22 months on Balance Transfers with a 1.5% Balance Transfer fee. Reverts to standard balance transfer rate, currently 20.24% p.a. In each subsequent year, standard Annual Account Fee (currently $58) applies. Eligibility criteria, T&Cs, fees and charges apply.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

12.49%
p.a.
Balance transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

0% for
22 months
reverts to
20.24% p.a.
1.5% transfer fee
Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$0
first year
then $58 p.a.

Bankwest Zero Classic Mastercard®

Bankwest Zero Classic Mastercard®
Balance Transfer credit card
No Annual Fee credit card

Bankwest Zero Classic Mastercard®

Access the benefits of a credit card with no annual fee for the life of the card. Go mobile by ordering Bankwest's mobile payment ring, or add the card to Apple or Samsung pay.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

17.99%
p.a.
Balance transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

2.99% for
9 months
reverts to
17.99% p.a.
Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$0
p.a.

Bankwest Zero Platinum Mastercard®

Bankwest Zero Platinum Mastercard®
Balance Transfer credit card
No Annual Fee credit card

Bankwest Zero Platinum Mastercard®

Access the benefits of a credit card with no annual fee for the life of the card. With complimentary international travel insurance, and no international transaction fees, this card is a great choice for shopping online or overseas.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

17.99%
p.a.
Balance transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

2.99% for
9 months
reverts to
17.99% p.a.
Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$0
p.a.

Virgin Australia No Annual Fee Card

Virgin Australia No Annual Fee Card
Balance Transfer credit card
No Annual Fee credit card

Virgin Australia No Annual Fee Card

0% p.a. interest on balance transfers for 12 months and no annual fee for the life of the card.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

18.99%
p.a.
Balance transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

0% for
12 months
reverts to
20.99% p.a.
Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$0
p.a.

Commonwealth Bank Low Fee Credit Card

Commonwealth Bank Low Fee Credit Card
Balance Transfer credit card
No Annual Fee credit card

Commonwealth Bank Low Fee Credit Card

Enjoy $0 annual fee in the first year and subsequent years when you spend at least $1,000.
Offer includes:
  • Low $500 minimum credit limit
  • Priceless Cities offers and experiences
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

19.74%
p.a.
Balance transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

5.99% for
5 months
reverts to
21.24% p.a.
Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$0
$0 for the first year, then $29 p.a. The fee will be waved if you spend $1000 on the card in the preceeding year.
first year
then $29 p.a.

Coles No Annual Fee Mastercard

Coles No Annual Fee Mastercard
Offer ends 31 Oct 2020
Frequent Flyer credit card
Rewards credit card
Balance Transfer credit card
No Annual Fee credit card

Coles No Annual Fee Mastercard

Save with 0% p.a. on Balance Transfers for up to 18 months with a 1.5% transfer fee when you apply by 31 August 2020. Offer includes no Annual Fee for the life of the card and 0.5 flybuys points per dollar spent on eligible transactions. Redeem a $10 discount at coles for every 2000 flybuys points earned. Note: No interest free days apply while you have a balance transfer.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

19.99%
p.a.
Balance transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

0% for
18 months
reverts to
19.99% p.a.
1.5% transfer fee
Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$0
p.a.

Westpac Low Fee - Platinum

Westpac Low Fee - Platinum
Balance Transfer credit card
No Annual Fee credit card

Westpac Low Fee - Platinum

Access Platinum features including travel and purchase insurance with Westpac's Low Fee Platinum card. Pay no annual fee in the first year (saving you $90) and then subsequent years when you spend at least $10,000 within the preceeding year.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

20.09%
p.a.
Balance transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

6.99% for
12 months
reverts to
21.49% p.a.
Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$0
Pay no annual card fee in the first year (saving you $90) and in following years if you spend $10,000 within 12 months of your cards anniversary date
first year
then $90 p.a.

American Express Velocity Escape

American Express Velocity Escape
Frequent Flyer credit card
Rewards credit card
No Annual Fee credit card

American Express Velocity Escape

Pay no annual fee, earn and escape with the American Express Velocity Escape card by earning 0.75 Velocity Points per $1 spent.*
Offer includes:
  • Refund protection
  • Purchase Protection
  • Online fraud protection gaurantee
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

20.74%
p.a.
Balance transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$0
p.a.

Qantas American Express Discovery Card

Qantas American Express Discovery Card
Frequent Flyer credit card
Rewards credit card
No Annual Fee credit card

Qantas American Express Discovery Card

Discover destinations by earning 0.75 Qantas points on purchases with no Annual fee for the life of the card. Be protected with great complimentary product insurance offers such as purchase and refund protection.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

20.74%
p.a.
Balance transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$0
p.a.

Latitude 28° Global Platinum Mastercard

Latitude 28° Global Platinum Mastercard
No Annual Fee credit card

Latitude 28° Global Platinum Mastercard

Save on international purchases with Latitude's $0 international transaction and currency conversion fees. Save even more with a $0 annual fee.
Purchase Rate

A purchase rate is the standard interest rate that applies to purchases on the card. A promotional purchase rate may apply to purchases for a set period of time. After the promotional period ends, the interest rate will revert to the purchase rate indicated and standard interest-free period of the card. Some balance transfer cards may charge interest on the entire balance if a new purchase is made.

21.99%
p.a.
Balance transfer

The balance transfer offer refers to the interest rate applied to the balance transfer amount for a set period of time. Other transactions are subject to the purchase rate. Offers may include a balance transfer fee and are generally only available when transferring from a different credit card provider. Click here for a list of banks and restrictions.

Annual Fee

An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years. No other fees have been included.

$0
p.a.

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