Credit Cards

Compare No Annual Fee Credit Cards

Why pay an annual fee when you can get a great credit card free for life? Compare our range of cards and incorporate other benefits like 0% balance transfer periods and low purchase rates to find the best card for you.

No Annual Fee Credit Cards
Card Issuer Balance Transfers Purchases Std APR p.a. Annual Fee Apply
Rate Duration Rate Duration
Virgin No Annual Fee Card Virgin No Annual Fee Card
 2.9% 6 mths N/A N/A 18.99% Free For Life Apply > More Info
Bankwest Zero Gold MasterCard Bankwest Zero Gold MasterCard
Get automatic purchase protection & built in international travel insurance		 5.99% 9 mths 5.99% 9 mths 17.99% Free For Life Apply > More Info
HSBC Credit Card HSBC Credit Card
Please note - 2% balance transfer handling fee will apply, this is applied to card on 3rd statement. No Annual Fee for life of the Card. 		0% 6 mths N/A N/A 17.99% Free For Life Apply > More Info
Amex Qantas Discovery Card Amex Qantas Discovery Card
Get up to 10,000 extra Qantas Frequent Flyer points.		 N/A N/A N/A N/A 20.74% Free For Life Apply > More Info
Westpac 55 Day Classic Card Westpac 55 Day Classic Card
 3.99% 6 mths 0% 5 mths 19.59% No Annual Fee in 1st Yr, then $30 Apply > More Info
Westpac 55 Day Gold Card Westpac 55 Day Gold Card
Get complimentary international travel insurance, purchase cover and extended warranty insurance		 3.99% 6 mths N/A N/A 19.59% No Annual Fee in 1st Yr, then $90 if spend below $15k Apply > More Info
Citibank Ready Credit Citibank Ready Credit
 2.9% 15 mths N/A N/A 18.99% $69 one off fee, then $0p.a Apply > More Info
ANZ Platinum ANZ Platinum
**Special offer** 6 months 0% on Balance Transfers & Purchases only available until 13 March 2012. 		0% 6 mths 0% 6 mths 19.24% No Annual Fee in 1st Yr, then $87 if spend below $20k Apply > More Info
CommonWealth Bank 'Low Fee' Gold Card CommonWealth Bank 'Low Fee' Gold Card
Complimentary International Travel Insurance for return trips of up to 3 months, Extended Warranty Insurance, Purchase Security Insurance		 N/A N/A N/A N/A 20.24% $90, or Free if you spend $10,000+p.a Apply > More Info

Virgin No Annual Fee Card

No Annual Fee Card

Introductory Offer

Balance Transfer Rate:
2.9% for 6 mths
Balance Transfer Fee:
N/A
Purchase Rate:
N/A

Typical APR

Purchases:
18.99% p.a.
Balance Transfers:
20.99% p.a.
Cash Advance:
20.99% p.a.
Annual Fee:
Free For Life

Standard Features

Credit Limit:
,000 - ,000
Interest Free Days:
44 days
Online Banking:
Yes

Approval Criteria

  • You are over 18 years of age.
  • You have a good credit rating.
  • You have an annual Income of 000 p.a. or more.
  • You are a permanent resident/citizen of Australia
  • You have not applied and been declined for a Citibank product in the last 9 months (Citi is the credit provider and issuer of the Credit Cards)
  • Please ensure you have your contact details, your employment details and your personal income and expense details ready to make an application

Bankwest Zero Gold MasterCard

Zero Gold MasterCard

Introductory Offer

Balance Transfer Rate:
5.99% for 9 mths
Balance Transfer Fee:
N/A
Purchase Rate:
5.99% for 9 mths

Typical APR

Purchases:
17.99% p.a.
Balance Transfers:
17.99% p.a.
Cash Advance:
16.99% p.a.
Annual Fee:
Free For Life

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Earned Taxable Income of over ,000.pa

HSBC Credit Card

Credit Card

Introductory Offer

Balance Transfer Rate:
0% for 6 mths
Balance Transfer Fee:
$2
Purchase Rate:
N/A

Typical APR

Purchases:
17.99% p.a.
Balance Transfers:
N/A
Cash Advance:
21.99% p.a.
Annual Fee:
Free For Life

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have a Income of over ,000.pa

Amex Qantas Discovery Card

Qantas Discovery Card

Introductory Offer

Balance Transfer Rate:
N/A
Balance Transfer Fee:
N/A
Purchase Rate:
N/A

Typical APR

Purchases:
20.74% p.a.
Balance Transfers:
20.74% p.a.
Cash Advance:
20.74% p.a.
Annual Fee:
Free For Life

Standard Features

Credit Limit:
Unlimited
Interest Free Days:
44 days
Online Banking:
Yes

Approval Criteria

  • You are over 18 years of age.
  • You have a good credit history and no payment defaults.
  • You are a permanent resident or citizen of Australia or hold a current Business Long Stay Visa (Subclass 457).
  • You earn a personal gross (pre-tax) annual income of ,000 or more.
  • If self-employed, you have been trading for at least 18 months or 12 months if you hold an existing American Express issued Card.

Westpac 55 Day Classic Card

55 Day Classic Card

Introductory Offer

Balance Transfer Rate:
3.99% for 6 mths
Balance Transfer Fee:
N/A
Purchase Rate:
0% for 5 mths

Typical APR

Purchases:
19.59% p.a.
Balance Transfers:
19.59% p.a.
Cash Advance:
21.49% p.a.
Annual Fee:
No Annual Fee in 1st Yr, then $30

Standard Features

Interest Free Days:
55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over ,000.pa

Westpac 55 Day Gold Card

55 Day Gold Card

Introductory Offer

Balance Transfer Rate:
3.99% for 6 mths
Balance Transfer Fee:
N/A
Purchase Rate:
N/A

Typical APR

Purchases:
19.59% p.a.
Balance Transfers:
19.59% p.a.
Cash Advance:
21.49% p.a.
Annual Fee:
No Annual Fee in 1st Yr, then $90 if spend below $15k

Standard Features

Interest Free Days:
55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over ,000.pa

Citibank Ready Credit

Ready Credit

Introductory Offer

Balance Transfer Rate:
2.9% for 15 mths
Balance Transfer Fee:
N/A
Purchase Rate:
N/A

Typical APR

Purchases:
18.99% p.a.
Balance Transfers:
18.99% p.a.
Cash Advance:
18.99% p.a.
Annual Fee:
$69 one off fee, then $0p.a

Standard Features

Credit Limit:
,000
Interest Free Days:
0 days
Online Banking:
No

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over ,000.pa
  • You are NOT an existing Citibank customer & have NOT made an application to Citibank within the last 9 months

ANZ Platinum

Platinum

Introductory Offer

Balance Transfer Rate:
0% for 6 mths
Balance Transfer Fee:
N/A
Purchase Rate:
0% for 6 mths

Typical APR

Purchases:
19.24% p.a.
Balance Transfers:
19.24% p.a.
Cash Advance:
20.99% p.a.
Annual Fee:
No Annual Fee in 1st Yr, then $87 if spend below $20k

Standard Features

Credit Limit:
Subject to Status
Interest Free Days:
55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over ,000.pa

CommonWealth Bank 'Low Fee' Gold Card

'Low Fee' Gold Card

Introductory Offer

Balance Transfer Rate:
N/A
Balance Transfer Fee:
N/A
Purchase Rate:
N/A

Typical APR

Purchases:
20.24% p.a.
Balance Transfers:
20.24% p.a.
Cash Advance:
21.74% p.a.
Annual Fee:
$90, or Free if you spend $10,000+p.a

Standard Features

Interest Free Days:
55 days
Online Banking:
Yes

Approval Criteria

  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over ,000.pa

Search by Brand

No Annual Fee Credit Cards Explained

What are no annual fee credit cards?

No annual fee credit cards provide consumers with a credit card that demands no ownership charges. They are generally only practical for a small group of users that rarely use their credit cards and use them as a form of backup payment. If you think you fall into this category then no annual fee credit cards can save you money. However, many of these cards do not offer interest free days, so any purchases made will be instantly subject to the standard interest rate.

Is a no annual fee card the right card for me?

As annual fees often provide issuers with their guarantee for return, these cards tend to have higher rates on purchases and cash advances, while offering no interest free days. For this reason, no annual fee credit cards are more suitable for those that use their credit card very rarely and always pay off the balance immediately.

Latest News