Read also:
best portable air conditioner australia 2018 best bottom mount fridge 2016 zodiac cx20 robotic pool cleaner reviews natures goodness dog food review vuly 360 swing set review aldi weight loss shakes price pascoe's gas water & electricalBest No Annual Fee Credit Cards
Take advantage of all the benefits of a credit card without having to pay an annual fee. A credit card with no annual fee is great as a first credit card or as an extra one for a rainy day. Even if you don't use it, it won't cost you anything to keep it.
Read More...
Credit cards with no annual fees tend to have less perks and generally aren't attached to any rewards programs. However, even with zero account keeping fees, some offer features that can help save you money. If you're a frequent traveller or looking to go on holidays, consider a card with no foreign transaction fees or complimentary travel insurance.
If you are looking to get a fee free emergency credit card, consider how many interest free days and the credit limit amount you'd like your card to have. Perhaps you also have a preference for a Mastercard, American Express or Visa card. You can use and combine various filters such as the Minimum Credit Limit, Interest Free Period and Card Type to sort them according to your needs.
17 listings
Latitude 28 Degrees Global Platinum Mastercard
- Specifications
- Pros & Cons
- Benefits: No Foreign Transaction Fee
- Minimum Credit Limit : $6,000
- Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
No Annual Fee
No International Transaction Fees
No Currency Conversion Fees
Reviewers complain about fees when paying off the card (e.g. $0.95 BPAY fee)
Website and app experience seen as sub-par
One of the most popular travel cards in Australia, this card has no annual fee and no foreign transaction fees.
- Award Winner 2020
Qantas American Express Discovery
- Specifications
- Pros & Cons
- Minimum Credit Limit : $2,000
- Minimum Income : $35,000
- Rewards Program: Qantas Frequent Flyer
- Points Earn Rates : 0.75 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
No Annual Fee
No Points Earn Cap
0.75 point-per-dollar rate is reasonable for a $0-annual fee card
Generally fewer sign-up bonus points compared to other cards
Low Interest-Free Period (44 Days)
Bankwest Zero Platinum MasterCard
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance and No Foreign Transaction Fee
- Minimum Credit Limit : $6,000
- Maximum Credit Limit : $50,000
- Minimum Income : $65,000
- Contactless Payments: Apple Pay and Google Pay
$0 Annual Fee
No Foreign Transaction Fees
Complimentary Overseas Travel Insurance
2.99% p.a. on Balance Transfers for the first 9 months
No attached rewards program
Coles No Annual Fee MasterCard
- Specifications
- Pros & Cons
- Benefits: Introductory Interest Rate
- Minimum Credit Limit : $2,000
- Maximum Credit Limit : $60,000
- Minimum Income : $25,000
- Rewards Program: flybuys
- Points Earn Rates : 0.5 points per $1
- Contactless Payments: Apple Pay and Samsung Pay
No annual fee
0% p.a. on purchases or balance transfers for 12 months when you apply by 31 January 2020
$10 off Coles supermarket shop at the checkout each time you redeem 2,000 flybuys points
Low flybuys points earn rate of 1 Flybuy Point per $2
2.5% International Transaction Fee
Relatively high 19.99% interest rate
Reviewers mention poor customer service should an issue arise
Virgin Money No Annual Fee Visa
- Specifications
- Pros & Cons
- Minimum Credit Limit : $2,000
- Minimum Income : $25,000
- Contactless Payments: Samsung Pay
No Annual Fee
6.9% p.a. on balance transfers for up to 36 months if you apply by 02 December 2022
3.3% International Transaction Fee
You can't earn Velocity Points even though this card is issued by Virgin
Balance Transfer Rate at the end of the offer period reverts to the Cash Advance Rate of 20.99% p.a.
BankWest Zero MasterCard
- Specifications
- Pros & Cons
- Minimum Credit Limit : $1,000
- Maximum Credit Limit : $25,000
- Minimum Income : $20,000
- Contactless Payments: Apple Pay and Google Pay
No annual fee
Accessible $1,000 minimum credit limit
2.95% foreign transaction fee
GO MasterCard
- Specifications
- Pros & Cons
- Minimum Credit Limit : $1,000
- Maximum Credit Limit : $25,000
- Rewards Program: GO Rewards
- Points Earn Rates : 1 points per $1
- Contactless Payments: Apple Pay, Google Pay and Samsung Pay
0% interest for a set period (min. $300 purchases)
Three repayment options to choose from
$5.95 Monthly Fee
$25 Establishment Fee
High rate once the interest-free period ends (22.74%)
American Express Essential
- Specifications
- Pros & Cons
- Minimum Credit Limit : $2,000
- Maximum Credit Limit : $25,000
- Minimum Income : $40,000
- Rewards Program: American Express Membership Rewards
- Points Earn Rates : 1.25 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
$0 Annual Fee & Low Interest Rate of 14.99% p.a. on purchases
Earn up to 1.25 Membership Rewards Points per $1
0% p.a. on Balance Transfers for the first 12 months
Smartphone Screen Insurance
Add up to 4 Additional Cards at no extra cost
3% Balance Transfer Fee
3% Currency Conversion Fee
ING Orange One
- Specifications
- Pros & Cons
- Benefits: No Foreign Transaction Fee
- Minimum Credit Limit : $1,000
- Maximum Credit Limit : $30,000
- Contactless Payments: Apple Pay
No Annual Fee
Set up instalment payments for a reduced rate
Accessible $1,000 minimum credit limit
"No International Transaction Fee" is conditional
American Express Velocity Escape
- Specifications
- Pros & Cons
- Benefits: Reduced First Year Annual Fee
- Minimum Credit Limit : $2,000
- Maximum Credit Limit : $25,000
- Minimum Income : $40,000
- Rewards Program: Velocity Frequent Flyer
- Points Earn Rates : 0.75 points per $1
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
$0 Annual Fee
0% p.a. on Balance Transfers for the 12 months
Earn up to 0.75 Velocity Points per $1 spent, uncapped
1% Balance Transfer Fee
3% Foreign Transaction Fee
Citibank Citi Simplicity
- Specifications
- Pros & Cons
- Minimum Credit Limit : $6,000
- Maximum Credit Limit : $100,000
- Contactless Payments: Apple Pay and Samsung Pay
No Annual Card Fee and No Late Payment Fee
0% p.a. Balance Transfers for 6 months
Add up to 4 Additional Cardholders at no additional cost
3.4% International Transaction Fee
Balance Transfer Rate reverts to the high Cash Advance Rate of 19.99% p.a. after the offer period ends
American Express Low Rate
- Specifications
- Pros & Cons
- Minimum Credit Limit : $1,000
- Minimum Income : $50,000
- Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
$0 Annual Fee
Low Interest Rate of 8.99% on purchases
0% p.a. on Balance Transfers for the first 12 months
Add up to 4 Additional Cards at no extra cost
1% Balance Transfer Fee
3% Currency Conversion Fee
No attached rewards program
St.George No Annual Fee
- Specifications
- Pros & Cons
- Minimum Credit Limit : $500
- Maximum Credit Limit : $40,000
- Contactless Payments: Apple Pay, Google Pay and Samsung Pay
No Annual Fee
0% p.a. on Balance Transfers for 12 months
Fraud Protection feature
Add up to 3 extra cards at no extra cost
1% Balance Transfer Fee
3% International Transaction Fee
Relatively high 20.74% p.a. Interest Rate on purchases
No attached rewards program
ME Bank Frank Credit Card
- Specifications
- Pros & Cons
- Minimum Credit Limit : $1,000
- Minimum Income : $25,000
$0 Annual Fee
11.99% p.a. Variable Interest Rate
Accessible Minimum Credit Limit of $1,000
1.5% International Transaction Fee
0.8% Mastercard Cross-border Fee
No attached rewards program
HSBC Premier World Mastercard · includes 2 listings
- Specifications
- Pros & Cons
- Benefits: Complimentary Travel Insurance
- Minimum Credit Limit : $15,000
- Rewards Program: HSBC Rewards Plus
- Points Earn Rates : 1 points per $1
- Contactless Payments: Apple Pay and Google Pay
$0 Annual Fee ($99 if you choose Qantas Rewards)
Earn up to 1.5 HSBC Rewards Points or 1 Qantas Point per $1 spent on eligible purchases
Complimentary Insurance Benefits, including Domestic and International Travel Insurance with rental vehicle excess cover
2% Overseas Exchange Fees
Points capped at 10,000 per statement period
Minimum Credit Limit of $15,000 may be too high for you
BankSA No Annual Fee Visa
- Specifications
- Pros & Cons
- Minimum Credit Limit : $500
- Maximum Credit Limit : $40,000
- Contactless Payments: Apple Pay, Google Pay and Samsung Pay
No Annual Card Fee
0% Balance Transfer Offer for 12 months
Add up to 3 extra cards at no additional cost
1% Balance Transfer Fee
3% Foreign Transaction Account
Relatively high 20.74% p.a. Interest Rate on purchases
Kogan Money Black Card
- Specifications
- Pros & Cons
- Minimum Credit Limit : $6,000
- Minimum Income : $35,000
- Points Earn Rates : 1 points per $1
Earn $500 Kogan.com Credit when you apply and spend $500 in the first 30 days from approval
No Annual Fee
0% p.a. for 12 months on Balance Transfers
Complimentary Kogan First Membership
3.4% International Transaction Fee
Reward points can only be redeemed for eligible purchases on Kogan.com, Kogan Mobile or Kogan Internet