See the Best No Annual Fee Credit Cards in 2022 as rated by Australians on ieatwords.com.au.


  • 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


  • Rewards
    5.0 (1)
  • Online Experience
    5.0 (1)
  • Transparency
    5.0 (1)
  • Customer Service
    5.0 (1)
  • Rates and Fees
    5.0 (1)
  • Card / Account Used For
    • Special Purchases (1)
  • Application Process
    5.0 (1)


CharlieGreater Melbourne (Metropolitan), VIC

A VISA Credit Card with No Annual Fee Plus Lots of Rewards


Citi Simplicity Credit Card is a good credit card which has NO annual fee but still has lots of rewards to offer. It is a VISA credit card, so this means that I will be able to access a range of Visa offers -- Visa Platinum Privileges. The DINING PROGRAM is another feature that I like -- a free bottle of wine from lots of participating restaurants. Citi Simplicity Card also includes complimentary Purchase Cover Insurance, Extended Warranty Insurance and more which gives me a peace of mind.

Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateFebruary 2016
Main Point of ContactOnline
Card / Account Used For
  • Special Purchases
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