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See the Best No Annual Fee Credit Cards in 2022 as rated by Australians on ieatwords.com.au.
Pros
No Annual Fee
No Points Earn Cap
0.75 point-per-dollar rate is reasonable for a $0-annual fee card
Cons
Generally fewer sign-up bonus points compared to other cards
Low Interest-Free Period (44 Days)
BlenderSouth East Queensland, QLD
- 9 reviews
- 4 likes
- Verified customer
Good offers, Qantas points, no annual fee
This is a great basic no annual fee credit card if you want to earn Qantas points. I really like the cashback offers that pop up regularly in the app. I use my card with Apple Pay and more places are now accepting Amex. The app is easy to use. There's no fee to add a supplementary card, which makes it easy for other family members to use too. Highly recommended.
- Everyday Expenses
- Online Shopping
- Overseas/Travel
- Special Purchases
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Calmelbourne
- 5 reviews
My card of choice
The frequent promotions for American Express cash back are really good when keeping an eye on the best price for items on your purchase wish list. No annual fee is how cards should be.
- Everyday Expenses
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JustfoldSouth East Queensland, QLD
Never leave home without it...
Great card and an asset to have in my wallet, with regular bonus spends in all my favorite stores this pays for it self. No annual fee makes this my go too card.
- Everyday Expenses
- Online Shopping
- Special Purchases
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jim w.Sydney, NSW
- 4 reviews
My favourite credit card
This is my go to credit card, no annual fee, Qantas frequent flyer points with ever purchase. And great customer service. Only downside is using it overseas, they stick you with poor FX conversion as well as a commission.
- Everyday Expenses
- Online Shopping
- Overseas/Travel
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RobGreater Melbourne (Outer), VIC
Love it!
Great card for perks and bonus points. Easy application which was approved very quickly. The no annual fee is awesome. So far I have no complaints what so ever. Will be keeping this card
- Everyday Expenses
- Online Shopping
- Overseas/Travel
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The reviewer stated that an incentive was offered for this review
thomalfaSydney, NSW
- 5 reviews
- Verified customer
Best free annual fee credit card
This could be one of probably not the best but in overall is the best credit card with perks and earn reward points for annual fee free for life. I will give this a 5 stars card but since the points system changed since last year 2018, it just not generate as much and as fast as how it used to be, but still a good card. The only downside is probably this card doesn't come with complimentary travel insurance as many higher level cards do, but pretty much still does its job when comes to daily use, and online purchasing. If you can afford rather to get the ultimate version (comes with complimentary insurance & lounges access), however to me, i would love to have both, their perks are lovely.
- Everyday Expenses
- Online Shopping
- Special Purchases
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The reviewer stated that an incentive was offered for this review
SureshSydney, NSW
- 7 reviews
- 1 like
Best no annual fee credit going around
You get more points than from Any other no annual fee CC. At the same time offers like spend 500 get 150 back from Sony. Fuel offer spend 50 get 15 back etc.. Best to read the term and conditions carefully on the offers.
- Everyday Expenses
- Online Shopping
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The reviewer stated that an incentive was offered for this review
PeterPerth, WA
- 10 reviews
- 4 likes
- Verified customer
Everyone should have one of these
The card has $0 annual fees and still comes packed with bonuses. The most obvious are Qantas frequent flyer points, but even better are the regular American Express cash-back offers for selected merchants. Promotions like shop-small. Can't fault them. And if there are any questions, their customer service is very helpful and prompt.
- Everyday Expenses
- Online Shopping
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Kim LiewGreater Melbourne (Inner), VIC
- 7 reviews
Good Deals and Credit Back without the Annual Fees
Easy to transfer my balance to this credit card. Rewards available to me is good. Many good deals as AMEX is trying to push publicity and promotions, a lot of good cashback deals. Easy to accumulate points and is converted to my Qantas Rewards points. The only downside is AMEX is still not accepted everywhere but is definitely getting more recognised. But sometimes it has a higher surcharge than other cards at times. The app was easy to use on mobile as well.
- Everyday Expenses
- Online Shopping
- Special Purchases
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Free and rewarding!
Had this card since 2012. Free to have. Haven't paid a single cent on it due to no annual fees & avoiding interest by paying my statement on time. Customer service is great too. Used many offers via statement credits.
I haven't experienced international transaction fees, only a commission they charge with the money exchange. I did not transfer my balance therefore can't comment on that. Rewards program is great for a free card (QFF). Easy to redeem points via Qantas shop. Easy to accumulate too - it auto transfers your balance to your QFF account.
- Everyday Expenses
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jchng83Greater Melbourne (Metropolitan), VIC
- 2 reviews
No fees, AMEX rewards and Qantas points
For a card with no fees to pay this is a great one to have in your wallet. You can leverage any useful AMEX deals and be rewarded with Qantas points on your spending. Definitely a keeper!
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Jayson LGreater Melbourne (Inner), VIC
- 6 reviews
- 1 like
- Verified customer
Set and forget - good to have in your back pocket
I've had this card since 2016. It's a basic Amex card with its main selling point being that is has no annual fees. As a result, this is also reflected in the services which are offered.
Points earning is average at best - there are better cards out there, however again, expectations must be managed in the context of an absent annual fee.
Redemption of points has been flawless, and I have never had an issue with Amex failing to credit points earned.
I have not used this card overseas as I believe there are better options when it comes to tr...Read more
ansactions in international currencies. I did not transfer any balance to this card when I started. Great card to have each November when Amex roll out their Shop Small offers - $10 back on purchases over $20, redeemable up to 5 times per card!- Everyday Expenses
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ToddSouth East Queensland, QLD
- 9 reviews
Free rewards?
Free rewards? But at what cost?
Fees are huge over other providers but free if you pay your limit off month to month.
I’m happy with the card because the rewards are great but I’d like to see rates change in line with other providers.
- Everyday Expenses
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RinaSydney, NSW
Love it ! So useful
It’s a great credit card as it has no annual fees and we can use it internationally. Amex provides discounts and offers from different companies and they have been extremely useful
- Online Shopping
- Special Purchases
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chris2456Metropolitan Adelaide, SA
- 5 reviews
Great entry AMEX card
Great everyday AMEX credit card. Not as many perks as the other AMEX cards you can get, but the statement credit offers and no annual fee make it worth it.
- Everyday Expenses
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Jo3lasticSydney, NSW
Decent credit card
I am decently satasfied with the credit card. A positive of the card is that you get flyer miles which is a always good. However a negative of the card is that it is American Express and as a result is can't be used everywhere or you have to pay a extra fee. Overall I would rate this a 3/5
- Everyday Expenses
- Online Shopping
- Overseas/Travel
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The reviewer stated that an incentive was offered for this review
JoycecSydney, NSW
Good Qantas AMEX card with no annual fee!
This is a great card in my opinion as you can earn Qantas Flyer Frequent points while paying no annual fee. The ratio is 0.75 per $1 spent which is not the best on the market but considering no annual fee, you can’t really complaint. I also like the special offers from AMEX including the shop small promotion in November.
- Everyday Expenses
- Online Shopping
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JustinGreater Melbourne (Outer), VIC
- 7 reviews
Great credit card to use overseas. Good offers!
Enjoyed using this card overseas. Had no dramas and you don't have to tell them or give them a ring before you go to another country. The app is extremely easy to use which is the thing I love the most as well as the offers that AMEX does with their cards.
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WayneBrisbane
- 5 reviews
- 4 likes
Great customer service, lots of perks every month
American Express always offers really good phone and online live chat customer services. Balance transfer was really simple and quick though I don't really have to use this feature on any credit card that I've owned really.
Their reward programs have to be one of the best as they don't just create it because most if not everybody else does, they actually put into the efforts to help promoting businesses and reward card holders, the November Shop Small is an epic one that every Amex card holder loves, not to mention the generous BP app offers.
...Read more
- Online Shopping
- Special Purchases
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The reviewer stated that an incentive was offered for this review
RevlibpasSydney, NSW
- 2 reviews
- 4 likes
Very good
Good card with qantas reward points and no annual fees. However some places don’t accept Amex or charge a transaction fee, so it’s best to have a second card that is visa or MasterCard.
- Everyday Expenses
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