No Annual Fee Credit Cards

Save on card costs and enjoy benefits such as 0% interest offers, reward points and premium extras with a no annual fee credit card.

No annual fee credit cards let you enjoy a range of benefits without paying a yearly account fee. Depending on the type of card you choose, you can enjoy no annual fee for the life of the card or $0 annual fee for a promotional period (such as the first year you have the card). There are even a few no annual fee credit cards that require you to meet a spend criteria to take advantage of the waived fee on an ongoing basis.

These cards also offer a variety of other perks including balance transfers, rewards or frequent flyer program benefits and other travel benefits. Use this guide to learn how no annual fee credit cards work and compare the features, benefits and drawbacks to find the best* no annual fee credit card in Australia.

Citi Simplicity Card

Citi Credit Card Offer

The Citi Simplicity Card offers a low interest rate of 0% p.a. for 15 months on balance transfers and $0 annual fee.

  • $0 p.a. annual fee
  • 19.99% p.a. on purchases
  • 0% p.a. for 15 months with 1.5% balance transfer fee on balance transfers
  • Cash Advance Rate of 19.99% p.a.
  • Up to 55 days interest free
  • Minimum Income Requirement of $35,000 p.a.

Compare the best* No Annual Fee Credit Cards in Australia

Rates last updated April 24th, 2017.

ANZ Rewards Platinum

A new offer of $250 Westfield Gift Card on eligible spend plus $0 annual fee for the first year

March 1st, 2017

ANZ Frequent Flyer Black

A new offer of 75 Bonus Status Credit which is valid until 30 June 2017.

March 8th, 2017

American Express Platinum Edge Credit Card

First year annual fee waiver, 0% balance transfer and 5,000 bonus points offers have been extended.

March 28th, 2017

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Jonathan Choi Jonathan
Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.)
Citi Simplicity Card
Pay no annual fee ever, plus receive access to complimentary purchase insurance and the Citibank Dining Program.
$0 p.a. 19.99% p.a. 0% p.a. for 15 months with 1.5% balance transfer fee Go to site More info
Coles No Annual Fee MasterCard
Pay no annual fee ever and receive $50 off a single Coles Supermarket shop when you apply and get approved by 30 April 2017.
$0 p.a. 19.99% p.a. 0% p.a. for 6 months Go to site More info
American Express Essential®  Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
$0 p.a. 14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
Coles Platinum No Annual Fee MasterCard
Receive $50 off a single Coles Supermarket shop, pay no annual fee for the life of the card and enjoy up to 62 interest-free days on purchases with platinum card benefits.
$0 p.a. 19.99% p.a. 0% p.a. for 6 months Go to site More info
CUA Low Rate Credit Card
A low rate credit card which features a long-term balance transfer offer, a low ongoing interest rate on purchases and a waived annual fee for the first year.
$0 p.a. annual fee for the first year ($49 p.a. thereafter) 11.99% p.a. 0% p.a. for 13 months Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
$0 p.a. annual fee for the first year ($87 p.a. thereafter) 0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
$149 p.a. 19.99% p.a. 0% p.a. for 15 months Go to site More info
Qantas American Express Discovery Card
Take advantage of no annual fee for the life of the card plus earn 1 Qantas Frequent Flyer point per $1 spent.
$0 p.a. 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
NAB Rewards Platinum Card
Enjoy 80,000 bonus points when you spend $2,500 on everyday purchases within 90 days from card approval. Benefit from $0 annual fee for the first year and a range of platinum features.
$0 p.a. annual fee for the first year ($195 p.a. thereafter) 19.99% p.a. 4.99% p.a. for 6 months Go to site More info
CUA Platinum Credit Card
Enjoy a long-term balance transfer offer combined with an annual fee waiver for the first year.
$0 p.a. annual fee for the first year ($149 p.a. thereafter) 19.99% p.a. 0% p.a. for 13 months Go to site More info
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months. Plus, earn 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
$0 p.a. annual fee for the first year ($425 p.a. thereafter) 19.99% p.a. Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you apply online and meet the minimum spend requirement, plus earn up to 2 points for every $1 you spend, together with a $0 annual fee.
$0 p.a. 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
American Express Platinum Edge Credit Card
Receive 5,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and pay no annual fee for the first year.
$0 p.a. annual fee for the first year ($195 p.a. thereafter) 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee Go to site More info
ANZ Rewards Platinum
Receive $250 Westfield Gift Card when you spend $2,500 within 60 days from card approval and enjoy no annual fee for the first year.
$0 p.a. annual fee for the first year ($95 p.a. thereafter) 18.79% p.a. Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn Qantas Points for spending.
$0 p.a. annual fee for the first year ($295 p.a. thereafter) 19.99% p.a. Go to site More info
NAB Rewards Business Platinum Card
Enjoy 80,000 bonus points when you meet the spend criteria, earn 1 rewards point per $1 spent and enjoy a $0 annual card fee for the first year.
$0 p.a. annual fee for the first year ($175 p.a. thereafter) 18.50% p.a. Go to site More info
Woolworths Everyday Platinum Credit Card
Receive a $100 eGift Card when you apply by 30 June 2017 and make an eligible purchase by 31 July 2017. Also, enjoy a long-term balance transfer offer and an annual fee waiver for the first year.
$0 p.a. annual fee for the first year ($49 p.a. thereafter) 19.99% p.a. 0% p.a. for 14 months Go to site More info

The Best* No Annual Fee Credit Cards Comparison

Compare the features of the no annual fee credit cards below.

Credit Card
Feature
Coles No Annual Fee MasterCardPay no annual fee and get a 0% p.a. for 6 months balance transfer offer.
A no annual fee for life credit card that offers all the perks of the Citibank Dining Program and Visa Platinum benefits.
 Pay no annual fee for the life of the card and get a low interest rate offer.
This $0 p.a. annual fee credit card offers a concierge service, included travel insurance and $0 foreign transaction fees.

What is a no annual fee credit card?

card-couple-250x250A no annual fee credit card doesn’t charge you for yearly account maintenance, which could save you anywhere from $30 to $700 or more per year. The $0 annual fee can be available for a promotional period (for example, during the first year you have the card) or for the life of the card. These cards can be ideal if you want to keep your costs low or if you don't use your card regularly and can't justify paying high fees.

Credit cards with no annual fee for life often have higher standard purchase rates than other options. So if you regularly carry a balance from month to month, a card with a low interest rate might help you save more money than a no annual fee credit card. Some no annual fee credit cards also offer fewer additional features, such as rewards programs or complimentary extras.

What is the best no annual fee credit card?

There isn't one best no annual fee credit card. But comparing your options, the conditions of the no annual fee offer and the features of the card will help you find the right one for you.

Promotional offers and perks available on no annual fee credit cards

If you want more benefits than just savings on your credit card's annual fee, you can compare credit cards that couple $0 annual fee with everything from a 0% balance transfer offer to a rewards program below.

No annual fee credit cards with a 0% balance transfer offer

Balance transfer credit cards let you move debt from an existing credit card to a new card with a low or 0% promotional interest rate. With no annual fee and a low or 0% balance transfer offer, you could have a cost-free way to consolidate your debts.

Rates last updated April 24th, 2017
$
% p.a.

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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
American Express Essential®  Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
0% p.a. for 12 months with 1% balance transfer fee 14.99% p.a. $0 p.a. Go to site More info
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months. Plus, earn 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
0% p.a. for 15 months 19.99% p.a. $149 p.a. Go to site More info
Qantas American Express Discovery Card
Earn 1 point per $1 spent plus enjoy 0% p.a. on balance transfers for 12 months, all for a $0 annual fee.
0% p.a. for 12 months with 1% balance transfer fee 20.74% p.a. $0 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0% p.a. for 12 months 0% p.a. for 3 months (reverts to 19.74% p.a.) $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info

No annual fee credit cards with frequent flyer rewards

Let your spending take you to the skies with frequent flyer points and rewards. As frequent flyer credit cards typically have high annual fees, you could save hundreds with one of these no annual fee options.

Rates last updated April 24th, 2017
Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Bonus Points Annual fee
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months. Plus, earn 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
0.5 75,000 bonus points $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you apply online and meet the minimum spend requirement, plus earn up to 2 points for every $1 you spend, together with a $0 annual fee.
1 7,500 bonus points $0 p.a. Go to site More info
ANZ Frequent Flyer
Receive 25,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Plus enjoy a waived annual fee for the first year.
0.25 25,000 bonus points $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn Qantas Points for spending.
0.5 50,000 bonus points $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info
American Express Platinum Edge Credit Card
Receive 5,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and pay no annual fee for the first year.
0 1 5,000 bonus points $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info

No annual fee credit cards with platinum benefits

If you’re looking to take advantage of a variety of extra credit card perks while saving on card costs, it's worth comparing platinum no annual fee cards. Depending on the card you choose, you could enjoy everything from complimentary travel insurance to no overseas transaction fees, concierge services and platinum offers and discounts.

Rates last updated April 24th, 2017
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Citi Simplicity Card
Take advantage of the 0% p.a. for 15 months offer on balance transfers, a low interest rate on purchases, an annual fee waiver for life, plus 5% cash back on retail purchases.
VISA/MC: 0 AMEX: 0 No 19.99% p.a. 0% p.a. for 15 months with 1.5% balance transfer fee $0 p.a. Go to site More info
Coles Platinum No Annual Fee MasterCard
Receive $50 off a single Coles Supermarket shop, pay no annual fee for the life of the card and enjoy up to 62 interest-free days on purchases with platinum card benefits.
VISA/MC: 0.5 AMEX: 0 No 19.99% p.a. 0% p.a. for 6 months $0 p.a. Go to site More info
28 Degrees Platinum MasterCard
Benefit from no international transaction fees on purchases, no currency conversion fees and no annual fee.
No 21.99% p.a. 4.99% p.a. for 6 months $0 p.a. Go to site More info
Bankwest Zero Platinum MasterCard
This card comes with a low 2.99% p.a. for 9 months on balance transfers, $0 foreign transaction fee, plus a $0 annual fee and complimentary international credit card travel insurance.
VISA/MC: 0 AMEX: 0 Yes 17.99% p.a. 2.99% p.a. for 9 months $0 p.a. Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn Qantas Points for spending.
0.5 Yes 19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Go to site More info

Credit cards with no annual fee and 0% on purchases

Need to buy the things that matter now and repay later with no interest? 0% purchase credit cards provide a promotional period where no interest is charged on purchases.

Rates last updated April 24th, 2017
$
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period Interest Saved
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Up to 55 days on purchases Go to site More info
Interest-free credit card spending hack

Most credit cards offer a number of interest-free days on purchases when you pay your account balance in full by the due date on your statement. This gives you a way to make interest-free purchases on an ongoing basis.

Earn credit card reward points and save with no annual fee credit cards

These cards have no annual fees plus the ability to earn rewards points for every $1 spent. This combination of features means you could be rewarded for nothing.

Rates last updated April 24th, 2017
Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Bonus Points Annual fee
American Express Essential®  Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
1 $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
1 0 $149 p.a. Go to site More info
Coles No Annual Fee MasterCard
Pay no annual fee ever and receive $50 off a single Coles Supermarket shop when you apply and get approved by 30 April 2017.
0.5 0 $0 p.a. Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you apply online and meet the minimum spend requirement, plus earn up to 2 points for every $1 you spend, together with a $0 annual fee.
1 7,500 bonus points $0 p.a. Go to site More info
Qantas American Express Discovery Card
Earn 1 point per $1 spent plus enjoy 0% p.a. on balance transfers for 12 months, all for a $0 annual fee.
1 $0 p.a. Go to site More info

Travel credit cards with no annual fees and no foreign transaction fees

While most credit cards charge between 2% and 3.5% for transactions made in a foreign currency, travel credit cards waive this cost and also have no annual fee. Since you're likely to only be using a travel credit card during your holiday, you could save on your costs by choosing one with a low or $0 annual fee.

Rates last updated April 24th, 2017
Purchase rate (p.a.) Overseas ATM Withdrawal Fee Foreign Currency Conversion Fee (MC) Annual fee
Bankwest Zero Platinum MasterCard
Complimentary travel insurance, 24/7 Concierge service. Plus no foreign transaction fees for online and overseas purchases.
17.99% p.a. 0% of transaction value $0 p.a. Go to site More info
28 Degrees Platinum MasterCard
This credit card offers no annual fee, no currency conversion fees and no international transaction fees.
21.99% p.a. $0 0% of transaction value $0 p.a. Go to site More info

What should I consider before applying for a no annual fee credit card?

If you're interested in getting a no annual fee credit card now, asking these questions will help you compare your options and find the right one for you.

  • NAFcard-questions250x250How often do you use your credit card? If you rarely use a credit card but still want one for unplanned expenses or emergencies, a no annual fee option will give you the features that you need without this added cost.
  • Do you carry a balance? The higher interest rates typical of no annual fee credit cards can make them expensive if you carry a balance. If that’s the case, you might want to consider a low interest credit card instead.
  • Do you have existing debt? If you have existing debt, getting a no annual fee credit card could tempt you to spend more money than you can afford. Aim to pay off your current debts, or consider a balance transfer credit card to save money on interest charges.
  • What credit card benefits do you want? No annual fee credit cards sometimes have fewer perks than other options. If you’re interested in features such as rewards programs and complimentary insurance, make sure you look at a range of cards and consider these factors as well as the annual fee so that you can find an option that suits all of your needs.
  • Will you use the credit card after the $0 annual fee promotion ends? If the card comes with no annual fee for a promotional offer, consider whether you want to use the card once the introductory period ends. If the card doesn't have a competitive interest rate or extra features to outweigh the annual fee cost, make sure to cancel the card before the end of the first year to avoid paying the standard annual fee.

Benefits and drawbacks of 0 annual fee credit cards

Benefits

  • Save money on your credit card. The most obvious perk of these cards is that you won’t pay an annual fee. This could save you tens, hundreds or thousands of dollars over the life of the card.
  • Practical. Without the extra perks and additional benefits, no annual fee credit cards can be ideal for emergencies and when extra credit is required.
  • Promotional offers and deals. Some no annual fee credit cards come with promotional offers, frequent flyer programs and other perks that you’d regularly have to pay a yearly fee to access.

Drawbacks

  • Higher interest rates. Credit card companies may charge higher ongoing interest rates on no annual fee credit cards.
  • Fewer extra features. While some no annual fee cards do come with frequent flyer programs and other benefits, they usually have fewer features than cards with a high annual fee.
  • Temporary $0 annual fee. Unfortunately, not all of these cards offer no annual fee for the life of the card. If your card only has a $0 annual fee for a promotional period, make sure you know when the standard annual fee will apply and how much it is to avoid any surprise fees.

As there are many types of $0 annual fee cards on the market, it's important to consider your financial situation and how you intend to use the card. Make sure to consider not only the conditions of the annual fee, but also the other features, benefits and costs of the card before you apply for a credit card with no annual fee.

card-questions-895x254

Answers to the most popular questions about no annual fee credit cards

  • Q: If I have a credit card with a promotional annual fee offer, can I cancel the card before having to pay the annual fee?
    A: This is possible as long as you don’t have a balance on the card and cancel it before the annual fee is applied. Contact your provider to confirm exactly when the annual fee is charged so you don’t accidentally pay it before cancelling the card.
  • Q: When do you normally pay the annual fee on a credit card?
    A: The annual fee is usually charged upon account activation, with payment required by the due date on your first statement or first credit card bill. You can repay your annual fee in full or over time by making a payment to your credit card account.
  • Q: When will the annual fee be charged if I get a credit card that offers no annual fee in the first year?
    A:If you have a card with a promotional no annual fee offer, the fee will usually apply 12 months after you were approved for the card. If you don't want to pay this fee when the offer ends, confirm with your bank when the annual fee will be charged and cancel your card before that time.
  • Q: Is there any way to extend my annual fee waiver?A: Some banks package mortgage deals to include fee waivers on your other accounts, including credit cards. For instance, NAB and Westpac waive fees for their credit cards when you take out a home loan package with them.
  • Q: What is the best no annual fee credit card?*
    A: Because everyone has different preferences and needs, there is no such thing as the one “best” no annual fee credit card. Instead, you should consider whether or not the $0 annual fee is a promotional offer or an ongoing feature and the other costs and features that come with the card. Make sure that the card is an affordable and functional way to manage your finances before you apply.
  • Q: I want a no annual fee credit card for travel. What other features should I consider?
    A: To keep your travel costs down, you may want to consider a credit card with no annual fee and no overseas transaction fees or a card that offers complimentary travel insurance. Also, make sure that the card you're using is accepted wherever you're travelling and that it isn't restricted by economic sanctions.
  • Q: Is there a business credit card with no annual fee?
    A: Business credit cards can offer no annual fee promotions, but most of them charge high annual fees as they come with a lot of extra features. Compare business credit cards here.
  • Q: Can I get a no annual fee credit card if I have lots of debt or bad credit?
    A: Having a bad credit rating can limit your chances of being approved and getting the card. You can use our bad credit rating credit card guide to see what type of credit alternatives are available for applicants with a negative credit history.
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ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

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Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

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99
NAB Low Rate Credit Card
NAB Low Rate Credit Card

Interest rate

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Annual fee

59

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122 Responses to No Annual Fee Credit Cards

  1. Default Gravatar
    Terry | April 11, 2017

    What about ING credit cards ?

    • Staff
      Harold | April 12, 2017

      Hi Terry,

      Thank you for your inquiry.

      Should you need to know more about ING credit card prodcut/s you may find this page helpful.

      I hope this information has helped.

      Cheers,
      Harold

  2. Default Gravatar
    Eddy | December 26, 2016

    What about insurance for fraudulent transactions. I had my Visa card stolen in Rome and, within 20 minutes, over $A3400 in cash withdrawn. My bank covered it all and advised me most of my annual fee was insurance premium. This worked out at over 20 years worth of annual fees and saved our holiday. I no longer view annual fees as an unnecessary or unwarranted expense.

    • Staff
      May | December 26, 2016

      Hi Eddy,

      Thanks for your question.

      Most of the major credit cards nowadays have their own version of fraud protection like the Visa’s Zero Liability Policy and MasterCard’s Zero Liability Agreement. As long as you meet the conditions, you will not be held liable for those fraudulent transactions on your card. If you want to find more information on what you can do when your credit card is stolen or lost, please click this link.

      Hope this helps.

      Cheers,
      May

  3. Default Gravatar
    Nanette | November 2, 2016

    Hi I am wanting a credit card that will give me maximum Qantas frequent flyer points on sign up and no annual fee in the first year…any suggestions??

    • Staff
      Anndy | November 2, 2016

      Hi Nanette,

      Thanks for your question.

      Please refer to this page to compare credit cards that offers bonus Qantas points. You can also check there the annual fee for each card.

      Cheers,
      Anndy

  4. Default Gravatar
    Azam | October 20, 2016

    Hi:

    I just want to know which VISA credit card will give me an identity with no annual fee. like with which card I can get subscription in iTunes or youtube???

    Thanks

  5. Default Gravatar
    Brendan | September 10, 2015

    Hi there
    I currently have a personal loan with another bank.
    Im interested in finding out my options if i switched over the balance to a personal loan or credit card with you.
    The things that interest me are:
    Low interest rate for the first year or 2
    Low or no annual fee
    An offer to be rewarded with frequent flyer points or something similar

    cheers

    • Staff
      Jonathan | September 10, 2015

      Hi Brendan, thanks for your inquiry!

      Citibank and Virgin Money allow balance transfers from personal loans to credit cards. The comparison table provided on the page will allow you to compare credit cards based on interest rates, annual fees and frequent flyer points earnings.

      Cheers,

      Jonathan

    • Default Gravatar
      Charmaine | October 29, 2015

      What is the best card

    • Default Gravatar
      | September 14, 2016

      How come one card has an interest rate of 9.9 and others are from 15 and up. We are looking to change our credit card and as we travel a lot we want a card that is able to be used anywhere in the world.

    • Staff
      Jonathan | September 22, 2016

      Hi Joyce, thanks for your inquiry!

      Credit providers provide varying interest rates. You may like to compare travel credit cards which provide worldwide access and 0% foreign currency conversion fees.

      Cheers,

      Jonathan

    • Staff
      Sharon | October 29, 2015

      Hi Charmaine,

      Thank you for your question.

      As a financial comparison service, however, we’re unable to recommend any specific product, service or strategy to our users as the ‘best’ option will always depend on the individual’s financial situation and needs.

      I would recommend you compare different credit cards based on the offer provided and fees involved in conjunction with your financial situations and eligibility requirements.

      I hope this has helped.

      Sharon

  6. Default Gravatar
    Sujit | September 5, 2015

    i need the top rated service indian credit cards without annual fees

    • Staff
      Jonathan | September 6, 2015

      Hi Sujit, thanks for your inquiry!

      Unfortunately at this point of time our comparison of credit cards is only comprehensive across Australia and includes the USA.

      Cheers,

      Jonathan

  7. Default Gravatar
    ILISAPECI | August 18, 2015

    how to apply

    • Staff
      Jonathan | August 18, 2015

      Hi Ilisapeci, thanks for your inquiry!

      When you have found a card that you would like to apply for just press the ‘Go to Site’ button and you will be redirected to a secure web-form from the respective bank.

      I hope this helps.

      Cheers,

      Jonathan

  8. Default Gravatar
    Dev | June 12, 2015

    Hello,

    I have a question regarding American Express Platinum Edge card.

    on this website it is mentioned that “No annual fee for the first year, a 10,000 bonus points offer and a complimentary return domestic flight every year” but on the american express card website there is no mention of annual fee getting waived off for the first year. Can you please confirm if the annual fee is waived off or not for the first year ?

  9. Default Gravatar
    Ray | June 4, 2015

    I require an auxiliary credit card to my primary card to use for online purchasing ( for event tickets etc). I require a ‘No Fee for Life’ credit card and only require a low credit limit (to $2,000 max)with monthly balance paid in full within one week of receipt of monthly statement . Do I need to have an account with the issuing bank (HSBC, BoQ, etc) to obtain a Credit Card. Could someone advise my best option.

    • Staff
      sally.mcmullen@hiveempire.com | June 5, 2015

      Hi Ray,

      Thank you for your question.

      As a finder.com.au is an online comparison service and are not aware of your unique financial situation, we can’t recommend one particular card for you.

      However, you may wish to visit our No Annual Fee Credit Cards page here to review some of your options. To compare low limit credit cards, you can use our Low Limit Credit Cards page.

      Depending on which issuer you decide on, you may not need to an existing account but you will need to sign up to open a new credit card account.

      I hope this has answered your question.

      Thanks,

      Sally

  10. Default Gravatar
    bill | May 5, 2015

    I only use credit card for emergency and pay in full. I am looking for a no fee card for lifetime with travel insurance and overseas purchases included at no costs, thanks

    • Staff
      Jonathan | May 6, 2015

      Hi Bill, thanks for your inquiry!

      Please refer to the following link for a list of cards with free travel insurance, which will allow you to compare products based on overseas purchases and annual fee features.

      Cheers,

      Jonathan

Credit Cards Comparison

Rates last updated April 24th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first three months. Plus, save with a long-term balance transfer offer and a reduced annual fee in the first year.
20.74% p.a. 0% p.a. for 18 months with 1.5% balance transfer fee $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months. Also, enjoy an annual fee waiver in the first year.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
NAB Premium Card
An introductory rate of 0% p.a. for 24 months on balance transfers combined with premium benefits such as travel insurance covers.
19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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