No Annual Fee Credit Cards

Save on card costs and enjoy a wide range of benefits with a no annual fee credit card.

No annual fee credit cards let you enjoy a range of features and perks without having to pay a yearly account fee. Depending on the type of card you choose, you'll enjoy no annual fee for the life of the card or a $0 annual fee for a promotional period (such as the first year you have the card). There are also some credit cards that offer a waived annual fee on an ongoing basis if you meet specific spending criteria.

No annual fee credit cards can also give you a variety of other benefits including balance transfers, rewards or frequent flyer points and other travel benefits. Use this guide to compare no annual fee credit cards and find out more about the features, benefits and costs so that you can find a credit card to suit your needs.

American Express Credit Card Offer

American Express Velocity Escape Card

Receive 12,500 bonus Velocity Points
Exclusive to finder.com.au

Offer ends 13 March 2018

Eligibility criteria, terms and conditions, fees and charges apply

American Express Credit Card Offer

Exclusive to finder.com.au, the American Express Velocity Escape Card offers 12,500 bonus Velocity Points. Plus, enjoy a $0 annual fee with a low introductory rate on balance transfers.

  • $0 p.a. annual fee.
  • 20.74% p.a. on purchases
  • 0.00% p.a. for 12 months with 1% BT fee on balance transfers
  • Up to 55 days interest free
  • Minimum income requirement of $40,000 p.a.
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Compare the best* No Annual Fee Credit Cards in Australia

Rates last updated February 23rd, 2018
Name Product Annual fee Purchase rate (p.a.) Balance transfer rate (p.a.) Product Description
American Express Velocity Escape Card
$0 p.a.
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
Receive a bonus 12,500 Velocity Points, pay a $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
Westpac Low Rate - Online Offer
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
13.49% p.a.
0% p.a. for 30 months with 2% balance transfer fee
Take advantage of 0% p.a. for 30 months on balance transfers with a 2% balance transfer fee when you apply online by 28 February 2018.
Bankwest Zero Platinum Mastercard
$0 p.a.
17.99% p.a.
2.99% p.a. for 9 months
Offers a $0 annual fee, 0% foreign transaction fees, complimentary international travel insurance and access to a 24/7 concierge service.
Citi Simplicity Card
$0 p.a.
19.99% p.a.
0% p.a. for 15 months with 1.5% balance transfer fee
Earn 5% cashback on eligible purchases (capped at $50 per month) for the first 90 days from card approval. Plus, a 15 month balance transfer offer.
Woolworths Everyday Platinum Credit Card
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
19.99% p.a.
0% p.a. for 14 months
Receive a $50 eGift Card when you meet the offer criteria, a 0% p.a. for 14 month balance transfer offer and a $0 first year annual fee.
St.George Vertigo Visa
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
13.24% p.a.
0% p.a. for 18 months with 1% balance transfer fee
Save with a $0 first year annual fee and a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.
Qantas American Express Discovery Card
$0 p.a.
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
Earn an uncapped 1 Qantas Frequent Flyer point per $1 spent, plus complimentary purchase insurance.
ANZ Frequent Flyer Black
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
19.99% p.a.
Get 75,000 bonus Qantas Points when you meet the spend requirement, unlimited Véloce airport lounge access and a $0 annual fee for the first year.
ANZ Rewards Platinum
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
18.79% p.a.
Receive a $0 first year annual fee offer, 65,000 bonus Reward Points when you meet the spend criteria and up to 1.5 points per $1 spent.
Westpac 55 Day Platinum Credit Card
$0 p.a. annual fee for the first year ($90 p.a. thereafter)
19.84% p.a.
0% p.a. for 20 months with 2% balance transfer fee
Receive a 20 month balance transfer offer, up to 55 days interest-free on purchases, a platinum concierge service and a $0 first year annual fee.
Bankwest Zero Mastercard
$0 p.a.
17.99% p.a.
2.99% p.a. for 9 months
Features an ongoing $0 annual fee. Plus, receive up to 55 days interest-free on purchases and a 2.99% p.a. for 9 months on balance transfers.
St.George Amplify Card
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
19.49% p.a.
3% p.a. for 36 months
Take advantage of a 3% p.a. interest rate on balance transfers for 36 months. Plus, a $0 first year annual fee and 1 Amplify Point per $1 spent.
American Express Essential Credit Card
$0 p.a.
14.99% p.a.
0% p.a. for 12 months with 3% balance transfer fee
Get Smartphone Screen Insurance of up to $500 when you pay for your phone or contract with this card. Plus, a $0 annual fee for life.
St.George Rainbow Vertigo Visa
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
13.24% p.a.
0% p.a. for 18 months with 1% balance transfer fee
Enjoy $0 first year annual fee and a 0% p.a. for 18 months on balance transfers. Plus, receive up to 55 days interest-free on purchases.

Compare up to 4 providers

* The offers compared on this page are chosen from a range of products that finder.com.au can access to track details 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. It is not representative of any product’s star ratings and should not be taken as a recommendation of any form of credit. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

The Best* No Annual Fee Credit Cards Comparison

Compare the features of these credit cards with no annual fees to help you find one that works for you.

What is a no annual fee credit card?

A 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. This type of credit card can be ideal if you want to keep your costs low or can't justify paying high credit card fees.

But credit cards with no annual fee for life can charge higher standard interest rates for purchases compared to some 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, so you may miss out on rewards or complimentary extras.

What is the best* no annual fee credit card?

There isn't one "best" no annual fee credit card, because everyone has different spending habits and goals that influence what card works for them. So 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.

What types of no annual fee credit cards are available?

While some no annual fee credit cards are very basic, others offer a range of additional features and benefits. If you want to get access to other credit card features while paying a $0 annual fee, you can use the sections below to compare credit cards that combine a $0 annual fee with everything from introductory 0% interest rate offers to bonus rewards points and complimentary extras.

$0 annual fee and 0% balance transfer credit cards

A 0% balance transfer credit card that also offers no annual fee could help you save on credit card fees and charges while you pay down debt. With this type of card make sure you factor in any one-off balance transfer fees and check whether the $0 annual fee is for the first year or an ongoing feature of the account. Also note that if you have a balance transfer, you usually won't be eligible for an interest-free period on new purchases, so make sure you factor this into your budget if you plan to use the card for new payments.

Rates last updated February 23rd, 2018
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Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Amount Saved Product Description
American Express Essential Credit Card
0% p.a. for 12 months with 3% balance transfer fee
14.99% p.a.
$0 p.a.
Earn 1 Membership Rewards point per $1 spent and get Smartphone screen insurance when you pay for your phone or contract.
St.George Amplify Card
3% p.a. for 36 months
19.49% p.a.
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
Take advantage of a 3% p.a. interest rate on balance transfers for 36 months. Plus, a $0 first year annual fee and 1 Amplify Point per $1 spent.
Citi Simplicity Card
0% p.a. for 15 months with 1.5% balance transfer fee
19.99% p.a.
$0 p.a.
Earn 5% cashback on eligible purchases (capped at $50 per month) for the first 90 days from card approval. Plus, a 15 month balance transfer offer.
ANZ Platinum Credit Card
0% p.a. for 18 months with 2% balance transfer fee
19.74% p.a.
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Receive a 0% p.a. for 18 month balance transfer offer and a $0 first year annual fee. Plus, complimentary overseas travel and medical insurance.
St.George Vertigo Visa
0% p.a. for 18 months with 1% balance transfer fee
13.24% p.a.
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
Save with a $0 first year annual fee and a 0% p.a. for 18 months balance transfer offer. Plus, up to 55 days interest-free on purchases.

Compare up to 4 providers

No annual fee frequent flyer credit cards

Frequent flyer credit cards give you a way to earn more points through your everyday spending but usually come with high annual fees – especially if there are other travel benefits on offer. But there is a selection of frequent flyer credit cards that offer no annual fee for the first year. Depending on the card and offers available, you can also get frequent flyer cards with a reduced or low annual fee in the first year, which helps you save on costs in the short-term. You could also consider the Qantas American Express Discovery Card or the American Express Velocity Escape Card if you want a frequent flyer credit card with $0 annual fee for life.

Rates last updated February 23rd, 2018
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
ANZ Frequent Flyer Black
75,000 bonus points
Qantas Frequent Flyer


1
19.99% p.a.
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Get 75,000 bonus Qantas Points when you meet the spend requirement, a $0 first year annual fee & 2 yearly complimentary Qantas Club invitations.
ANZ Frequent Flyer
25,000 bonus points
Qantas Frequent Flyer


0.5
19.99% p.a.
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
Shop with ANZ Frequent Flyer Bonus Partners to earn Qantas Points faster, plus get exclusive Visa Entertainment offers.
ANZ Frequent Flyer Platinum
65,000 bonus points
Qantas Frequent Flyer


0.75
19.99% p.a.
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Receive a complimentary Qantas Frequent Flyer membership and a range of included insurance covers.

Compare up to 4 providers

Platinum credit cards with no annual fee

Platinum credit cards offer premium perks such as complimentary travel insurance, purchase insurance, $0 overseas transaction fees, airport lounge access and concierge services. Depending on the card you choose, you could also get a higher rate of points per $1 spent compared to regular cards. Most platinum cards have annual fees that offset the value of these perks, so getting one that has a $0 annual fee will help you get more value from the card's benefits.

Rates last updated February 23rd, 2018
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
Citi Simplicity Card
19.99% p.a.
$0 p.a.
Receive 5% cashback on all eligible purchases (capped at $50 per month) for the first 90 days from card approval.
ANZ Frequent Flyer Platinum
65,000 bonus points
Qantas Frequent Flyer


0.75
19.99% p.a.
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Receive a complimentary Qantas Frequent Flyer membership and a range of included insurance covers.
ANZ Frequent Flyer Black
75,000 bonus points
Qantas Frequent Flyer


1
19.99% p.a.
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Get 75,000 bonus Qantas Points when you meet the spend requirement, a $0 first year annual fee & 2 yearly complimentary Qantas Club invitations.
ANZ Platinum Credit Card
19.74% p.a.
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
Receive a 0% p.a. for 18 month balance transfer offer and a $0 first year annual fee. Plus, complimentary overseas travel and medical insurance.
ANZ Rewards Platinum
65,000 bonus points
ANZ Rewards Program


1.5
18.79% p.a.
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
Receive a $0 first year annual fee offer, 65,000 bonus Reward Points when you meet the spend criteria and up to 1.5 points per $1 spent.

Compare up to 4 providers

No annual fee credit cards with 0% purchase rates offers

These no annual fee credit cards offer you 0% interest on purchases for an introductory period that typically ranges from 3 to 12 months or more. After the introductory period, the 0% interest rate reverts to a standard variable rate that will apply to any balance remaining from your purchases. For example, you could get a $0 annual fee card that offers 0% p.a. on purchases for the first 6 months before a standard purchase rate of 17.99% p.a. applies. As long as you paid off your purchases during the 6-month introductory period, you wouldn't be charged any interest. So this type of offer is usually popular for people who have a lot of spending to do in a short amount of time, such as around the holiday season.

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.

Reward credit cards with no annual fee

These cards have no annual fees and earn reward points for every $1 spent. Depending on the card, you could also enjoy thousands of introductory bonus points when you meet specific spending requirements. For example, a card may give you 30,000 points if you spend $3,000 in the first 3 months from when your application's approved. This can help you get even more value from the card when you first get it.

Rates last updated February 23rd, 2018
Name Product Bonus Points Rewards Program Rewards Points per $ spent Purchase rate (p.a.) Annual fee Product Description
American Express Essential Credit Card
Membership Rewards Gateway


1
14.99% p.a.
$0 p.a.
Earn 1 Membership Rewards point per $1 spent and get Smartphone screen insurance when you pay for your phone or contract.
ANZ Rewards Black Credit Card
75,000 bonus points
ANZ Rewards Program


2
18.79% p.a.
$0 p.a. annual fee for the first year ($375 p.a. thereafter)
Receive 75,000 bonus points when you meet the spend requirement. Plus, complimentary travel insurance and a $0 annual fee for the first year.
ANZ Frequent Flyer Platinum
65,000 bonus points
Qantas Frequent Flyer


0.75
19.99% p.a.
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Receive 65,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months. Plus, a $0 annual fee for the first year.
American Express Velocity Escape Card
12,500 bonus points
Velocity Frequent Flyer


1
20.74% p.a.
$0 p.a.
Offers 0% p.a. for 12 months on balance transfers and complimentary purchase insurance.
Qantas American Express Discovery Card
Qantas Frequent Flyer


1
20.74% p.a.
$0 p.a.
Earn uncapped Qantas Points on purchases, pay $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.

Compare up to 4 providers

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

While most credit cards charge a fee worth between 2% and 3.5% of each transaction made in a foreign currency, some travel credit cards waive this cost. Since you're only likely to be using a travel credit card during your holiday, you could save on even more credit card fees by choosing one that also offers a low or $0 annual fee.

Rates last updated February 23rd, 2018
Name Product Foreign Currency Conversion Fee Overseas ATM Withdrawal Fee Overseas Cash Advance Fee Annual fee Product Description
Bankwest Zero Platinum Mastercard
0% of transaction value
$0
2% of transaction amount or $4 (whichever is greater)
$0 p.a.
Receive complimentary travel insurance, access to a 24/7 concierge service and purchase insurance covers.

Compare up to 4 providers

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

If you're interested in getting a credit card with no annual fee, ask yourself these questions to help compare your options:

  • NAFcard-questions250x250-shutterstockHow 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 card will give you the features that you need without burning a hole in your pocket while you're not using it.
  • 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 period, 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, you might want to cancel the card before the annual fee applies. If you'd prefer to skip that hassle altogether, compare cards with a low or $0 annual fee for life.
  • What other credit card fees and charges will you pay? While a $0 annual fee can help you save on costs, it doesn't mean you'll be getting a free credit card. As well as interest rates, make sure you check for other credit card fees that could apply, such as foreign transaction fees, late payment fees and cash advance charges. This will help you find a card that's affordable based on how and when you plan to use it.

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, a no annual fee credit card 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. No annual fee credit cards typically have higher ongoing interest rates than some other cards. This could add to your costs if you regularly carry a balance from month to month.
  • 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 higher 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 costs.

As there are many types of $0 annual fee credit cards on the market, it's important to consider your financial situation and how you intend to use the card. Then you can weigh up the type of $0 annual fee as well as the other features, benefits and costs to help you find a card that suits your needs.

card-questions-895x254-shutterstock

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

  • Q: If I have a credit card with a promotional $0 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 when you activate the card. This means the fee usually shows up 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 annual fee will usually be charged 12 months after you were approved for the credit card. If you don't want to pay this fee, you could ask the provider what date it will be charged and cancel the account before then.
  • Q: Is there any way to extend my credit card's annual fee waiver?
    A: This depends on the credit card provider. For example, some providers may waive your credit card annual fee when you also take out a home loan package with them. Others may waive or refund your annual fee if you meet specific conditions, such as spending a set amount each year or being a student. Contact your provider to find out if there are any other ways you can continue to pay no annual fee on your credit card.
  • Q: What is the best no annual fee credit card?*
    A: Because everyone has different preferences and needs, there is no one “best” no annual fee credit card. Instead, you should look at whether or not the $0 annual fee is a promotional offer or an ongoing feature and check the other costs and features that come with the card. This will help you make sure that the card gives you an affordable way to manage your finances before you apply.
  • Q: Is a no annual fee credit card free?
    A: Technically, there is no such thing as a "free credit card" because there is always the potential cost of interest if you carry a balance. There could also be other credit card fees that may apply for certain transactions (such as cash advances or purchases made overseas). But if you have a no annual fee card and pay off your account balance in full by the due date on each statement, you can get an interest-free period for your purchases that could allow you to use the card without paying fees or charges.
  • Q: What costs would apply if I got a credit card with no annual fee and rewards?
    A: This depends on the card and how you use it but some factors to consider include the interest rates, cash advance fee and foreign transaction fee. If you're comparing no annual fee credit cards with rewards, make sure you also look at full details of the annual fee – in most cases you only get a $0 annual fee in the first year before a higher standard fee is charged.
  • Q: Can I get a credit card with no annual fee for life and an ongoing low interest rate?
    A: Generally, these features are offered on separate cards – except when one of the features is promotional. For example, a no annual fee credit card may offer an introductory low or 0% interest rate before reverting to a higher standard rate, while a low rate credit card could offer no annual fee in the first year before a standard yearly account fee applies. But you can compare no annual fee and low rate cards side-by-side to help you find one that is affordable for you.
  • 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 a credit 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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122 Responses

  1. Default Gravatar
    TerryApril 11, 2017

    What about ING credit cards ?

    • Staff
      HaroldApril 12, 2017Staff

      Hi Terry,

      Thank you for your inquiry.

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

      I hope this information has helped.

      Cheers,
      Harold

  2. Default Gravatar
    EddyDecember 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
      MayDecember 26, 2016Staff

      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
    NanetteNovember 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
      LouNovember 2, 2016Staff

      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
    AzamOctober 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
    BrendanSeptember 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
      JonathanSeptember 10, 2015Staff

      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
      CharmaineOctober 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
      JonathanSeptember 22, 2016Staff

      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
      SharonOctober 29, 2015Staff

      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
    SujitSeptember 5, 2015

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

    • Staff
      JonathanSeptember 6, 2015Staff

      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
    ILISAPECIAugust 18, 2015

    how to apply

    • Staff
      JonathanAugust 18, 2015Staff

      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
    DevJune 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
    RayJune 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.comJune 5, 2015Staff

      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
    billMay 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
      JonathanMay 6, 2015Staff

      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 February 23rd, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
American Express Velocity Escape Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$0 p.a.
Receive a bonus 12,500 Velocity Points, pay a $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
Exclusive to finder.com.au, enjoy a 0% BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$99 p.a.
Platinum card benefits including complimentary insurance, plus 0% p.a. for 24 months on balance transfers (with no BT fee). Ends 28 February 2018.
Westpac Low Rate - Online Offer
13.49% p.a.
0% p.a. for 30 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Take advantage of 0% p.a. for 30 months on balance transfers with a 2% balance transfer fee when you apply online by 28 February 2018.

Compare up to 4 providers

* 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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