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.

Sponsorship - American Express Essential Credit Card - NAF - PE-42198

No Annual Fee Credit Card Offer

The American Express Essential® Credit Card offers Membership Rewards points per $1 spent, no annual fee and Smartphone Screen Insurance of up to $500.

  • Receive $50 credit when you apply online, are approved and spend $750 within the first 3 months of card membership.
  • Earn up to 1 Membership Rewards point for every $1 spent on eligible purchases.
  • Transfer your points to 8 Airline Rewards Partner Programs including Emirates Skywards and Singapore Airlines Krisflyer.
  • Enjoy Smartphone Screen Insurance of up to $500 when you pay for your phone or contract using your Essential Credit Card.

    Compare the best* No Annual Fee Credit Cards in Australia

    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-250x250-shutterstockA 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 May 26th, 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
    A no annual fee card that collects up to 1 Membership Rewards point for every $1 spent.
    0% p.a. for 12 months with 1% balance transfer fee 14.99% p.a. $0 p.a. Go to site More info
    HSBC Platinum Credit Card
    Earn 1 Reward Point per $1 spent and receive an annual fee refund with minimum spend.
    0% p.a. for 22 months with 2% balance transfer fee 19.99% p.a. $99 p.a. Go to site More info
    Qantas American Express Discovery Card
    Fly faster with up to 2 Qantas Points per $1 spent and enjoy the convenience of Apply Pay, Samsung Pay or Android Pay.
    0% p.a. for 12 months with 1% balance transfer fee 20.74% p.a. $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.
    2.99% p.a. for 9 months 17.99% 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.

    Name Product Product Description Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) 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 up to 1 point for every dollar spent on eligible purchases. Also, earn 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
    75,000 bonus points
    1
    19.99% p.a.
    $0 p.a. annual fee for the first year ($425 p.a. thereafter)
    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, earn up to 0.5 points for every dollar spent, plus enjoy a waived annual fee for the first year.
    25,000 bonus points
    0.5
    19.99% p.a.
    $0 p.a. annual fee for the first year ($95 p.a. thereafter)
    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 up to 0.75 Qantas Points for spending.
    50,000 bonus points
    0.75
    19.99% p.a.
    $0 p.a. annual fee for the first year ($295 p.a. thereafter)
    NAB Rewards Classic Card
    Earn 0.75 NAB Rewards Point per $1 spent and receive complimentary purchase protection insurance.
    40,000 bonus points
    0.75
    19.99% p.a.
    $0 p.a. annual fee for the first year ($95 p.a. thereafter)
    NAB Rewards Platinum Card
    Earn 1 NAB Rewards Point per $1 spent and receive double points on purchases made in major department and hardware stores.
    80,000 bonus points
    1
    19.99% p.a.
    $0 p.a. annual fee for the first year ($195 p.a. thereafter)

    Compare up to 4 providers

    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 May 26th, 2017
    Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
    Citi Simplicity Card
    A no annual fee Platinum card with Visa Front Line Access.
    VISA/MC: 0 AMEX: 0 No 19.99% p.a. 0% p.a. for 6 months $0 p.a. Go to site More info
    Coles Platinum No Annual Fee Mastercard
    A no annual fee card that collects 1 flybuys point per $2 spent.
    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 up to 0.75 Qantas Points for spending.
    0.75 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.

    $
    Name Product Product Description 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 p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months.
    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

    Compare up to 4 providers

    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.

    Name Product Product Description Bonus Points Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Purchase rate (p.a.) Annual fee
    NAB Rewards Platinum Card
    Earn 1 NAB Rewards Point per $1 spent and receive double points on purchases made in major department and hardware stores.
    80,000 bonus points
    1
    19.99% p.a.
    $0 p.a. annual fee for the first year ($195 p.a. thereafter)
    American Express Essential®  Credit Card
    A no annual fee card that collects up to 1 Membership Rewards point for every $1 spent.
    1
    14.99% p.a.
    $0 p.a.
    HSBC Platinum Credit Card
    Earn 1 Reward Point per $1 spent and receive an annual fee refund with minimum spend.
    1
    0
    19.99% p.a.
    $99 p.a.
    Coles No Annual Fee Mastercard
    Receive $100 off a single Coles Supermarket shop If you apply, are approved by 30 June 2017 and make a purchase within the first 30 days.
    0.5
    0
    19.99% p.a.
    $0 p.a.
    American Express Velocity Escape Card
    Take off sooner with up to 2 Velocity Points per $1 spent and pay $0 annual fee.
    1
    20.74% p.a.
    $0 p.a.

    Compare up to 4 providers

    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 May 26th, 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-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 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 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, 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 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 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-shutterstock

    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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    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 May 26th, 2017
    Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
    Virgin Australia Velocity Flyer Card - Exclusive Offer
    Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
    20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
    HSBC Platinum Credit Card
    Earn 1 Reward Point per $1 spent and receive an annual fee refund with minimum spend.
    19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 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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