No Annual Fee Credit Cards

No annual fee credit cards provide access to a credit card without the need to pay an annual fee. These cards can be sometimes difficult to receive a positive credit card application. Therefore you need to make sure you have good credit before applying for any of these cards.

Sometimes a credit card can seem like just another bill. After all, with all the repayments and hidden fees – the last thing you want to do when you get home is see a big annual fee. That’s why most banks created a No Annual Fee option for their credit cards; so that you can pay for what you use, when you use it – and nothing else. So don’t let your bills put you off your credit card, find a No Annual Fee option that’s perfect for you.

Recommended Credit Cards

 
 
  • Credit Card Purchase
    Rate
    Balance Transfer Annual
    Fee
    Interest
    Free Days
    Short Credit Card Description
  • 0%

    p.a.

    n/a

    0 months

    $0

    up to 44
    Days

    Pay no annual fee with an American Express Gold Ascent and a special offer of 0% on purchases for 6 months. This card offers a complimentary Membership Rewards Program allowing you to earn 1 membership reward point per $2 spent.
  • 17.99%

    p.a.

    0%

    6 months

    $0

    up to 55
    Days

    The HSBC Credit Card was the Winner of Money Magazine's 2010 'Best Transactor Credit Card' and now has a special introductory offer of 0% on Balance Transfers for the first 6 months (from non-HSBC credit and store cards) with no annual fee for life!
  • 20.74%

    p.a.

    n/a

    n/a months

    $0

    up to 44
    Days

    The Qantas Discovery card from American Express has no annual fee - and offers uncapped points earning with 1 point per $1 spent. You can add supplementary cards for free too meaning you and your partner can accumulate more points by spending with it.
  • 18.99%

    p.a.

    2.9%

    6 months

    $0

    up to 44
    Days

    The Virgin No Annual Fee Credit Card comes with no annual fee ever and an introductory low balance transfer rate of 2.9% for the first 6 months.
  • 18.99%

    p.a.

    2.9%

    15 months

    $99

    up to 55
    Days

    Introductory Rate: 2.9% p.a. on balance transfers for the first 15 months with No Annual, Monthly, Cheque, Transaction or Cash Advance Fees.
  • 1%

    p.a.

    4.99%

    12 months

    $0

    up to 55
    Days

    Bankwest Zero offers No annual fee for life combined with a intro purchase rate of 1% p.a. for 6 months and 4.99% on balance transfers for the first 12 months. You also receive 1 year extended warranty if you use your card to make purchases.