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
  • 18.99%

    p.a.

    2.9%

    24 months

    $0

    up to n/a
    Days

    Transfer non-Citibank credit cards, personal loans and store cards then pay just 2.9% p.a. for 24 months! This is the longest balance transfer on market and great for debt consolidation.
  • 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.
  • 19.99%

    p.a.

    n/a

    n/a months

    $0

    up to 62
    Days

    Coles MasterCard offers no annual fee for the first year and you can receive an instant $10 off your shopping if you redeem 2,000 flybuys points.
  • 17.99%

    p.a.

    0%

    8 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 8 months (2% handling fee) 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 offers no annual fee, 0% p.a. for the first 6 months on purchases with a great bonus points offer of 7,500 Qantas Frequent Flyer Points.
  • 19.99%

    p.a.

    0%

    6 months

    $0

    up to 55
    Days

    The HSBC Platinum Credit Card comes with 0% p.a. on balance transfers for 6 months (2% handling fee applies) with $0 annual fee for the first year and 1 reward point for every $1 that you spent.
  • 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.
  • 0%

    p.a.

    4.99%

    9 months

    $0

    up to 55
    Days

    Bankwest Zero offers No annual fee for life combined with 0% on purchases for the first 6 months and 4.99% on balance transfers for the first 9 months. You also receive 1 year extended warranty if you use your card to make purchases. Awarded ‘Best Transactor Credit Card’ in Money magazine's Best of the Best Awards 2012. Offer ends 29th of June 2012.