Best No Annual Fee Credit Cards

Take advantage of all the benefits of a credit card without having to pay an annual fee. A credit card with no annual fee is great as a first credit card or as an extra one for a rainy day. Even if you don't use it, it won't cost you anything to keep it.

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Credit cards with no annual fees tend to have less perks and generally aren't attached to any rewards programs. However, even with zero account keeping fees, some offer features that can help save you money. If you're a frequent traveller or looking to go on holidays, consider a card with no foreign transaction fees or complimentary travel insurance.

If you are looking to get a fee free emergency credit card, consider how many interest free days and the credit limit amount you'd like your card to have. Perhaps you also have a preference for a Mastercard, American Express or Visa card. You can use and combine various filters such as the Minimum Credit Limit, Interest Free Period and Card Type to sort them according to your needs.

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16 listings

Latitude 28 Degrees Global Platinum Mastercard

Latitude 28 Degrees Global Platinum Mastercard

3.8 from 1,755 reviews
Purchase Rate21.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days

One of the most popular travel cards in Australia, this card has no annual fee and no foreign transaction fees.

  • No Annual Fee

  • No International Transaction Fees

  • No Currency Conversion Fees

  • Reviewers complain about fees when paying off the card (e.g. $0.95 BPAY fee)

  • Website and app experience seen as sub-par

  • Transparency
    4.4 (1,041)
  • Customer Service
    4.3 (1,066)
  • Rates and Fees
    4.5 (1,086)
  • Rewards
    2.9 (186)
  • Online Experience
    4.3 (1,036)
  • Application Process
    4.5 (907)
  • Foreign Transaction Fee 0%
  • BenefitsNo Foreign Transaction Fee
  • Minimum Credit Limit $6,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Qantas American Express Discovery
  • Award Winner 2020

Qantas American Express Discovery

4.3 from 52 reviews
Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 44 days
  • No Annual Fee

  • No Points Earn Cap

  • 0.75 point-per-dollar rate is reasonable for a $0-annual fee card

  • Generally fewer sign-up bonus points compared to other cards

  • Low Interest-Free Period (44 Days)

  • Transparency
    4.4 (37)
  • Customer Service
    4.7 (35)
  • Rates and Fees
    4.3 (36)
  • Rewards
    4.2 (33)
  • Online Experience
    4.4 (34)
  • Application Process
    4.6 (34)
  • BenefitsTravel Credit
  • Minimum Credit Limit $2,000
  • Maximum Credit Limit $100,000
  • Minimum Income $35,000
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 0.75 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
Bankwest Zero Platinum MasterCard

Bankwest Zero Platinum MasterCard

3.9 from 44 reviews
Purchase Rate17.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • $0 Annual Fee

  • No Foreign Transaction Fees

  • Complimentary Overseas Travel Insurance

  • 2.99% p.a. on Balance Transfers for the first 9 months

  • No attached rewards program

  • Transparency
    4.5 (31)
  • Customer Service
    4.1 (33)
  • Rates and Fees
    4.5 (31)
  • Rewards
    2.2 (9)
  • Online Experience
    4.2 (33)
  • Application Process
    4.4 (31)
  • Foreign Transaction Fee 0%
  • BenefitsComplimentary Travel Insurance and No Foreign Transaction Fee
  • Minimum Credit Limit $6,000
  • Maximum Credit Limit $50,000
  • Minimum Income $65,000
  • Contactless PaymentsApple Pay and Google Pay
Coles No Annual Fee MasterCard

Coles No Annual Fee MasterCard

3.1 from 171 reviews
Purchase Rate19.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
GO MasterCard

GO MasterCard

2.9 from 1,117 reviews
Purchase Rate19.95% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
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Virgin Money No Annual Fee Visa

Virgin Money No Annual Fee Visa

2.8 from 170 reviews
Purchase Rate18.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
BankWest Zero MasterCard Classic

BankWest Zero MasterCard Classic

2.9 from 48 reviews
Purchase Rate17.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
American Express Essential

American Express Essential

2.4 from 122 reviews
Purchase Rate14.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
ING Orange One

ING Orange One

2.9 from 28 reviews
Purchase Rate11.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 45 days
ME Bank Frank Credit Card

ME Bank Frank Credit Card

2.8 from 12 reviews
Purchase Rate11.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
Kogan Money Black Card

Kogan Money Black Card

1.6 from 44 reviews
Purchase Rate20.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
Citibank Citi Simplicity

Citibank Citi Simplicity

5.0 from 1 review
Purchase Rate21.49% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
American Express Low Rate

American Express Low Rate

5.0 from 1 review
Purchase Rate8.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
St.George No Annual Fee

St.George No Annual Fee

4.7 from 3 reviews
Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
HSBC Premier World Mastercard

HSBC Premier World Mastercard · includes 2 listings

3.0 from 1 review
Purchase Rate19.99% p.a.
Annual Fee$0 p.a. and $99 p.a.

Sign-Up Bonus Points40,000

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BankSA No Annual Fee Visa

BankSA No Annual Fee Visa

2.8 from 4 reviews
Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days