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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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Latitude 28 Degrees Global Platinum Mastercard
  • Card Type: Mastercard
  • Benefits: No Foreign Transaction Fee
  • Minimum Credit Limit: $6,000
  • Contactless Payments: Apple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Annual Fee: $0 p.a.
  • Interest Free Period: 55 days

Qantas American Express Discovery
  • Card Type: American Express
  • Minimum Credit Limit: $2,000
  • Minimum Income: $35,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rate: 0.75 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Annual Fee: $0 p.a.
  • Interest Free Period: 44 days

Virgin Money No Annual Fee Visa
  • Card Type: Visa
  • Minimum Credit Limit: $2,000
  • Minimum Income: $25,000
  • Contactless Payments: Samsung Pay
  • Annual Fee: $0 p.a.
  • Interest Free Period: 44 days

Coles No Annual Fee MasterCard
  • Card Type: Mastercard
  • Benefits: Cashback Offer
  • Minimum Credit Limit: $2,000
  • Maximum Credit Limit: $60,000
  • Minimum Income: $25,000
  • Rewards Program: flybuys
  • Annual Fee: $0 p.a.
  • Interest Free Period: 55 days

BankWest Zero MasterCard
  • Card Type: Mastercard
  • Benefits: No Foreign Transaction Fee
  • Minimum Credit Limit: $1,000
  • Maximum Credit Limit: $25,000
  • Minimum Income: $20,000
  • Contactless Payments: Apple Pay and Google Pay
  • Annual Fee: $0 p.a.
  • Interest Free Period: 55 days

Bankwest Zero Platinum MasterCard
  • Card Type: Mastercard
  • Benefits: Complimentary Travel Insurance and No Foreign Transaction Fee
  • Minimum Credit Limit: $6,000
  • Maximum Credit Limit: $50,000
  • Minimum Income: $65,000
  • Contactless Payments: Apple Pay and Google Pay
  • Annual Fee: $0 p.a.
  • Interest Free Period: 55 days

American Express Essential
  • Card Type: American Express
  • Minimum Credit Limit: $2,000
  • Maximum Credit Limit: $25,000
  • Minimum Income: $40,000
  • Rewards Program: American Express Membership Rewards
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Annual Fee: $0 p.a.
  • Interest Free Period: 55 days

GO MasterCard
  • Card Type: Mastercard
  • Minimum Credit Limit: $1,000
  • Maximum Credit Limit: $25,000
  • Rewards Program: GO Rewards
  • Contactless Payments: Apple Pay, Google Pay and Samsung Pay
  • Annual Fee: $0 p.a.
  • Interest Free Period: 55 days

ING Orange One
  • Card Type: Visa
  • Benefits: No Foreign Transaction Fee
  • Minimum Credit Limit: $1,000
  • Maximum Credit Limit: $30,000
  • Contactless Payments: Apple Pay
  • Annual Fee: $0 p.a.
  • Interest Free Period: 45 days

St.George No Annual Fee
  • Card Type: Visa
  • Minimum Credit Limit: $500
  • Maximum Credit Limit: $40,000
  • Contactless Payments: Google Pay and Samsung Pay
  • Annual Fee: $0 p.a.
  • Interest Free Period: 55 days

BankSA No Annual Fee Visa
  • Card Type: Visa
  • Minimum Credit Limit: $500
  • Maximum Credit Limit: $40,000
  • Contactless Payments: Apple Pay, Google Pay and Samsung Pay
  • Annual Fee: $0 p.a.
  • Interest Free Period: 55 days

Westpac Low Fee
  • Card Type: Mastercard
  • Benefits: Reduced First Year Annual Fee
  • Contactless Payments: Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Annual Fee: $30 p.a.
  • Interest Free Period: 55 days

Citibank Citi Simplicity
  • Card Type: Visa
  • Minimum Credit Limit: $6,000
  • Maximum Credit Limit: $100,000
  • Contactless Payments: Apple Pay and Samsung Pay
  • Annual Fee: $0 p.a.
  • Interest Free Period: 55 days

Westpac Low Fee Platinum
  • Card Type: Mastercard
  • Benefits: Complimentary Travel Insurance and Reduced First Year Annual Fee
  • Contactless Payments: Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Annual Fee: $90 p.a.
  • Interest Free Period: 55 days
  • Introductory Rate: 0% p.a. on purchases for up to 9 months from card approval
  • Reduced First Year Annual Fee: $0.00