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.

Brand
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Rating
Card Type
Purchase Rate
8.99% p.a.
Interest Free Period
Benefits
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Minimum Credit Limit
$500
Rewards Program
Points Earn Rate
0.5 points per $1
Introductory Rate Period
6 months
Contactless Payments

Based on 3,983 reviews
Latitude 28 Degrees Global Platinum Mastercard

Latitude 28 Degrees Global Platinum Mastercard

3.6  (1,878)
 Summary
  • Purchase Rate21.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
melir
melir18 posts
 
Terrible financial productWe couldn’t make repayments while overseas. It was not possible to contact this company while overseas. There are so many issues with this product. Please don’t use it and don’t let your kids use it. Show details
Qantas American Express Discovery

Qantas American Express Discovery

4.1  (57)
 Summary
  • Purchase Rate20.74% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 44 days
WalterWhite
WalterWhite
 
Latitude Infinity Rewards Visa

Latitude Infinity Rewards Visa

4.0  (65)
 Summary
  • Purchase Rate23.95% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
Anne Porter
Anne Porter
 
Bankwest Zero Platinum MasterCard

Bankwest Zero Platinum MasterCard

3.8  (51)
 Summary
  • Purchase Rate17.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
Cambo
CamboNSW9 posts
  Verified
Coles No Annual Fee MasterCard

Coles No Annual Fee MasterCard

3.1  (181)
 Summary
  • Purchase Rate19.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
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N G.
N G.NSW2 posts
 
What a mistake this was signing up to a coles MastercardDo not get this product. How hard can it be to close and pay an account? Thrash app, thrash customer service. All round just terrible Show details
GO MasterCard

GO MasterCard

2.8  (1,179)
 Summary
  • Purchase Rate23.95% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
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Jo-Anne Irwin
Jo-Anne IrwinQLD2 posts
 
A Credit Card for you to be happy withI've had my Go Latitude Mastercard now for over 7 months and have not been happier with the interest rate, the 6 month interest free terms on items over $250 and the customer service which include bonus offers. I have had many cards over the years but honestly this one is very good. Hope you agree. Just try it. Show details
Virgin Money No Annual Fee Visa

Virgin Money No Annual Fee Visa

2.7  (181)
 Summary
  • Purchase Rate18.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
Valerio
Valerio
 
Choice a better credit card next timeApplied for the card to get rewards , card approved 20 days before i got it at home. Had no chance to obtain points since the short time from approval to get it in my possess.
Unclear communications and provedures. App low functions. Show details
BankWest Zero MasterCard Classic

BankWest Zero MasterCard Classic

2.8  (53)
 Summary
  • Purchase Rate17.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
Venkatesa
VenkatesaNSW3 posts
 
Kogan Money Black Card

Kogan Money Black Card

2.3  (133)
 Summary
  • Purchase Rate20.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
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WestyGardener
WestyGardener3 posts
 
reward points are a scamKogan points are useless. I have been back and forth with Kogan support for a few days. it wont let me purchase a single item on kogan.com with my reward points. They told me I can only purchase items with a tile for reward points purchase. the only problem is there isn't a single item I have seen on the site with this tile. What a scam. Show details
American Express Essential

American Express Essential

2.2  (141)
 Summary
  • Purchase Rate14.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
Kumar
KumarNSW
 
Amex supporting fraud company kiwi.com who cheats lot of customersI booked flight ticket with kiwi.com, it cancelled flight with out giving any refund. When I contacted amex as I have buyer protection policy. I didn't get any response from amex. Show details
ING Orange One

ING Orange One

2.6  (38)
 Summary
  • Purchase Rate11.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 45 days
Rambler 101
Rambler 10113 posts
 
LOOK FOR OTHER OPTIONSING: REJECTS long standing loyal customer, with impeccable record of credit card repayments. ING DISREGARDS customer's personal assets and extensive Savings and Retirement accounts incomes and balances, deeming customer unacceptable.
Don't bother applying, look elsewhere and save yourself from the unpleasant experience of an ING rejection! Show details
ME Bank Frank Credit Card

ME Bank Frank Credit Card

2.6  (14)
 Summary
  • Purchase Rate11.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
Mesk
MeskNSW4 posts
 
ME (Members Equity) Bank
ME (Members Equity) Bank   DM   
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St.George No Annual Fee

St.George No Annual Fee

4.7  (3)
 Summary
  • Purchase Rate20.74% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
Droopster
DroopsterGeelong5 posts
  Fair Incentive
GreatHad this card for a number of years and never had an issue. Auto payment sweep is a great feature, and I never have to worry about paying the interest.
BankSA No Annual Fee Visa

BankSA No Annual Fee Visa

2.8  (4)
 Summary
  • Purchase Rate20.74% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
humle97
humle97South Australia
  Verified
Excellent for basic useHave used this as my only credit card to help acquired a positive credit rating and have had no dramas at all. It doesn't collect any form of frequent flyer or velocity points, but for basic use it does everything you need it to do. Show details
Citibank Citi Simplicity

Citibank Citi Simplicity

3.0  (2)
 Summary
  • Purchase Rate21.49% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
Fe
FeNT12 posts
 
NO STARS - a terrible credit card with no service from CitibankDont ever go near citibank for any credit cards
- they treat people terribly and do not help resolve any issues. They use an Indian call centre offshore who says whatever suits them. Poor service and dreadful staff Show details
American Express Low Rate

American Express Low Rate

5.0  (1)
 Summary
  • Purchase Rate8.99% p.a.
  • Annual Fee$0 p.a.
  • Interest Free Period 55 days
Gbenga
GbengaQLD7 posts
  Fair Incentive
Great credit card linked to PayPalGreat card if you pay your bills on time. We pay by direct debit so we are not slugged with charges. We link it to our PayPal payment and so we are able to pay for products that the sellers would not normally accept Amex. Their reward scheme is also great and reliable. Show details
HSBC Premier World Mastercard

HSBC Premier World Mastercard

3.5  (2)
 Summary
  • Purchase Rate19.99% p.a.
  • Annual Fee$0 p.a. and $99 p.a.
  • Sign-Up Bonus Points40,000
Dave O
Dave ONSW
  Qantas Rewards

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