Best No Annual Fee Credit Cards

Most inefficient financial services firm I have encountered in over 20 years. I would recommend anyone but them. It's great being able to deal FX… Read more

rates at institutional rates. But when something goes wrong, it's almost impossible to get assistance from their call centre. They don't care and are incompetent.

BUYER BEWARE - YOUR CREDIT RECORD WILL BE DAMAGED – Prior to applying, I had reasonably decent credentials: credit scores of 1000+ across multiple creditors; income of $250k+; never later with… Read more

payments; good debt/income ratio. My application was declined, with no reason provided. All credit scores now down across the board 200+ points. Better cards out there with more transparency. Suggest avoiding.

There is no communication when the site is offline, and we can't access the account. Misleading information, see below. Website: "Your password is… Read more

incorrect" Me: Ok, let's change it... Enter the new one. Your password is incorrect! LMAO Truth: The website is down. The system is faulty. The website is down from August 4th to 6th, 2025. So It should be available on the 7th.... No, it is not. Waste of time, energy and money. ... Lots of financial costs are in the terms and conditions. Lack of transparency.

Bankwest rejected my application immediately despite a good financial situation. When I asked why, they wouldn't provide any information. Do not apply through Bankwest as a rejected application will look bad on your credit profile!

The Coles credit card system has got to be the worst set up. Even though they are underwritten by NAB or uses the NAB cards, the entire call centre… Read more

is based offshore with the slowest phone services. You are waiting on average 1-2 hours on the phone when speaking to someone who has no idea how to help you because it's a "self-service" based system online. The only problem is the "self-service" system online crashes with "unexpected errors" so frequently, it's surely expected by now. When bringing up things that cannot be processed online without an error - like opening the account or adding an additional account holder, they just stall you for hours over the phone only to tell you nothing can be done. It is not worth the time or effort, seriously look for any alternatives would be better use of your time!

worst credit card service I ever get – 1. Direct Debit Disaster Amex’s direct debit setup is supposed to make payments seamless, but it was anything but. I followed their instructions on… Read more

the first statement and set up direct debit a full month before the due date. However, when the due date passed, Amex didn’t charge my account as expected. A few days later, I received an overdue fee and interest charge. Despite doing everything correctly, I was penalized for their failure. This alone was bad, but what followed was even worse. 2. Frustrating App To resolve the issue, I tried reaching out to customer support. The only way to chat online is through their mobile app—there’s no web option. Sadly, the app itself is a nightmare to use. It repeatedly disconnected me, claiming I had been inactive for 5 minutes, even though I was actively typing messages. On one occasion, it cut me off mid-sentence while I was composing a response. 3. Rude Customer Support Due to the app issues, I ended up talking to multiple agents, and the experience only got worse. One agent outright dismissed my concerns, insisting I hadn’t set up direct debit—even though a previous agent had already confirmed that I had. When I asked them to check the system or review previous conversations, they refused and doubled down on their claim. When I requested to speak to a manager, the agent abruptly sent a generic “We haven’t heard from you” message and disconnected the chat, despite me having replied just a minute earlier and actively typing at the time.

Been a customer for almost 4 years. Absolutely disgraceful customer service. Mishandling of a direct debit arrangement, then to let the issue… Read more

progress without notice so they could say "gotcha" and slap $30 fees on my account. They are some of the worst actors out there. Horrible to deal with, also over seas call centres are robotic and you are just.a.number.

No contactless pay – Poor technical support and outdated systems, cannot even support Google Pay on many platforms. Show details

Just cancelled my card with them. They are all good until you have a dispute with a vendor and then they will disappear. Zero trust or protection from Kogan. Pretty important thing to get right for your consumer confidence. Show details

I've been a long-term customer with ING. I chose ING over the money-grabbing major banks because they offer great products with NO fees and good… Read more

interest rates on their savings accounts.

I felt a tremendous disappointment today when I received notification from ING informing me that I will now incur an annual fee on my 'no frills' low interest rate Orange one credit card. They have other cards products with all the bells and whistles, which incur higher fees/interest together with other benefits.

Now I'm being penalised (and possibly, subsidising their upmarket products) for electing to not be part of the high-end customer base.

Disgraceful move ING, especially at a time when so many of us are are doing what we can to deal with the ever-increasing cost of living while still having some sort of lifestyle. (To think, I use to sing your praises to my friends).

After being with ME for over five years, using their popular Frank credits card, three weeks ago received first SMS saying that I overpaid due amount… Read more

and need to take it back or my credit limit will be suspended. I always pay back on time and have never been ask to take back those few extra bucks which would be spent soon anyway. We talking about credit card, yes?! Today I got another SMS warning me that my credit card limit is going to be suspended in July, month from now, and my credit card cancelled mid August. And, sure enough, to repay all outstanding rates before they close my account. Seriously?? First, I couldn't believe then I thought: must be a spam, fake, fraud whatever but not for real. Of course I called ME customer service and was waiting over 40 minutes before I hang up. Later afternoon, same day, I call again and waited well over 20 minutes before I got a nice lady to talk to. When I explained my concerns she assured me that it was true, my credit card is about to be permanently closed. When I asked what would be the reason as I know I did nothing wrong she bluntly replied: we are closing all Frank cards and I can't tell you details because we haven't been told. Still in shock, I asked why I haven't got an email or where on their website customers can read details she answered even more mysteriously: I'll lodge your complaint in writing to my boss... I don't think anyone needs my explanation why I'm now leaving ME bank and closing all of my accounts with them

Great – Had 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.

How in 2025 can you have an application process that doesn't allow you to fully edit existing applications? – Started an application online that they automatically saved. On re-opening it the next day, I was unable to go back a few screens to the income… Read more

input screens. So tried to create a new application and then received a message saying I was unable to start a new one as I had one already in progress. Rang support who essentially said suffer in my jocks as that's just how it is. So I am now unable to edit the existing application which has errors and unable to submit a new one so I'm snookered.

You get what you pay for – They changed the card from 55 days to 44 days and when you pay 1 day late, they charge you interest for the following 2 months. What a joke! I was… Read more

forced to sign up to this card because Citibank no longer offered the Emirates card which I'd had for more than 10 years and now faced with an inferior product. But I guess you get what you pay for and in this instance it is $0 because there's no annual fee.

Terrible experience as I made a typo on repayment amount, paid $5 less full payment. Then I was interest charged $14 as penalty, followed by interest… Read more

charge on every single dollar spent within 55 days after the miss. It's all running at the background without giving you any notice, until a statement arrives.

Not until I spent 15min getting to their chat I was told all about this. The customer service simply copy and paste all T&C like robot. You should really know how to ask the questions to get a proper answer from them.

I paid full straight away. But the payment could not be made at weekend, and could only be counted on the following Tue. Before then you expect interest charge is still running. So much stress!

While they suggest this can be avoided by setting up Direct Debit, funny is they do old school with print, sign, and postal. They try to stress you by all mean. You need to be smart enough to use this card.