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.

17 listings
Latitude 28 Degrees Global Platinum Mastercard
Purchase Rate21.99% p.a.
Annual Fee$0.00 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
    4.3 (1,067)
  • Customer Service
    4.2 (1,096)
  • Rates and Fees
    4.4 (1,109)
  • Rewards
    2.7 (205)
  • Online Experience
    4.2 (1,063)
  • Application Process
    4.5 (923)
  • Foreign Transaction Fee 0%
  • BenefitsNo Foreign Transaction Fee
  • Minimum Credit Limit $6,000.00
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
2nd Best No Annual Fee Credit Card
Qantas American Express Discovery
Purchase Rate20.74% p.a.
Annual Fee$0.00 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
  • Transparency
    4.3 (40)
  • Customer Service
    4.5 (38)
  • Rates and Fees
    4.3 (36)
  • Rewards
    4.1 (35)
  • Online Experience
    4.3 (36)
  • Application Process
    4.5 (37)
  • BenefitsTravel Credit
  • Minimum Credit Limit $2,000.00
  • Maximum Credit Limit $100,000.00
  • Minimum Income $35,000.00
  • Rewards ProgramQantas Frequent Flyer
  • Points Earn Rate 0.75 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
3rd Best No Annual Fee Credit Card
Latitude Infinity Rewards Visa
Purchase Rate20.69% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days
$0 Annual Fee
Up to 55 days interest free
3% International Transaction Fees
$0.95 BPAY Fee
  • Transparency
    3.9 (51)
  • Customer Service
    3.9 (56)
  • Rates and Fees
    3.9 (51)
  • Rewards
    4.0 (44)
  • Online Experience
    3.7 (52)
  • Application Process
    4.1 (38)
  • Foreign Transaction Fee 3%
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Bankwest Zero Platinum MasterCard
Purchase Rate17.99% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days
Coles No Annual Fee MasterCard
3.1 from 175 reviews
Purchase Rate19.99% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days

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Credit Card Awards 2020

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GO MasterCard
2.9 from 1,147 reviews
Purchase Rate19.95% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days
Virgin Money No Annual Fee Visa
Purchase Rate18.99% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days
BankWest Zero MasterCard Classic
Purchase Rate17.99% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days
ING Orange One
2.8 from 29 reviews
Purchase Rate11.99% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 45 days
American Express Essential
2.3 from 136 reviews
Purchase Rate14.99% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days
ME Bank Frank Credit Card
2.7 from 13 reviews
Purchase Rate11.99% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days
St.George No Annual Fee
4.7 from 3 reviews
Purchase Rate20.74% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days
Kogan Money Black Card
1.5 from 71 reviews
Purchase Rate20.99% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days
BankSA No Annual Fee Visa
2.8 from 4 reviews
Purchase Rate20.74% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days
Citibank Citi Simplicity
5.0 from 1 review
Purchase Rate21.49% p.a.
Annual Fee$0.00 p.a.
Interest Free Period 55 days

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American Express Low Rate
5.0 from 1 review
Purchase Rate8.99% p.a.
Annual Fee$0.00 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$0.00 p.a. and $99.00 p.a.

Sign-Up Bonus Points40,000