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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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17 listings

Latitude 28 Degrees Global Platinum Mastercard

Latitude 28 Degrees Global Platinum Mastercard

3.8 from 1,590 reviews
Purchase Rate21.99% p.a.
Annual FeeA$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 (899)
  • Rewards
    3.0 (143)
  • Online Experience
    4.3 (886)
  • Customer Service
    4.4 (917)
  • Rates and Fees
    4.5 (936)
  • Application Process
    4.5 (785)
  • BenefitsNo Foreign Transaction Fee
  • Minimum Credit Limit A$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 49 reviews
Purchase Rate20.74% p.a.
Annual FeeA$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
    4.5 (35)
  • Rewards
    4.4 (31)
  • Online Experience
    4.5 (32)
  • Customer Service
    4.8 (33)
  • Rates and Fees
    4.4 (34)
  • Application Process
    4.7 (32)
  • BenefitsTravel Credit
  • Minimum Credit Limit A$2,000
  • Maximum Credit Limit A$100,000
  • Minimum Income A$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 42 reviews
Purchase Rate17.99% p.a.
Annual FeeA$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 (29)
  • Rewards
    2.4 (8)
  • Online Experience
    4.1 (31)
  • Customer Service
    4.0 (31)
  • Rates and Fees
    4.4 (29)
  • Application Process
    4.3 (29)
  • BenefitsComplimentary Travel Insurance and No Foreign Transaction Fee
  • Minimum Credit Limit A$6,000
  • Maximum Credit Limit A$50,000
  • Minimum Income A$65,000
  • Contactless PaymentsApple Pay and Google Pay
Coles No Annual Fee MasterCard

Coles No Annual Fee MasterCard

3.2 from 160 reviews
Purchase Rate19.99% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • No annual fee

  • 0% p.a. balance transfers for 18 months when you apply by 31 August 2020

  • $10 off Coles supermarket shop at the checkout each time you redeem 2,000 flybuys points

  • Low flybuys points earn rate of 1 Flybuy Point per $2

  • 2.5% International Transaction Fee

  • Relatively high 19.99% interest rate

  • Reviewers mention poor customer service should an issue arise

  • Transparency
    3.9 (97)
  • Rewards
    4.0 (83)
  • Online Experience
    3.7 (96)
  • Customer Service
    3.8 (98)
  • Rates and Fees
    4.2 (97)
  • Application Process
    4.3 (84)
  • Minimum Credit Limit A$2,000
  • Maximum Credit Limit A$60,000
  • Minimum Income A$25,000
  • Rewards Programflybuys
  • Points Earn Rate 0.5 points per $1
  • Contactless PaymentsApple Pay and Samsung Pay
Virgin Money No Annual Fee Visa

Virgin Money No Annual Fee Visa

2.9 from 164 reviews
Purchase Rate18.99% p.a.
Annual FeeA$0 p.a.
Interest Free Period 44 days
  • No Annual Fee

  • 6.9% p.a. on balance transfers for up to 36 months if you apply by 02 December 2019

  • 3.3% International Transaction Fee

  • You can't earn Velocity Points even though this card is issued by Virgin

  • Balance Transfer Rate at the end of the offer period reverts to the Cash Advance Rate of 20.99% p.a.

  • Transparency
    2.1 (16)
  • Rewards
    2.1 (11)
  • Online Experience
    2.0 (14)
  • Customer Service
    2.1 (16)
  • Rates and Fees
    2.7 (13)
  • Application Process
    2.4 (14)
  • Minimum Credit Limit A$2,000
  • Minimum Income A$25,000
  • Contactless PaymentsSamsung Pay
GO MasterCard

GO MasterCard

2.7 from 866 reviews
Purchase Rate22.74% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • 0% interest for a set period (min. $300 purchases)

  • Three repayment options to choose from

  • $5.95 Monthly Fee

  • $25 Establishment Fee

  • High rate once the interest-free period ends (22.74%)

  • 3% International Transaction Fee

  • Transparency
    3.5 (409)
  • Rewards
    2.6 (151)
  • Online Experience
    3.6 (377)
  • Customer Service
    3.6 (423)
  • Rates and Fees
    3.2 (425)
  • Application Process
    4.0 (361)
  • Minimum Credit Limit A$1,000
  • Maximum Credit Limit A$25,000
  • Rewards ProgramGO Rewards
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
BankWest Zero MasterCard

BankWest Zero MasterCard

2.9 from 48 reviews
Purchase Rate17.99% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • No annual fee

  • Accessible $1,000 minimum credit limit

  • 2.95% foreign transaction fee

  • Transparency
    3.7 (21)
  • Rewards
    2.4 (7)
  • Online Experience
    3.4 (20)
  • Customer Service
    3.4 (21)
  • Rates and Fees
    3.8 (21)
  • Application Process
    4.1 (19)
  • Minimum Credit Limit A$1,000
  • Maximum Credit Limit A$25,000
  • Minimum Income A$20,000
  • Contactless PaymentsApple Pay and Google Pay
American Express Essential

American Express Essential

2.5 from 108 reviews
Purchase Rate14.99% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • $0 Annual Fee & Low Interest Rate of 14.99% p.a. on purchases

  • Earn up to 1.25 Membership Rewards Points per $1

  • 0% p.a. on Balance Transfers for the first 12 months

  • Smartphone Screen Insurance

  • Add up to 4 Additional Cards at no extra cost

  • 3% Balance Transfer Fee

  • 3% Currency Conversion Fee

  • Transparency
    3.9 (44)
  • Rewards
    3.8 (38)
  • Online Experience
    3.8 (41)
  • Customer Service
    3.9 (44)
  • Rates and Fees
    3.7 (42)
  • Application Process
    4.2 (37)
  • Minimum Credit Limit A$2,000
  • Maximum Credit Limit A$25,000
  • Minimum Income A$40,000
  • Rewards ProgramAmerican Express Membership Rewards
  • Points Earn Rate 1.25 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
ING Orange One

ING Orange One

3.0 from 26 reviews
Purchase Rate11.99% p.a.
Annual FeeA$0 p.a.
Interest Free Period 45 days
  • No Annual Fee

  • Set up instalment payments for a reduced rate

  • Accessible $1,000 minimum credit limit

  • "No International Transaction Fee" is conditional

  • Transparency
    3.5 (20)
  • Rewards
    2.7 (10)
  • Online Experience
    3.5 (19)
  • Customer Service
    3.5 (21)
  • Rates and Fees
    4.3 (19)
  • Application Process
    3.6 (17)
  • BenefitsNo Foreign Transaction Fee
  • Minimum Credit Limit A$1,000
  • Maximum Credit Limit A$30,000
  • Contactless PaymentsApple Pay
American Express Velocity Escape

American Express Velocity Escape

3.5 from 10 reviews
Purchase Rate20.74% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • $0 Annual Fee

  • 0% p.a. on Balance Transfers for the 12 months

  • Earn up to 0.75 Velocity Points per $1 spent, uncapped

  • 1% Balance Transfer Fee

  • 3% Foreign Transaction Fee

  • Transparency
    4.5 (6)
  • Rewards
    4.0 (6)
  • Online Experience
    4.3 (6)
  • Customer Service
    4.2 (6)
  • Rates and Fees
    4.3 (6)
  • Application Process
    4.5 (6)
  • BenefitsReduced First Year Annual Fee
  • Minimum Credit Limit A$2,000
  • Maximum Credit Limit A$25,000
  • Minimum Income A$40,000
  • Rewards ProgramVelocity Frequent Flyer
  • Points Earn Rate 0.75 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
Kogan Money Black Card

Kogan Money Black Card

1.1 from 18 reviews
Purchase Rate20.99% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • Earn $100 Kogan.com Credit when you apply and spend $1,000 in the first 60 days from approval

  • No Annual Fee

  • 0% p.a. for 22 months on Balance Transfers

  • Complimentary Kogan First Membership

  • 3.4% International Transaction Fee

  • Reward points can only be redeemed for eligible purchases on Kogan.com, Kogan Mobile or Kogan Internet

  • Transparency
    1.1 (15)
  • Rewards
    1.5 (8)
  • Online Experience
    1.1 (15)
  • Customer Service
    1.1 (14)
  • Rates and Fees
    1.5 (12)
  • Application Process
    1.8 (13)
  • Minimum Credit Limit A$6,000
  • Minimum Income A$35,000
  • Points Earn Rate 2 points per $1
  • Sign-Up Bonus $100 Kogan.com credit when you spend $1,000 on eligible purchases in the first 60 days from card approval.
Citibank Citi Simplicity

Citibank Citi Simplicity

5.0 from 1 review
Purchase Rate21.49% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • No Annual Card Fee and No Late Payment Fee

  • 0% p.a. Balance Transfers for 6 months

  • Add up to 4 Additional Cardholders at no additional cost

  • 3.4% International Transaction Fee

  • Balance Transfer Rate reverts to the high Cash Advance Rate of 19.99% p.a. after the offer period ends

  • Transparency
    5.0 (1)
  • Rewards
    5.0 (1)
  • Online Experience
    5.0 (1)
  • Customer Service
    5.0 (1)
  • Rates and Fees
    5.0 (1)
  • Application Process
    5.0 (1)
  • Minimum Credit Limit A$6,000
  • Maximum Credit Limit A$100,000
  • Contactless PaymentsApple Pay and Samsung Pay
American Express Low Rate

American Express Low Rate

5.0 from 1 review
Purchase Rate8.99% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • $0 Annual Fee

  • Low Interest Rate of 8.99% on purchases

  • 0% p.a. on Balance Transfers for the first 12 months

  • Add up to 4 Additional Cards at no extra cost

  • 1% Balance Transfer Fee

  • 3% Currency Conversion Fee

  • No attached rewards program

  • Rewards
    5.0 (1)
  • Online Experience
    5.0 (1)
  • Application Process
    5.0 (1)
  • Minimum Credit Limit A$1,000
  • Minimum Income A$50,000
  • Contactless PaymentsApple Pay, Fitbit Pay, Google Pay and Samsung Pay
St.George No Annual Fee

St.George No Annual Fee

4.7 from 3 reviews
Purchase Rate20.74% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • No Annual Fee

  • 0% p.a. on Balance Transfers for 12 months

  • Fraud Protection feature

  • Add up to 3 extra cards at no extra cost

  • 1% Balance Transfer Fee

  • 3% International Transaction Fee

  • Relatively high 20.74% p.a. Interest Rate on purchases

  • No attached rewards program

  • Minimum Credit Limit A$500
  • Maximum Credit Limit A$40,000
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay
ME Bank Frank Credit Card

ME Bank Frank Credit Card

3.6 from 7 reviews
Purchase Rate11.99% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • $0 Annual Fee

  • 11.99% p.a. Variable Interest Rate

  • Accessible Minimum Credit Limit of $1,000

  • 1.5% International Transaction Fee

  • 0.8% Mastercard Cross-border Fee

  • No attached rewards program

  • Transparency
    3.3 (6)
  • Rewards
    1.5 (2)
  • Online Experience
    3.6 (5)
  • Customer Service
    4.0 (6)
  • Rates and Fees
    5.0 (5)
  • Application Process
    4.0 (5)
  • Minimum Credit Limit A$1,000
  • Minimum Income A$25,000
HSBC Premier World Mastercard

HSBC Premier World Mastercard · includes 2 listings

3.0 from 1 review
Purchase Rate19.99% p.a.
Annual FeeA$0 p.a. and A$99 p.a.
Interest Free Period At least 55 days
  • $0 Annual Fee ($99 if you choose Qantas Rewards)

  • Earn up to 1.5 HSBC Rewards Points or 1 Qantas Point per $1 spent on eligible purchases

  • Complimentary Insurance Benefits, including Domestic and International Travel Insurance with rental vehicle excess cover

  • 2% Overseas Exchange Fees

  • Points capped at 10,000 per statement period

  • Minimum Credit Limit of $15,000 may be too high for you

  • Transparency
    4.0 (1)
  • Rewards
    3.0 (1)
  • Online Experience
    4.0 (1)
  • Customer Service
    4.0 (1)
  • Rates and Fees
    3.0 (1)
  • Application Process
    4.0 (1)
  • BenefitsComplimentary Travel Insurance
  • Minimum Credit Limit A$15,000
  • Rewards ProgramHSBC Rewards Plus
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsApple Pay and Google Pay
BankSA No Annual Fee Visa

BankSA No Annual Fee Visa

2.8 from 4 reviews
Purchase Rate20.74% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • No Annual Card Fee

  • 0% Balance Transfer Offer for 12 months

  • Add up to 3 extra cards at no additional cost

  • 1% Balance Transfer Fee

  • 3% Foreign Transaction Account

  • Relatively high 20.74% p.a. Interest Rate on purchases

  • Transparency
    3.5 (2)
  • Online Experience
    4.0 (2)
  • Customer Service
    4.5 (2)
  • Rates and Fees
    3.0 (2)
  • Application Process
    4.0 (2)
  • Minimum Credit Limit A$500
  • Maximum Credit Limit A$40,000
  • Contactless PaymentsApple Pay, Google Pay and Samsung Pay