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No Annual Fee Credit Cards in Victoria Melbourne and Geelong

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15 listings


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
  • 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


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
  • 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)


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
  • 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.


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
  • Points Earn Rate: 0.5 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Annual Fee: $0 p.a.
  • Interest Free Period: 55 days
  • Sign-Up Bonus: Receive 20,000 bonus points when you apply by 30 September and spend $500 in the first 60 days from approval.
  • No annual fee

  • 20,000 Bonus Flybuys Points when you apply by 30 September 2019 and spend $500 in the first 60 days from card approval

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

  • 0% p.a. on balance transfers for 6 months

  • Apple Pay, Samsung Pay

  • 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


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

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

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
  • Points Earn Rate: 1.25 points per $1
  • 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
  • Points Earn Rate: 1 points per $1
  • 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

ME Bank Frank Credit Card
  • Card Type: Mastercard
  • Minimum Credit Limit: $1,000
  • Minimum Income: $25,000
  • Annual Fee: $0 p.a.
  • Interest Free Period: 55 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 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

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
  • 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