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No Annual Fee Credit Cards in Western Australia Perth

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15 listings


Latitude 28 Degrees Global Platinum Mastercard
Purchase Rate21.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • 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
  • Purchase Rate: 21.99% p.a.
  • 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
Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 44 days
  • Card Type: American Express
  • Minimum Credit Limit : $2,000
  • Minimum Income : $35,000
  • Rewards Program: Qantas Frequent Flyer
  • Points Earn Rates : 0.75 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Purchase Rate: 20.74% p.a.
  • 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
Purchase Rate18.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 44 days
  • Card Type: Visa
  • Minimum Credit Limit : $2,000
  • Minimum Income : $25,000
  • Contactless Payments: Samsung Pay
  • Purchase Rate: 18.99% p.a.
  • 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
Purchase Rate19.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • 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 Rates : 0.5 points per $1
  • Contactless Payments: Apple Pay and Samsung Pay
  • Purchase Rate: 19.99% p.a.
  • 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

  • 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
Purchase Rate17.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • 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
  • Purchase Rate: 17.99% p.a.
  • Annual Fee: $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


BankWest Zero MasterCard
Purchase Rate17.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Minimum Credit Limit : $1,000
  • Maximum Credit Limit : $25,000
  • Minimum Income : $20,000
  • Contactless Payments: Apple Pay and Google Pay
  • Purchase Rate: 17.99% p.a.
  • Annual Fee: $0 p.a.
  • Interest Free Period : 55 days
  • No annual fee

  • Accessible $1,000 minimum credit limit

  • 2.95% foreign transaction fee


GO MasterCard
Purchase Rate22.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Minimum Credit Limit : $1,000
  • Maximum Credit Limit : $25,000
  • Rewards Program: GO Rewards
  • Points Earn Rates : 1 points per $1
  • Contactless Payments: Apple Pay, Google Pay and Samsung Pay
  • Purchase Rate: 22.74% p.a.
  • Annual Fee: $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%)


American Express Essential
Purchase Rate14.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • 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 Rates : 1.25 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • Purchase Rate: 14.99% p.a.
  • Annual Fee: $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


ING Orange One
Purchase Rate11.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 45 days
  • Card Type: Visa
  • Benefits: No Foreign Transaction Fee
  • Minimum Credit Limit : $1,000
  • Maximum Credit Limit : $30,000
  • Contactless Payments: Apple Pay
  • Purchase Rate: 11.99% p.a.
  • Annual Fee: $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


ME Bank Frank Credit Card
Purchase Rate11.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Minimum Credit Limit : $1,000
  • Minimum Income : $25,000
  • Purchase Rate: 11.99% p.a.
  • Annual Fee: $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


St.George No Annual Fee
Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Card Type: Visa
  • Minimum Credit Limit : $500
  • Maximum Credit Limit : $40,000
  • Contactless Payments: Google Pay and Samsung Pay
  • Purchase Rate: 20.74% p.a.
  • Annual Fee: $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


BankSA No Annual Fee Visa
Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Card Type: Visa
  • Minimum Credit Limit : $500
  • Maximum Credit Limit : $40,000
  • Contactless Payments: Apple Pay, Google Pay and Samsung Pay
  • Purchase Rate: 20.74% p.a.
  • Annual Fee: $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


Westpac Low Fee Platinum
Purchase Rate20.09% p.a.
Annual Fee$90 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Benefits: Complimentary Travel Insurance and Reduced First Year Annual Fee
  • Contactless Payments: Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 20.09% p.a.
  • 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
  • $0 First Year Annual Card Fee plus $0 Annual Fee in subsequent years when you spend $10,000 or more each year

  • 0% p.a. on purchases for up to 9 months from card approval if you apply by 15 October 2019

  • Transit Accident Insurance and Overseas Travel Insurance Cover

  • Purchase Security Insurance and Extended Warranty Insurance

  • $90 Annual Fee after your first year if you don't spend the required $10,000 each year

  • 3% Foreign Transaction Fee


Citibank Citi Simplicity
Purchase Rate19.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Card Type: Visa
  • Minimum Credit Limit : $6,000
  • Maximum Credit Limit : $100,000
  • Contactless Payments: Apple Pay and Samsung Pay
  • Purchase Rate: 19.99% p.a.
  • Annual Fee: $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


Westpac Low Fee
Purchase Rate20.09% p.a.
Annual Fee$30 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Benefits: Reduced First Year Annual Fee
  • Contactless Payments: Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Purchase Rate: 20.09% p.a.
  • Annual Fee: $30 p.a.
  • Interest Free Period : 55 days
  • $0 Annual Card Fee in the first year plus $0 Annual Fee in subsequent years if you spend $5,000 each year

  • Up to 55 days interest free on purchases

  • 3% Foreign Transaction Fee