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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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15 listings


Qantas American Express Discovery

Qantas American Express Discovery

47 reviews
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 Rate20.74% p.a.


Latitude 28 Degrees Global Platinum Mastercard

Latitude 28 Degrees Global Platinum Mastercard

1,268 reviews
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

One of the most popular travel cards in Australia, this card has no annual fee and no foreign transaction fees.

Purchase Rate21.99% p.a.


Bankwest Zero Platinum MasterCard

Bankwest Zero Platinum MasterCard

36 reviews
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 Rate17.99% p.a.


Coles No Annual Fee MasterCard

Coles No Annual Fee MasterCard

149 reviews
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Card Type: Mastercard
  • Benefits: Introductory Interest Rate
  • 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
  • Introductory Rate : 0% p.a. for the first 12 months

Purchase Rate19.99% p.a.


Virgin Money No Annual Fee Visa

Virgin Money No Annual Fee Visa

159 reviews
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 Rate18.99% p.a.


BankWest Zero MasterCard

BankWest Zero MasterCard

42 reviews
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 Rate17.99% p.a.


American Express Essential

American Express Essential

101 reviews
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 Rate14.99% p.a.


GO MasterCard

GO MasterCard

570 reviews
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 Rate22.74% p.a.


ING Orange One

ING Orange One

21 reviews
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 Rate11.99% p.a.


Citibank Citi Simplicity

Citibank Citi Simplicity

1 review
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 Rate19.99% p.a.


Westpac Low Fee Platinum

Westpac Low Fee Platinum

1 review
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
  • Introductory Rate : 0% p.a. on purchases for up to 9 months from card approval
  • Reduced First Year Annual Fee : $0.00

Purchase Rate20.09% p.a.


St.George No Annual Fee

St.George No Annual Fee

3 reviews
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 Rate20.74% p.a.


ME Bank Frank Credit Card

ME Bank Frank Credit Card

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

Purchase Rate11.99% p.a.


Westpac Low Fee

Westpac Low Fee

3 reviews
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 Rate20.09% p.a.


BankSA No Annual Fee Visa

BankSA No Annual Fee Visa

4 reviews
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 Rate20.74% p.a.