??!

Best No Annual Fee Credit Cards

Go to first result

13 listings

Latitude 28 Degrees Global Platinum Mastercard

Latitude 28 Degrees Global Platinum Mastercard

3.8 from 1,699 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 (992)
  • Rewards
    2.9 (167)
  • Online Experience
    4.3 (981)
  • Customer Service
    4.4 (1,011)
  • Rates and Fees
    4.5 (1,035)
  • Application Process
    4.5 (863)
  • 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 52 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
    4.4 (37)
  • Rewards
    4.2 (33)
  • Online Experience
    4.4 (34)
  • Customer Service
    4.7 (35)
  • Rates and Fees
    4.3 (36)
  • Application Process
    4.6 (34)
  • 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 44 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 (31)
  • Rewards
    2.2 (9)
  • Online Experience
    4.2 (33)
  • Customer Service
    4.1 (33)
  • Rates and Fees
    4.5 (31)
  • Application Process
    4.4 (31)
  • 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 164 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
    3.8 (101)
  • Rewards
    3.9 (85)
  • Online Experience
    3.7 (99)
  • Customer Service
    3.7 (102)
  • Rates and Fees
    4.2 (100)
  • Application Process
    4.2 (87)
  • 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
GO MasterCard

GO MasterCard

2.9 from 1,021 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
    3.6 (544)
  • Rewards
    2.8 (205)
  • Online Experience
    3.6 (500)
  • Customer Service
    3.6 (562)
  • Rates and Fees
    3.3 (553)
  • Application Process
    4.0 (477)
  • 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 115 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
    3.6 (50)
  • Rewards
    3.6 (43)
  • Online Experience
    3.5 (47)
  • Customer Service
    3.7 (50)
  • Rates and Fees
    3.5 (48)
  • Application Process
    4.0 (40)
  • 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
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 22.24% 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
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
HSBC Premier World Mastercard - HSBC Rewards Plus

HSBC Premier World Mastercard - HSBC Rewards Plus

No reviews yet
Purchase Rate19.99% p.a.
Annual FeeA$0 p.a.
Interest Free Period 55 days
  • $0 Annual Fee

  • Earn 1 HSBC Rewards Point for every $1 spent on eligible domestic purchases, and 1.5 HSBC Rewards Point for every $1 spent on eligible international 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

  • BenefitsComplimentary Travel Insurance
  • Minimum Credit Limit A$15,000
  • Rewards ProgramHSBC Rewards Plus
  • Contactless PaymentsApple Pay and Google Pay

Is part of...
HSBC Premier World Mastercard · includes 2 listings
1 review