Best No Annual Fee Credit Cards


Brand

Rating

Card Type

Purchase RateAt least 11.99% p.a.
11.99% p.a.

Interest Free Period

Benefits

Minimum Credit Limit At least $1,000.00
$1,000.00

Contactless Payments
3 listings
Latitude 28 Degrees Global Platinum Mastercard
Purchase Rate21.99% p.a.
Annual Fee$0.00 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
    4.3 (1,071)
  • Customer Service
    4.2 (1,100)
  • Rates and Fees
    4.4 (1,113)
  • Rewards
    2.7 (208)
  • Online Experience
    4.2 (1,067)
  • Application Process
    4.5 (926)
  • Foreign Transaction Fee 0%
  • BenefitsNo Foreign Transaction Fee
  • Minimum Credit Limit $6,000.00
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Bankwest Zero Platinum MasterCard
Purchase Rate17.99% p.a.
Annual Fee$0.00 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
    4.4 (31)
  • Customer Service
    3.9 (33)
  • Rates and Fees
    4.5 (30)
  • Rewards
    2.1 (10)
  • Online Experience
    4.1 (33)
  • Application Process
    4.3 (30)
  • Foreign Transaction Fee 0%
  • BenefitsComplimentary Travel Insurance and No Foreign Transaction Fee
  • Minimum Credit Limit $6,000.00
  • Maximum Credit Limit $50,000.00
  • Minimum Income $65,000.00
  • Contactless PaymentsApple Pay and Google Pay
ING Orange One
2.8 from 29 reviews
Purchase Rate11.99% p.a.
Annual Fee$0.00 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 - $1,000 deposit in an ING account (excluding Living Super and Orange One) and 5+ card purchases per month are required.
  • Transparency
    3.3 (23)
  • Customer Service
    3.4 (24)
  • Rates and Fees
    4.2 (20)
  • Rewards
    2.7 (11)
  • Online Experience
    3.3 (21)
  • Application Process
    3.4 (19)
  • Foreign Transaction Fee 2.5%
  • BenefitsNo Foreign Transaction Fee
  • Minimum Credit Limit $1,000.00
  • Maximum Credit Limit $30,000.00
  • Contactless PaymentsApple Pay

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