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Best 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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Bankwest Zero Platinum MasterCard

Bankwest Zero Platinum MasterCard

4.0 from 40 reviews
Purchase Rate17.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • 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
  • $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


HSBC Premier World Mastercard - HSBC Rewards Plus

HSBC Premier World Mastercard - HSBC Rewards Plus

No reviews
Purchase Rate19.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Benefits: Complimentary Travel Insurance
  • Minimum Credit Limit : $15,000
  • Rewards Program: HSBC Rewards Plus
  • Contactless Payments: Apple Pay and Google Pay
  • $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