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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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Qantas American Express Discovery
  • Award Winner 2020

Qantas American Express Discovery

4.4 from 50 reviews
Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 44 days
  • 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
  • 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)


American Express Essential

American Express Essential

2.5 from 104 reviews
Purchase Rate14.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • 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
  • $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


Virgin Money No Annual Fee Visa

Virgin Money No Annual Fee Visa

2.9 from 159 reviews
Purchase Rate18.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 44 days
  • Minimum Credit Limit : $2,000
  • Minimum Income : $25,000
  • Contactless Payments: Samsung Pay
  • 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.


American Express Low Rate

American Express Low Rate

5.0 from 1 review
Purchase Rate8.99% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Minimum Credit Limit : $1,000
  • Minimum Income : $50,000
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • $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


American Express Velocity Escape

American Express Velocity Escape

3.5 from 10 reviews
Purchase Rate20.74% p.a.
Annual Fee$0 p.a.
Interest Free Period 55 days
  • Benefits: Reduced First Year Annual Fee
  • Minimum Credit Limit : $2,000
  • Maximum Credit Limit : $25,000
  • Minimum Income : $40,000
  • Rewards Program: Velocity Frequent Flyer
  • Points Earn Rates : 0.75 points per $1
  • Contactless Payments: Apple Pay, Fitbit Pay, Google Pay and Samsung Pay
  • $0 Annual Fee

  • 0% p.a. on Balance Transfers for the 12 months

  • Earn up to 0.75 Velocity Points per $1 spent, uncapped

  • 1% Balance Transfer Fee

  • 3% Foreign Transaction Fee