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Compare No annual fee Credit Card Offers

A lot of credit cards in Australia charge an annual fee, but you can get a credit card without one. Known as no annual fee credit cards, they could help you save money, just by not charging any ongoing fees for using their card.

Keep in mind, the no annual fee offer may be a permanent feature of the card or it might be a limited offer. If it’s a limited offer, you will be charged an annual fee from the second or third year.

Also, no annual fee crediit cards don’t tend to offer extra benefits like travel insurance or rewards points.

Balance transfer
Interest free
Low interest
Rewards
Frequent flyer
No annual fee
  • Provider
  • Balance transfer
  • Purchase rate
  • Annual fee
  • Bankwest Zero Mastercard
    0% p.a. for 26 months (reverts to 14.99% p.a.)
    0% p.a. for 55 days (reverts to 14.99%)
    $0 p.a. for 12 months
    ($0 p.a. thereafter)
    Introductory balance transfer rate of 0% p.a. for the first 26 months....
  • Bankwest Breeze Platinum Mastercard
    0% p.a. for 15 months (reverts to 9.9% p.a.)
    0% p.a. for 15 months (reverts to 9.9%)
    $0 p.a. for 12 months
    ($69 p.a. thereafter)
    0% p.a. on purchases and balance transfers for the first 15 months....
  • Bankwest Zero Platinum Mastercard
    0% p.a. for 26 months (reverts to 14.99% p.a.)
    0% p.a. for 55 days (reverts to 14.99%)
    $0 p.a. for 12 months
    ($0 p.a. thereafter)
    0% p.a. on balance transfers for 26 months. One-off 2% balance transfer fee....
  • Virgin No Annual Fee Credit Card
    0% p.a. for 12 months (reverts to 20.99% p.a.)
    0% p.a. for 12 months (reverts to 18.99%)
    $0 p.a. for 12 months
    ($0 p.a. thereafter)
    0% on purchases and balance transfers for the first 12 months....
  • St George - No Annual Fee
    % p.a. for months (% balance transfer fee)
    0% p.a. for 12 months (reverts to 20.74%)
    $0 p.a. for months
    ( p.a. thereafter)
    0% p.a. on purchases for 12 months and no annual fee....
  • St George - Vertigo Card – Cashback Offer
    6.99% p.a. for 12 months (reverts to 21.49% p.a.)
    0% p.a. for 55 days (reverts to 13.99%)
    $0 p.a. for 12 months
    ($55 p.a. thereafter)
    13.99% p.a. interest rate for new purchases and offers up to 55 days interest-free....

Get to know your credit cards

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Interest free credit cards

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No annual fee credit cards

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Rewards credit cards

Looking for a card that lets you earn rewards points on your spend? Then you’re in the market for a rewards credit card …

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Platinum credit cards

Want to supersize the amount of rewards you can earn and the freebies you gain? A platinum credit card generally comes …

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Balance transfer credit cards

Racked up some debt on your current plastic? Then apply for a balance transfer credit card that allows you to roll your …

Read more

Low interest credit cards

If you’re the type of person who sometimes carries a balance on your card rather than paying it off in full every month, a credit …

Read more

Interest free credit cards

If you intend to purchase some big ticket items in the near future and need some breathing space to pay them off, you …

Read more

No annual fee credit cards

If you’re someone who really only uses your credit card as a convenient payment method, doesn’t value perks like rewards …

Read more

Rewards credit cards

Looking for a card that lets you earn rewards points on your spend? Then you’re in the market for a rewards credit card …

Read more

Platinum credit cards

Want to supersize the amount of rewards you can earn and the freebies you gain? A platinum credit card generally comes …

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Frequently asked questions

Firstly, ask yourself why you need a credit card. Do you want to earn airmiles, transfer an existing balance to a lower (or 0%) interest rate? Once you are clear on the purpose, use our credit card comparison tool to find the one that meets your requirements.

It depends on what you want it for. What is good for the goose may not be good for the gander, as they say ion times gone by.

Our credit card comparisons tables will help you work out which card is better for you.

The Annual Percentage Rate (APR) is the cost you pay each year to borrow money, including fees, expressed as a percentage.

Once you have found the card you think has most suited your individual requirements, click the “Apply now” button.

You will be transferred to the end providers application page where you will need to fill in an online application form. Your application will be assessed and then accepted or rejected.

We hope so! Our individual credit card overviews will give you an idea of application success. Some cards require a minimum annual salary for example.

If you are a temporary resident, you will need to check our credit card guides to make sure you are legible for the card you have chosen.

Your application could be rejected for a number of reasons. The most likely however, is your personal credit score.

If you are someone that has debt, or has not paid off debt regularly with a previous credit card provider, your application can be rejected.

It may also be that the credit card you are applying for requires you to earn a minimum annual salary that is over what you currently earn.

There are plenty of options available to you on this website. Have a further look through, and try again.

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