Credit CardMain FeaturesAnnual Fee
Amex Low RateLow Rate & Shopping Protection$0
Amex EssentialEveryday Purchase Points$0
Bankwest Zero ClassicBalance Transfer$0
Bankwest Zero PlatinumNo Foreign Transaction Fees$0
Virgin No Annual FeeBalance Transfer or Interest Free Offer$0
St George No Annual FeeBalance Transfer$0
Coles No Annual FeeGroceries Purchase Points & Cashback$0
Citi SimplicityEntertainment & Shopping Protection$0
Qantas Amex DiscoveryQantas Points & Shopping Protection$0

When searching online for the best no annual fee credit cards it can become overwhelming. You may find yourself having to compare the between credit card benefits to get a clear winner and that sometimes requires sifting through a mass of info.

To lend a hand, below we've done the heaving lifting for you and thus compared and listed the best no annual fee credit cards in Australia.

A no annual fee credit card is a good pick if you want a card with no attachments. Have one simply for the convenience, or when you don't carry a balance month to month and don't have high spending each month. 

Feel free to view see more no annual fee credit cards listed on our credit card comparison site.

See other similar credit card lists:

Best Low Interest Rate Credit Cards  

Best Balance Transfer Credit Cards 

American Express Low Rate

  •  Purchase Rate: 8.99% p.a.

  • Extras: Purchase Protection.

  • Annual Fee: $0.

Why We Like It:

The American Express Low Rate is a great card to have as your first go-to credit card or as a second backup card for convenience. 

Its no annual fee is coupled with a very low purchase rate of 8.99% p.a.  

 

Extra Benefits:

At no cost you can have up to 4 extra cards for either your family members.

Feel more at ease when you shop with its purchase and refund protection. Within 90 days of purchase, covering your items that break or are stolen and refund of an unused eligible item. 

Plus, purchasing items on mobile payment apps Apple Pay, Google Pay and Samsung Pay are available. 

 

Income Eligibility: 

The minimum income required is $50,000.

 

American Express Essential

  • Reward Points: 1.25 Reward points per $1 spent on everyday purchases. 

  • Purchase Rate: 14.99% p.a.

  •  Annual Fee: $0.

Why We Like It:

The American Express Essential is like having a few different credit card types all into one.

It comes with no annual fee, a lower than usual interest rate of 14.99% p.a. and rewards points. Seeing a credit card with these two power features combined is a rare find.

Earn yourself reward points as you spend with 1.25 Rewards point per $1 spent on everyday purchases like coffee or groceries etc. And 1 Rewards points per $1 spent at government bodies in Australia.

 

Extra Benefits: 

Accidentally cracking your smartphone screen really really sucks. But have no fear, you can use its Smartphone Screen Insurance (up to $500 for screen repairs when you buy your phone or contract with the credit card).

Have your purchased items within 90 days covered by its purchase protection and refund protection shopping insurances.

Plus, get to enjoy more entertainment experiences with your access to American Express Invites for pre-sale tickets and reserved seating for desired events.

And the mobile payment users can setup up their card on Apple Pay, Samsung Pay and Google Pay.

 

Income Eligibility: 

The minimum income required is $40,000.

 

Bankwest Zero Classic

  • Balance Transfer: 2.99% for 9 months with no transfer fee.

  • Extras: Digital card available.

  •  Annual Fee: $0.

Why We Like It:

The Bankwest Zero Classic can be considered as a basic credit card, with a balance transfer offer of 2.99% for the first 9 months and no transfer fee.

And has a purchase rate and balance transfer reverted rate of 17.99% p.a. Its minimum credit limit offered is $1,000.

But, if you prefer a higher limit or more bells and whistles then we suggest checking out the Bankwest Zero Platinum below.

 

Extra Benefits: 

It comes as a digital card too! So as soon as you're approved, you can access and activate your new credit card through the Bankwest app.

 

Income Eligibility: 

There is no set minimum income required.

 

Bankwest Zero Platinum

  • Extras: No foreign transaction fees & travel insurance.

  •  Balance Transfer: 2.99% for 9 months with no transfer fee.

  • Annual Fee: $0.

Why We Like It:

The Bankwest Zero Platinum is a great credit card for traveling overseas or online shopping on foreign websites.

Avoids you racking up those overseas transactional fees with its no foreign transaction fees benefit.

Even more, receive free international travel insurance when you book your flight with the credit card (covers unlimited overseas emergency medical and hospital expenses, car rental up to $3,000, and more). 

It has a purchase rate of 17.99% p.a. And a balance transfer offer of 2.99% for the first 9 months with no transfer fee.

 

Extra Benefits: 

When traveling domestically you can have cover with its interstate flight inconvenience insurance (covers up to $100 for a person, loss or damage to personal goods covered up to $1,000 for a person, and more).

It comes also as a digital card. So once you're approved, you can access and activate your new credit card through the Bankwest app.

 

Income Eligibility: 

No set minimum income is required.

 

Virgin No Annual Fee

  • Balance Transfer: 0% for 12 months and 0% transfer fee.

  • Purchase Rate Offer: 0% for 9 months.

  • Anual Fee: $0.

Why We Like It:

The Virgin No Annual Fee (BT Offer) credit card has one of the longest balance transfer terms in the market.

Offering 0% for 12 months on balance transfer with no transfer fee. So if you want a complete no fee balance transfer then you have definitely found it. And the reverted interest rate is 20.99% p.a.

Or choose the Virgin No Annual Fee (Purchase Offer) for 0% p.a for 9 months on your purchases. 

Both cards have a purchase rate of 18.99% p.a. and a minimum credit limit of $2,000.

 

 

Extra Benefits: 

If you're an Android fan then you'll be happy to hear theses card are eligible with Samsung Pay. 

 

Income Eligibility: 

The minimum income required is $25,000.

 

St George No Annual Fee

  • Balance Transfer: 0% for 12 months & 1% transfer fee.

  • Extra: Apple Pay.

  • Annual Fee: $0.

Why We Like It:

Its fair to describe the St George No Annual Fee as a no thrills credit card. 

Has a purchase rate of 20.74% p.a. with up to 55 interest-free days.

But it does have an appealing balance transfer offer of 0% for 12 months with a transfer 1% fee. And the reverted interest rate is 21.49% p.a.

 

Extra Benefits: 

Apple users will happy to know it's usable with Apple Pay.

 

Income Eligibility: 

There is no set minimum income required.

 

Coles No Annual Fee

  • Reward Points: 1 Flyby point for every $2 spent on eligible purchases.

  • Cashback: $10 off your Coles shopping when 2,000 Flyby points is collected.

  • Annual Fee: $0.

Why We Like It:

Get cashback on your grocery shopping on the Coles No Annual Fee especially for the regular Coles shopper.

Earn yourself 1 Flyby point for every $2 spent on purchases eligible for Flyby points.

And above all, you get $10 off your Coles supermarket shopping at the checkout every time you redeem 2,000 flyby points.

Its purchase rate is 19.99% p.a. And those who currently pay credit card interest, you can opt for its 0% for 18 months balance transfer with 1.5% transfer fee.  

 

Extra Benefits: 

Get Flybuy points and have access to redeeming your points for gifts, tickets, flights and more.

If a purchased item should, unfortunately, break or be stolen within 90 days, its purchase protection could replace the purchased item. 

You'll have access to its 24/7 concierge service for travel, entertainment or lifestyle experiences.

 

Income Eligibility: 

The minimum income required is $25,000.

 

Citi Simplicity

  •  Shopping Protection: Purchase protection, extended warranty insurance & guaranteed pricing.

  • Balance Transfer: 0% balance transfer for 6 months & no transfer fee. 

  • Annual Fee: $0.

Why We Like It:

The Citi Simplicity is a great match for shoppers who want extensive protection when purchasing goods.

Has a solid list of shopping protection that include purchase protection, extended warranty insurance, and guaranteed pricing.

Its purchase interest rate is 21.49% p.a and minium credit limit of $6,000. And optional is a 0% for 6 months balance transfer with no transfer fee. 

 

Extra Benefits: 

You can dip into its Visa Premium & Citi World Privileges memberships for tickets to shows, hotel discounts and more.

 

Income Eligibility: 

The minimum income required is $35,000.

 

Qantas American Express Discovery

  • Points Per $1 Spend: 0.75 Qantas points on everyday purchases. 0.5 Qantas points with Australian government bodies. 1 bonus Qantas point on Qantas purchases. 

  • Extras: Refund and purchase protections.

  • Annual Fee: $0.

Why We Like It:

Qantas American Express Discovery is another frequent flyer points pick on the list but with Qantas points.

Earns you 0.75 Qantas points for every $1 spent on card purchases at non-government bodies. Purchases made with government bodies in Australia will earn you 0.5 Qantas points for $1 spent.

And you get 1 bonus Qantas point every time you spend $1 with Qantas.

 

Extra Benefits: 

Cardholders who are refused a refund on an eligible item within 90 days of purchase in Australia under its refund protection. Plus, it has purchase protection too for eligible items lost, stolen or damaged. 

Mobile payment users will be happy to know its compatible with popular mobile payment apps Apple Pay, Samsung Pay and Google Pay.

 

Income Eligibility: 

The minimum income required is $35,000.

 

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