Credit CardMain FeaturesAnnual Fee
American Express Low RateLow Interest Rate$0
American Express EssentialEveryday Purchase Points$0
Bankwest Zero ClassicBalance Transfer$0
Bankwest Zero PlatinumNo Foreign Transaction Fees$0
Virgin No Annual FeeBalance Transfer for 36 months$0
St George No Annual FeeBalance Transfer$0
Coles No Annual FeeGroceries Purchase Points & Cashback$0
Citi SimplicityEntertainment & Shopping Protection$0
Amercian Express Velocity EscapeVirgin Velocity Points & Shopping Protection$0
Qantas American Express DiscoveryQantas Points & Shopping Protection$0

Searching online for the best no annual fee credit card can get very overwhelming. You may find yourself having to compare the benefits between cards 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 or compare more low annual fee credit cards listed on Kredmo's website.

See other similar credit cards:

best low interest rate credit cards

best balance transfer credit cards

American Express Low Rate

  •  Purchase Rate: 8.99%.

  • Extras: Purchase Protection.

  • Annual Fee: $0.

Why We Like It:

The American Express Low Rate has a very low purchase rate of 8.99% p.a. along with no annual fee. 

A great card to have as your first go-to credit card or as a second backup card for convenience. 

If you're paying interest on the credit card you now have. You can save on paying interest for twelve months with its balance transfer offer of 0% for 12 months and 1% transfer fee. 

 

Extra Benefits:

Suitable for mobile payments with the popular apps to choose from. Works with mobile applications Apple Pay, Google Pay and Samsung Pay.

Get up to 4 extra cards for either your family members or friends for free. 

If a purchase of yours should unfortunately break or be stolen within 90 days. Its purchase protection can replace the item (on eligible purchases only and the cover is up to $20,000 per year and $2,500 per claim with a $50 excess per claim).

Or if you've been unfairly refused a refund on an unused eligible item, then within 90 days the Refund Protection can reimburse you at no excess. 

 

Income Eligibility: 

The minimum income required is $50,000.

 

American Express Essential

  • Reward Points: 1 Rewards point per $1 on everyday purchases. 

  • Balance Transfer: 0% for 12 months and a 3% transfer fee.

  •  Annual Fee: $0.

Why We Like It:

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

Comes with no annual fee, a lower than usual interest rate of 14.99% and rewards points. Seeing a credit card with these three power features bundled together is a rare thing.

Earn 1 Rewards point per $1 spent on everyday purchases like coffee or groceries. And 0.5 Rewards points per $1 spent for utilities, insurance, telecommunication and government bodies.

Furthermore, it offers a balance transfer of 0% for 12 months with a 3% balance transfer fee.

 

Extra Benefits: 

Ever experienced the shock of having your phone screen cracked? No problem, because you'll have Smartphone Screen Insurance (up to $500 for screen repairs when you buy your phone or contract with the credit card).

If a purchased item breaks or is stolen within 90 days then the purchase protection could replace it. 

Have access to American Express Invites for those pre-sale tickets and reserved seating for desired events.

Finally, you have the option to setup up your mobile payments with Apple Pay, Samsung Pay and Google Pay.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 your basic credit card, with a balance transfer offer of 2.99% for the first 9 months and 0% transfer fee.

The minimum credit limit offered is $1,000. But, if you prefer a higher limit or more bells and whistles then we suggest to check out the Bankwest Zero Platinum below.

 

Extra Benefits: 

Comes in the form of a digital card too. Allowing you to access and activate your new credit card through the Bankwest app, as soon as you’re approved.

 

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 travelling overseas or online shopping on foreign websites.

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

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). 

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).

In addition, it has a balance transfer offer of 2.99% for the first 9 months and a 0% transfer fee.

 

Extra Benefits: 

Comes in the form of a digital card too. Allowing you to access and activate your new credit card through the Bankwest app once you’re approved.

 

Income Eligibility: 

No set minimum income is required.

 

Virgin No Annual Fee

  • Balance Transfer: 6.9% for 36 months and 0% transfer fee.

  • Extra: Samsung Pay.

  • Anual Fee: $0.

Why We Like It:

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

Offering 6.9% for 36 months on balance transfer with 0% transfer fee. So if you want an extremely long term on a balance transfer then you most definitely found it.

It has a minimum credit limit of $2,000.

 

Extra Benefits: 

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

 

Income Eligibility: 

The minimum income required is $25,000.

 

St George No Annual Fee

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

  • Extra: N/A.

  • Annual Fee: $0.

Why We Like It:

The St George No Annual Fee is what's known as a no thrills credit card which some people may like. 

But it does have an appealing balance transfer offer of 0% for 12 months with a transfer 1% fee.

 

Extra Benefits: 

Not applicable.

 

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:

The Coles No Annual Fee hands you cashback on your grocery spending and that's fantastic for the regular Coles shopper.

You can earn 1 Flyby point for every $2 spent on purchases eligible for Flyby points. And above all, get $10 off your Coles supermarket shopping at the checkout every time you redeem 2,000 flyby points.

Do you have an existing credit card shopping balance you want to transfer over? If so, then you may be interested in its 0% for 6 months balance transfer.

 

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.

 

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.

  • Annual Fee: $0.

Why We Like It:

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

Its solid list of shopping protection includes purchase protection, extended warranty insurance, and guaranteed pricing.

Has a purchase interest rate of 21.49% p.a and minium credit limit of $6,000.

There's an option for a 0% balance transfer for 6 months too which has a reverted rate of 22.24% p.a. 

 

Extra Benefits: 

You'll get access to Visa Front Line Access & Citi World Privileges memberships for tickets to shows, hotel discounts and more.

 

Income Eligibility: 

The minimum income required is $35,000.

 

Amercian Express Velocity Escape

  • Points Per $1 Spend: 0.75 Velocity points on purchases. 0.5 Velocity points with Australian goverment bodies. 1 bonus Velocity points with Virgin Australia purchases. 

  • Balance Transfer: 0% p.a. for 12 months with a 1% transfer fee.

  • Annual Fee: $0.

Why We Like It:

The American Express Velocity Escape is a frequent flyer card that earns the popular Velocity points.

Each $1 spent earns you 0.75 Velocity points, except for government bodies that earn 0.5 Velocity points. And collect an extra 1 Velocity point per $1 spent on purchases with Virgin Australia.

Furthermore, if needed then take up the opportunity of their balance transfer offer of 0% p.a. for 12 months with a %1 transfer fee.

 

Extra Benefits: 

Included are both refund protection and purchase protection on this card to further secure yourself when shopping.

Usable with mobile payments apps Apple Pay, Samsung Pay or Google Pay.

 

Income Eligibility: 

The minimum income required is $40,000.

 

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. 

  • Balance Transfer: 0% p.a. for the first 12 months with a 1% fee.

  • Annual Fee: $0.

Why We Like It:

Qantas American Express Discovery is another frequent flyer points pick on 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'll get 1 bonus Qantas point every time you spend $1 with Qantas.

It also comes with a balance transfer offer of 0% p.a. for the first 12 months and a 1% transfer fee.

 

Extra Benefits: 

Take advantage of its refund protection on the account when refused a refund on an unused eligible item within the first 90 days of purchase.

Available on mobile payments platforms Apple Pay, Samsung Pay or Google Pay.

 

Income Eligibility: 

The minimum income required is $35,000.

 

We hope you found our list of best no annual fee credit cards in Australia for 2019 helpful! 

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