No annual fee credit cards

Tell those annual fees to take a hike with a no annual fee credit card that sometimes can be paired with complimentary benefits.

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Credit Card

  • Purchase Rate
  • Purchase Rate Promo
  • Annual Fee
  • Balance Transfer
  • Minimum Income
28 Degrees Platinum
28 Degrees Platinum
  • Annual Fee Promo -
  • Annual Fee $0
  • Purchase Rate 21.99%
  • Interest-Free Days 55 days
  • Minimum Income $0
  • No Foreign Transaction Fees
Purchase Interest Rate: 21.99% p.a.
Minimum Credit Limit: $6,000
Annual Fee: $0
Interest Free Days: 55 days
Cash Advance Rate: 21.99% p.a.
No Foreign Transaction Fees: Yes
Mobile Pay: Apple Pay, Samsung Pay, Google Pay, Fitbit Pay, Garmin Pay
American Express Essential
American Express Essential
  • Annual Fee Promo -
  • Annual Fee $0
  • Purchase Rate 14.99%
  • Interest-Free Days 55 days
  • Minimum Income $40,000
  • Purchase Protection
  • Refund Protection
Purchase Interest Rate: 14.99% p.a.
Interest Free Days: 55 days
Annual Fee: $0
Minimum Credit Limit: $2,000
Purchase Protection: Yes
Smartphone Screen Insurance: Yes
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
American Express Explorer
American Express Explorer
  • Annual Fee Promo -
  • Annual Fee $395
  • Purchase Rate 20.74%
  • Interest-Free Days 55 days
  • Minimum Income $65,000
  • Purchase Protection
  • Refund Protection
  • Domestic & International Travel Insurance
  • $400 travel credit per year
Purchase Interest Rate: 20.74% p.a.
Interest Free Days: 55 days
Annual Fee: $395
Minimum Credit Limit: $3,000
Purchase Protection: Yes
Travel Insurance: Domestic & International Travel Insurance
Hotel: The Hotel Collection
Smartphone Screen Insurance: Yes
Travel Credit: $400 travel credit per year
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Airport Lounge: 2 American Express lounge accesses at Sydney or Melbourne international airports per year

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Showing 10 out of 84 results

Credit Card

  • Purchase Rate
  • Purchase Rate Promo
  • Annual Fee
  • Balance Transfer Promo
  • Minimum Income
28 Degrees Platinum
28 Degrees Platinum
  • Annual Fee Promo -
  • Annual Fee $0
  • Purchase Rate 21.99%
  • Interest-Free Days 55 days
  • Minimum Income $0
  • No Foreign Transaction Fees
Purchase Interest Rate: 21.99% p.a.
Minimum Credit Limit: $6,000
Annual Fee: $0
Interest Free Days: 55 days
Cash Advance Rate: 21.99% p.a.
No Foreign Transaction Fees: Yes
Mobile Pay: Apple Pay, Samsung Pay, Google Pay, Fitbit Pay, Garmin Pay
American Express Essential
American Express Essential
  • Annual Fee Promo -
  • Annual Fee $0
  • Purchase Rate 14.99%
  • Interest-Free Days 55 days
  • Minimum Income $40,000
  • Purchase Protection
  • Refund Protection
Purchase Interest Rate: 14.99% p.a.
Interest Free Days: 55 days
Annual Fee: $0
Minimum Credit Limit: $2,000
Purchase Protection: Yes
Smartphone Screen Insurance: Yes
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
American Express Explorer
American Express Explorer
  • Annual Fee Promo -
  • Annual Fee $395
  • Purchase Rate 20.74%
  • Interest-Free Days 55 days
  • Minimum Income $65,000
  • Purchase Protection
  • Refund Protection
  • Domestic & International Travel Insurance
  • $400 travel credit per year
Purchase Interest Rate: 20.74% p.a.
Interest Free Days: 55 days
Annual Fee: $395
Minimum Credit Limit: $3,000
Purchase Protection: Yes
Travel Insurance: Domestic & International Travel Insurance
Hotel: The Hotel Collection
Smartphone Screen Insurance: Yes
Travel Credit: $400 travel credit per year
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Airport Lounge: 2 American Express lounge accesses at Sydney or Melbourne international airports per year
American Express Low Rate
American Express Low Rate
  • Annual Fee Promo -
  • Annual Fee $0
  • Purchase Rate 8.99%
  • Interest-Free Days 55 days
  • Minimum Income $50,000
  • Purchase Protection
  • Refund Protection
Purchase Interest Rate: 8.99% p.a.
Interest Free Days: 55 days
Annual Fee: $0
Minimum Credit Limit: $1,000
Purchase Protection: Yes
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
American Express Platinum
American Express Platinum
  • Annual Fee Promo -
  • Annual Fee $1,450
  • Purchase Rate -
  • Interest-Free Days 44 days
  • Minimum Income $100,000
  • Purchase Protection
  • Refund Protection
  • Domestic & International Travel Insurance
  • $450 travel credit per year
Purchase Interest Rate: 0% p.a.
Interest Free Days: 44 days
Annual Fee: $1450
Minimum Credit Limit: $0
Purchase Protection: Yes
Entertainment: American Express Invites
Travel Credit: $450 travel credit per year
Smartphone Screen Insurance: Yes
Concierge Service: Yes
Airport Lounge: American Express Global Lounge Collection access for you and a guest to over 1,200 airport lounges including Priority Pass and more.
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Travel Insurance: Domestic & International Travel Insurance
Hotel: Fine Hotels & Resorts Program, Accor Plus membership & Hotel Elite Status Program
American Express Platinum Edge
American Express Platinum Edge
  • Annual Fee Promo -
  • Annual Fee $195
  • Purchase Rate 20.74%
  • Interest-Free Days 55 days
  • Minimum Income $50,000
  • Purchase Protection
  • Refund Protection
  • Domestic & International Travel Insurance
  • $200 travel credit per year
Purchase Interest Rate: 20.74% p.a.
Interest Free Days: 55 days
Annual Fee: $195
Minimum Credit Limit: $3,000
Purchase Protection: Yes
Travel Insurance: Domestic & International Travel Insurance
Travel Credit: $200 travel credit per year
ANZ First
ANZ First
  • Annual Fee Promo -
  • Annual Fee $30
  • Purchase Rate 20.24%
  • Interest-Free Days 55 days
  • Minimum Income $0
  • Purchase Protection
Purchase Interest Rate: 20.24% p.a.
Minimum Credit Limit: $1,000
Annual Fee: $30
Interest Free Days: 55 days
Cash Advance Rate: 20.24% p.a.
Purchase Protection: Yes
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Entertainment: Visa Entertainment
Balance Transfer Rate: 0% p.a. for 18 months
Balance Transfer Fee: 2%
Reverted Interest Rate: 20.24% p.a.
ANZ First for Students
ANZ First for Students
  • Annual Fee Promo $0 1st year waived if full-time tertiary student
  • Annual Fee $30
  • Purchase Rate 20.24%
  • Interest-Free Days 55 days
  • Minimum Income $15,000
  • Purchase Protection
Purchase Interest Rate: 20.24% p.a.
Minimum Credit Limit: $500
Annual Fee: $30
Interest Free Days: 55 days
Cash Advance Rate: 20.24% p.a.
Purchase Protection: Yes
Entertainment: Visa Entertainment
ANZ Frequent Flyer
ANZ Frequent Flyer
  • Annual Fee Promo -
  • Annual Fee $95
  • Purchase Rate 20.24%
  • Interest-Free Days 55 days
  • Minimum Income $0
Purchase Interest Rate: 20.24% p.a.
Minimum Credit Limit: $1,000
Annual Fee: $95
Interest Free Days: 55 days
Cash Advance Rate: 20.24% p.a.
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Entertainment: VISA Entertainment
ANZ Frequent Flyer Black
ANZ Frequent Flyer Black
  • Annual Fee Promo -
  • Annual Fee $425
  • Purchase Rate 20.24%
  • Interest-Free Days 55 days
  • Minimum Income $0
  • Purchase Protection
  • Travel Insurance
  • $150 Cashback
Purchase Interest Rate: 20.24% p.a.
Minimum Credit Limit: $15,000
Annual Fee: $425
Interest Free Days: 55 days
Cash Advance Rate: 20.24% p.a.
Purchase Protection: Yes
Concierge Service: Yes
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Travel Insurance: Travel Insurance
Entertainment: Exclusives by ANZ & VISA Entertainment
Airport Lounge: 2 Qantas Club lounge access passes per year and discounted 1st year Qantas Club membership

No Annual Fee Credit Card FAQ

A no annual fee credit card does not charge you a fee for simply having a credit card.

It’s a good option if you prefer to have a credit card with no attachments. Without having to pay monthly or yearly fees you have easy access to credit for any unexpected situation that may arise. But the common downside to no annual fee credit cards is that they tend to have higher interest rates and very few extra benefits.

All the different credit card types available in the markert have at least a few that have a $0 annual fee. You can find at least one no annual fee credit card for a frequent flyer, balance transfer, low interest rate, rewards and more. Based on your needs try also look for those options with the extra benefits like free travel insurance, purchase protection, refund protection, smartphone screen insurance and many more.

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Disclaimer 

Kredmo Pty Ltd ACN 624 938 932 is not a credit provider and does not provide personal financial or professional advice or credit assistance. Kredmo Pty Ltd is an Australian Credit License holder 518788. The information published on this site/page is of a general nature only and does not consider your personal objectives, financial situation or particular needs. The information published on this site/page should not be relied upon as a substitute for personal financial or professional advice. Kredmo strongly recommends that you seek independent advice before you apply for any product or service, which is described on the site/page... Read More