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

  • Annual Fee Offer
  • Annual Fee
  • Purchase Rate (p.a.)
  • Interest-Free Days
  • Minimum Income
American Express Low Rate
American Express Low Rate
  • Annual Fee Offer -
  • Annual Fee $0
  • Purchase Rate (p.a.) 8.99%
  • Interest-Free Days 55 days
  • Minimum Income $50,000
  • Purchase Protection
  • Refund Protection
  • Apple Pay, Samsung Pay, Google Pay
Go To Site
Purchase Interest Rate: 8.99% p.a.
Minimum Credit Limit: $2,000
Late Payment Fee: $30
Annual Fee: $0
Additional Cardholders: Up to 4 additional cards for family members or friends at no extra fee
Interest Free Days: 55 days
Minimum Repayment: $30 or 2.5% of the closing balance, whichever is greater
Purchase Protection: Yes
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
ME Bank Low Rate
ME Bank Low Rate
  • Annual Fee Offer -
  • Annual Fee $0
  • Purchase Rate (p.a.) 11.99%
  • Interest-Free Days 55 days
  • Minimum Income $25,000
  • Apple Pay, Google Pay
Go To Site
Purchase Interest Rate: 11.99% p.a.
Cash Advance Rate: 11.99% p.a.
Minimum Repayment: $10 or 3% of the closing balance, whichever is greater
Annual Fee: $0
Minimum Credit Limit: $1,000
Late Payment Fee: $10
Interest Free Days: 55 days
Additional Cardholders: No fee for additional cardholders
Mobile Pay: Apple Pay, Google Pay
ING Orange One Low Rate
ING Orange One Low Rate
  • Annual Fee Offer -
  • Annual Fee $0
  • Purchase Rate (p.a.) 11.99%
  • Interest-Free Days 45 days
  • Minimum Income $36,000
  • Apple Pay, Google Pay
Go To Site
Purchase Interest Rate: 11.99% p.a.
Cash Advance Rate: 11.99% p.a.
Additional Cardholders: $10 per annum additional cardholder fee
Annual Fee: $0
Minimum Credit Limit: $1,000
Minimum Repayment: $100 or 5% of the closing balance, whichever is greater
Interest Free Days: 45 days
Maximum Credit Limit: $30,000
Late Payment Fee: $20
Mobile Pay: Apple Pay, Google Pay

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Showing 10 out of 33 results

Credit Card

  • Annual Fee Offer
  • Annual Fee
  • Purchase Rate (p.a.)
  • Interest-Free Days
  • Minimum Income
American Express Low Rate
American Express Low Rate
  • Annual Fee Offer -
  • Annual Fee $0
  • Purchase Rate (p.a.) 8.99%
  • Interest-Free Days 55 days
  • Minimum Income $50,000
  • Purchase Protection
  • Refund Protection
  • Apple Pay, Samsung Pay, Google Pay
Go To Site
Purchase Interest Rate: 8.99% p.a.
Minimum Credit Limit: $2,000
Late Payment Fee: $30
Annual Fee: $0
Additional Cardholders: Up to 4 additional cards for family members or friends at no extra fee
Interest Free Days: 55 days
Minimum Repayment: $30 or 2.5% of the closing balance, whichever is greater
Purchase Protection: Yes
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
ME Bank Low Rate
ME Bank Low Rate
  • Annual Fee Offer -
  • Annual Fee $0
  • Purchase Rate (p.a.) 11.99%
  • Interest-Free Days 55 days
  • Minimum Income $25,000
  • Apple Pay, Google Pay
Go To Site
Purchase Interest Rate: 11.99% p.a.
Cash Advance Rate: 11.99% p.a.
Minimum Repayment: $10 or 3% of the closing balance, whichever is greater
Annual Fee: $0
Minimum Credit Limit: $1,000
Late Payment Fee: $10
Interest Free Days: 55 days
Additional Cardholders: No fee for additional cardholders
Mobile Pay: Apple Pay, Google Pay
ING Orange One Low Rate
ING Orange One Low Rate
  • Annual Fee Offer -
  • Annual Fee $0
  • Purchase Rate (p.a.) 11.99%
  • Interest-Free Days 45 days
  • Minimum Income $36,000
  • Apple Pay, Google Pay
Go To Site
Purchase Interest Rate: 11.99% p.a.
Cash Advance Rate: 11.99% p.a.
Additional Cardholders: $10 per annum additional cardholder fee
Annual Fee: $0
Minimum Credit Limit: $1,000
Minimum Repayment: $100 or 5% of the closing balance, whichever is greater
Interest Free Days: 45 days
Maximum Credit Limit: $30,000
Late Payment Fee: $20
Mobile Pay: Apple Pay, Google Pay
Bankwest Zero Classic
Bankwest Zero Classic
  • Annual Fee Offer -
  • Annual Fee $0
  • Purchase Rate (p.a.) 14.99%
  • Interest-Free Days 55 days
  • Minimum Income $0
Go To Site
Purchase Interest Rate: 14.99% p.a.
Cash Advance Rate: 21.99% p.a.
Minimum Repayment: $20 or 2% of the closing balance, whichever is greater
Annual Fee: $0
Minimum Credit Limit: $1,000
Late Payment Fee: $25
Interest Free Days: 55 days
Additional Cardholders: Up to 3 additional cardholders at no extra cost
Balance Transfer Rate: 0% p.a. for 34 months
Balance Transfer Fee: 2%
BT Reverted Rate: 14.99% p.a.
Max BT Amount: 95% of the credit limit
Interest Free Days With BT: Yes
Bankwest Zero Platinum
Bankwest Zero Platinum
  • Annual Fee Offer -
  • Annual Fee $0
  • Purchase Rate (p.a.) 14.99%
  • Interest-Free Days 55 days
  • Minimum Income $0
  • No Foreign Transaction Fees
  • International Travel Insurance
Go To Site
Purchase Interest Rate: 14.99% p.a.
Cash Advance Rate: 21.99% p.a.
Minimum Repayment: $20 or 2% of the closing balance, whichever is greater
Annual Fee: $0
Minimum Credit Limit: $6,000
Late Payment Fee: $25
Interest Free Days: 55 days
Additional Cardholders: Up to 3 additional cardholders at no extra cost
No Foreign Transaction Fees: Yes
Travel Insurance: International Travel Insurance
Balance Transfer Rate: 0% p.a. for 34 months
Balance Transfer Fee: 2%
BT Reverted Rate: 14.99% p.a.
Max BT Amount: 95% of the credit limit
Interest Free Days With BT: Yes
American Express Essential
American Express Essential
  • Annual Fee Offer -
  • Annual Fee $0
  • Purchase Rate (p.a.) 14.99%
  • Interest-Free Days 55 days
  • Minimum Income $40,000
  • Purchase Protection
  • Refund Protection
  • $200 Cashback
  • Cashback
    Frequent Flyer Points
    Smartphone Screen Insurance
    Apple Pay, Samsung Pay, Google Pay
    Centr by Chris Hemsworth program for 12 months
Go To Site
Purchase Interest Rate: 14.99% p.a.
Minimum Credit Limit: $2,000
Late Payment Fee: $30
Annual Fee: $0
Additional Cardholders: Up to 4 additional cards for family members or friends at no extra fee
Interest Free Days: 55 days
Minimum Repayment: $30 or 2.5% of the closing balance, whichever is greater
Purchase Protection: Yes
Entertainment: Centr by Chris Hemsworth program for 12 months
Smartphone Screen Insurance: Yes
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Virgin No Annual Fee (BT Offer)
Virgin No Annual Fee (BT Offer)
  • Annual Fee Offer -
  • Annual Fee $0
  • Purchase Rate (p.a.) 18.99%
  • Interest-Free Days 44 days
  • Minimum Income $25,000
  • Apple Pay, Samsung Pay
Go To Site
Purchase Interest Rate: 18.99% p.a.
Cash Advance Rate: 20.99% p.a.
Minimum Repayment: $30 or 2% of the closing balance, whichever is greater
Annual Fee: $0
Minimum Credit Limit: $2,000
Late Payment Fee: $30
Interest Free Days: 44 days
Additional Cardholders: No fee for additional cardholder
Mobile Pay: Apple Pay, Samsung Pay
Purchase Rate Promo: 0% p.a. for 12 months
Balance Transfer Rate: 0% p.a. for 12 months
Balance Transfer Fee: 0%
BT Reverted Rate: 20.99% p.a.
Max BT Amount: 80% of the credit limit
Interest Free Days With BT: No
Coles No Annual Fee
Coles No Annual Fee
  • Annual Fee Offer -
  • Annual Fee $0
  • Purchase Rate (p.a.) 19.99%
  • Interest-Free Days 55 days
  • Minimum Income $25,000
  • Purchase Protection
  • $150 Cashback
  • Cashback
    Concierge Service
    Coles Mobile Wallet, Apple Pay, Samsung Pay
Go To Site
Purchase Interest Rate: 19.99% p.a.
Cash Advance Rate: 19.99% p.a.
Minimum Repayment: $30 or 2.5% of the closing balance, whichever is greater
Annual Fee: $0
Minimum Credit Limit: $2,000
Late Payment Fee: $30
Interest Free Days: 55 days
Additional Cardholders: Up to 4 additional cardholders at no extra cost
Purchase Protection: Yes
Mobile Pay: Coles Mobile Wallet, Apple Pay, Samsung Pay
Concierge Service: Yes
Balance Transfer Rate: 0% p.a. for 12 months
Balance Transfer Fee: 0%
BT Reverted Rate: 19.99% p.a.
Max BT Amount: 80% of the credit limit
Interest Free Days With BT: No
St.George No Annual Fee
St.George No Annual Fee
  • Annual Fee Offer -
  • Annual Fee $0
  • Purchase Rate (p.a.) 20.74%
  • Interest-Free Days 55 days
  • Minimum Income $0
  • Apple Pay
    Visa Entertainment
Go To Site
Purchase Interest Rate: 20.74% p.a.
Cash Advance Rate: 21.49% p.a.
Minimum Repayment: $10 or 2% of the closing balance, whichever is greater
Annual Fee: $0
Minimum Credit Limit: $500
Late Payment Fee: $15
Interest Free Days: 55 days
Additional Cardholders: Up to 3 additional cardholders at no extra cost
Mobile Pay: Apple Pay
Entertainment: Visa Entertainment
Purchase Rate Promo: 0% p.a. for 12 months
Citi Simplicity
Citi Simplicity
  • Annual Fee Offer -
  • Annual Fee $0
  • Purchase Rate (p.a.) 21.49%
  • Interest-Free Days 55 days
  • Minimum Income $35,000
  • Purchase Protection
  • Free Wine Every Time You Dine With The Citibank Dining Program
    Apple Pay, Samsung Pay, Citi Pay
    Priceless Cities & Citi World Privileges
Go To Site
Purchase Interest Rate: 21.49% p.a.
Cash Advance Rate: 22.24% p.a.
Additional Cardholders: Up to 4 additional cardholders at no extra cost
Annual Fee: $0
Minimum Credit Limit: $6,000
Minimum Repayment: $30 or 2.5% of the closing balance, whichever is greater
Interest Free Days: 55 days
Maximum Credit Limit: $100,000
Late Payment Fee: $30
Purchase Protection: Yes
Entertainment: Priceless Cities & Citi World Privileges
Mobile Pay: Apple Pay, Samsung Pay, Citi Pay
Dining: Free Wine Every Time You Dine With The Citibank Dining Program
Purchase Rate Promo: 0% p.a. for 6 months
Balance Transfer Rate: 0% p.a. for 6 months
Balance Transfer Fee: 0%
BT Reverted Rate: 22.24% p.a.
Max BT Amount: 80% of the credit limit
Interest Free Days With BT: No
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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 market 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.

Other Credit Card Types

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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