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.

Checked by Kredmo team.

Updated on 20 Aug, 2026

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26 Credit Cards
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Credit Card

  • Annual Fee Offer
  • Annual Fee
  • Rate
  • Interest-Free Days
  • Min Income
American Express Low Rate
American Express Low Rate
  • Annual Fee Offer -
  • Annual Fee $0
  • Rate 10.99%
  • Interest-Free Days 55 days
  • Min Income -
Go To Site
American Express Low Rate
  • Top 5 Low Rate
  • Shopping Protection
    Purchase Protection
    Refund Protection
    Mobile Pay
    Apple Pay, Samsung Pay, Google Pay
Purchase Interest Rate: 10.99% p.a.
Minimum Credit Limit: $1,000
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: Greater of $30 or 2.5% of the closing balance
Late Payment Fee: $30
Purchase Protection: Yes
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
ING Orange One Low Rate
ING Orange One Low Rate
  • Annual Fee Offer -
  • Annual Fee $0
  • Rate 12.99%
  • Interest-Free Days 45 days
  • Min Income $36,000
Go To Site
ING Orange One Low Rate
  • Mobile Pay
    Apple Pay, Google Pay
Purchase Interest Rate: 12.99% p.a.
Minimum Credit Limit: $1,000
Annual Fee: $0
Maximum Credit Limit: $30,000
Interest Free Days: 45 days
Additional Cardholders: $10 per annum additional cardholder fee
Cash Advance Rate: 12.99% p.a.
Minimum Repayment: Greater of $100 or 5% of the closing balance
Late Payment Fee: $20
Mobile Pay: Apple Pay, Google Pay
Bankwest Zero Platinum
Bankwest Zero Platinum
  • Annual Fee Offer -
  • Annual Fee $0
  • Rate 18.99%
  • Interest-Free Days 55 days
  • Min Income -
Go To Site
Bankwest Zero Platinum
  • Top 3 Purchase Rate Offers
  • No Foreign Transaction Fees
  • Mobile Pay
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Purchase Interest Rate: 18.99% p.a.
Minimum Credit Limit: $6,000
Annual Fee: $0
Additional Cardholders: Up to 3 additional cardholders at no extra cost
Interest Free Days: 55 days
Minimum Repayment: Greater of $20 or 2% of the closing balance
Cash Advance Rate: 21.99% p.a.
Late Payment Fee: $25
No Foreign Transaction Fees: Yes
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Purchase Rate Promo: 0% p.a. for 6 months
BT After Rate: 18.99% p.a.
Balance Transfer Rate: 0% p.a. for 6 months
Max BT Amount: 95% of the credit limit
Balance Transfer Fee: 3%
Interest Free Days With BT: Yes
BT After Rate: 18.99% p.a.
Bankwest Zero Classic
Bankwest Zero Classic
  • Annual Fee Offer -
  • Annual Fee $0
  • Rate 18.99%
  • Interest-Free Days 55 days
  • Min Income -
Go To Site
Bankwest Zero Classic
  • Top 3 Purchase Rate Offers
  • Mobile Pay
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Purchase Interest Rate: 18.99% p.a.
Minimum Credit Limit: $1,000
Annual Fee: $0
Additional Cardholders: Up to 3 additional cardholders at no extra cost
Interest Free Days: 55 days
Minimum Repayment: Greater of $20 or 2% of the closing balance
Cash Advance Rate: 21.99% p.a.
Late Payment Fee: $25
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Purchase Rate Promo: 0% p.a. for 6 months
BT After Rate: 18.99% p.a.
Balance Transfer Rate: 0% p.a. for 6 months
Max BT Amount: 95% of the credit limit
Balance Transfer Fee: 3%
Interest Free Days With BT: Yes
BT After Rate: 18.99% p.a.
Bank Australia No Annual Fee
Bank Australia No Annual Fee
  • Annual Fee Offer -
  • Annual Fee $0
  • Rate 19.74%
  • Interest-Free Days 55 days
  • Min Income -
Go To Site
Bank Australia No Annual Fee
Purchase Interest Rate: 19.74% p.a.
Minimum Credit Limit: $1,000
Annual Fee: $0
Additional Cardholders: No fee for additional cardholder
Interest Free Days: 55 days
Minimum Repayment: Greater of $20 or 2.5% of the closing balance
Bendigo Ready
Bendigo Ready
  • Annual Fee Offer -
  • Annual Fee $0
  • Rate 19.99%
  • Interest-Free Days 55 days
  • Min Income -
Go To Site
Bendigo Ready
  • No Foreign Transaction Fees
  • Travel Insurance
    International Travel Insurance
    Shopping Protection
    Purchase Protection
    Mobile Pay
    Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
    Entertainment
    Mastercard Priceless
Purchase Interest Rate: 19.99% p.a.
Minimum Credit Limit: $3,000
Annual Fee: $0
Additional Cardholders: No fee for additional cardholder
Interest Free Days: 55 days
Minimum Repayment: Greater of $10 or 3% of the closing balance
Cash Advance Rate: 19.99% p.a.
Late Payment Fee: $15
No Foreign Transaction Fees: Yes
Mobile Pay: Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Purchase Protection: Yes
Entertainment: Mastercard Priceless
Travel Insurance: International Travel Insurance
Virgin No Annual Fee
Virgin No Annual Fee
  • Annual Fee Offer -
  • Annual Fee $0
  • Rate 19.99%
  • Interest-Free Days 55 days
  • Min Income $25,000
Go To Site
Virgin No Annual Fee
  • Mobile Pay
    Apple Pay, Samsung Pay
Purchase Interest Rate: 19.99% p.a.
Minimum Credit Limit: $2,000
Annual Fee: $0
Maximum Credit Limit: $100,000
Interest Free Days: 55 days
Additional Cardholders: No fee for additional cardholder
Cash Advance Rate: 20.99% p.a.
Minimum Repayment: Greater of $30 or 2% of the closing balance
Late Payment Fee: $30
Mobile Pay: Apple Pay, Samsung Pay
Purchase Rate Promo: 0% p.a. for 6 months
BT After Rate: 20.99% p.a.
Balance Transfer Rate: 0% p.a. for 6 months
Max BT Amount: 80% of the credit limit
Balance Transfer Fee: 0%
Interest Free Days With BT: No
BT After Rate: 20.99% p.a.
Coles No Annual Fee
Coles No Annual Fee
  • Annual Fee Offer -
  • Annual Fee $0
  • Rate 20.74%
  • Interest-Free Days 55 days
  • Min Income -
Go To Site
Coles No Annual Fee
  • $
    Cashback
    Cashback
    Frequent Flyer Points
    Frequent Flyer Points
    Shopping Protection
    Purchase Protection
    Concierge Service
    Concierge Service
    Mobile Pay
    Coles Mobile Wallet, Apple Pay, Samsung Pay
Purchase Interest Rate: 20.74% p.a.
Minimum Credit Limit: $1,000
Annual Fee: $0
Maximum Credit Limit: $100,000
Interest Free Days: 55 days
Additional Cardholders: Up to 4 additional cardholders at no extra cost
Cash Advance Rate: 20.74% p.a.
Minimum Repayment: Greater of $30 or 2% of the closing balance
Late Payment Fee: $30
Purchase Protection: Yes
Mobile Pay: Coles Mobile Wallet, Apple Pay, Samsung Pay
Concierge Service: Yes
Balance Transfer Rate: 0% p.a. for 12 months
Max BT Amount: 80% of the credit limit
Balance Transfer Fee: 5%
Interest Free Days With BT: No
BT After Rate: 20.74% p.a.
BT After Rate: 20.74% p.a.
MyCard Simplicity
MyCard Simplicity
  • Annual Fee Offer -
  • Annual Fee $0
  • Rate 22.49%
  • Interest-Free Days 55 days
  • Min Income -
Go To Site
MyCard Simplicity
  • Shopping Protection
    Purchase Protection
    Hotel
    Luxury Escapes up to 15% Discounts ($250 per booking) off Hotels Overseas and up to 10% off on Hotels within Australia (up to $250 per booking). 10% off selected hotels on Expedia or Wotif.
    Mobile Pay
    Apple Pay, Samsung Pay, Citi Pay
Purchase Interest Rate: 22.49% p.a.
Minimum Credit Limit: $2,000
Annual Fee: $0
Maximum Credit Limit: $100,000
Interest Free Days: 55 days
Additional Cardholders: Up to 4 additional cardholders at no extra cost
Cash Advance Rate: 22.99% p.a.
Minimum Repayment: Greater of $25 or 2% of the closing balance
Late Payment Fee: $0
Purchase Protection: Yes
Mobile Pay: Apple Pay, Samsung Pay, Citi Pay
Hotel: Luxury Escapes up to 15% Discounts ($250 per booking) off Hotels Overseas and up to 10% off on Hotels within Australia (up to $250 per booking). 10% off selected hotels on Expedia or Wotif.
Purchase Rate Promo: 0% p.a. for 6 months
BT After Rate: 22.99% p.a.
Balance Transfer Rate: 0% p.a. for 6 months
Max BT Amount: 80% of the credit limit
Balance Transfer Fee: 0%
Interest Free Days With BT: Yes
BT After Rate: 22.99% p.a.
Qantas American Express Discovery
Qantas American Express Discovery
  • Annual Fee Offer -
  • Annual Fee $0
  • Rate 23.99%
  • Interest-Free Days 44 days
  • Min Income -
Go To Site
Qantas American Express Discovery
  • Frequent Flyer Points
    Frequent Flyer Points
    Shopping Protection
    Purchase Protection
    Refund Protection
    Mobile Pay
    Apple Pay, Samsung Pay, Google Pay
Purchase Interest Rate: 23.99% p.a.
Minimum Credit Limit: $2,000
Annual Fee: $0
Additional Cardholders: Up to 4 additional cards for family members or friends at no extra fee
Interest Free Days: 44 days
Minimum Repayment: Greater of $30 or 2.5% of the closing balance
Late Payment Fee: $30
Purchase Protection: Yes
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Show more
Tips & Tools

Essential Tips and Tools for Smart Borrowing

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Best No Annual Fee Credit Cards in Australia
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No Foreign Transaction Fee Credit Cards for Australians
Blog & Resources
FAQ

Got Questions?
We've Got Answers

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.

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