Low Annual Fee Credit Card Results

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  • Annual Fee Promo
  • Annual Fee
  • Purchase Rate
  • Interest-Free Days
  • Minimum Income
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
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
Balance Transfer Rate: 0% p.a. for 12 months
Balance Transfer Fee: 1%
Reverted Interest Rate: 8.99% p.a.
ME Bank Low Rate
ME Bank Low Rate
  • Annual Fee Promo -
  • Annual Fee $0
  • Purchase Rate 11.99%
  • Interest-Free Days 55 days
  • Minimum Income $25,000
Purchase Interest Rate: 11.99% p.a.
Minimum Credit Limit: $1,000
Annual Fee: $0
Interest Free Days: 55 days
Cash Advance Rate: 11.99% p.a.
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
  • Cashback
  • Purchase Protection
Purchase Interest Rate: 14.99% p.a.
Interest Free Days: 55 days
Annual Fee: $0
Minimum Credit Limit: $2,000
Purchase Protection: Yes
Entertainment: American Express Invites
Smartphone Screen Insurance: Yes
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Balance Transfer Rate: 0% p.a. for 12 months
Balance Transfer Fee: 3%
Reverted Interest Rate: 14.99% p.a.

All Results (39)

Credit Card

  • Annual Fee Promo
  • Annual Fee
  • Purchase Rate
  • Interest-Free Days
  • Minimum Income
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
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
Balance Transfer Rate: 0% p.a. for 12 months
Balance Transfer Fee: 1%
Reverted Interest Rate: 8.99% p.a.
ME Bank Low Rate
ME Bank Low Rate
  • Annual Fee Promo -
  • Annual Fee $0
  • Purchase Rate 11.99%
  • Interest-Free Days 55 days
  • Minimum Income $25,000
Purchase Interest Rate: 11.99% p.a.
Minimum Credit Limit: $1,000
Annual Fee: $0
Interest Free Days: 55 days
Cash Advance Rate: 11.99% p.a.
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
  • Cashback
  • Purchase Protection
Purchase Interest Rate: 14.99% p.a.
Interest Free Days: 55 days
Annual Fee: $0
Minimum Credit Limit: $2,000
Purchase Protection: Yes
Entertainment: American Express Invites
Smartphone Screen Insurance: Yes
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Balance Transfer Rate: 0% p.a. for 12 months
Balance Transfer Fee: 3%
Reverted Interest Rate: 14.99% p.a.
Bankwest Zero Classic
Bankwest Zero Classic
  • Annual Fee Promo -
  • Annual Fee $0
  • Purchase Rate 17.99%
  • Interest-Free Days 55 days
  • Minimum Income $0
Purchase Interest Rate: 17.99% p.a.
Minimum Credit Limit: $1,000
Annual Fee: $0
Interest Free Days: 55 days
Cash Advance Rate: 21.99% p.a.
Balance Transfer Rate: 2.99% p.a. for 9 months
Balance Transfer Fee: 0%
Reverted Interest Rate: 17.99% p.a.
Bankwest Zero Platinum
Bankwest Zero Platinum
  • Annual Fee Promo -
  • Annual Fee $0
  • Purchase Rate 17.99%
  • Interest-Free Days 55 days
  • Minimum Income $0
  • No Foreign Transaction Fees
  • International Travel Insurance
Purchase Interest Rate: 17.99% 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
Travel Insurance: International Travel Insurance
Balance Transfer Rate: 2.99% p.a. for 9 months
Balance Transfer Fee: 0%
Reverted Interest Rate: 17.99% p.a.
Virgin No Annual Fee
Virgin No Annual Fee
  • Annual Fee Promo -
  • Annual Fee $0
  • Purchase Rate 18.99%
  • Interest-Free Days 44 days
  • Minimum Income $25,000
Purchase Interest Rate: 18.99% p.a.
Minimum Credit Limit: $2,000
Annual Fee: $0
Interest Free Days: 44 days
Cash Advance Rate: 20.99% p.a.
Mobile Pay: Samsung Pay
Balance Transfer Rate: 6.9% p.a. for 36 months
Balance Transfer Fee: 0%
Reverted Interest Rate: 20.99% p.a.
Coles No Annual Fee
Coles No Annual Fee
  • Annual Fee Promo -
  • Annual Fee $0
  • Purchase Rate 19.99%
  • Interest-Free Days 55 days
  • Minimum Income $25,000
  • Cashback
  • Purchase Protection
Purchase Interest Rate: 19.99% p.a.
Minimum Credit Limit: $2,000
Annual Fee: $0
Interest Free Days: 55 days
Cash Advance Rate: 19.99% p.a.
Purchase Protection: Yes
Mobile Pay: Coles Mobile Wallet
Concierge Service: Yes
Balance Transfer Rate: 0% p.a. for 6 months
Balance Transfer Fee: 0%
Reverted Interest Rate: 19.99% p.a.
Citi Simplicity
Citi Simplicity
  • Annual Fee Promo -
  • Annual Fee $0
  • Purchase Rate 19.99%
  • Interest-Free Days 55 days
  • Minimum Income $35,000
  • Purchase Protection
Purchase Interest Rate: 19.99% p.a.
Minimum Credit Limit: $0
Annual Fee: $0
Interest Free Days: 55 days
Cash Advance Rate: 19.99% p.a.
Purchase Protection: Yes
Entertainment: Visa Front Line Access & Citi World Privileges
Mobile Pay: Apple Pay, Samsung Pay, Citi Pay
Concierge Service: Yes
Dining: Free Wine Every Time You Dine With The Citibank Dining Program
Balance Transfer Rate: 0% p.a. for 6 months
Balance Transfer Fee: 0%
Reverted Interest Rate: 19.99% p.a.
St.George No Annual Fee
St.George No Annual Fee
  • Annual Fee Promo -
  • Annual Fee $0
  • Purchase Rate 20.74%
  • Interest-Free Days 55 days
  • Minimum Income $0
Purchase Interest Rate: 20.74% p.a.
Minimum Credit Limit: $500
Annual Fee: $0
Interest Free Days: 55 days
Cash Advance Rate: 21.49% p.a.
Balance Transfer Rate: 0% p.a. for 12 months
Balance Transfer Fee: 1%
Reverted Interest Rate: 21.49% p.a.
American Express Velocity Escape
American Express Velocity Escape
  • Annual Fee Promo -
  • Annual Fee $0
  • Purchase Rate 20.74%
  • Interest-Free Days 55 days
  • Minimum Income $40,000
  • Purchase Protection
  • Frequent Flyer Points
Purchase Interest Rate: 20.74% p.a.
Interest Free Days: 55 days
Annual Fee: $0
Minimum Credit Limit: $2,000
Purchase Protection: Yes
Mobile Pay: Apple Pay, Samsung Pay, Google Pay
Balance Transfer Rate: 0% p.a. for 12 months
Balance Transfer Fee: 1%
Reverted Interest Rate: 20.74% p.a.

Low 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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Kredmo Pty Ltd is not a credit provider and does not provide personal financial or professional advice or credit assistance. 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