No annual fee credit cards
Skip the yearly fee entirely. A no annual fee card is a low-cost, no-fuss option for everyday spending without ongoing charges just for holding the card.
- No yearly fee to justify
- A simple, low-cost everyday or backup card
- Predictable cost of ownership
Featured
Kogan Money Credit Card - Balance Transfer Exclusive Offer
0 reviews
- No annual fee
- 0% p.a. on balance transfers for 18 months
You may have seen us in
61 cards
| Card | Name and rating | Annual fee | Purchase rate | Interest-free days | |
|---|---|---|---|---|---|
| $0 | 21.99% p.a. | Up to 44 | ||
 | $0 | 28.99% p.a. | Up to 55 | ||
 | Coles No Annual Fee Mastercard 0 reviews | $0 | 20.74% p.a. | Up to 44 | |
 | ANZ Platinum Credit Card 0 reviews | $0 | 20.99% p.a. | Up to 55 | |
 | Wizitcard 0 reviews | $0 | 0.00% p.a. | Up to 0 | |
 | NAB Low Rate Business Card 0 reviews | $0 | 0.00% p.a. | Up to 55 | |
 | $0 | 13.49% p.a. | Up to 55 | ||
 | NAB Low Rate Credit Card 0 reviews | $0 | 13.49% p.a. | Up to 55 | |
 | Westpac Low Fee Card 0 reviews | $0 | 20.99% p.a. | Up to 55 | |
 | Bankwest Zero Classic Mastercard 0 reviews | $0 | 0.00% p.a. | Up to 55 | |
 | Bankwest Zero Platinum Mastercard 0 reviews | $0 | 0.00% p.a. | Up to 55 | |
 | $0 | 12.49% p.a. | Up to 50 | ||
 | David Jones Prestige Credit Card 0 reviews | $0 | 24.99% p.a. | Up to 55 | |
 | ANZ Low Rate 0 reviews | $0 | 13.74% p.a. | Up to 55 | |
 | David Jones Premiere Credit Card 0 reviews | $0 | 24.99% p.a. | Up to 55 | |
 | HSBC Platinum Credit Card 0 reviews | $0 | 19.99% p.a. | Up to 55 | |
 | HSBC Star Alliance Credit Card 0 reviews | $0 | 19.99% p.a. | Up to 55 | |
 | Bendigo Bank Ready Credit Card 0 reviews | $0 | 19.99% p.a. | Up to 55 | |
 | $0 | 23.99% p.a. | Up to 55 | ||
 | Kogan Money Credit Card 0 reviews | $0 | 21.99% p.a. | Up to 44 |
- Annual fee
- $0
- Purchase rate
- 21.99% p.a.
- Interest-free days
- Up to 44
- Annual fee
- $0
- Purchase rate
- 28.99% p.a.
- Interest-free days
- Up to 55
Coles No Annual Fee Mastercard
0 reviews
- Annual fee
- $0
- Purchase rate
- 20.74% p.a.
- Interest-free days
- Up to 44
ANZ Platinum Credit Card
0 reviews
- Annual fee
- $0
- Purchase rate
- 20.99% p.a.
- Interest-free days
- Up to 55
NAB Low Rate Business Card
0 reviews
- Annual fee
- $0
- Purchase rate
- 0.00% p.a.
- Interest-free days
- Up to 55
- Annual fee
- $0
- Purchase rate
- 13.49% p.a.
- Interest-free days
- Up to 55
NAB Low Rate Credit Card
0 reviews
- Annual fee
- $0
- Purchase rate
- 13.49% p.a.
- Interest-free days
- Up to 55
Westpac Low Fee Card
0 reviews
- Annual fee
- $0
- Purchase rate
- 20.99% p.a.
- Interest-free days
- Up to 55
Bankwest Zero Classic Mastercard
0 reviews
- Annual fee
- $0
- Purchase rate
- 0.00% p.a.
- Interest-free days
- Up to 55
Bankwest Zero Platinum Mastercard
0 reviews
- Annual fee
- $0
- Purchase rate
- 0.00% p.a.
- Interest-free days
- Up to 55
- Annual fee
- $0
- Purchase rate
- 12.49% p.a.
- Interest-free days
- Up to 50
David Jones Prestige Credit Card
0 reviews
- Annual fee
- $0
- Purchase rate
- 24.99% p.a.
- Interest-free days
- Up to 55
David Jones Premiere Credit Card
0 reviews
- Annual fee
- $0
- Purchase rate
- 24.99% p.a.
- Interest-free days
- Up to 55
HSBC Platinum Credit Card
0 reviews
- Annual fee
- $0
- Purchase rate
- 19.99% p.a.
- Interest-free days
- Up to 55
HSBC Star Alliance Credit Card
0 reviews
- Annual fee
- $0
- Purchase rate
- 19.99% p.a.
- Interest-free days
- Up to 55
Bendigo Bank Ready Credit Card
0 reviews
- Annual fee
- $0
- Purchase rate
- 19.99% p.a.
- Interest-free days
- Up to 55
- Annual fee
- $0
- Purchase rate
- 23.99% p.a.
- Interest-free days
- Up to 55
Kogan Money Credit Card
0 reviews
- Annual fee
- $0
- Purchase rate
- 21.99% p.a.
- Interest-free days
- Up to 44
No annual fee by the numbers
61
Cards compared
12.92% p.a.
Average purchase rate
45 days
Average interest-free days
How much could you save on fees?
Save ~$450
Over 3 years with a $0 annual fee card, versus the $150 average annual fee on comparable cards.
Low cost, low fuss
A no annual fee card is the simplest way to hold a line of credit without paying for the privilege. It's ideal as a backup card or for light spenders who don't earn enough points to cover a fee.
If you spend enough each month, a rewards card with a fee can still come out ahead once you factor in the points, so run the numbers for your spend before deciding.
No annual fee credit card FAQs
Some cards charge $0 ongoing, while others waive the fee only for the first year. Check whether the $0 fee is permanent or promotional.