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Credit Cards No Annual Fee
Credit Cards No Annual Fee Compare
No Annual Fee Credit Cards
Why pay an annual fee when you can get a great credit card free for life? Compare our range of cards & incorporate other benefits like 0% balance transfer periods & low purchase rates to find the best card for you.
Virgin Money No Annual Fee Card
No Annual Fee Cards
|
Card |
Issuer |
Balance Transfers |
Purchases |
Apply |
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|---|---|---|---|---|---|---|---|---|
 |
Rate
2.90%
|
Duration
6 mths
|
Rate
N/A
|
Duration
N/A
|
18.99%
|
Free For Life
|
||
 |
Get automatic purchase protection & built in international travel insurance
|
Rate
5.99%
|
Duration
9 mths
|
Rate
5.99%
|
Duration
9 mths
|
17.99%
|
Free For Life
|
|
 |
Please note - 2% balance transfer handling fee will apply, this is applied to card on 3rd statement. No Annual Fee for life of the Card.
|
Rate
0%
|
Duration
6 mths
|
Rate
N/A
|
Duration
N/A
|
17.99%
|
Free For Life
|
|
 |
Get up to 10,000 extra Qantas Frequent Flyer points.
|
Rate
N/A
|
Duration
N/A
|
Rate
N/A
|
Duration
N/A
|
20.74%
|
Free For Life
|
|
 |
Rate
3.99%
|
Duration
6 mths
|
Rate
0%
|
Duration
5 mths
|
19.59%
|
No Annual Fee in 1st Yr, then $30
|
||
 |
Get complimentary international travel insurance, purchase cover and extended warranty insurance
|
Rate
3.99%
|
Duration
6 mths
|
Rate
N/A
|
Duration
N/A
|
19.59%
|
No Annual Fee in 1st Yr, then $90 if spend below $15k
|
|
 |
Rate
2.90%
|
Duration
15 mths
|
Rate
N/A
|
Duration
N/A
|
18.99%
|
$69 one off fee, then $0p.a
|
||
 |
**Special offer** 6 months 0% on Balance Transfers & Purchases only available until 13 March 2012.
|
Rate
0%
|
Duration
6 mths
|
Rate
0%
|
Duration
6 mths
|
19.24%
|
No Annual Fee in 1st Yr, then $87 if spend below $20k
|
|
 |
Complimentary International Travel Insurance for return trips of up to 3 months, Extended Warranty Insurance, Purchase Security Insurance
|
Rate
N/A
|
Duration
N/A
|
Rate
N/A
|
Duration
N/A
|
20.24%
|
$90, or Free if you spend $10,000+p.a
|
|
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 2.90% p.a. for 6 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 20.99% p.a. |
| Purchases: | 18.99% p.a. |
| Cash Advance: | 20.99% p.a. |
| Annual Fee: | Free For Life |
| Standard Features | |
| Credit Limit: | $2,000 - $10,000 |
| Interest Free Days: | Up to 44 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
Advice
No Annual Fee!!! Plus, get automatic purchase protection & built in international travel insurance
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 5.99% p.a. for 9 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | 5.99% p.a. for 9 mths |
| Annual Rates | |
| Balance Transfers: | 17.99% p.a. |
| Purchases: | 17.99% p.a. |
| Cash Advance: | 16.99% p.a. |
| Annual Fee: | Free For Life |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
Advice
No Annual Fee for Life
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 0% p.a. for 6 mths |
| Balance Transfer Fee: | 2% |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | N/A |
| Purchases: | 17.99% p.a. |
| Cash Advance: | 21.99% p.a. |
| Annual Fee: | Free For Life |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
Advice
Get up to 10,000 extra Qantas Frequent Flyer points.
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | N/A |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 20.74% p.a. |
| Purchases: | 20.74% p.a. |
| Cash Advance: | 20.74% p.a. |
| Annual Fee: | Free For Life |
| Standard Features | |
| Credit Limit: | Unlimited |
| Interest Free Days: | Up to 44 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
Advice
For your loyalty, every year you spend at least $10,000 p.a. Westpac will waive the annual fee the following year!!
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 3.99% p.a. for 6 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | 0% p.a. for 5 mths |
| Annual Rates | |
| Balance Transfers: | 19.59% p.a. |
| Purchases: | 19.59% p.a. |
| Cash Advance: | 21.49% p.a. |
| Annual Fee: | No Annual Fee in 1st Yr, then $30 |
| Standard Features | |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
Advice
For your loyalty, every year you spend at least $15,000 p.a. Westpac will waive the annual fee the following year!!
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 3.99% p.a. for 6 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 19.59% p.a. |
| Purchases: | 19.59% p.a. |
| Cash Advance: | 21.49% p.a. |
| Annual Fee: | No Annual Fee in 1st Yr, then $90 if spend below $15k |
| Standard Features | |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
Advice
There is a $69 card activation fee charged on first spend. There are NO ANNUAL FEE or transaction, EFTPOS or cash advance fees with this card.
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 2.90% p.a. for 15 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 18.99% p.a. |
| Purchases: | 18.99% p.a. |
| Cash Advance: | 18.99% p.a. |
| Annual Fee: | $69 one off fee, then $0p.a |
| Standard Features | |
| Credit Limit: | $25,000 |
| Interest Free Days: | Up to 0 days |
| On-Line Banking: | No |
| Approval Criteria | |
|
|
Advice
Get 6 months 0% on balance transfers and purchases...offer ends 13th March 2012! Also get $0 Annual Fee1 for the first year, then only $87 per year!
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | 0% p.a. for 6 mths |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | 0% p.a. for 6 mths |
| Annual Rates | |
| Balance Transfers: | 19.24% p.a. |
| Purchases: | 19.24% p.a. |
| Cash Advance: | 20.99% p.a. |
| Annual Fee: | No Annual Fee in 1st Yr, then $87 if spend below $20k |
| Standard Features | |
| Credit Limit: | Subject to Status |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
Advice
NO annual fee EVER! on the Commonwealth Bank 'Low Fee' Gold credit card only. Just spend $10,000 per year on the card.
| Introductory Offer | |
|---|---|
| Balance Transfer Rate: | N/A |
| Balance Transfer Fee: | N/A |
| Purchase Rate: | N/A |
| Annual Rates | |
| Balance Transfers: | 20.24% p.a. |
| Purchases: | 20.24% p.a. |
| Cash Advance: | 21.74% p.a. |
| Annual Fee: | $90, or Free if you spend $10,000+p.a |
| Standard Features | |
| Interest Free Days: | Up to 55 days |
| On-Line Banking: | Yes |
| Approval Criteria | |
|
|
No Annual Fee Credit Cards
What are no annual fee credit cards?
No annual fee credit cards cost nothing to own, unlike other credit cards that can cost from $30 - $300 per year.
Does this credit card suit me?
These cards are most beneficial to consumers that only use their cards occasionally. Some no annual fee cards still offer other incentives such as 0% balance transfers, which can be of benefit.
What to watch:
These cards tend to have higher rates on purchases and cash advances, while offering few or no interest free days. Some providers introduce an annual fee after the first year, or make fee-free ownership conditional on a high level of spending.
When is a no annual fee card my best option?
No annual fee credit cards are most suitable for those that rarely use their card and always pay off the balance within the billing period.
See our best no annual fee credit cards above.
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