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No Annual Fee Credit Cards

You Can Save Money with a No Annual Fee Credit Card

Have a look at our recommended No Fee Cards

If you aren't able to pay your credit card balance off in full every month, you will have to pay interest on the balance. However, you can minimise the cost of your credit card by choosing one that has no annual fee.

Some card companies offer to waive the annual fee if you spend enough on your card each year, or if you have other products with them. If your card spend is more than $5,000-$10,000 a year you may be able to choose a card with all the benefits you want and avoid the annual fee.

But you should be careful not to just spend money for the sake of reducing fees or earning rewards points.

Below we have listed our recommendations for Australian no annual fee credit cards. Click on the links to apply for a card from this page.


St. George Bank No Annual Fee Card

St. George No Annual Fee Card

No annual fee
• Instant discounts and added extras with St.George Instant Benefits
• 18.75% p.a. ongoing interest rate
• Up to three additional cards at no extra cost##
• Your choice of Visa or MasterCard
• Fee free balance transfers from your other higher rate cards
• Linked access to your deposit accounts

Apply for Card


Westpac No Annual Fee MasterCard

Westpac No Annual Fee MasterCard

No annual fee for the life of your card
• Free additional cardholder
• Balance transfer of just 3.99% pa for six months from non Westpac credit or store cards
• Interest rate: 18.24% pa for payments. 20.74% for cash advances
• Optional - Credit Card Repayment Protection

Apply for Card


 Commonwealth Bank No Fee Card

Commonwealth Bank No Fee Card

No annual fee Visa card and MasterCard
• 18.99% annual interest rate (20.74% cash advance rate)
• Balance transfer at 5.99% p.a. for 5 months
• Your choice between MasterCard and Visa
• Free additional card for a family member or friend

Apply for Card


BankWest Zero MasterCard

National Low Rate Visa Card

No annual fee, EVER
• 0% for the first 4 months
• 15.99% pa interest ongoing on purchases and balance transfers
• Up to 55 days interest free credit on purchases

Apply for Card


Wizard Clear Advantage MasterCard

Wizard Clear Advantage MasterCard

• Low rate credit card, with no fee in Australia
No annual fee ever
• 4.99% balance transfer interest rate for the first 6 months
• 18.49% p.a. ongoing interest rate
• Up to 55 days interest free on purchases

Apply for Card


ANZ First Visa Card

ANZ First Visa Card

$0 annual account fee for the first 12 months
• Introductory offer of 7.99% p.a. on balance transfers for the first 6 months
• Up to 44 days interest free credit on purchases
• Extended Warranty Insurance and 90-day Purchase Security Insurance
• Design your card by simply loading your favourite image or choose from a library of images
• Convenience of Visa acceptance at over 24 million locations worldwide
• ANZ Falcon™ security with 24/7 monitoring of suspicious transactions
• Access to exclusive offers through Visa Entertainment

Apply for ANZ First Visa Card


## An additional card is issued to the additional cardholder as the primary cardholder's agent to operate on the credit card account. The primary cardholder is responsible for the use of the additional card and must pay for all credit transactions made by the additional cardholder with their card.

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