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No annual fee credit cards

  • Everybody hates bank fees. And who doesn't love a fee free credit card? There are plenty of great deals going around, including no annual fee credit cards and other low fee and interest deals.

  • Are there any downsides to a no annual fee credit card?

    Well, most no or low fee credit cards don't offer rewards programs (some do, but they're perhaps not the most rewarding programs around). Plus some no annual fee credit cards sting you with higher interest rates - so if you occasionally forget to pay your monthly balance, or have an ongoing credit debt, you're probably better off with a low rate credit card.

  • Are no annual fee credit cards better than low rate ones?

    Why not let Mozo's Credit Card Switch & Save Calculator crunch the numbers? If you have ongoing debt, it'll find the best deal from the whole market in seconds.

  • How do I compare no annual fee credit cards?

    If you're after still more deals than the latest no annual fee card deals listed below, try our search tool . You can rank the whole credit card market from lowest to highest annual fee in seconds.

Credit card comparisons on Mozo Rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2016

    American Express Essential Credit Card

    American Express Essential Credit Card

    • Receive a $50 credit when you apply online and meet spend criteria
    • Earn up to 1 Membership Rewards point for every $1 spent
    • $0 annual fee

    annual fees

    $0

    Balance transfer rate

    0% p.a. for 12 months (1.00% p.a. balance transfer fee)

    purchase rate

    14.99% p.a.

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    More info

    • Receive a $50 credit when you apply online and meet spend criteria
    • Earn up to 1 Membership Rewards point for every $1 spent
    • $0 annual fee
    • Balance transfer rate: 0% p.a. for 12 months (1.00% p.a. balance transfer fee)
    • Annual fees: $0
    • Purchase rate: 14.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals: 2%, min $2.50
    • Rewards description: Transfer points to a range of airline programs or redeem your points for travel, gift cards, retail rewards and shopping gift cards.
    Overall rating

    7.3

    Based on 255 American Express credit card reviews

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  • Mozo's pick of the month

    Start Christmas shopping with 0% on purchases!  

    Coles No Annual Fee MasterCard

    Coles No Annual Fee MasterCard

    • 0% p.a. interest on purchases for 15 months if you apply and are approved by 31 Dec 2016
    • No annual fee to pay, ever
    • 0% p.a. on balance transfers for 6 months

    annual fees

    $0

    Balance transfer rate

    0% p.a. for 6 months

    purchase rate

    0% p.a. for 15 months then 19.99% p.a.

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    More info

    • 0% p.a. interest on purchases for 15 months if you apply and are approved by 31 Dec 2016
    • No annual fee to pay, ever
    • 0% p.a. on balance transfers for 6 months
    • Balance transfer rate: 0% p.a. for 6 months
    • Annual fees: $0
    • Purchase rate: 0% p.a. for 15 months then 19.99% p.a.
    • Interest free days: 62
    • Interest rate on cash withdrawals: 19.99% p.a.
    • Fee for cash withdrawals: 3%, Min $1.95
    • Rewards description: Earn 1 flybuys point for every $2 you spend.
    Overall rating

    6.8

    Based on 156 Coles credit card reviews

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  • MOZO EXPERTS CHOICE AWARDS 2016

    American Express Velocity Escape Card

    American Express Velocity Escape Card

    • 0% p.a. on balance transfers for the first 12 months
    • No annual fee
    • Earn up to 7,500 bonus Velocity Points, limited time only

    annual fees

    $0

    Balance transfer rate

    0% p.a. for 12 months (1.00% p.a. balance transfer fee)

    purchase rate

    20.74% p.a.

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    More info

    • 0% p.a. on balance transfers for the first 12 months
    • No annual fee
    • Earn up to 7,500 bonus Velocity Points, limited time only
    • Balance transfer rate: 0% p.a. for 12 months (1.00% p.a. balance transfer fee)
    • Annual fees: $0
    • Purchase rate: 20.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals: 2%, min $2.50
    • Rewards description: Points automatically transferred to your Velocity account
    Overall rating

    7.3

    Based on 255 American Express credit card reviews

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  • Bankwest Zero Platinum MasterCard

    Bankwest Zero Platinum MasterCard

    • No annual fee
    • Complimentary credit card international travel insurance for you and your family
    • No transaction fees on overseas purchases

    annual fees

    $0

    Balance transfer rate

    2.99% p.a. for 9 months

    purchase rate

    17.99% p.a.

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    More info

    • No annual fee
    • Complimentary credit card international travel insurance for you and your family
    • No transaction fees on overseas purchases
    • Balance transfer rate: 2.99% p.a. for 9 months
    • Annual fees: $0
    • Purchase rate: 17.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 2%, Min $4.00
    • Rewards description:
    Overall rating

    7.7

    Based on 298 Bankwest credit card reviews

    Need more information?
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  • St.George No Annual Fee

    St.George No Annual Fee

    • No annual fee for the life of the card
    • 0% p.a. on balance transfers for the first 18 months
    • 1.0% p.a. on purchases for the first 12 months

    annual fees

    $0

    Balance transfer rate

    0% p.a. for 18 months

    purchase rate

    1.00% p.a. for 12 months then 20.49% p.a.

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    More info

    • No annual fee for the life of the card
    • 0% p.a. on balance transfers for the first 18 months
    • 1.0% p.a. on purchases for the first 12 months
    • Balance transfer rate: 0% p.a. for 18 months
    • Annual fees: $0
    • Purchase rate: 1.00% p.a. for 12 months then 20.49% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 20.49% p.a.
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
    Overall rating

    7.0

    Based on 330 St.George credit card reviews

    Need more information?
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  • Virgin Money No Annual Fee Card

    Virgin Money No Annual Fee Card

    • 0% p.a. on balance transfers for 18 months (2% BT fee applies)
    • No annual fee for the life of the card
    • Receive $100 cashback on your card when you spend $2,000 or more in first 3 months

    annual fees

    $0

    Balance transfer rate

    0% p.a. for 18 months and then 20.99% p.a. (2.00% p.a. balance transfer fee)

    purchase rate

    18.99% p.a.

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    More info

    • 0% p.a. on balance transfers for 18 months (2% BT fee applies)
    • No annual fee for the life of the card
    • Receive $100 cashback on your card when you spend $2,000 or more in first 3 months
    • Balance transfer rate: 0% p.a. for 18 months and then 20.99% p.a. (2.00% p.a. balance transfer fee)
    • Annual fees: $0
    • Purchase rate: 18.99% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals: 20.99% p.a.
    • Fee for cash withdrawals: 2.7%, Min $2.70
    • Rewards description:
    Overall rating

    5.7

    Based on 97 Virgin Money credit card reviews

    Need more information?
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  • Bankwest Zero MasterCard

    Bankwest Zero MasterCard

    • No annual fee
    • Complimentary credit card international travel insurance for you and your family
    • Free worldwide emergency card replacement

    annual fees

    $0

    Balance transfer rate

    2.99% p.a. for 9 months

    purchase rate

    17.99% p.a.

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    More info

    • No annual fee
    • Complimentary credit card international travel insurance for you and your family
    • Free worldwide emergency card replacement
    • Balance transfer rate: 2.99% p.a. for 9 months
    • Annual fees: $0
    • Purchase rate: 17.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 2%, Min $4.00
    • Rewards description:
    Overall rating

    7.7

    Based on 298 Bankwest credit card reviews

    Need more information?
    Go to site

    More info

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