no annual fee credit cards

No annual fee credit cards

Fact Checked

No annual fee credit card comparisons on Mozo - last updated 18 October 2021

Search promoted credit cards below or do a full Mozo database search. Advertiser disclosure.
  • placeholder
    St.George No Annual Fee

    0% p.a. for 12 months on APR requested at card application. The special promotional purchase rate applies from card approval, after the promotional period, the rate will switch to the variable purchase rate. New cards only, Eligibility criteria and T&Cs apply. Offer ends November 30th 2021.

    Annual fee
    Interest free days
    Purchase rate
    Balance transfer rate
    $0
    55
    0% p.a. for 12 months then 20.74% p.a.
    2.99% p.a. for 15 months and then 21.49% p.a.
    Compare
    Go to site
    Details
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    Westpac Low Rate - Cashback Offer

    Enjoy a super low rate of 13.74% with 55 days interest free plus $400 Cashback with $4k+ spend on eligible purchases within 4 months of card approval. No annual card fee for the first year, $59 thereafter. New Cards only. Offer ends November 30th 2021. T&C's and exclusions apply.

    Annual fee
    Interest free days
    Purchase rate
    Balance transfer rate
    $59 $0 in the first year
    55
    13.74% p.a.
    No current offer
    Compare
    Go to site
    Details
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    American Express Low Rate Credit Card

    Competitive low rate with $0 Annual Fee. Get $100 back when you apply online by 27 October 2021, are approved and spend $1,000 on your new Card by 31 December 2021. T&Cs apply. New Card Members only. Customers need an annual income of $50,000 or more.

    Annual fee
    Interest free days
    Purchase rate
    Balance transfer rate
    $0
    55
    8.99% p.a.
    No current offer
    Compare
    Go to site
    Details
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    BankSA No Annual Fee

    0% p.a. for 12 months on APR requested at card application. The special promotional purchase rate applies from card approval, after the promotional period, the rate will switch to the variable purchase rate. New cards only, Eligibility criteria and T&Cs apply. Offer ends September 28th 2021.

    Annual fee
    Interest free days
    Purchase rate
    Balance transfer rate
    $0
    55
    0% p.a. for 12 months then 20.74% p.a.
    2.99% p.a. for 15 months and then 21.49% p.a.
    Compare
    Go to site
    Details
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    American Express Qantas Discovery Card

    No annual fee for the life of the card. Receive up to 1.75 Qantas Points for every $1 spent on Card purchases (T&Cs apply). T&C’s apply. Mozo Experts Choice Qantas Frequent Flyer Credit Card Winner 2020.

    Annual fee
    Interest free days
    Purchase rate
    Balance transfer rate
    $0
    44
    20.74% p.a.
    No current offer
    Compare
    Go to site
    Details
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    American Express Velocity Escape Card

    Escape with no annual fee and earn up to 1.75 Velocity Points per dollar on eligible purchases. Credit Card Provider of the Year in the Mozo Experts Choice Awards 2020. T&C’s apply

    Annual fee
    Interest free days
    Purchase rate
    Balance transfer rate
    $0
    55
    20.74% p.a.
    No current offer
    Compare
    Go to site
    Details

^See information about the Mozo Experts Choice Credit cards Awards

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.

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FAQ

Credit Card Reviews

Citi Credit Card
Overall 2/10
Credit card charged

I have started using CITI cash back credit card since 2017. They have told me that the card is absolutely free and no charges at all. Today they have charged AED 315 as membership fee. I was trying to call customer are to ask the explanation on this but more than 30 minutes I was listening their advertisement without answering anyone. Very poor customer care really. I'm going to cancel this card at very earliest.

Read full review

I have started using CITI cash back credit card since 2017. They have told me that the card is absolutely free and no charges at all. Today they have charged AED 315 as membership fee. I was trying to call customer are to ask the explanation on this but more than 30 minutes I was listening their advertisement without answering anyone. Very poor customer care really. I'm going to cancel this card at very earliest.

Price
5/10
Features
5/10
Customer service
1/10
Trust
6/10
Less
Abduljaleel, Tasmania, reviewed 3 days ago
ANZ Credit Card
Overall 1/10
Stay Away

I’d strongly advise anyone thinking of doing business with ANZ to save your time and go elsewhere. I have banked with ANZ for well over 20 years but my last 2 experiences in trying to open new accounts and increase my credit card limit have been nothing short of appalling. Without going into the details of my situation their staff lack general knowledge of the situation they are dealing with and the customer service and wait time is beyond a joke. I will be moving all my business, loans & accounts away from this bank ASAP.

Read full review

I’d strongly advise anyone thinking of doing business with ANZ to save your time and go elsewhere. I have banked with ANZ for well over 20 years but my last 2 experiences in trying to open new accounts and increase my credit card limit have been nothing short of appalling. Without going into the details of my situation their staff lack general knowledge of the situation they are dealing with and the customer service and wait time is beyond a joke. I will be moving all my business, loans & accounts away from this bank ASAP.

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Levi, Queensland, reviewed 5 days ago
Virgin Money Virgin Australia Velocity Flyer Card - Bonus Points Offer
Overall 1/10
Slow to close account, quick to give late fees.

I stopped using the card and had like $10 owed. I thought I payed it off, but apparently I still owed like $2 because of interest, so they charged me a $30 late fee... which they also charged interest on. This was during the peak of the pandemic in Australia. I thought a $30 late fee over petty $2 during a global pandemic was a bit greedy. Resentfully I made the payment, which apparently only went to the account keeping fees, which meant I didn't pay the amount owed, so another $30 was due. I was so confused so I payed all the ridiculous fees plus the interest on their fees and the account fees and tried to close the account. But then they wouldn't let me close it because the account was in credit? Meanwhile they are charging me account keeping fees because they kept my account open. Anyway, I would have let this go... but I've just found out that the situation has totally destroyed my otherwise perfect credit score over the initial $2. BE VERY CAREFUL!

Read full review

I stopped using the card and had like $10 owed. I thought I payed it off, but apparently I still owed like $2 because of interest, so they charged me a $30 late fee... which they also charged interest on. This was during the peak of the pandemic in Australia. I thought a $30 late fee over petty $2 during a global pandemic was a bit greedy. Resentfully I made the payment, which apparently only went to the account keeping fees, which meant I didn't pay the amount owed, so another $30 was due. I was so confused so I payed all the ridiculous fees plus the interest on their fees and the account fees and tried to close the account. But then they wouldn't let me close it because the account was in credit? Meanwhile they are charging me account keeping fees because they kept my account open. Anyway, I would have let this go... but I've just found out that the situation has totally destroyed my otherwise perfect credit score over the initial $2. BE VERY CAREFUL!

Price
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Brodie, Queensland, reviewed 6 days ago

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