If you don’t spend much on your credit card every month and always pay off your balance in full then you might want to consider how well your card compares to one with no annual fee – you could save yourself some money! Cards without an annual fee are available from many banks in Australia and many offer low interest rates, balance transfers and rewards to sweeten the deal even more.
| Image | Name | Annual Fee | Balance Transfer Rate | Balance Transfer Rate Period | Purchase Rate | Apply |
|---|---|---|---|---|---|---|
 |
Woolworths Everyday Money Credit Card
$1 Spent = 3 Reward Points. No annual fee for 1st year. |
$0 | 0% p.a. | 6 months | 19.49% p.a. | |
 |
ANZ First Visa Card
No Annual Fee for 1st Year. |
$0 | 7.99% p.a. | 6 months | 18.99% p.a. | |
 |
HSBC Credit Card
No Annual Fee for Life. Get $50 cash back. |
$0 | 0% p.a. | 6 months | 16.99% p.a. | |
 |
American Express Gold Ascent Credit Card
7 Airline Rewards Partners |
$0 | - | - | 20.49% p.a. | |
 |
American Express Gold Business Card
No Annual Fee for 1st Year. |
$0 | - | - | - | |
 |
Virgin No Annual Fee Credit Card
Never pay an annual fee again! |
$0 | 2.9% p.a. | 6 months | 16.95% p.a. | |
 |
BankSA No Annual Fee Credit Card
No Annual Fee |
$0 | - | - | 20.24% p.a. |