No Annual Fee Credit Cards

A credit card with a low interest rate, terrific rewards program and even more benefits can be virtually rendered not worth having if an exorbitant annual fee eats up all the savings. If you are looking for a card you don’t have to pay for the privilege of owning, look for a no annual fee credit card. Instead of charging you to have a card whether or not you even use it, no annual fee credit cards charge no repeating yearly uptake fees. More…

In addition to charging no annual fee, these credit cards typically offer lower interest rates compared to standard personal credit cards. A few will even have a promotion for a 0% introductory interest rate, so individuals can use it for a quick balance transfer or for spending in a pinch. Read the fine print when applying for credit cards, and secure ones with no annual fee whenever possible.

Credit Card Interest Rate (pa) Balance Transfer Cash Advance Rate (pa) Interest Free
(Up to)
Annual Fee

Bankwest Zero Gold MasterCard

  • mastercard
With the Bankwest Zero Gold MasterCard you get an Introductory Interest Rate of 1.00% pa for 6 months then 17.99% pa thereafter.
With the Bankwest Zero Gold MasterCard you get a Balance Transfer Rate of 4.99% pa for 9 months.
With the Bankwest Zero Gold MasterCard you get a 18.99% pa Cash Advance Rate.
With the Bankwest Zero Gold MasterCard you get up to 55 Interest Free days.
The Bankwest Zero Gold MasterCard has a $0 Annual Fee.

Bankwest Zero MasterCard

  • mastercard
With the Bankwest Zero MasterCard you get an Introductory Interest Rate of 1.00% pa for 6 months then 17.99% pa thereafter.
With the Bankwest Zero MasterCard you get a Balance Transfer Rate of 4.99% pa for 9 months.
With the Bankwest Zero MasterCard you get a 18.99% pa Cash Advance Rate.
With the Bankwest Zero MasterCard you get up to 55 Interest Free days.
The Bankwest Zero MasterCard has a $0 Annual Fee.

Bankwest Zero Platinum MasterCard

  • mastercard
With the Bankwest Zero Platinum MasterCard you get an Introductory Interest Rate of 1.00% pa for 6 months then 17.99% pa thereafter.
With the Bankwest Zero Platinum MasterCard you get a Balance Transfer Rate of 4.99% pa for 9 months.
With the Bankwest Zero Platinum MasterCard you get a 18.99% pa Cash Advance Rate.
With the Bankwest Zero Platinum MasterCard you get up to 55 Interest Free days.
The Bankwest Zero Platinum MasterCard has a $0 Annual Fee.

HSBC Credit Card

  • visa
With the HSBC Credit Card you get a 17.99% pa Interest Rate.
With the HSBC Credit Card you get a Balance Transfer Rate of 0% pa for 6 months.
With the HSBC Credit Card you get a 21.99% pa Cash Advance Rate.
With the HSBC Credit Card you get up to 55 Interest Free days.
The HSBC Credit Card has a $0 Annual Fee.

Virgin No Annual Fee Credit Card

  • visa
With the Virgin No Annual Fee Credit Card you get a 18.99% pa Interest Rate.
With the Virgin No Annual Fee Credit Card you get a Balance Transfer Rate of 2.90% pa for 6 months then any outstanding transferred balance will revert to Cash Advance Rate.
With the Virgin No Annual Fee Credit Card you get a 20.99% pa Cash Advance Rate.
With the Virgin No Annual Fee Credit Card you get up to 44 Interest Free days.
The Virgin No Annual Fee Credit Card has a $0 Annual Fee.
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