- Up to 2 points per $1
- $0 annual fee
- Ends 31 August 2023
- Up to 2 points per $1
- $0 annual fee
- Ends 31 August 2023
A credit card with no annual fee, when paid off in full by the due date, means you could pay nothing for your card. Many cards offer a $0 annual fee just for the first year, but there are a bunch that have no annual fee for the life of the card, too.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
A no annual fee credit card allows you to buy what you need without having to pay a yearly fee for the account. This can save you around $25 to $1,450 compared to credit cards with an annual fee.
Just like other cards, interest and other charges may apply. But if you pay off the balance each month – and can get interest-free days on purchases – it’s the closest you can get to free money.
Finder's database contains every credit card we could find on the market, including some offering balance transfers, rewards and other benefits. Right now, there are 34 credit cards on the market that charge a $0 annual fee.
Updated 10 July 2023 by Finder's senior credit card writer, Amy Bradney-George.
The Reserve Bank chose to leave the cash rate rate on hold this month, but that doesn't mean things are getting more affordable. The increasing cost of living is still the reality for a number of Aussies in July.
A number of Australians continue to use credit cards to manage their spending. Finder research has found that while 72% of us can manage thier finances without a credit card, we are still putting around 23 purchases a month on plastic.
If you are looking for a credit card, a no annual fee card can allow you to make purchases without an ongoing yearly fee adding to your costs. If you pay off your bill in full each month it gives you low-cost access to credit. Some cards even offer you rewards like vouchers or points.
Here's our pick of offers available through Finder:
Keep in mind: There's no one best credit card for everyone, so check details that matter to you.
Most credit cards offer a number of interest-free days (such as up to 55) on purchases when you pay your account balance in full by the due date on your statement. This gives you a way to make credit card purchases without interest charges, on an ongoing basis.
If you pay your account in full, make use of interest-free days and don't have an annual fee, your credit card could cost you nothing.
Some no annual fee credit cards offer the basics, while others have more features and benefits. This means you can compare credit cards that combine no annual fee with other features including introductory 0% interest rate offers, frequent flyer points, reward points and complimentary extras. Here are some examples.
|Feature||Card||Current Offer||Annual Fee & Purchase Rate|
|Balance Transfer||Get a 0% p.a. interest rate for the first 28 months on balance transfers with a 2% balance transfer fee.|
|Rewards||Offers the equivalent of 0.5 Flybuys points per $1 you spend on eligible purchases.|
|Frequent Flyer||Earns 0.75 Qantas Points per $1 spent on everyday purchases, 0.5 point / $1 with government bodies in Australia and an additional 1.75 Qantas Point per $1 spent on selected Qantas products and services in Australia, uncapped.|
|Travel||Offers 0% foreign transaction fees overseas and online with international merchants. Plus, complimentary overseas travel insurance.|
As there are different types of $0 annual fee credit cards on the market, it's important to consider your financial situation and how you plan to use the card. Then you can weigh up the other benefits, costs and features to help you find a card that suits your needs.
If you're interested in getting a credit card with no annual fee, ask yourself these questions to help compare your options:
Pictures: Getty ImagesBack to top
Make the most of credit cards offering $0 annual fee in the first year and learn about other ways to save on this yearly cost with this guide to annual fees.
Share your credit card with a partner or family member but watch for extra costs. Compare cards and learn more about credit cards that offer free additional cardholders.
Compare no annual fee rewards credit cards and earn points on all eligible purchases without paying a yearly fee.
Save with low annual fees, competitive interest rates and modest credit limits with a no frills credit card.
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