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No Annual Fee Credit Cards

One of the least understood aspects of credit cards is the annual fee. This is actually quite common and can really add to your overall balance, depending on the issuing credit card company. This fee is usually billed either annually or even monthly and is done to help the card company make more money on their investment. These fees can range from the low end of $49 a year up to several hundred, depending on the bank that you are banking with.

If you get a no annual fee credit card offer, it is a good idea to strongly consider accepting it. You can save a lot of money over the long term with this type of credit card, and they are generally highly revered. When you get an application for a no annual fee credit card, there are a few things that you will need to be aware of.

First, some companies have what they call a grace period for no annual fee. This means that if you are late with a payment that you may end up having to pay an annual fee after all on this card. You may also find other fees or even higher interest rates on this type of card. Try to calculate the difference in what you'll be spending on this type of card before you make your final decision. If the overall interest rate is low and there are no penalties, this may be the perfect kind of credit card for you.

HSBC Credit Card
HSBC Credit Card
  • $0 annual fee for the life of the card
  • $50 cashback when you spend $500 or more for each of the first 3 months of your HSBC Credit Card
  • 5.99% on balance transfers
  • home & Away Privilege Program - instant discounts on shopping, travel, accommodation and more
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
None* None* 16.99% p.a.* $0* 5.99%*


Bankwest Zero Platinum MasterCard Credit Card
Bankwest Zero Platinum MasterCard Credit Card
  • Zero Annual Fees!
  • 1.99% p.a introductory rate
  • 24/7 concierge service to help you arrange travel, bookings, shopping and medical services
  • Built-in airline travel and accident insurance protection wherever you are in the world
  • Automatic purchase protection on any goods you buy
  • Up to 12 months extra on top of the usual manufacturer's warranty
  • Up to 55 days interest free on purchases
  • Up to 3 additional cardholders for free
  • 24/7 concierge service to help you arrange travel, bookings, shopping and medical services
  • Built-in airline travel and accident insurance protection wherever you are in the world
  • Automatic purchase protection on any goods you buy
  • Up to 12 months extra on top of the usual manufacturer's warranty
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
1.99%* Up to 9 months* 15.99% p.a.* None* 1.99% for 12 months*


ANZ First Visa Card
ANZ First Visa Card
  • No annual account fee for the first 12 months
  • 7.99% for first 6 months on balance transfers
  • OR ... 2.9% p.a. for 12 months on balance transfers
  • Interest rate of 18.49% p.a.
  • Up to 44 days interest free credit on purchases
  • Visa acceptance at over 24 million locations worldwide
  • Minimum credit limit of $1,000
  • Design your own card
  • Access to special offers from Visa Entertainment
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0% intro APR* Up to 44 Days* 18.49% p.a.* $0 for first year* 7.99% for first 6 months*


HSBC Gold Credit Card
HSBC Gold Credit Card
  • $0 annual fee in the first year
  • Complimentary travel Insurance - this could save you hundreds of dollars
  • Locking in 5 purchases a year (from $500 each) at either a lower interest rate of 10.99% p.a. for 120 days or up to 90 days interest free
  • Up to 45 days interest-free period on standard purchases
  • Enjoy a low introductory interest rate of 5.99% p.a. for 6 months when you transfer balances from other credit and store cards
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0%* Up to 45 days* 18.99% p.a.* 0%* 5.99% for 6 months*


American Express Gold Ascent Credit Card
American Express Gold Ascent Credit Card
  • Rated 5 stars by Canstar Cannex
  • $0 Annual Card Fee
  • $2 spent = 1 Membership Rewards Point
  • 24/7 online account access with online statement available
  • Online Fraud Protection
  • Access hundreds of destinations with our 7 airline rewards partners
  • Fly with Singapore Airlines, Virgin Atlantic & Virgin Blue. Where 1 Membership Rewards point = 1 airline rewards point.
  • Take to the skies with Cathay Pacific, Malaysia Airlines & Thai Airways International. Where 4 Membership Rewards points = 3 airline rewards points.
  • Travel with Air New Zealand Airpoints. Where 100 Membership Rewards points = 1 Airpoints Dollar
  • Enjoy Complimentary enrollment in Membership Rewards Ascent. And earn points for premium rewards.
  • Apply online now or read more
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers
0%* Up to 44 days* 19.99% p.a.* $0* None*