Best No Annual Fee Credit Cards in Australia (2026)
No annual fee credit cards can help reduce ongoing costs while still offering
useful features like rewards points or introductory balance transfer offers.
Why Choose a No Annual Fee Credit Card?
A card with no annual fee is ideal if you:
Want to minimise yearly costs
Use your credit card occasionally
Prefer simplicity over premium rewards
Key Features to Compare
Interest Rate
Some no annual fee cards have higher purchase rates,
so compare interest carefully if you carry a balance.
Rewards Programs
A small number of no-fee cards still offer basic rewards,
though earn rates may be lower than premium cards.
Balance Transfer Offers
Some providers offer 0% introductory balance transfer promotions
even on no annual fee cards.