Best No/Low Annual Fee Credit Cards

No annual fee credit cards are perfect for everyday Australians who want a simple, cost-effective card. These cards prove you don't need to pay hundreds in fees to get a solid credit card with useful features.

1
Zero Platinum Mastercard

Bankwest · Mastercard

$0/yr15.99% p.a.No FX fees55 interest-free days

🎁 0% p.a. on balance transfers for 28 months

no feesbeginners
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2
Zero Mastercard

Bankwest · Mastercard

$0/yr13.99% p.a.No FX fees55 interest-free days
no feesbeginners
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3
StraightUp Card

NAB · Visa

$0/yr0% p.a.No FX fees

🎁 No interest ever

no feesbeginners
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4
Breeze Classic Mastercard

Bankwest · Mastercard

$0/yr19.99% p.a.55 interest-free days
no feesbeginners
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5
Macquarie Green Credit Card

Macquarie · Visa

$0/yr14.99% p.a.No FX fees55 interest-free days
no feesbeginners
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6
Up Credit

Up (Bendigo) · Mastercard

$0/yr17.99% p.a.No FX fees55 interest-free days
no feesbeginners
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7
28° Global Platinum Mastercard

Latitude · Mastercard

$0/yr19.95% p.a.No FX fees55 interest-free days
no feesbeginners
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8
NAB StraightUp Card (No Interest)

NAB · Visa

$0/yr0% p.a.

🎁 No interest ever — flat monthly fee

beginnersnewcomersno fees
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9
No Annual Fee Credit Card

Virgin Money · Visa

$0/yr19.99% p.a.55 interest-free days
beginnersnewcomersno fees
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10
Neo Card (Low Interest)

CommBank · Mastercard

$0/yr12.99% p.a.
beginnersnewcomersstudents
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11
First

ANZ · Visa

$0/yr20.74% p.a.55 interest-free days

🎁 0% on purchases for 6 months

studentsfirst card
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12
Neo

CommBank · Mastercard

$0/yr13.49% p.a.55 interest-free days
studentsno income requirementfirst card
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13
Low Rate Mastercard

Latitude · Mastercard

$0/yr12.49% p.a.55 interest-free days
no feeslow interest
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14
StraightUp

NAB · Visa

$0/yr0% p.a.

🎁 No interest ever

no interestpredictable costsstudents
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15
No Annual Fee

Virgin Money · Visa

$0/yr19.99% p.a.55 interest-free days

🎁 0% on purchases for 12 months

no feesintroductory offer
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16
28° Global Platinum

Latitude · Mastercard

$0/yr19.99% p.a.No FX fees55 interest-free days

🎁 No FX fees worldwide

international travelno feesexpats
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17
Low Fee Gold

CommBank · Mastercard

$0/yr20.74% p.a.55 interest-free days
studentsfirst cardno fees
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18
Low Rate Visa

ME Bank · Visa

$0/yr12.99% p.a.55 interest-free days
no feeslow interestdigital banking
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19
Essential Credit Card

American Express · Amex

$0/yr15.99% p.a.55 interest-free days

🎁 10,000 MR points

no feesrewardsentry amex
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20
Low Fee

NAB · Visa

$0/yr20.74% p.a.55 interest-free days
no feesfirst card
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21
Essential Low Rate

AMP · Visa

$0/yr11.99% p.a.55 interest-free days
no feeslow interest
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22
Orange Card

Up (Bendigo) · Mastercard

$0/yr18.99% p.a.No FX fees55 interest-free days
digital bankingmillennialsno fees
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💡 Tips for Choosing a No/Low Annual Fee Credit Cards

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Information is general in nature and does not constitute financial advice. Product details may change — always verify with the provider. Last updated March 2026.