🆓
No Annual Fee Credit Cards
Best credit cards with zero annual fee
🆓
No Annual Fee Credit Cards
#1
#1
Qantas American Express Discovery Card
American ExpressLive
Free
Details+
Key Details
Annual feeFree
Purchase rate23.99%
Interest-free days44 days
Min incomeNot specified
Rewards
Earn rate1.75x pts
ProgramQantas Frequent Flyer
Features
FX fee3.5%
Travel insuranceNo
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#2
#2
Coles No Annual Fee Mastercard
NABLive
Free
Details+
Key Details
Annual feeFree
Purchase rate20.74%
Interest-free days44 days
Min incomeNot specified
Rewards
Earn rate0.5x pts
ProgramFlybuys
Features
FX fee3%
Travel insuranceNo
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#3
#3
Revolut Credit Card
RevolutLive
Free
Details+
Key Details
Annual feeFree
Purchase rate20.99%
Interest-free days44 days
Min income$2,000
Rewards
Earn rate0.077x pts
ProgramRevPoints
Features
FX feeNone
Travel insuranceIncluded
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#4
#4
Low Rate Credit Card from American Express
American ExpressLive
Free
Details+
Key Details
Annual feeFree
Purchase rate10.99%
Interest-free days55 days
Min incomeNot specified
Features
FX fee3.5%
Travel insuranceNo
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#5
#5
Low Rate Visa Credit Card
Bank AustraliaLive
Free
Details+
Key Details
Annual feeFree
Purchase rate12.99%
Interest-free daysNone
Min incomeNot specified
Features
FX fee3%
Travel insuranceNo
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#6
#6
Bankwest Zero Platinum Mastercard
BankwestLive
Free
Details+
Key Details
Annual feeFree
Purchase rate18.99%
Interest-free days55 days
Min incomeNot specified
Features
FX feeNone
Travel insuranceNo
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#7
#7
Bankwest Zero Classic Mastercard
BankwestLive
Free
Details+
Key Details
Annual feeFree
Purchase rate18.99%
Interest-free days55 days
Min incomeNot specified
Features
FX fee2.95%
Travel insuranceNo
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#8
#8
Visa Credit Card
Bank AustraliaLive
Free
Details+
Key Details
Annual feeFree
Purchase rate19.74%
Interest-free days55 days
Min incomeNot specified
Features
FX fee3%
Travel insuranceNo
ContactlessYes
Apple/Google PayApple Pay, Google Pay
#9
#9
Bendigo Ready Credit Card
BendigoLive
Free
Details+
Key Details
Annual feeFree
Purchase rate19.99%
Interest-free days55 days
Min incomeNot specified
Features
FX feeNone
Travel insuranceIncluded
ContactlessYes
Apple/Google PayApple Pay, Google Pay
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As of 16 September 2026, the highest rewards earn rate on a no-annual-fee card tracked by BankMate is 1.75 points per dollar on the American Express Qantas American Express Discovery Card. How we rank →