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Credit Cards

Under $50 Annual Fee Credit Cards

Today's credit cards with annual fee of $50 or less

  • Low annual fees means you save money
  • Better suited for low use
  • Convenience of a credit card with low obligation

Try the Advanced Search - tailored to your spending habits.

Card Rewards Points Annual Fee Interest Rate Balance Transfer  
American Express Velocity Escape Card
American Express Velocity Escape Card
7,500 Bonus Velocity Reward Points
  • No Annual Fee
  • Earn Uncapped Velocity Points for every $1 spent
  • Free Additional Cardholders
up to2 $0Current Offer 20.74% 0.99%for 6 months
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American Express Qantas American Express Discovery Credit Card
American Express Qantas American Express Discovery Credit Card
7,500 Bonus Qantas Points
  • Earn Uncapped Qantas Points for every $1 spent
  • No Annual Fee
  • Free Additional Cardholder
1 $0Current Offer 20.74% 0.99%for 6 months
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Bank of Melbourne No Annual Fee Visa Card
Bank of Melbourne No Annual Fee Visa Card
  • No Annual Fee for life of card
  • 3 Free Additional Cardholders
  $0 20.49% -
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BankSA No Annual Fee Visa Card
BankSA No Annual Fee Visa Card
  • No Annual Fee for life of card
  • 3 Free Additional; Cardholders
  $0 20.49% -
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Coles Rewards MasterCard
Coles Rewards MasterCard
  • Earn flybuys points for every $1 spent
  • Low Annual Fee
  • Redeem Instant Discounts at Coles Supermarkets
3 $49 19.99% -
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Coles Rewards MasterCard Platinum
Coles Rewards MasterCard Platinum
  • Earn flybuys points for every $1 spent
  • Low Annual Fee
  • Redeem Instant Discounts at Coles Supermarkets
3 $49 19.99% -
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Commonwealth Bank Low Fee Credit Card
Commonwealth Bank Low Fee Credit Card
Up to $200 Cash back
  • Low Annual Fee
  • Free Additional Cardholder
  • 24/7 emergency assistance overseas
  $24Current Offer 19.74% 5.99%for 5 months
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HSBC Credit Card
HSBC Credit Card
0% Balance Transfers
  • No Annual Fee for life of card
  • Free Additional Cardholders
  • home&Away privilege program
  $0Current Offer 17.99% 0%for 6 months
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NAB Low Fee Card
NAB Low Fee Card
0% Balance Transfers for 15 months
  • Choice of Visa or MasterCard
  • Free Addtional Cardholder
  • Purchase Protection Insurance
  $30Current Offer 19.49% 0%for 15 months
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St.George No Annual Fee Visa Card
St.George No Annual Fee Visa Card
  • No Annual Fee for life of card
  • 3 Free Additional Cardholders
  $0 20.49% -
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Virgin Money No Annual Fee Credit Card
Virgin Money No Annual Fee Credit Card
0% Balance Transfers
  • No Annual Fee for life of card
  • Free Additional Cardholder
  • Fraudshield® security protection
  $0Current Offer 18.99% 0%for 6 months
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Westpac Low Rate Visa Card
Westpac Low Rate Visa Card
0% Balance Transfers
  • Ongoing Low Purchase Interest Rate
  • Free Additional Cardholder
  $45Current Offer 13.49% 0%for 14 months
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Westpac 55 Day Visa Credit Card
Westpac 55 Day Visa Credit Card
No Annual Fee Ever
  • Ongoing Low Annual Fee
  • Free Additional Cardholder
  $30Save $30 19.59% 3.99%for 6 months
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Westpac 55 Day Platinum Visa Card
Westpac 55 Day Platinum Visa Card
No Annual Fee Ever
  • Extended Complimentary Insurances
  • Platinum Concierge
  • Falcon Fraud Protection
  $90Save $90 19.59% 3.99%for 6 months
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Woolworths Everyday Money Credit Card
Woolworths Everyday Money Credit Card
Bonus 10,000 Money Back Reward Points
  • Earn Woolworths Reward points for every $1 spent
  • Low Annual Fee
  • Automatic money back rewards
up to3 $49Current Offer 19.84% 5.99%for 6 months
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Low Annual Fee Credit Cards

There's nothing too complicated about a low annual fee credit card - it is exactly that, a credit card with low ongoing annual fees. If you won't be spending regularly or excessively on your credit card, a low annual fee credit card might be helpful in providing the convenience of a credit card without the burden of an excessive annual fee.

Low annual fee cards might as well be called low use credit cards as low annual fee credit cards tend to have higher interest rates for purchases than rewards credit cards so it is best to pay the outstanding balance in full each month if possible. If paying your balance in full each month an option for you, your other option would be a low interest rate credit card which would mean that when you don't pay your balance, you are being charged a low rate of interest.

Low annual fee credit cards can also have higher rates for cash advances or include other fees you might not have anticipated upfront such as late payment fees. As with any credit product, be sure to read all the small print carefully.

Low annual fee credit cards with tend not to have the rewards or perks associated with many other credit cards. If you use your credit card to make travel purchases or pay for restaurant bills, a credit card with more reward opportunities (but also higher annual fees) may be more beneficial over time. Take some time to think about your spending trends before simply opting only for the credit card with the lowest fees.

Compare Credit Cards

View credit cards from the following credit card providers...

American Express Credit Cards BankSA Credit Cards Commonwealth Bank Credit Cards NAB Credit Cards Virgin Money Credit Cards
Aussie Credit Cards Citibank Credit Cards David Jones Credit Cards St.George Credit Cards Westpac Credit Cards
Bank of Melbourne Credit Cards Coles Credit Cards HSBC Credit Cards Suncorp Bank Credit Cards Woolworths Credit Cards

Disclaimer:

WhistleOut is not suggesting that you apply for a particular credit card provided by any of the following credit providers, nor are we trying to assist you to apply for a credit card from any of the following providers. We recommend that you seek professional advice before acting upon any information provided on this web site.

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Credit Card Promotions Wrap-Up: April Edition

Credit Card Promotions Wrap-Up: April Edition

Editor's overview four promotions available on Credit Cards in April.