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Credit Cards

Choosing a Low Fee Credit Card

Compare low interest fee credit cards

  • Low annual fees under $50 p.a.
  • 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 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 $0 20.74% 0.99%for 6 months
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Commonwealth Bank Low Fee Credit Card
Commonwealth Bank Low Fee Credit Card
$200 Flight Centre Gift Card
  • Low Annual Fee
  • Free Additional Cardholder
  • 24/7 emergency assistance overseas
  $24 19.74% 5.99%for 5 months
More details...
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 $49 19.99% -
More details...
HSBC Credit Card
HSBC Credit Card
0% Balance Transfers
  • No Annual Fee for life of card
  • Free Additional Cardholders
  • home&Away privilege program
  $0 17.99% 0%for 6 months
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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
  $0 18.99% 0%for 14 months
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NAB Low Fee Card
NAB Low Fee Card
$0 Annual Fee
  • Choice of Visa or MasterCard
  • Free Addtional Cardholder
  • Purchase Protection Insurance
  $30 19.74% 4.99%for 6 months
More details...
Westpac Low Rate Visa Card
Westpac Low Rate Visa Card
0% Purchases & Balance Transfers
  • Ongoing Low Purchase Interest Rate
  • Free Additional Cardholder
  $45 0%
for 12 months
then 13.49%
1.99%for 12 months
More details...
Westpac 55 Day Visa Credit Card
Westpac 55 Day Visa Credit Card
No Annual Fee Ever
  • Ongoing Low Annual Fee
  • Free Additional Cardholder
  $30 19.84% 3.99%for 6 months
More details...
Westpac 55 Day Platinum Visa Card
Westpac 55 Day Platinum Visa Card
No Annual Fee Ever
  • Extended Complimentary Insurances
  • Platinum Concierge
  • Falcon Fraud Protection
  $90 19.84% 3.99%for 6 months
More details...
HSBC Platinum Credit Card
HSBC Platinum Credit Card
$0 Annual Fee + 10,000 Reward Points
  • Free Additional Cardholders
  • Range of Complimentary Insurances
  • Platinum Concierge Service
1 $0 19.99% 0%for 8 months
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Coles Rewards MasterCard
Coles Rewards MasterCard
0% Balance Transfers
  • Earn flybuys points for every $1 spent
  • Low Annual Fee
  • Redeem Instant Discounts at Coles Supermarkets
3 $49 19.99% 0%for 6 months
More details...
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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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% -
More details...
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 $0 20.74% 0.99%for 6 months
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Coles Rewards MasterCard Platinum
Coles Rewards MasterCard Platinum
0% Balance Transfers
  • Earn flybuys points for every $1 spent
  • Low Annual Fee
  • Redeem Instant Discounts at Coles Supermarkets
3 $49 19.99% 0%for 6 months
More details...

Current Credit
Card Promotions

The market for credit cards is constantly changing so it can be hard to find current credit card promotions. Whether you want a low fee, low interest, balance transfer, or Frequent Flyer rewards credit card - you can compare credit card promotions here to find a credit card to suit your needs. Each month we will compare credit card offerings from major Australian lenders and bring you a selection of new credit card promotions.

How do we choose the monthly promotions?

Each month, there's a range of promotional offers available from credit card providers and we highlight a selection of notable offers based on the relative size or discount offered by the provider. To qualify for listing on this page, the offer needs to be a special offer beyond the standard product construct offered normally on the credit card. For some of the credit cards on WhistleOut, we can receive commissions if you apply for the credit card. Please ensure you consider the full terms and conditions of each card and that whether the promotional offer suits you at this time.


Qantas American Express Ultimate Credit Card

Qantas American Express

Ultimate Credit Card

Up to 50,000 Bonus Qantas Points

Receive up to 50,000 bonus Qantas Points if you apply by 30 June 2014 and make the eligible card spend(s). Offer available to new AMEX Qantas Ultimate cardholders. Pay only $250 Annual Fee for the first year with the Qantas American Express Ultimate Card. Plus pay 0.99% interest on Balances Transferred for the first 6 months. (1% balance transfer fee applies).

This promotion includes:

  • Up to 50,000 Bonus Qantas Points
  • 0.99% pa on balance transfers for 6 months
  • Earn up to 3 points per dollar spent
  • Up to 44 days interest free
  • Reduced annual fee for first year

Apply for this card now:

Go to site

Low Rate Credit Card

Virgin Money

Low Rate Credit Card

0% pa on Balance Transfers For 6 Months

Get 0% pa for 6 months on balances transferred to this Virgin Money Low Rate credit card, and enjoy a great low standard variable interest rate on purchases of just 10.99% pa. Offer available until 31 July 2014.

Virgin Money are promoting:

  • 0% pa on balance transfers for 6 months
  • Low 10.99% pa variable interest rate
  • Up to 44 days interest free
  • Additional card holders available

Apply for this card now:

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0% pa Balance Transfer For 9 Months

The Clear Platinum credit card from Citibank offers 0% pa for 9 months on balance transfers. You also pay only half the usual annual fee of $99 - just $49 for the first year!

This promotion from Citibank includes:

  • Up to 55 days interest free
  • 0% pa for 9 months on balance transfers
  • Visa 24 hour conceirge service
  • $49 Annual fee for the first year

Apply for this card now:

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20,000 Bonus Velocity Points

With the Low Fee Card from NAB you can receive 20,000 bonus Velocity Points when you apply before 31 July 2014.

This promotion from NAB includes:

  • 20,000 bonus Velocity Points
  • 4.99% pa on balance transfers for 6 months
  • Up to 44 days interest free on purchases
  • $65 Annual fee

Apply for this card now:

Go to site

Low Fee Credit Cards

There's nothing too complicated about a low fee card - it is exactly that, a credit card with little or in some cases, no ongoing annual fees. If you won't be spending regularly or excessively on your credit card, a low fee credit card might be helpful in providing the convenience of a credit card with a low annual fee.

Low fee cards might as well be called low use credit cards as low 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 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 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

Compare credit cards from the following providers...

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

WhistleOut may receive a commission from some credit card providers.
 

Credit Card Offers

Credit Card Promotions Wrap-Up: August Edition

Credit Card Promotions Wrap-Up: August Edition

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