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Card
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Rewards Points
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Annual Fee
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Interest Rate
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Balance Transfer
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|
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7,500 Bonus QFF Points- Earn Qantas Frequent Flyer Points for every $1 spent
- Bonus Points Offer
|
1
|
$0Current Deal
|
20.74%
|
-
|
Go to site
|
|
- No Annual Fee for life of card
- 6 Month Balance Transfer Offer
- home&Away privilege program
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$0
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17.99%
|
0%for 6 months
|
Go to site
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|
- Flexible Line of Credit with ATM/ EFTPOS card & Cheque Book
- 5.9% Balance Transfers for 2 Years
- No Annual Fee or Ongoing Service Fees
|
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$0
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18.99%
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5.9%for 24 months
|
Go to site
|
|
0% Balance Transfers- No Annual Fee for life of card
- 9 Month Balance Transfer Offer
- Range of Complimentary Insurances
|
|
$0Current Deal
|
17.99%
|
0%for 9 months
|
Go to site
|
|
2.9% on Balance Transfers- No Annual Fee for life of card
- 6 Month Balance Transfer Offer
- Free Additional Cardholder
|
|
$0Current Deal
|
18.99%
|
2.9%for 6 months
|
Go to site
|
|
0% Balance Transfers- No Annual Fee for life of card
- 9 Month Balance Transfer Offer
|
|
$0Current Deal
|
17.99%
|
0%for 9 months
|
Go to site
|
|
0% Balance Transfers- No Annual Fee for life of card
- 9 Month Balance Transfer Offer
- Range of Complimentary Insurances
|
|
$0Current Deal
|
17.99%
|
0%for 9 months
|
Go to site
|
|
- No Annual Fee for life of card
- Choice of Visa or MasterCard
|
|
$0
|
20.49%
|
-
|
Go to site
|
|
- No Annual Fee for life of card
- Choice of Visa or MasterCard
|
|
$0
|
20.49%
|
-
|
Go to site
|
|
- No Annual Fee for life of card
- Choice of Visa or MasterCard
|
|
$0
|
20.49%
|
-
|
Go to site
|
No Annual Fee Credit Cards
There’s nothing too complicated about a no annual fee credit card – it is exactly that, a credit card with no ongoing annual fees. If you won’t be spending regularly or excessively on your credit card, a no annual fee credit card might be helpful in providing the convenience of a credit card without the burden of an annual fee.
No annual fee cards might as well be called low use credit cards as no 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.
No 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.
No 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
Compare credit cards from the following credit card providers...
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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