No Annual Fee Credit Cards

If you want a credit card with no annual fees, best rate credit cards has listed the best no annual fee credit cards ordered by the lowest interest. No annual fee credit cards do not cost you anything to use, however the interest rates on cash advances and purchases still apply.

To get the full benefit of using a no annual fee credit card you should pay off all credit balances within the interest free period, it's possible not pay anything for the credit card. If you do leave credit balances on your credit card, you might be better of with a low interest rate credit card with a low annual fee.


Citibank ReadyCredit
Purchase Rate
17.75%
Interest Free
55 days
Annual Fee
$0.00
Balance Transfer
2.90%
for 6 months

Citibank ReadyCredit

Tired of paying high credit card, loan interest rates and fees?

  • Save on your everyday spending with a Citibank ReadyCredit. Its an unsecured line of credit you can use every day.
  • SAVE with a low introductory rate. 2.9% p.a. for 6 months† on ANY purchases, balances you transfer and cash advances.
  • SAVE with NO setup and ongoing transaction fees. Save with NO annual, transaction, ATM/EFTPOS or cash advance fees.
  • Have the freedom to buy what you want. With $5,000 to $25,000^ to use on whatever you want, ReadyCredit gives you the flexibility to repay and re-borrow funds.
  • Choose how you use your credit. Convenient access to your cash via ATM/EFTPOS, phone, internet and a chequebook.
  • Apply today and save. Have money at any time - without the hassle of applying for loans over and over again! Citibank ReadyCredit gives you that security and convenience.

Apply Online Now.

Click through for full product terms and conditions.


St.George No Annual Fee Credit Card
Purchase Rate
18.75%
Interest Free
55 days
Annual Fee
$0.00
Balance Transfer
-

St.George No Annual Fee Credit Card

  • No annual fee
  • 18.75% p.a. on purchase and cash advances*
  • Up to 3 additional cards for friends or family
  • Linked access to your other St.George accounts for the ease of one card banking
  • Instant discounts and added extras with St.George Instant Benefits
Low Rate Credit Cards
StGeorge Vertigo MasterCard StGeorge Vertigo MasterCard
11.89%
Aussie MasterCard Aussie MasterCard
11.99%
Citibank Clear Card Citibank Clear Card
11.99%
ANZ Low Rate MasterCard ANZ Low Rate MasterCard
12.99%
St.George Starts Low Stays Low Credit Card St.George Starts Low Stays Low Credit Card
12.99%
Special Credit Card Promotions
ANZ Balance Card ANZ Balance Card
Purchase Rate
13.99%
Interest Free
55 days
Annual Fee
$79.00
  • 1 Reward Point for every $1 you repay to your balance
  • Get Rewarded by Cashback, Shopping Vouchers or Gift Cards

Citibank Personal Credit Citibank Personal Credit
Purchase Rate
13.99%
Interest Free
-
Annual Fee
$69.00
  • Consolidate your debts with Personal Credit
  • SAVE with a low balance transfer rate
  • SAVE with a low ongoing interest rate
  • NO transaction, ATM/EFTPOS or cash advance fees

BP-Citibank MasterCard BP-Citibank MasterCard
Purchase Rate
19.89%
Interest Free
55 days
Annual Fee
$79.00

A credit card that gives you automatic savings on everything you buy anywhere. With the BP-Citibank MasterCard the money you save is simply credited to your account.

  • 5% off your petrol
  • 1% off everything else
  • 2.9%p.a. 12 month balance transfers


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