Finder's best no annual fee credit card offers for January 2024
Updated 2 January 2024 by Finder's senior credit card writer, Amy Bradney-George.
Millions of Australians have made New Year's resolutions around money, with Finder research showing the top goals are saving more money (54%), spending less money (34%) and reducing expenses (21%). If you have a credit card or want one, considering a no annual fee option is one way to save on expenses. With some cards charging annual fees of $300 or more, this could save you hundreds of dollars on account costs. And sometimes you'll get other perks such as rewards or interest-free offers.
Here's our pick of cards available through Finder:
- $0 annual fee rewards card:
The Coles No Annual Fee Mastercard has an ongoing $0 annual fee and offers 20,000 bonus Flybuys points (worth $100 Flybuys Dollars) when you apply by 29 February 2024. It also offers 0% interest on purchases for the first 6 months. One of the few cards on the market offering rewards and no annual fee. - No annual fee and 0% balance transfer exclusive offer:
The Kogan Money Credit Card has an ongoing $0 annual fee and offers 0% p.a. interest on balance transfers for 18 months with a 1% balance transfer fee. Unlike some cards, you can transfer debt from personal loans and lines of credit from other financial institutions. - No annual fee and frequent flyer points:
The Qantas American Express Discovery Credit Card offers no annual fee for life and earns between 0.5 and 1.75 Qantas Points per $1 on eligible spending. It's one of the few credit cards on the market that gives you a way to earn frequent flyer points without paying an annual fee.
Keep in mind: There's no one best credit card for everyone, so check details that matter to you.
Looking for a credit card with no annual fee and reward points on purchases.
Hi Colin,
Thank you for your comment.
You may compare no annual fee credit cards with rewards. These types of cards will let you earn points on purchases, which you can redeem for flights, cash, or merchandise, get access to extras such as complimentary travel and purchase insurance, airport lounge access, and personalised concierge services. Check the types, the benefits, and what you should consider in choosing rewards credit cards with no annual fee.
Please make sure to meet the eligibility criteria before submitting an application (hitting the Go to site button). Hope this helps.
Regards,
Jhezelyn
What about ING credit cards ?
Hi Terry,
Thank you for your inquiry.
Should you need to know more, please check our article about ING credit card products.
I hope this information has helped.
Cheers,
Harold
What about insurance for fraudulent transactions. I had my Visa card stolen in Rome and, within 20 minutes, over $A3400 in cash withdrawn. My bank covered it all and advised me most of my annual fee was insurance premium. This worked out at over 20 years worth of annual fees and saved our holiday. I no longer view annual fees as an unnecessary or unwarranted expense.
Hi Eddy,
Thanks for your question.
Most of the major credit cards nowadays have their own version of fraud protection like the Visa’s Zero Liability Policy and MasterCard’s Zero Liability Agreement. As long as you meet the conditions, you will not be held liable for those fraudulent transactions on your card. If you want to find more information on what you can do when your credit card is stolen or lost, please read our stolen credit card guide.
Hope this helps.
Cheers,
May
Hi I am wanting a credit card that will give me maximum Qantas frequent flyer points on sign up and no annual fee in the first year…any suggestions??
Hi Nanette,
Thanks for your question.
Please check the Qantas frequent flyer credit cards featured on our website to compare credit cards that offer bonus Qantas points. You can also check the annual fee for each card on the same page.
Cheers,
Anndy
Hi:
I just want to know which VISA credit card will give me an identity with no annual fee. like with which card I can get subscription in iTunes or youtube???
Thanks
Hi Azam,
Thanks for your question.
If you are looking to apply for a Visa credit card with no annual fee, you can check the list of Visa credit cards featured on our website. Among those listed with no annual fee are Virgin Credit Card and Citi Simplicity Card.
Cheers,
Anndy