No annual fee first year, $129 p.a. Apply by 31 Jan 21. You don’t use your card that often. for 12 months on balance transfers 2 (reverts to cash advance rate. Just remember that, if you transfer a balance from another card or loan product, a 5% balance transfer fee (minimum $10) will apply. No annual fee first year. Benefits and Drawbacks: Citi® Double Cash Card is hard to argue against if you’re looking for a cash-back credit card with no annual fee. Considering that there's no annual fee, cardholders gain access to 3x points reward rates across an impressive range of spending categories. Can you suggest one please? Operated by Credit World pty Ltd, ANZ Low Rate Credit Card – 0% Balance Transfer, Bank of Melbourne Amplify Platinum Credit Card, HSBC Platinum Credit Card – 0% Balance Transfer Offer, Westpac Altitude Business Platinum credit card, Commonwealth Bank Low Fee Gold Credit Card, American Express Velocity Escape Credit Card, Police Credit Union extralite Credit Card, Qantas American Express Discovery Credit Card, Commonwealth Bank Business Low Rate Credit Card, Credit Union SA Education Community Credit Card, Bank of Melbourne No Annual Fee Credit Card, https://www.creditcard.com.au/bankwest-zero-platinum-credit-card/, https://www.creditcard.com.au/anz-low-rate/, If you are not redirected click here to continue. The product information provided cannot be considered comprehensive and may not contain all the features relevant to you. Also known as a ‘no fee’ credit card, a no annual fee card is designed to help cardholders save money. on purchases and pay no annual fee. $0 annual fee in the first year - $29 ongoing. Be careful of the high purchase rate and use responsibly. This type of offer can provide a great way to trial a card, trying out its features or rewards program for ‘free’. This card lets you earn a flat rate of cash back and a generous initial welcome bonus. I don’t have a huge balance, never overspend and add to the account each month. Hi, I'm looking for a credit card that earns points with a low/no annual fee. The Heritage Gold Low Rate credit card offers no annual fee with no interest free days. They typically require a higher minimum income. With a no annual fee card, you can use it when you need it, without paying an ongoing fee for the privilege. Uncapped points earning. Unemployment‌ ‌Benefits‌ ‌Boost‌ Calculator, See Secured credit cards with no annual fee can give you the best of both worlds. The last increased offer ended on October 1, 2020, so it might be best to wait to apply. Earn 1 CUA Platinum Rewards Point per $1 spent. for 20 months on balance transfers with no balance transfer fee. The only “perks” you’ll receive include $0 liability on unauthorized charges, identity theft assistance and Lost Wallet® Service, which helps you get a new card quickly if you lose it. What Exactly Can Be Taken From You In A Lawsuit? Enjoy new 5% categories each quarter! You need to find a credit card provider that will accept the disability pension as income. The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Reverts to cash advance rate. We also considered which cards offer 0% APR on purchases or balance transfers for a limited time, then we gave priority to cards that offer a total package that makes sense for the ways consumers spend and use credit. No annual fee card that offers 2.99% p.a. CreditCard.com.au. Earn 1 Amplify Point per $1 spent. Annual fee. These are provided as guidelines only and approval is not guaranteed. Hi Frances, I suggest with the potential of Thailand that you look at a no annual fee card with no foreign fees. Help avoiding late fees. Using a no annual fee card allows you to enjoy the convenience of a credit card without out of pocket cost. No minimum to redeem for cash back. card offer benefits such as cell phone insurance and secondary car rental coverage. Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. Free extra card holder. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Have your personal details ready to complete the online application. Pay no international transaction fees for purchases you make overseas or online. The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining plus rotating quarterly bonus categories in areas many households are likely to find appealing. Pay no annual fee the first year - save $99. Ever popular St.George Vertigo low rate credit card. Just make sure you’re prepared to pay all your credit card balances off each month so don’t pay interest on your purchases. In terms of rewards earnings, Citi rounds up all purchases to the next 10 points. 4 additional card holders at no extra cost. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. All other purchases earn 1% cash back. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Many credit card issuers tack on fees or higher interest rates to offset the cost of the rewards they pay to cardholders. Cash Back rewards do not expire as long as your account is open. By submitting this feedback you agree to our privacy policy. Complimentary smartphone screen insurance. Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year. No annual fee the first year - save $90. Editor’s note: This is a recurring post, regularly updated with new offer details and information. These cards usually offer points as part of a credit card rewards program such as Westpac Altitude Rewards or St.George Amplify Rewards. After that, the variable APR will be 14.74% – 24.74%%, based on your creditworthiness, If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full, There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, The same great rate for all balances, after the introductory period, Save time when you call with fast, personal help, 24 hours a day — just say “representative”, Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month, Flexible rewards program with a wide variety of redemption categories, Earn 2X Membership Rewards® points at US supermarkets on up to $6,000 per year in purchases (then 1X), Earn 2X Membership Rewards® points when you use your Card to book your trip through AmexTravel.com, Earn 1 Membership Rewards® point for every eligible dollar you spend on everything else, You can use Membership Rewards® points towards eligible charges you make on your Card, such as retail, dining, entertainment and more, Payment Flexibility: Your Card gives you the option to carry a balance with interest or pay in full each month, Use your Card 20 or more times on purchases in a billing period and earn 20% extra points on those purchases. Card providers generally charge this fee for providing both access to credit, and access to the various features and rewards the card may offer. Second Stimulus Check Calculator: How Much Will You Receive? You may find some no annual fee cards offer deals on balance transfers, and on occasion, some may provide purchase offers. Comes with Domestic and International Travel Insurance. My passion lies in showing families how to travel more while keeping their savings and sanity. In addition, there are no annual fee credit card offers available to people of all credit levels – from bad credit to excellent credit. Of the major airline rewards, its Velocity and Qantas here. Busy business owners will appreciate this card's simple flat-rate rewards program which doesn't require time to manage and optimize. Compare rewards programs. variable on purchases No ING international transaction fees if you deposit at least $1,000 a month into your Orange Everyday and make 5+ card purchases that are settled (not pending) each month Pay off purchases over set terms of your choice at a lower interest rate of 9.99 % p.a. If you transfer a balance, you’ll need to pay an upfront balance transfer fee of 3% of each balance transfer; $5 minimum. As the name implies, a $0 annual fee credit card is one that does not charge a yearly fee to maintain the card. Rewards, Cash back. The Citi® Double Cash Card is an aptly-named no annual fee credit card that offers 1 percent cash back on all purchases, and an additional 1 percent cash back when you pay for your purchases. By choosing this type of card, you will never pay an annual fee. That said, cards such as the no-annual-fee. Excellent (750 - 850), On Citibank's That makes this card a good option if you make a lot of small purchases throughout the month, or if you use a single credit card for all your regular spending and bills. I have income from my superannuation pension but have assets. You'll win either way. 0% on balance transfers for 24 months (reverts to cash advance rate) all wrapped into a nice low rate package of 13.99% on purchases and $55 annual fee. Annual $6,000 spending cap on 2x points category. (Rates & Fees) (Our full review) Marriott Bonvoy Bold™ Credit Card. on balance transfers for 12 months. Our list gives you a good place to start. New customers only who apply for a Coles No Annual Fee Mastercard by 31 January 2021. Some credit cards even extend 0% APR for a limited time, letting them work as an interest-free loan. Benefits and Drawbacks: The Citi Simplicity® Card is the best credit card with no annual fee for balance transfers due to the fact you get a full 18 months at 0% APR. You can also benefit from a generous balance transfer offer. Pay no annual fee ever plus take advantage of the 0% p.a. Features: No annual fee cards tend to be low on features, but you can still compare the options to see what’s on offer. Collect 1 Flybuys Point per $2 on eligible spend when you use this card. Hi Margaret, no annual fee cards can be harder for approval. Though there are still cards not listed. on purchases for 15 months. I want a credit card that get frequent flyer points but has a low annual fee or a free introductory one year period. Also known as a ‘no fee’ credit card, a no annual fee card is designed to help cardholders save money. 1% balance transfer fee applies. No annual fee and complimentary overseas travel insurance up to 6 months. Hi, I’m the site founder and I will personally answer your question within a business day. No Annual Fee After Meeting A Minimum Spend. Thank you! The Heritage Gold Low Rate credit card offers no annual fee with 0 interest free days. A total of over 250 Australian cards. Our credit card experts will review your feedback and take action within 1 business day to address or respond to the issue. Free extra card holder. As for those intro offers, they can provide real bang for your buck, especially on cards with bonus points or enticing extras on offer. For full time students earning $15,000 p.a. Apply by 9 Feb 21. This card also lets you avoid interest on purchases for 18 months, which could give you some breathing room if you have some purchases to cover but don’t want to deal with paying an exorbitant interest rate for up to one year. Cards right, you 're comparing, be sure you know what the annual fee card can help decide... Gas Stations for the first 12 months from account opening and a low -! Limited-Time promotion * credit criteria, fees and charges, terms and conditions.... 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