Compare low annual fee credit cards

Average annual fee is $300

$0 to

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Credit card
Bonus points
Earn rate
Annual fee
Estimated Qantas Points
  • 0% p.a. Balance Transfer for 12 months 

  • Additional cardholders for no extra fee  

Bonus points
N/A
Earn rate
Up to 1.5 PTS per $1 spent
Annual fee
$0 1st year fee $299 thereafter
90,000 PTS
Over based on
  • Up to 4 Additional Cardholders for no extra fee 

  • Uncapped Qantas Points earning potential

Bonus points
N/A
Earn rate
Up to 0.75 PTS per $1 spent
Annual fee
$0
54,000 PTS
Over based on
  • Uncapped Qantas Points earning potential 

  • 0% p.a. for 12 months on Balance Transfers, with a 2% Balance Transfer fee 

Bonus points
Up to 8,000 PTS
Earn rate
Up to 1 PT per $1 spent
Annual fee
$99
62,000 PTS
Over based on
  • Up to 55 days interest free period 

  • A range of complimentary insurances 

Bonus points
25,000 PTS
Earn rate
Up to 0.6 PTS per $1 spent
Annual fee
$89
68,200 PTS
Over based on

No or low annual fee credit cards

Amongst the wide range of Qantas Points earning credit cards from all the major banks and more, there are no or low annual fee cards that still allow you to earn Qantas Points on your everyday eligible spend.

Why do some credit cards charge an annual fee?

Why do some credit cards charge an annual fee?

Most credit cards charge an annual fee, with the cost usually ranging depending on the additional benefits of the individual card.

Choose the right no or low annual fee credit card for you

Choose the right no or low annual fee credit card for you

There are a host of credit cards in the market offering no, or low, annual fees. Some offer the basics, while others boast a range of additional features and benefits. Compare a range of no or low annual fee credit cards that can earn you Qantas Points to understand which suits your needs better.

Why choose a no or low annual fee credit card?

Why choose a no or low annual fee credit card?

A no or a low annual fee credit card has the potential to save you hundreds of dollars on your yearly account costs. To do this, always pay off your balance in full before the payment due date and make use of interest-free days on purchases. There are multiple cards with no annual fees, so compare the credit cards to find the no or low annual fee card that's right for you.

More information

Is a Qantas Frequent Flyer offer available with a no or low annual fee credit card?

Is a Qantas Frequent Flyer offer available with a no or low annual fee credit card?

Yes, this would depend on the card issuer. However many no or low annual fee cards come with benefits such as free QFF membership, bonus points and points on your everyday spend.

What do I need to consider when choosing a no or low annual fee credit card?

What do I need to consider when choosing a no or low annual fee credit card?

Because a no annual fee credit card doesn’t charge you for yearly account maintenance, this could save you money each year when compared to credit cards that do charge an annual fee. However, it’s important to keep in mind that credit cards with no or a low annual fees can have higher standard interest rates for purchases compared to some other options. Some no annual fee credit cards also offer fewer additional features, such as rewards or complimentary extras.

How do I apply for a no or low annual fee credit card?

How do I apply for a no or low annual fee credit card?

This will vary depending on the card issuer. Once you’ve decided which no or low annual fee card above is right for you, the 'Apply' button will take you through to the relevant card owner’s site. Each will have their own set of eligibility requirements which will need to be met in order for your application to be successful.

Frequently asked questions

Is there an interest-free period with a no or low annual fee credit card?

Most credit cards offer a number of interest-free days (such as up to 55) on purchases when you pay your account balance in full by the due date on your statement. This gives you a way to make interest-free purchases on an ongoing basis. If you're paying your account in full, taking advantage of interest-free days and paying no (or low) annual fees, you can keep your card costs to a minimum.

What is the minimum monthly payment?

The minimum amount you have to pay by the payment due date will be shown on your credit card statement. You can choose to pay the minimum payment - or pay more. If you choose to only make the minimum monthly payment, keep in mind that you will pay more interest and it will take you longer to pay off your balance. You would need to look at the individual card holders to determine the percentage charged.

Is Qantas Lounge access available with a no or low annual fee credit card?

Some no or low annual fee credit cards that earn Qantas Points offer Qantas Lounge Invitations, you will have to refer to the individual card issuers to find out more.

What you need to know

You must be a member of the Qantas Frequent Flyer program to earn and use Qantas Points. A joining fee may apply. Membership and points are subject to the Qantas Frequent Flyer program Terms and Conditions.

The credit card products referred to on this webpage are not Qantas products and not offered or issued by Qantas but by the relevant credit licensees. The information about the credit products has been provided by the relevant credit licensees and not Qantas. Qantas does not hold an Australian Credit Licence and is not a licensee in relation to the credit activity being engaged in by the relevant credit licensees.

The information on this webpage is factual and of a general nature only and does not consider your personal objectives, financial situation or particular needs.

Qantas is not recommending the products described on this webpage. We recommend that you obtain independent advice before you apply for any product which is described on this webpage. Qantas does not accept liability for any loss arising from the use of, or reliance, on the information provided on this webpage.

Points are offered by the relevant program card partner and partner reward program and can only be earned on eligible purchases. Bonus points amounts offered are different for each credit card. Minimum spend criteria, terms and conditions, fees and charges may apply.

^Estimated points calculations:

- Are based on a fixed monthly spend each month for the period specified and will include the relevant card’s sign on bonus points, provided the monthly spend amount meets the minimum spend criteria.

- Where 2nd year bonus points are offered and the specified time period selected is 2 years or more, these points will be included.

- Include points capping and points tiers, if applicable.

- Assume 100% of spend is categorised as eligible everyday domestic spend. Check the relevant T&Cs to determine what spend qualifies for points earning. For some products, international spend, government spend and spend on Qantas products and services may result in additional points, or fewer points, being awarded. Where applicable, eligible domestic spend is split into 4 categories:
  • Major Restaurants, Cafes and Hotels (6%),
  • Major Petrol outlets, Supermarkets and National retailers (16%)
  • Utilities (3%)
  • All other spend (75%)

- Do not factor in bonus points available for first-time Qantas Points earning credit cardholders (excludes the Qantas Money Premier Platinum credit card where these bonus points are always available).

- Do not include bonus points on balance transfers.

This tool has been prepared by Qantas and not the associated financial institution. Amounts are estimations only, to be used as a guide, and are not a guarantee of points you will earn. Refer to the full T&Cs for the relevant card to see what purchases are eligible for earning points, and to ascertain points earn rates, bonus points, fees and charges associated over the duration you hold the card.