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

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.

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.

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.

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.

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 now' 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.

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.

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.

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.