Updated 21 September 2022

Personal Finance
Courtney Allan
Written byCourtney Allan
Our editorial process

If you’re sick of paying annual fees, you’re not alone. Paying for annual fees can be annoying, especially when you just want to make everyday purchases without worrying about a hefty fee at the end of the year.

By using Compare Club, you can find a low or no fee credit card from our panel of lenders in just minutes.

The best part? It’s free to use.

Read on to find our top low or no fee credit cards and enjoy the freedom of making everyday purchases with no annual fee in just minutes.

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Find the right card with low or no fees for your needs below

St. George Bank Vertigo (Balance Transfer Offer)

Key features:

  • $55 annual card fee.

  • 0% interest on balance transfers for a very generous 32 months.

  • 13.99% variable interest rate on purchases.

Great for: Those looking for a low-fee and low-interest credit card with a generous balance transfer offer to boot.

American Express Qantas Discovery Card

Key features:

  • $0 annual card fee and mid-range 20.74% interest rate on purchases (after the interest free period of 44 days)

  • Up to 44 days interest free.

  • Earn up to 1.75 Qantas points for Qantas purchases and 0.75 Qantas points for everyday purchases with no cap on your monthly rewards.

Great for: Those who want an everyday credit card to use that earns Qantas Frequent Flyer Points and has no annual fees.

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Compare Club will help you find a low or no-fee card

  • Comparing cards with us is free and doesn’t affect your credit score.

  • Compare pros and cons of your chosen cards with ease.

  • Apply for your chosen card in just minutes.

Ready to compare?

Just browsing?

View all low and no-fee cards on our panel here.

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This article is opinion only and should not be taken as financial advice. Check with a financial professional before making any decisions.

Compare Club compares a range of credit cards from banks, specialist finance providers and directly from payment issuers. Compare Club does not compare all cards on the market and not all cards are available to all people. Customers should consider their personal circumstances before applying for credit.


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