Credit Cards with No Additional Cardholder Fee

$59 annual fee
Existing customers onlyCan I become an existing customer?
Offer
0 Westpac points
One additional cardholder (16 years or older) can be added at no extra cost.
Spend $7,000 in 210 days (~$1,000/mo)
$0 first year annual fee, $59 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. $350 cashback covers the $59 fee.

Read my analysis
$195 annual fee
Offer
80,000 NAB points
Additional cardholders can be added at no extra cost.
Spend $3,000 in 90 days (~$1,000/mo)
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$195 annual fee
Offer
0 American Express points
Up to 4 additional cards can be added for family members or friends at no extra cost, sharing the benefits of Membership Rewards points.
Spend $0 in 0 days
$0 first year annual fee, $195 thereafter
Craig
Craig's Take

Average ongoing earn rate. $200 cashback covers the $195 fee.

Read my analysis
$395 annual fee
OfferTargeted
100,000 American Express points
No additional cardholder fee for up to 4 family members.
Spend $4,000 in 90 days (~$1,333/mo)
Offer Expires 6 months ago (2025-12-02)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Excellent ongoing earn rate. $400 cashback covers the $395 fee.

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Image of MyCard Prestige Velocity credit card
Velocity points
$700 annual fee
Offer
150,000 Velocity points
$0 additional cardholder fee. Up to 4 additional cardholders permitted, who must be at least 16 years old.
Spend $12,000 in 90 days (~$4,000/mo)
Craig
Craig's Take

Tough spend — $133/day for 90 days. Average ongoing earn rate. High $700 fee — make sure you'll use the perks.

Est. profit $1,850
Read my analysis
Image of MyCard Premier Velocity credit card
Velocity points
$300 annual fee
Offer
110,000 Velocity points
$0 additional cardholder fee. Up to 4 additional cardholders permitted, who must be at least 16 years old.
Spend $8,000 in 90 days (~$2,667/mo)
Craig
Craig's Take

Moderate spend — $89/day for 90 days. Average ongoing earn rate. $72 cashback offsets the $300 fee.

Est. profit $1,642
Read my analysis
Image of MyCard Premier credit card
MyCard points
$300 annual fee
Offer
120,000 MyCard points
$0 additional cardholder fee. Up to 4 additional cardholders permitted, who must be at least 16 years old.
Spend $7,000 in 90 days (~$2,333/mo)
Craig
Craig's Take

Moderate spend — $78/day for 90 days. Average ongoing earn rate. $72 cashback offsets the $300 fee.

Read my analysis
Image of MyCard Premier Qantas credit card
Qantas points
$350 annual fee
Offer
70,000 Qantas points
$0 additional cardholder fee for up to 4 additional cardholders, who must be at least 16 years old.
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $770
Read my analysis
$420 annual fee
Offer
100,000 Qantas points
Additional cardholders can be added at no extra cost.
Spend $5,000 in 90 days (~$1,667/mo)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $250 cashback offsets the $420 fee.

Est. profit $1,430
Read my analysis
$420 annual fee
Existing customers onlyCan I become an existing customer?
Offer
100,000 Qantas points
Additional cardholders can be added at no extra cost.
Spend $5,000 in 90 days (~$1,667/mo)
$320 first year annual fee, $420 thereafter
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $250 cashback offsets the $420 fee.

Est. profit $1,530
Read my analysis
$749 annual fee
Offer
125,000 Qantas points
Up to 4 additional cardholders at $0 fee. Additional cardholders must be at least 16 years old.
Spend $10,000 in 90 days (~$3,333/mo)
Craig
Craig's Take

Tough spend — $111/day for 90 days. Average ongoing earn rate. $100 cashback offsets the $749 fee.

Est. profit $1,351
Read my analysis
Image of MyCard Prestige credit card
MyCard points
$700 annual fee
Offer
250,000 MyCard points
$0 additional cardholder fee. Up to 4 additional cardholders permitted, who must be at least 16 years old.
Spend $10,000 in 90 days (~$3,333/mo)
Craig
Craig's Take

Tough spend — $111/day for 90 days. Average ongoing earn rate. $100 cashback offsets the $700 fee.

Read my analysis
$295 annual fee
Offer
60,000 Qantas points
Additional cardholder can be added at no extra cost.
Spend $3,000 in 90 days (~$1,000/mo)
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate. $150 cashback offsets the $295 fee.

Est. profit $815
Read my analysis
$295 annual fee
Offer
100,000 Westpac points
Add 1 additional cardholder aged 16 or older at no extra cost.
Spend $12,000 in 365 days (~$986/mo)
$200 first year annual fee, $295 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$175 annual fee
Offer
75,000 Bank of Melbourne points
Complimentary additional cardholder card for a second cardholder aged 16 or over with no additional cardholder fee.
Spend $3,000 in 90 days (~$1,000/mo)
$99 first year annual fee, $175 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$0 annual fee
Offer
40,000 Commbank points
No additional cardholder fee to add supplementary cardholders to the account.
Spend $4,500 in 90 days (~$1,500/mo)
Craig
Craig's Take

Easy $50/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$175 annual fee
Offer
70,000 Qantas points
Add a second cardholder aged 16 or over for free, with all transactions charged to the primary account.
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Est. profit $870
Read my analysis
$295 annual fee
Offer
90,000 Qantas points
Add a second cardholder aged 16 or over for free, with all spend and points consolidated on the primary account.
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $1,070
Read my analysis
St.George Amplify points
$175 annual fee
Offer
75,000 St.George Amplify points
Complimentary additional cardholder card for persons aged 16 or over, with all spend and points on the primary account.
Spend $3,000 in 90 days (~$1,000/mo)
$99 first year annual fee, $175 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
100,000 St.George Amplify points
Add a second cardholder aged 16 or over for free, with all spend and points on the one account. Additional cardholders cannot redeem rewards.
Spend $12,000 in 365 days (~$986/mo)
$149 first year annual fee, $295 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$440 annual fee
Offer
50,000 Velocity points
Up to 4 Additional Cards for family or friends at no extra fee; points earned on Additional Cards credited to Primary Card Member's account.
Spend $5,000 in 90 days (~$1,667/mo)
Offer Expires a month ago (2026-04-30)
Craig
Craig's Take

Moderate spend — $56/day for 90 days. Excellent ongoing earn rate. $385 cashback offsets the $440 fee.

Est. profit $795
Read my analysis
$175 annual fee
Offer
70,000 Qantas points
One additional cardholder aged 16 years or older can be added at no extra cost.
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Est. profit $870
Read my analysis
$175 annual fee
Offer
75,000 Westpac points
Add 1 additional cardholder aged 16 years or older at no extra cost.
Spend $3,000 in 90 days (~$1,000/mo)
$49 first year annual fee, $175 thereafter
Craig
Craig's Take

Easy $33/day spend to hit the bonus. Average ongoing earn rate.

Read my analysis
$295 annual fee
Offer
90,000 Qantas points
Add 1 additional cardholder aged 16 years or older at no extra cost.
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $1,070
Read my analysis
$195 annual fee
Offer
70,000 Velocity points
Additional cardholder can be added at no extra cost on both NAB Rewards Platinum and Signature Cards.
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Average ongoing earn rate.

Est. profit $995
Read my analysis
$295 annual fee
Offer
90,000 Velocity points
One additional cardholder (16 years or older) can be added at no extra cost.
Spend $6,000 in 90 days (~$2,000/mo)
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $1,160
Read my analysis
$295 annual fee
Existing customers onlyCan I become an existing customer?
Offer
90,000 Velocity points
One additional cardholder (16 years or older) can be added at no extra cost.
Spend $6,000 in 90 days (~$2,000/mo)
$200 first year annual fee, $295 thereafter
Craig
Craig's Take

Moderate spend — $67/day for 90 days. Average ongoing earn rate.

Est. profit $1,255
Read my analysis
$175 annual fee
Offer
70,000 Velocity points
One additional cardholder (16 years or older) can be added at no extra cost.
Spend $4,000 in 90 days (~$1,333/mo)
Craig
Craig's Take

Easy $44/day spend to hit the bonus. Poor ongoing earn rate.

Est. profit $940
Read my analysis
Craig

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— Craig