Credit Cards with No Annual Fee

$0 annual fee
Existing customers onlyCan I become an existing customer?
Offer
100,000 BOQ points
No annual fee on a new Platinum Visa Credit Card while the cardholder has a home loan with BOQ. This offer is available only in branch and not in conjunction with other offers.
Spend $4,500 in 90 days (~$1,500/mo)
Craig
Craig's Take

Easy $50/day spend to hit the bonus. Excellent ongoing earn rate. No annual fee.

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$149 annual fee
Offer
100,000 BOQ points
No annual fee on a new Platinum Visa Credit Card while the cardholder has a home loan with BOQ. This offer is available only in branch and not in conjunction with other offers.
Spend $4,500 in 90 days (~$1,500/mo)
$75 first year annual fee, $149 thereafter
Craig
Craig's Take

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

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$195 annual fee
Offer
0 American Express points
$0 annual card fee in the first year (usually $195) for new Card Members who apply online and are approved
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.

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$199 annual fee
Offer
60,000 Qantas points
No credit card annual fee when the card is held as the optional eligible credit card in a Complete Home Loan Package (one card per customer); terms and conditions apply.
Spend $7,500 in 90 days (~$2,500/mo)
Craig
Craig's Take

Moderate spend — $83/day for 90 days. Average ongoing earn rate.

Est. profit $761
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$320 annual fee
Offer
80,000 Qantas points
No credit card annual fee when the Bankwest Qantas World Mastercard is held as an eligible card under the Complete Home Loan Package.
Spend $35,000 in 150 days (~$7,000/mo)
Craig
Craig's Take

Tough spend — $233/day for 150 days. Excellent ongoing earn rate.

Est. profit $960
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$295 annual fee
Offer
100,000 Westpac points
No annual Altitude Rewards Program fee. Reduced first year card fee of $200 (or $99 for existing Westpac customers) for Altitude Rewards Black card, reverting to $295 thereafter.
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.

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$0 annual fee
Offer
0 Commbank points
No monthly fee ($35 otherwise) in any statement period where at least $4,000 is spent on the card; spend includes purchases and cash advances minus refunds
Spend $9,000 in 90 days (~$3,000/mo)
Craig
Craig's Take

Moderate spend — $100/day for 90 days. Average ongoing earn rate.

Read my analysis
Craig

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— Craig