Best credit cards under $100 annual fee
6 cards with annual fees between $1 and $100, ranked by signup bonus.
1.
1. BOQ Platinum Visa Credit CardTemporarily Unavailable
BOQ points
$75 annual fee
Offer
100,000 BOQ points after meeting spend requirements
Spend $4,500 in 90 days
2.
2. St.George Amplify Rewards Signature (Existing customers, through log in)
St.George Amplify points
$99 annual fee
Existing customers onlyCan I become an existing customer?
Offer
100,000 St.George Amplify points after meeting spend requirements
Spend $12,000 in 365 days
3.
3. Westpac Altitude Rewards Platinum (existing customers)
Westpac points
$49 annual fee
Offer
75,000 Westpac points after meeting spend requirements
Spend $3,000 in 90 days
4.
4. Bank of Melbourne Amplify Rewards Platinum
Bank of Melbourne points
$99 annual fee
Offer
75,000 Bank of Melbourne points after meeting spend requirements
Spend $3,000 in 90 days
5.
5. St.George Amplify Rewards Platinum
St.George Amplify points
$99 annual fee
Offer
75,000 St.George Amplify points after meeting spend requirements
Spend $3,000 in 90 days
6.
6. Macquarie RateSaver CardTemporarily Unavailable
$69 annual fee
Offer
0 Macquarie points after meeting spend requirements
Spend $0 in 0 days
Why consider a low annual fee credit card?
Cards with annual fees under $100 often offer better signup bonuses and earn rates than free cards, while costing a fraction of premium cards ($200-$700). The maths usually works out: a $49 fee card with a 100,000 point bonus beats a free card with 20,000 points.
How the rankings work
Cards are sorted by signup bonus points. Compare the bonus against the annual fee to find the best first-year value. Check each card's detail page for a full profit breakdown including gift card and flight redemption values.
