Cards with no annual fee — permanently or in the first year. Compared and updated as at October 2026.
The 28 Degrees Platinum charges $0 annual fee forever. Several premium cards — including the Velocity Platinum, ANZ Explorer, Business Explorer and Westpac Platinum Cashback — also waive the first-year fee, making them effectively free to trial.
Use our comparison calculator to see which of these delivers the most value for your spending, or browse all 12+ cards.
Latitude • No Fee Travel
The gold standard for international travellers. Zero annual fee forever and zero foreign transaction fees saves 3% on every overseas purchase. Essential for frequent travellers.
Commonwealth Bank • No Interest
Commonwealth Bank's no-interest card: instead of interest, a simple fixed monthly fee applies when you carry a balance or use the card.
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