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No annual fee credit cards are generally only good value for a very small section of credit card users. If you rarely use your credit cards at all, then no annual fee credit cards can save you money.
If you only use your credit card a few times a year and repay it immediately, then a no annual fee credit card is perfect for you. No annual fee credit cards are perfect as an emergency only card.
| Compare Credit Cards | Balance Transfer Rate | Interest Rate | Cash Advance Rate | Annual Fee | Highlights / Rewards | Secure Application | ||
|---|---|---|---|---|---|---|---|---|
 |  | HSBC Credit Card | 0% 6 months | 16.99% | 20.75% | $0 | Apply Online for the 195Compare No Annual Fee Credit Cards Credit Card More Information | |
 |  | Woolworths Everyday Money Credit Card | 5.99% 6 months | 19.49% | 20.99% | $0 for first year, $49 thereafter | Woolworths Everyday Money Credit Card Details | |
 |  | ANZ First Visa Credit Card | 7.99% 6 months | 18.99% | 20.74% | $0 for the first year, $30 there after | Apply Online for the 27Compare No Annual Fee Credit Cards Credit Card More Information | |
 |  | Commonwealth Bank Low Fee Card | 5.99% 5 months | 19.99% | 21.49% | $0 if you spend min of $1000 each year | Commonwealth Bank Low Fee Card Details | |
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