No Annual Fee Credit Card
No annual fees. No stress. Just smart spending. Enjoy a $0 annual fee credit card and rewards that fit your lifestyle.{sub-heading}
No Annual Fee Credit Card lowdown{font-dark}
A breakdown of our No Annual Fee Credit Card’s perks, rates, fees and limits.{sub-heading}
Please see the Product Disclosure Statement (PDS) for full details of limits, and Forms and important information pages for our No Annual Fee Credit Card.
No Annual Fee features
No annual fee, no worries
$0 annual fee, no hidden costs – just smart spending.
Instalment Plans
With Instalment Plans, turn big purchases into manageable monthly repayments at a lower interest rate over a set term.24
Frequently asked questions
What is an annual fee on a credit card?
What is the interest charged on credit cards?
How does interest work?
When an amount is charged to your Account, it’s the same as us lending you that amount. And like a loan, we will charge your Account with interest, unless the amount is a part of the Retail Purchase Balance and an interest free period applies.
How you incur interest on each transaction depends on the type of transaction. The interest rate or Annual Percentage Rate for Cash Advances, for example, is typically higher than the Annual Percentage Rate for Retail Purchases.
How does the interest free period work?
You'll enjoy interest-free days on all purchases, provided you repay the full balance on your card each month, excluding any Instalment Plan balances or Balance Transfers which aren't due for payment by that payment due date.
Interest free periods also don't apply to Cash Withdrawals and you will incur interest from the date the transaction is made (regardless of whether the Account is repaid in full each month).
Learn more about Credit Cards.
No annual fees are just the beginning. Learn how to make the most of a credit card with resources from our blog.