There are now a few zero annual fee credit cards on the market in Australia, there really is no excuse to be paying for a credit card! Some such as the Qantas American Express Discovery Card even offer rewards points which is unusual for free cards! You can even get up to 7,500 bonus points in your first 3 months with the Qantas reward card.

The BankWest Zero Special Credit Card you can even get 9 months interest free on balance transfers! A very helpful deal for people wanting to consolidate their credit card debt and not add more to it!

Here's the list of cards that offer decent no annual fee deals:

Credit card 0 fee. HSBC Credit Card with 0 annual fee | HSBC Australia

The Qantas American Express Discovery Card | American Express Australia
Virgin No Annual Fee Credit Card | Virgin Credit Cards | Virgin Money

to see the most up to date offers head over here: Fee Free Credit Cards, best cards with no annual cost in Australia!