Low-Fee Credit Cards in Australia: Top Picks for Everyday Use

Credit cards don’t have to be expensive. In 2025, Australians can still access low-fee cards that provide convenience, security, and even rewards. Here’s how to pick the best one without paying high annual fees.

Low-fee cards help you manage everyday spending without unnecessary costs.

Why consider low-fee credit cards?

Most premium cards in Australia come with annual fees of $250–$450. If you only use a card for everyday transactions and want interest-free periods, a low-fee option keeps costs down while maintaining access to credit and perks.

Top low-fee credit cards in Australia 2025

Card	Annual Fee	Interest Rate (p.a.)	Key Features
Bank A Low-Fee Card	$0 for first year, $29 ongoing	19.74%	Up to 55 interest-free days, mobile wallet support
Bank B Everyday Card	$39	18.99%	Basic rewards points, no foreign transaction fee
Bank C Digital Saver Card	$25	20.24%	Instant digital card, spend alerts, Visa/Mastercard perks

Tip: Always check current rates and conditions, as banks adjust offers frequently.

Compare cards side by side before applying.

Pros and cons of low-fee cards

• Pros: Lower annual costs, simple features, useful for budgeting.
• Cons: Fewer rewards, limited perks, higher standard purchase rates if you carry a balance.

Who should use a low-fee credit card?

These cards suit Australians who pay balances in full each month, want convenience, and dislike high fees. They’re not ideal for heavy rewards chasers or those who carry balances regularly.

Contactless and mobile wallet payments are standard, even on low-fee cards.

FAQs

Do low-fee cards still offer rewards?

Some do, but rewards are usually limited. Focus on cost savings rather than high-value points.

Is it better to cancel a high-fee card?

If you don’t use the benefits enough to cover the fee, switching to a low-fee card may make sense.

Do these cards impact my credit score?

Yes, like any credit product, but using them responsibly (paying on time, low utilization) helps your score long term.

Next steps

1. List your average monthly card spend. 2. Compare at least three low-fee options. 3. Ensure your card supports mobile wallets and international use. 4. Apply only once to protect your credit score.

Compare credit card offers (Australia)

Disclosure: This article is for information only, not financial advice. Check with banks directly before applying. Affiliate links may earn commissions at no cost to you.

Updated: 15 August 2025 • Location focus: Australia