Choosing a Low Fee Credit Card Today's low interest fee credit cards

Choosing a Low Fee Credit Card

Today's low interest fee credit cards

• Low annual fees under $50 p.a.
• Better suited for low use
• Convenience of a credit card with low obligation

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	Card		Rewards Points	Annual Fee	Interest Rate	Balance Transfer
		Westpac 55 Day Credit Card MV Balance Transfer & No Annual Fee First Year		$30 Current Deal	0% for 5 months then 19.59%	0.99%for 9 months	Go to site
		American Express Gold Ascent Credit Card A 0% Purchase Rate for 6 Months	0.5	$0 Current Deal	0% for 6 months then 20.74%	-	Go to site
		Bankwest Zero Gold MasterCard Credit Card M		$0	5.99% for 9 months then 16.99%	5.99%for 9 months	Go to site
		Bankwest Zero MasterCard Credit Card M		$0	5.99% for 9 months then 16.99%	5.99%for 9 months	Go to site
		Bankwest Zero Platinum MasterCard Credit Card M		$0	5.99% for 9 months then 16.99%	5.99%for 9 months	Go to site
		Citibank Ready Credit V		$0	9.9% for 15 months then 18.99%	9.9%for 15 months	Go to site
		American Express Qantas American Express Discovery Credit Card AQantas Frequent Flyer Direct Earn 10,000 Bonus QFF Points	1	$0 Current Deal	20.74%	-	Go to site
		Virgin Money Virgin No Annual Fee Credit Card V		$0	18.99%	2.9%for 6 months	Go to site
		Commonwealth Bank Low Fee Credit Card M		$24	20.24%	5.99%for 5 months	Go to site
		Westpac 55 Day Credit Card MV Balance Transfer & No Annual Fee First Year		$30 Current Deal	0% for 5 months then 19.59%	0.99%for 9 months	Go to site
		ANZ First Visa Credit Card V $0 Annual Fee First Year + 7.99% Balance Transfers		$30 Save $30	19.24%	7.99%for 6 months	Go to site
		Westpac Low Rate Credit Card MV 0.99% Balance Transfer for 9 Months		$45 Current Deal	13.49%	0.99%for 9 months	Go to site
		Aussie MasterCard Credit Card M		$49	9.99% for 12 months then 13.29%	2.99%for 12 months	Go to site

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Low Fee Credit Cards

There’s nothing too complicated about a low fee card – it is exactly that, a credit card with little or in some cases, no ongoing annual fees. If you won’t be spending regularly or excessively on your credit card, a low fee credit card might be helpful in providing the convenience of a credit card with a low annual fee.
Low fee cards might as well be called low use credit cards as low fee credit cards tend to have higher interest rates for purchases than rewards credit cards so it is best to pay the outstanding balance in full each month if possible. If paying your balance in full each month an option for you, your other option would be a low interest rate credit card which would mean that when you don’t pay your balance, you are being charged a low rate of interest.
Low fee credit cards can also have higher rates for cash advances or include other fees you might not have anticipated upfront such as late payment fees. As with any credit product, be sure to read all the small print carefully.
Low fee credit cards with tend not to have the rewards or perks associated with many other credit cards. If you use your credit card to make travel purchases or pay for restaurant bills, a credit card with more reward opportunities (but also higher annual fees) may be more beneficial over time. Take some time to think about your spending trends before simply opting only for the credit card with the lowest fees.

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• Under $50 Annual Fee Credit Cards
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Disclaimer:
WhistleOut is not suggesting that you apply for a particular credit card provided by any of the following credit providers, nor are we trying to assist you to apply for a credit card from any of the following providers. We recommend that you seek professional advice before acting upon any information provided on this web site.
WhistleOut may receive a commission from some credit card providers.

 

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