No Annual Fee
Credit Cards

No annual fee doesn't mean no benefits. Find out if a no annual fee Credit Card is for you.


Why choose a no annual fee Credit Card?

With access to great Card Member only benefits such as American Express Experiences, a no annual fee Card provides both convenience and value.


Earn points on everyday spending

Membership Rewards points
Imagine tapping your Card at the check-out and earning Membership Rewards points on your everyday spending, just like that. Well, that’s how easy it is with a no annual fee Credit Card. You can redeem points for your choice of rewards including Gift Cards with major shopping, travel or entertainment retailers, sought-after entertainment and experiences, the latest fashion1 or even a credit on your Account2. You can even transfer Membership Rewards points directly to a participating airline rewards partner program including Singapore Airlines.3

To find out more ways you can use your Membership Rewards points, visit the Membership Rewards Catalogue. Full options available for your Card can only be seen once logged-in with your Account.


Frequent Flyer points
What’s more, with our eligible Qantas Credit Cards and Velocity Credit Cards, you can earn Velocity and Qantas Frequent Flyer Points directly on almost all purchases you make.


Great benefits with $0 annual fee

  • Up to four Additional Cards at no extra cost4.
  • Global Card support and 24/7 customer service.
  • Online Fraud Protection Guarantee5.
  • Refer a friend, and you could both earn Bonus Points6.
  • Emergency Card replacement7.



Our no annual fee Credit Cards

Earn Membership Rewards® points on your everday spend8

Smartphone Screen Cover, covering up to $500 for repairs if you break your screen when you pay for your phone outright or monthly bill with your American Express Essential Credit Card.

A 10% excess applies to the claimed amount.9

Card Purchase Cover and Card Refund Cover10

Enjoy no cap on the amount of Qantas Points you can earn, plus we'll transfer your points straight to your Qantas Frequent Flyer account each month.

Card Purchase Cover and Card Refund Cover10




Enjoy no cap on the amount of Velocity Points you can earn, no spend cap on your earn rate, plus we’ll transfer your points straight to your Velocity Account each month.




Card Purchase Cover and Card Refund Cover10




American Express Low Rate Credit Card, winner of the 2023
‘No Annual Fee Credit Card’ Award, Finder

Live life to the fullest with American Express Membership

As an American Express Card Member, you get to enjoy travel benefits that take you further, points that are more rewarding and services that open more doors around the world.

What do you want from a Card?

Everyone’s different, so you need a Card that has benefits that best suit your lifestyle.
Choose the Card with benefits that best suit you.


Earn Membership
Rewards points from
everyday spending

Frequent Flyer

Maximise rewards
for every trip


Enjoy premium
benefits and service

No Annual Fee

Save more with no
annual fee



From money-saving ideas to travel inspiration and daily life tips, get inspired to do great things and make your life more rewarding.