No Annual Fee Cards

[1] Virgin Money No Annual Fee Credit Card
More Info	- Choosing one of the six fetching colours before they run out is just the beginning (6 great colours to choose from) - No Annual Fee. Ever. - 2.9% p.a. for first 6 months (20.99% p.a. thereafter) on balance transfers - Access to all the great Virgin family offers - Enjoy up to 44 Interest free days
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed 2.9%* 6 months on BT* 18.99%* $0.00* 44 days* Good*

[2] ANZ Platinum Credit Card
More Info	- 0% p.a. on purchases and balances transferred for the first 6 months. Apply by 13 March 2012 - $0 Annual Fee for the first year, a saving of $87 - $0 Annual Fee in following years if annual spend exceeds $20,0001 (average monthly spend of $1,667) - Up to 55 days interest free credit on purchases - Standard interest rate of 19.24% p.a. on purchases - Platinum Concierge - Add up to 9 additional card holders to your account
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed 0%* 6 months* 19.24%* $0.00* up to 55 days* Excellent*

[3] HSBC Platinum Credit Card
More Info	- 0% p.a. balance transfer for 6 months1 from non-HSBC credit and store cards (a 2% handling fee will apply) - No annual fee for the first year (a saving of $129) - Visa Platinum Concierge Service - Visa Platinum Airport Service - Earn Rewards Points on every dollar you spend on purchases and choose your own rewards from travel to shopping to charity donations - Comprehensive insurance package including International Travel Insurance, Extended Warranty insurance and Purchase Protection Insurance - Priority 24-hour customer service - Up to 55 days interest-free period4 when you pay the full balance by the due date
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed 0%* 6 months on BT* 19.99%* $0.00* up to 55 days* Excellent*

[4] AMEX Qantas Discovery Credit Card
More Info	- No annual fee - 1 Qantas Frequent Flyer point3 per $1 of eligible spend on purchases - 10,000 extra Qantas Frequent Flyer points - Redeem points for Award flights with Qantas or any of their 27 partner airlines - Uncapped number of Qantas Frequent Flyer points you can earn - Global card support
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* 20.74%* $0.00* up to 44 days* Good*

[5] HSBC Credit Card
More Info	- $0 Annual Fee for the life of the Credit Card - 0%p.a. Balance transfer for the first 6 months when you transfer balances from non-HSBC credit and store cards (a 2% handling fee will apply) - Winner of Money Magazine's 2010 'Best Transactor Credit Card' Low interest rate of just 17.99% p.a 3 on purchases - Up to 55 days interest-free on purchases4 when you pay the full balance by the due date - Access to offers, discounts and benefits worldwide with HSBC's home&Away Privilege Program
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed 0%* 6 months on BT* 17.99%* $0.00* up to 55 days* Good*

[6] AMEX Gold Ascent Credit Card
More Info	- $0 Annual Card Fee - $2 spent = 1 Membership Rewards point - 24/7 online account access with paperless statements - Online fraud protection guarantee - $0 Supplementary Card fee - Up to 44 interest-free days - Membership Rewards Ascent allows you to choose from travel or a wide range of merchandise
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* 20.74%* $0.00* 44 days* Good*

[7] Business Vantage Visa Credit Card
More Info	- Flexible expense reporting - BAS friendly - easy to calculate the GST - $0 annual fee when you combine with a Business Banking transaction account as part of a Business Owners Transaction Package^ - 55 days interest free on purchases is available on accounts that are paid in full by the due date. The interest free period does not apply to cash advances or any purchases while an amount that has been debited as a result of a balance transfer remains unpaid. - Comes with Business Cheque Account Plus
Intro APR Intro APR Period Regular APR Annual Fee Grace Period Credit Needed N/A* N/A* 17.15%* $0.00* 55 days* Good*

* While we do our best to give you the most up-to-date information, data on the cards we can offer you is constantly changing, and thus we must provide it sans warranty. Accordingly, you should be sure to always review the terms and conditions of the online application regarding restrictions, limitation, and exclusions. Similarly, peruse the Guide to Benefits upon approval.

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