This card has no annual fee. When you apply online, are approved. T&Cs apply.
0
annual fee
100
back on your statement
5
days interest free
18.99
interest after interest free period
Annual Fee: $0/ year
Card Members who currently hold or who have previously held any Card product issued by American Express Australia Limited in the preceding 18 month period are ineligible for this introductory bonus offer. Previous and existing bank-issued American Express companion cardholders are eligible for this offer.
We may receive a commission from the card issuer for each applicant of this card. You do not pay this amount. More about this in our credit guide.
See More No Annual Fee Credit Cards
See More No Annual Fee Credit Cards
These are the 5 no annual fee credit cards in Australia. They are perfect for beginners and people who want to pay $0 credit card annual fees. On this page we will go through the Kogan credit card, Qantas American Express Discovery card, the American Express Velocity Escape card and the Coles credit card.
Frequently asked questions
What is the American Express Essentials Card?
This card has no annual fee. You can Receive $100 back when you apply online, are approved, and spend $1,500 on your Card within the first 3 months. T&Cs apply. New Card Members only.
What are the fees and interest rates associated with the American Express Essentials Card?
While the American Express Essentials Card does not have an annual fee, there are other fees and interest rates associated with the card that you should be aware of.
The three most important things to know about fees and interest rates with the American Express Essentials Card are:
- Interest rates: The American Express Essentials Card has an interest rate of 16.99% p.a. on purchases
- Late payment fees: If you miss a payment or make a payment after the due date, you will be charged a late payment fee of up to $30.
- Foreign transaction fees: If you use your American Express Essentials Card to make purchases in a foreign currency, you will be charged a fee of 2.7% of the total transaction amount.
