What do you dread the most about credit cards? High annual fees can certainly be a downer. After all, you can usually avoid paying any interest if you pay off your balance each month during your interest free days, but annual fees get charged to your account regardless of whether or not you normally keep a balance.

That’s why we’re highlighting our top five picks for low fee (or no fee) credit card offers. These credit cards let you use more of your credit limit how you really want to instead of tacking on high annual fees that can disrupt your normal spending and repayment habits.

Here are five of the best low annual fee, and no annual fee, credit card offers currently available:

1. Bankwest Zero Platinum Credit Card

Let’s forget about low annual fees for a minute and kick things off with a zero annual fee credit card — the BankWest Zero Platinum card! BankWest does more than give you annual fee-free spending though. They also offer an incredibly low 4.99% interest rate for nine months not just on balance transfers but also on purchases. With added perks like a 24/7 concierge service, airline travel and accident insurance, and extended warranties, the Bankwest Zero Platinum card is one of the best all-around no annual fee cards available.

2. American Express Blue Sky Credit Card

A no annual fee frequent flyer card — could it possibly be true? It is! American Express beats out the competition with their Blue Sky credit card, where many other rewards and frequent flyer cards come with high annual fees to cover rewards programme membership. It does have a high interest rate of 19.99%, but with points that don’t expire and that aren’t capped you can make the American Express Blue Sky credit card more than worth your while.

3. Woolworths Everyday Money MasterCard

The Woolworths Everyday Money credit card lets you earn cash back at rates as high as three rewards points per dollar spent on your everyday purchases like groceries. As if the low annual fee of $49 wasn’t good enough for a rewards card, they’ll even waive the fee completely during your first year as a cardholder!

4. St. George Vertigo Credit Card

Low annual fees plus low interest rates — they’re a match made in heaven, and a match you’ll find with the St. George Vertigo credit card. In addition to the low $55 annual fee you’ll also get a low interest rate on purchases of just 11.24%. Want to transfer a balance? This credit card has a great deal for that too — just 2.99% on balance transfers for up to six months.

5. ANZ Low Rate MasterCard

The ANZ Low Rate MasterCard offers a similar deal to that of the St. George Vertigo credit card. In this case you’ll pay a $58 annual fee and get a slightly higher interest rate of 12.24%. While the annual fee might be slightly higher, the balance transfer rate is even better if that’s what you’re looking for in a low fee credit card — 0% interest for up to six months!

Visit the links above to explore further details about our top five low annual fee credit card offers, and apply online directly on our site if you find the perfect card for you!

Disclaimer: Terms and conditions may apply to all credit card offers mentioned in this article. Please review the full terms from each credit card company before applying for more details and the most up-to-date information. The Top Five Low Fee Credit Card Offers list above was heavily researched but is still just the opinion of the writer. Some other people may feel that other cards may be better than the ones above. For a more complete range of No Annual Fee Credit Card click here.