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No Annual Fee Credit Cards

Most issuers charge annual membership or participation fees. They often range from $0 to $50, sometimes up to $100; "gold" or "platinum" cards often charge up to $75 and sometimes up to several hundred dollars.
Transaction Fees and Other Charges. A card may include other costs. Some issuers charge a fee if you use the card to get a cash advance, make a late payment, or exceed your credit limit. Some charge a monthly fee whether or not you use the card

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Virgin No Annual Fee Credit Card:
Purchase Interest Rate:	16.95% p.a
Cash Advance Rate:	20.99% p.a
Interest Free Days:	Up to 44 days
Balance Transfer:	2.9% for 6 months
Annual Fee:	$0
Credit Limit:	$20,000

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American Express Gold Ascent Credit Card:
Purchase Interest Rate:	19.99% p.a
Cash Advance Rate:	19.99% p.a
Interest Free Days:	Up to 44 days
Balance Transfer:	N/A
Annual Fee:	Nil
Frequent Flyer Points	Access hundreds of destinations with 6 Airline Reward Programs

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ANZ First Credit Card:
Purchase Interest Rate:	18.99% p.a
Cash Advance Rate:	20.74% p.a
Interest Free Days:	Up to 44 days
Balance Transfer:	7.99% p.a for 6 months
Annual Fee:	1st year free then $30.00
Credit Limit:	$15,000