Many banks offer a no fee on their credit cards. For example, banks such as Natwest, RBS and Halifax all currently offer a no fee Balance transfer on their credit cards.
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There are many banks now offering credit cards with no annual fee, this increases uptake of the cards and therefore increases the banks profits with the interest charged. Examples of no annual fee card providers are,Sainsburys, American Express (for the first 12 months), Chase and HSBC. However, the list is not exhaustive and many others can be found with a little searching.
The annual fee of a credit card is a charge applied once yearly. This charge is the cost of having the credit card. There are many credit cards available that do not charge a fee. The credit cards that do charge a fee often offer rewards, like travel.
There are many different cards that do not charge an annual fee. Usually an annual fee is related to a rewards type of credit card, but companies such as MasterCard and Visa also offer no annual fee cards.
Most credit card companies offer no annual fee credit card to newcomers. Those cards are often thrift less and offer no rewards or have higher interest rates to compensate.
Yes, some banks offer gift cards with no purchase fee. It's best to check with individual banks for specific details and availability.