BankSA offer a range of different credit card packages, so no matter whether you're a rewards junkie or a sensible low rate spender, you’re sure to find a piece of plastic to suit your needs. Check out all the options on offer from BankSA below.
Rates and fees verified as correct at 24 September, 2017. Other information correct at the time of writing.
On the other hand, if you tend to let your credit card balance roll over till the next month, you might be better off with a low rate card, to minimise the damage interest is doing to your savings account. Check out the low rate credit cards on offer from BankSA below.
| Product | Purchase rate | Balance transfer rate | Annual fees | Interest free days |
|---|---|---|---|---|
| 13.24% p.a. | 0% p.a. for 18 months and then 21.49% p.a. (2.00% balance transfer fee) | $55 | 55 | |
| 12.74% p.a. | 0% p.a. for 24 months and then 21.49% p.a. (2.00% balance transfer fee) | $99 $0 in the first 1 year | 55 |
If you consistently pay your credit card bill on time you’re probably saving a bundle in interest. So don’t let that go to waste by paying high annual fees - instead, opt for a no fee credit card option from BankSA. Great for the savvy credit card user, your dollars won’t go astray with this piece of plastic.
| Product | Purchase rate | Balance transfer rate | Annual fees | Interest free days |
|---|---|---|---|---|
| 20.49% p.a. | 0% p.a. for 12 months and then 20.49% p.a. (2.00% balance transfer fee) | $0 | 55 | |
| 13.24% p.a. | 0% p.a. for 18 months and then 21.49% p.a. (2.00% balance transfer fee) | $55 | 55 |
Want to be rewarded for your spending? Then add a BankSA rewards credit card to your wallet. Not only can you redeem points in return for a bunch of cool stuff, but if you opt for a premium rewards card, you can also cash in on extra features like your own personal concierge. Just remember that these cards come with higher rates and fees in return for all those perks.
| Product | Points per dollar | Purchase rate | Balance transfer rate | Annual fees |
|---|---|---|---|---|
| 1 point per dollar on Visa, uncapped | 19.49% p.a. | 0% p.a. for 18 months and then 20.24% p.a. (2.00% balance transfer fee) | $79 | |
| 0.5 points per dollar on Visa, uncapped | 19.49% p.a. | 0% p.a. for 18 months and then 20.24% p.a. (2.00% balance transfer fee) | $79 | |
| 1 point per dollar on Visa, uncapped | 19.49% p.a. | 0% p.a. for 12 months and then 19.49% p.a. | $99 | |
| 0.5 points per dollar on Visa, uncapped | 19.49% p.a. | 0% p.a. for 12 months and then 19.49% p.a. | $99 | |
| 1.5 points per dollar on Visa, uncapped | 19.49% p.a. | 0% p.a. for 12 months and then 19.49% p.a. | $279 | |
| 0.75 points per dollar on Visa, uncapped | 19.49% p.a. | 0% p.a. for 12 months and then 19.49% p.a. | $279 |
Looking for a premium credit card without the premium price tag? BankSA has got you covered. Although you could opt for the pricier premium rewards cards, if you’re not concerned about earning freebies with your spending, but you do want perks like complimentary insurance, you can save a bundle by opting for the less rewards heavy platinum offering from BankSA. Check it out below.
| Product | Points per dollar | Purchase rate | Balance transfer rate | Annual fees |
|---|---|---|---|---|
| 1 point per dollar on Visa, uncapped | 19.49% p.a. | 0% p.a. for 12 months and then 19.49% p.a. | $99 | |
| 0.5 points per dollar on Visa, uncapped | 19.49% p.a. | 0% p.a. for 12 months and then 19.49% p.a. | $99 | |
| 1.5 points per dollar on Visa, uncapped | 19.49% p.a. | 0% p.a. for 12 months and then 19.49% p.a. | $279 | |
| 0.75 points per dollar on Visa, uncapped | 19.49% p.a. | 0% p.a. for 12 months and then 19.49% p.a. | $279 | |
|
| 12.74% p.a. | 0% p.a. for 24 months and then 21.49% p.a. (2.00% balance transfer fee) | $99 $0 in the first 1 year |
Just know that all your rewards points are going to wind up redeemed for flights? Then why not streamline the process and bag on of BankSA’s Qantas cards, so your points will be automatically credited to your frequent flyer account? And with a choice of classic, platinum or signature, there’s a card to fit every budget.
| Product | Points per dollar | Purchase rate | Balance transfer rate | Annual fees |
|---|---|---|---|---|
| 0.5 points per dollar on Visa, uncapped | 19.49% p.a. | 0% p.a. for 18 months and then 20.24% p.a. (2.00% balance transfer fee) | $79 | |
| 0.5 points per dollar on Visa, uncapped | 19.49% p.a. | 0% p.a. for 12 months and then 19.49% p.a. | $99 | |
| 0.75 points per dollar on Visa, uncapped | 19.49% p.a. | 0% p.a. for 12 months and then 19.49% p.a. | $279 |
Mozo users have rated BankSA credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.
* Overall rating based on reviews in the past 12 months.
Great service, except when visiting the branch the wait is too long.
Great service, except when visiting the branch the wait is too long.
Judith (SA), reviewed over 1 year ago
The interest rates on credit cards are too high.
The interest rates on credit cards are too high.
Megan (SA), reviewed over 1 year ago
Very helpful especially when there is a breach on the card. They follow up and keep you informed as to their investigation and result. I found the staff had high people skills and made me feel comfortable talking to them.
Very helpful especially when there is a breach on the card. They follow up and keep you informed as to their investigation and result. I found the staff had high people skills and made me feel comfortable talking to them.
Heather (SA), reviewed over 1 year ago
Been with them for years so they are good although my pay always goes in later!
Been with them for years so they are good although my pay always goes in later!
Caitlin (SA), reviewed over 1 year ago
Terri (VIC), reviewed over 1 year ago
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† Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.
You can apply for a BankSA credit card either online, over the phone or in a branch, as long as you’re 18 or older and a permanent Australian resident. Here are a few things you’ll need when applying for your new piece of plastic.
Check out our guide on applying for a credit card.
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