Thumbnail icon for BankSA

BankSA No Annual Fee

Purchase rate
20.74% p.a.
Balance transfer rate
0% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)
Annual fees
$0
Interest free days on purchases
55

Mozo editorial review BankSA No Annual Fee

Last updated: 23 September 2019.

binocular icon
What's hot
  • No annual fee
  • 0% balance transfer for 12 months (1% Balance Transfer fee)
What's not
  • 20.74% purchase rate
Mozo snapshot

For credit card customers who want to make sure they always pay their bill on time, the BankSA No Annual Fee may be the perfect piece of plastic. The card comes with a bunch of great features, such as the 0% balance transfer offer for 12 months (1% BT fee), 3 free additional cardholders and up to 55 interest free days. Although, in return for the lack of annual fee, you’ll be holding a card with a 20.74% purchase rate.

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Key features

Arguably the most enticing aspect of the BankSA No Annual Fee credit card is that you won’t have to pay a fee just for having it in your wallet. The great thing about this is that if you make sure to pay off your spending each month before the purchase rate kicks in, you’ll effectively be able to use the card for free.

To make doing so super simple, you’ll have up to 55 interest free days each month to pay off your balance and avoid the 20.74% purchase rate.

The card offers a 0% balance transfer rate for the first 12 months, giving you some breathing room to pay off lingering debts from other cards in that first year. Be aware that any debt transferred onto BankSA No Annual Fee will come with a 1% balance transfer fee and after 12 months, the 0% balance transfer rate jumps to 21.49% for any balance leftover.

You’ll also have the option for 3 free additional cardholders, so you can share the account with your family for no additional cost.

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Who is it good for

If you're the kind of spender who pays your balance in full and on time each month, the BankSA No Annual fee credit card might be the right fit for you, because with no annual fee to worry about, you’ll be able to use the card basically for free.

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Any catches

Also, for those using the card to blast existing debt, make sure you have a plan to clear your balance within the 12 month 0% balance transfer period. After that, any leftover debt will attract interest at the high rate of 21.49%.

Details

Rates and fees information correct as at 4 June 2020 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 20.74% p.a.

  • none

  • 0% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)

  • yes

  • 21.49% p.a.

  • 55

Fees
  • $0.00

  • none

  • none

  • none

  • $15.00

  • 2%, Min $2.50

  • 3.00%

  • $2.00

  • $10.50

  • $0.00

Features
  • $10.00

  • 2.0

  • 3

  • none

Payment options

Apple Pay, Google Pay, PayID, Samsung Pay

Customer Reviews

How are BankSA credit cards rated by the Mozo community?

Overall customer rating
6.9/10
Price
6.2/10
Features
5.4/10
Customer service
6.8/10
Convenience
7.6/10
Trust
7.3/10

Latest reviews of BankSA No Annual Fee

  • Overall 10/10
    Great customer service.

    It's fast and easy to use online.

    Read full review

    It's fast and easy to use online.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Lachie, South Australia reviewed 4 months ago
  • Overall 10/10
    Competitive premiums and great customer service.

    Simply because they offer excellent service.

    Read full review

    Simply because they offer excellent service.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Allen, South Australia reviewed 6 months ago
  • Overall 4/10
    Pay cash

    Pay cash

    Read full review

    Pay cash

    Price
    2/10
    Features
    3/10
    Customer service
    5/10
    Convenience
    9/10
    Trust
    2/10
    Less
    Jo, South Australia reviewed over 4 years ago
  • Overall 10/10
    wont change

    Ask them any question

    Read full review

    Ask them any question

    Price
    4/10
    Features
    7/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Steven, South Australia reviewed almost 5 years ago
  • Overall 8/10
    The customer service are problem solvers

    I strongly like this bank because they are very trustworthy with my money and always help me through my depths for paying bills and loans. The service I experienced from this bank was very convincing and polite, but I was very nervous because I had never used banking online because I never trusted it till now. I hope that everybody who signs up for this bank is very happy and satisfied.

    Read full review

    I strongly like this bank because they are very trustworthy with my money and always help me through my depths for paying bills and loans. The service I experienced from this bank was very convincing and polite, but I was very nervous because I had never used banking online because I never trusted it till now. I hope that everybody who signs up for this bank is very happy and satisfied.

    Price
    8/10
    Features
    6/10
    Customer service
    9/10
    Convenience
    6/10
    Trust
    10/10
    Less
    Rangi, New South Wales reviewed about 5 years ago
BankSA

About BankSA

BankSA is the largest financial institution in South Australia, and boasts the largest network of branches and ATMs in the state. BankSA aims to help South Australians get the best from their money, and offers a wide range of bank accounts, home loans, personal loans, credit cards and other financial services.

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