Purchase rate
0% p.a. for 12 months then 20.74% p.a.
Balance transfer rate
No current offer
Annual fees
Interest free days on purchases
Go to site

Mozo editorial review BankSA No Annual Fee - last updated: 10 December 2021

binocular icon
What's hot
  • No annual card fee
  • 0% annual purchase interest rate for 12 months
  • Up to 55 interest free days
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% annual purchase rate offer for 12 months, 3 free additional cardholders and up to 55 interest free days. Although, after the first 12 months the interest rate will increase to 20.74%.

key icon
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. Speaking of which, the card does come with a 0% interest rate on purchases for the first 12 months (offer ends 24 February 2022). Just keep in mind that there is a cash advance rate of 21.49%.

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

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 card fee to worry about, you’ll be able to use the card basically for free.

question icon
Any catches

After the first 12 months the annual purchase rate will increase to 20.74%. The cash advance interest rate is also 21.49%.


Rates and fees information correct as at 21 January 2022 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.

20.74% p.a.

0% p.a. for 12 months

No current offer


21.49% p.a.


















Payment options

Apple Pay, Google Pay, PayID, Samsung Pay

Customer Reviews

How are BankSA credit cards rated by the Mozo community?

Customer service

Latest reviews of BankSA No Annual Fee Credit Card

About BankSA