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%.
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 30 November 2021). 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.
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.
After the first 12 months the annual purchase rate will increase to 20.74%. The cash advance interest rate is also 21.49%.
| 20.74% p.a. | |
| 0% p.a. for 12 months | |
| 2.99% p.a. for 15 months and then 21.49% p.a. | |
| yes | |
| 21.49% p.a. | |
| 55 |
| $0.00 | |
| none | |
| none | |
| none | |
| $15.00 | |
| 2%, Min $2.50 | |
| 3.00% | |
| $0.00 | |
| $10.50 | |
| $0.00 |
| $10.00 | |
| 2.0 | |
| 3 | |
| none |
Apple Pay, Google Pay, PayID, Samsung Pay
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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 reviewI 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.
BankSA
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13.99% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$55 $0 in the first year
BankSA
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19.74% p.a.
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
$99
BankSA
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19.74% p.a.
0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)
$279
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0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
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Great Southern Bank
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11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
PayPal
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20.99% p.a.
0% p.a. for 20 months and then 20.99% p.a.
$0
PayPal Rewards
Kogan Money
Black Card
20.99% p.a.
0% p.a. for 12 months and then 21.74% p.a.
$0
Kogan Rewards Points
St.George
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13.99% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$55 $0 in the first year
NAB
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12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
NAB
Qantas Rewards Signature Card
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$395 $295 in the first year
110,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
American Express
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Velocity Frequent Flyer
$375
120,000
1.25 points uncapped
American Express
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
Kogan Money
Black Card
0% p.a. for 12 months and then 21.74% p.a.
20.99% p.a.
$0
Kogan Rewards Points
Great Southern Bank
Low Rate Credit Card
0% p.a. for 25 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
0% p.a. for 12 months then 11.99% p.a.
$45
PayPal
Rewards Card
0% p.a. for 20 months and then 20.99% p.a.
20.99% p.a.
$0
PayPal Rewards
Westpac
Low Rate
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59 $0 in the first year
humm90
Mastercard
0% p.a. for 36 months and then 25.99% p.a. (0% balance transfer fee)
23.99% p.a.
$99
HSBC
Platinum Credit Card
0% p.a. for 36 months and then 21.99% p.a.
19.99% p.a.
$129 $29 in the first year
Rewards Plus
NAB
Low Rate Card
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
12.99% p.a.
$59 $0 in the first year
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months then 11.99% p.a.
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
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St.George
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0% p.a. for 12 months then 20.74% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$0
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
