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.
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 (offer ends 9 February 2021). 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.
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.
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%.
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
$0.00
none
none
none
$15.00
2%, Min $2.50
3.00%
$2.00
$10.50
$0.00
$10.00
2.0
3
none
Apple Pay, Google Pay, PayID, Samsung Pay
It's fast and easy to use online.
Read full reviewIt's fast and easy to use online.
Simply because they offer excellent service.
Read full reviewSimply because they offer excellent service.
Pay cash
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Read full reviewAsk them any question
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 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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0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
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0% p.a. for 7 months then 19.74% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
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12.99% p.a.
0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)
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12.49% p.a.
0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)
$58 $0 in the first year
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19.99% p.a.
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$299 $199 in the first year
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0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
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20.74% p.a.
No current offer
$0
Qantas Frequent Flyer
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Qantas Frequent Flyer
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0.75 points uncapped
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Qantas Frequent Flyer
$200 $99 in the first year
60,000
0.5 points uncapped
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Qantas Frequent Flyer
$299 $199 in the first year
100,000
1 point up to $10,000/month, then
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Qantas Frequent Flyer
$160
30,000
0.75 points up to $2,500/month, then
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Qantas Frequent Flyer
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70,000
0.5 points uncapped
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Suncorp Rewards
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100,000
1.25 points uncapped
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Citi Rewards Program
$199 $99 in the first year
No current offer
1 point up to $10,000/month
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Amplify Platinum
Amplify Rewards
$99 $0 in the first year
No current offer
1 point uncapped
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Low Rate Credit Card
0% p.a. for 20 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
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Low Rate
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59
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Vertigo
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
0% p.a. for 7 months then 13.99% p.a.
$55 $0 in the first year
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0% p.a. for 18 months and then 20.24% p.a. (2.00% balance transfer fee)
20.24% p.a.
$30
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0% p.a. for 18 months and then 21.99% p.a. (1.00% balance transfer fee)
19.99% p.a.
$299 $199 in the first year
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0% p.a. for 20 months and then 21.74% p.a.
19.99% p.a.
$149 $0 in the first year
CUA Platinum Rewards
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0.90% p.a. for 15 months and then 22.24% p.a.
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$99
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Vertigo
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
0% p.a. for 7 months then 13.99% p.a.
$55 $0 in the first year
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Low Rate Credit Card
11.99% p.a.
0% p.a. for 20 months and then 21.74% p.a.
$49 $0 in the first year
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13.74% p.a.
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
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NAB
Low Rate Card
12.99% p.a.
0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)
$59
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Low Rate
12.49% p.a.
0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)
$58 $0 in the first year
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Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
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0.90% p.a. for 15 months then 14.99% p.a.
0.90% p.a. for 15 months and then 22.24% p.a.
$99
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0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
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Low Rate Credit Card
11.99% p.a.
0% p.a. for 20 months and then 21.74% p.a.
$49 $0 in the first year
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Low Rate
13.74% p.a.
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
Promoted
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)
$59
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ANZ
Low Rate
12.49% p.a.
0% p.a. for 25 months and then 20.24% p.a. (1.50% balance transfer fee)
$58 $0 in the first year
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19.99% p.a.
0% p.a. for 18 months and then 21.99% p.a. (1.00% balance transfer fee)
$299 $199 in the first year
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Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
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0.90% p.a. for 15 months then 14.99% p.a.
0.90% p.a. for 15 months and then 22.24% p.a.
$99
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17.99% p.a.
2.99% p.a. for 9 months and then 17.99% p.a.
$0
