In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
Finder makes money from featured partners, but editorial opinions are our own.

BankSA No Annual Fee Card

  • Avatar
BankSA No Annual Fee
Terms and conditions apply
Purchase rate
20.74% p.a.
Annual fee
$0 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

Offers an ongoing $0 annual fee with a 20.74% p.a. purchase rate.

The BankSA No Annual Fee credit card has an ongoing $0 annual fee which can help you cut credit card costs.

Pros

  • $0 annual fee for the life of the card
  • Request up to 3 additional cardholders at no extra cost
  • Shopping cashbacks through ShopBack
  • Compatible with Apple Pay, Samsung Pay and Google Pay

Cons

  • Relatively high purchase interest rate of 20.74% p.a.
  • The interest rate of 21.49% p.a. on cash advances is also high

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The BankSA No Annual Fee Card is a no-frills Visa card suited to people who want to save on credit card costs with a $0 annual fee. Plus, you can apply for credit limits starting from $500 up to $40,000.

Details

Product details

Product Name BankSA No Annual Fee
Balance transfer limit 80% of available limit
Purchase rate p.a.
Purchase rate p.a.
20.74%
Interest-free period
Up to 55 days on purchases
Cash advance rate p.a. 21.49%
Min credit limit $500
Max credit limit $40,000
Card type Visa

Eligibility

Available to temporary residents Yes - Conditions apply
Joint application No

Rewards

Bonus points N/A

Fees

Annual fee
Annual fee
$0
Minimum monthly repayment 2% of the closing balance or $10, whichever is greater
Late payment fee $15
Foreign currency conversion fee
Foreign currency conversion fee
3%
Cash advance fee 3%
Overseas cash advance fee 3% of each cash advance amount
Additional cardholder fee $0
Number of additional cardholders 3

How to apply

You can apply for the BankSA No Annual Fee credit card online in 10 minutes and receive a response instantly. Before you get started, check if you meet the eligibility criteria and have the necessary documents to complete the application:

Eligibility criteria

  • Residency. To apply online, you must be an Australian citizen or permanent resident.
  • Age. You must be at least 18 years old to apply.

Card benefits

  • No annual fee. This card charges a $0 p.a. annual fee.
  • Shopping cashbacks. Eligible BankSA credit card holders can get cashbacks when they shop with their card on the online rewards platform ShopBack.

Rates & fees

  • Purchase interest rate. Your purchases will attract the 20.74% p.a. purchase interest rate.
  • Interest-free days. When you pay your monthly payment balance in full, which excludes current balance transfers, listed on your statement by the payment due date, you will receive up to 55 days interest-free on new purchases. Note that interest-free days are separate from any longer-term interest rate promotions.

Your reviews

No reviews yet. Write a review

Ask a question

Ask a question
Avatar

Sally Finder

Producer

Hi there, looking for more information? Ask us a question.

Error label

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked
Accept and continue

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.

Avatar

Ian

April 24, 2013

can this card be over drawn by someone else like hackers if my limit is $500


Avatar

Jacob Finder

April 24, 2013

Hi Ian. Technically yes. Generally you can only overdraw your account by a small amount, if at all. If you’re a victim of fraud, you can get your money back under the card scheme’s no liability policies. Thanks for your question. Jacob.


Go to site