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BankSA Business Visa Credit Card

1 review

Purchase rate

9.99% p.a.

Balance transfer

N/A

Annual fee

$55 p.a.
55% Complete (success)

Pros

Low purchases rate

9 additional card holders

Cons

$55 annual fee per card

BankSA Business Visa Credit Card

The BankSA Business credit card has a variable purchase rate of 9.99% p.a. and up to 55 days interest-free on purchases. Complimentary insurance against fraudulent use and unauthorised transactions. Low annual fee of $55 per card and up to 9 additional cardholders.

Key features

  • 9.99% p.a. (variable) interest rate on purchases.
  • 17.15% p.a. (variable) cash advance rate.
  • Up to 55 days interest free on purchases
  • Up to 9 additional cardholders
  • Annual fee of $55 per card
100% of customers who have rated this card would recommend it
  • Rates
    90%
  • Fees
    90%
  • Rewards
    N/A
  • Customer Service
    90%
  • Value
    90%
Overall user rating 72%
1 reviews
Interest Rates
Purchase rate 9.99% p.a.
Cash advance rate 17.15% p.a.
Interest free on purchases up to 55 days
Balance Transfer
Credit limits
Minimum credit limit $1,000
Maximum credit limit N/A
Fees & repayments
Annual fee $55 p.a.
Additional cardholder fee Up to 9 - $55 p.a. each
Cash advance fee 2%
Foreign transaction fee 3%
Minimum repayment 2%
Late payment fee $15
Credit card type Visa
Complimentary insurance
Flight inconvenience insurance No
Transport accident cover No
Smartphone screen insurance No
Purchase protection insurance No
Extended warranty insurance No
Rental vehicle excess cover No
Extras
Unauthorised transaction insurance

The BankSA Business Visa Credit Card

Keeping it simple with a few essential features, the BankSA Business Visa Credit Card helps to keep costs down with a low rate of interest on purchases and cash advances. With a nice range of business tools and extras, this convenient business card could be the one your business needs for day-to-day spending.

What we love...

What’s not to love about saving money? As a handy little money-saver, the BankSA Business Visa Credit Card has a super low rate of interest on purchases, helping you to keep costs as low as possible if you happen to carry a balance month-to-month.

However, if you do clear your balance at the end of each statement period, you can take advantage of up to 55 days interest free on purchases. This could help you extend your business cashflow, giving you more time to pay off large purchases as well as everyday business spending.

It’s also worth mentioning that the card offers a relatively low rate of interest on cash advances, but as with most credit cards, it’s best to side-step this feature to avoid extra fees and unnecessary interest payments.

But of course, it’s not all about saving money. The BankSA Business Visa Credit Card also offers a number of helpful features that your business could come to rely on. First on that list is the card’s complimentary insurances.

While the card may not provide the full suite of complimentary insurances offered on some (more expensive) credit cards, it does cover the basics, providing insurance against fraudulent use and unauthorised transactions for all cardholders.

What’s not so great...

When it comes to basic cards, it’s important to weigh up the value of what’s on offer. Look at what features the card provides, and compare that to the amount you pay to keep the card in your wallet.

If it provides good value for money, while accommodating your needs, it’s probably worthwhile keeping it. However, if you want more from your card, such as fancy features or a rewards program, you may have to look elsewhere – and be prepared to stump up a few extra bucks.

In terms of costs on the BankSA Business Visa Credit Card, you can expect to pay an annual fee of $55 per card. While this seems pretty reasonable for one card, it could stretch your wallet if you’re covering the annual fee for ten cards.

Why should you choose this card?

If you’re weighing up whether the BankSA Business Visa Credit Card offers the value your business needs, let’s look more closely at the rest of the features we alluded to previously.

First up, you need to know how this card works. Unlike some other business credit cards that provide personal liability for one account holder, the BankSA Business Visa Credit Card has joint and several liability to allow business owners to share the responsibility.

The account holders can then choose if they each want a card on the account, or if they would like to provide trusted team members with a card. Ten cards can be linked to one account in total, each with individual card limits.

Additional handy business tools include easier expense reporting, as the card provides detailed statements that could help to monitor and manage expenses, with optional consolidated summaries by department and division.

Overall Rating

A basic business card that could be a real money-saver, providing essential features and convenient business tools.

2 questions (showing the latest 10 Q&As)

Eirini Ninnis

Eirini Ninnis

3 January 2018
Hi how I can I apply for a credit card ?
Farid

Farid

21 January 2017
I want to transfer my credit card balance its $4500 from NAB and my limit is 20 k . what can u do for me Good credit history
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 January 2017
    Hi Farid, is your current NAB card in your business name? This offer itself has no balance transfer feature.
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Australian citizen or a permanent resident. Have a valid ABN and your business must be registered for GST.
  • You have your personal details ready to complete the online application
BankSA Business Visa Credit Card
BankSA Business Visa Credit Card

BankSA Business Visa Credit Card

Updated 18 June 2019

Purchase Rate (p.a)

9.99%

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$55

$0

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • Low purchases rate
  • 9 additional card holders

  • $55 annual fee per card

Creditcard.com.au review

Editor Review

The BankSA Business Visa Credit Card

Keeping it simple with a few essential features, the BankSA Business Visa Credit Card helps to keep costs down with a low rate of interest on purchases and cash advances. With a nice range of business tools and extras, this convenient business card could be the one your business needs for day-to-day spending.

What we love...

What’s not to love about saving money? As a handy little money-saver, the BankSA Business Visa Credit Card has a super low rate of interest on purchases, helping you to keep costs as low as possible if you happen to carry a balance month-to-month.

However, if you do clear your balance at the end of each statement period, you can take advantage of up to 55 days interest free on purchases. This could help you extend your business cashflow, giving you more time to pay off large purchases as well as everyday business spending.

It’s also worth mentioning that the card offers a relatively low rate of interest on cash advances, but as with most credit cards, it’s best to side-step this feature to avoid extra fees and unnecessary interest payments.

But of course, it’s not all about saving money. The BankSA Business Visa Credit Card also offers a number of helpful features that your business could come to rely on. First on that list is the card’s complimentary insurances.

While the card may not provide the full suite of complimentary insurances offered on some (more expensive) credit cards, it does cover the basics, providing insurance against fraudulent use and unauthorised transactions for all cardholders.

What’s not so great...

When it comes to basic cards, it’s important to weigh up the value of what’s on offer. Look at what features the card provides, and compare that to the amount you pay to keep the card in your wallet.

If it provides good value for money, while accommodating your needs, it’s probably worthwhile keeping it. However, if you want more from your card, such as fancy features or a rewards program, you may have to look elsewhere – and be prepared to stump up a few extra bucks.

In terms of costs on the BankSA Business Visa Credit Card, you can expect to pay an annual fee of $55 per card. While this seems pretty reasonable for one card, it could stretch your wallet if you’re covering the annual fee for ten cards.

Why should you choose this card?

If you’re weighing up whether the BankSA Business Visa Credit Card offers the value your business needs, let’s look more closely at the rest of the features we alluded to previously.

First up, you need to know how this card works. Unlike some other business credit cards that provide personal liability for one account holder, the BankSA Business Visa Credit Card has joint and several liability to allow business owners to share the responsibility.

The account holders can then choose if they each want a card on the account, or if they would like to provide trusted team members with a card. Ten cards can be linked to one account in total, each with individual card limits.

Additional handy business tools include easier expense reporting, as the card provides detailed statements that could help to monitor and manage expenses, with optional consolidated summaries by department and division.

Overall Rating

A basic business card that could be a real money-saver, providing essential features and convenient business tools.

User reviews

BankSA Business Visa Credit Card ( based on 1 Creditcard.com.au user review )

72% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates

Purchase rate 9.99% p.a.

Cash advance rate 17.15% p.a.

Interest free on purchases up to 55 days

Credit limits

Minimum credit limt $1,000

Maximum credit limit N/A

Fees & repayments

Annual fee $55 p.a.

Additional card holder fee Up to 9 - $55 p.a. each

Foreign transaction fee 3%

Minimum repayment 2%

Cash advance fee 2%

Late payment fee $15

Additional features

Complimentary insurance

Overseas travel insurance No

Flight inconvenience insurance No

Transport accident cover No

Smartphone screen insurance No

Purchase protection insurance No

Extended warranty insurance No

Rental vehicle excess cover No

Extras

Unauthorised transaction insurance

Overview

BankSA Business Visa Credit Card

The BankSA Business credit card has a variable purchase rate of 9.99% p.a. and up to 55 days interest-free on purchases. Complimentary insurance against fraudulent use and unauthorised transactions. Low annual fee of $55 per card and up to 9 additional cardholders.

Key features

  • 9.99% p.a. (variable) interest rate on purchases.
  • 17.15% p.a. (variable) cash advance rate.
  • Up to 55 days interest free on purchases
  • Up to 9 additional cardholders
  • Annual fee of $55 per card

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Australian citizen or a permanent resident. Have a valid ABN and your business must be registered for GST.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

2 questions (showing the latest 10 Q&As)

Eirini Ninnis

Eirini Ninnis

3 January 2018
Hi how I can I apply for a credit card ?
Farid

Farid

21 January 2017
I want to transfer my credit card balance its $4500 from NAB and my limit is 20 k . what can u do for me Good credit history
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    23 January 2017
    Hi Farid, is your current NAB card in your business name? This offer itself has no balance transfer feature.

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