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BankSA No Annual Fee Credit Card
2 reviews

BankSA No Annual Fee Credit Card

Apply by 2 October 2019

Purchase rate

20.74% p.a.

Balance transfer

0% for 12 monthsreverts to 21.49% p.a. 1%% BT fee

Annual fee

$0 p.a.

Pros

No annual fee

0% for 12 months on balance transfer

Up to 3 additional card holders

24/7 Falcon fraud monitoring

Up to 55 interest free days after intro period

Cons

High purchase rate of 20.74% p.a.

1% balance transfer fee applies

100% of customers who have rated this card would recommend it
  • Rates
    20%
  • Fees
    98%
  • Rewards
    N/A
  • Customer Service
    92%
  • Value
    58%
Overall user rating 58%
2 reviews

58% Visitor

Chose it cos it was no annual fee. Cheap to keep as long as you pay off what you owe at the end of the month.

Recommends this card

Interest Rates
Purchase rate 20.74% p.a.
Cash advance rate 21.49% p.a.
Interest free on purchases up to 55 days
Balance Transfer
Balance transfer rate 0% p.a. for 12 months
Balance transfer fee 1%% one off
Balance transfer revert rate 21.49% p.a.
Balance transfer limit 80% of your approved new credit limit
Balance transfer from personal loan No
Banks you can't balance transfer from Bank of Melbourne ,BankSA ,St.George
Credit limits
Minimum credit limit $500
Maximum credit limit $40,000
Fees & repayments
Annual fee $0 p.a.
Additional cardholder fee Up to 3 at no extra cost
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

BankSA No Annual Fee Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au.

The BankSA No Annual Fee Credit Card

Currently offering 0% p.a. for 12 months on balance transfers, the BankSA No Annual Fee Credit Card is a low cost card that could help cardholders pay off their credit card debt faster, while paying less in interest. Other features offered on this no annual fee card include up to 55 days interest free on purchases, and the option to add three additional cardholders at no extra cost.

What we love...

As the BankSA No Annual Fee Credit Card currently has an intro offer, we’ll cover that first. Offered to new cardholders who apply and are approved before 2 October 2019, this offer provides 0% p.a. for 12 months on balance transfers with a 1% balance transfer fee. So, if you have credit card debt that you want to pay off, this card could help you do just that.

Why choose this card to balance transfer onto? A no annual fee card such as this can be the perfect option for a balance transfer. First up, it has no annual fee. That means you can use the money you would have paid out in annual fees to put towards clearing your balance. Secondly, the offer itself is nice and long, giving you a whole year to plug away, clearing your balance month by month.

Lastly, as it is a fairly basic card, it doesn’t really provide you with any temptation to spend. Unlike rewards cards that reward further spending, or cards with bonus points intro offers that require a minimum spend on the card each month, the BankSA No Annual Fee Credit Card keeps it basic. That can make it easier to keep spending to a minimum, while you focus on clearing your transferred balance.

However, even if you don’t need to use its balance transfer offer, this card still has plenty to give – as long as what you want is access to credit, while saving on annual fees. There is no annual fee on this card ever, plus, you can add up to three additional cardholders to the account at no extra cost. This could make your family finances easier to deal with, while providing access to credit to those who need it.

What’s not so great...

Let’s get into some of the small print on that offer. Understand that you will pay a 1% balance transfer fee, which will be charged to your account on the same day your balance transfer is processed. You can transfer from up to three non-St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards, up to 80% of your approved credit limit.

If you are unable to pay off your transferred balance in full by the end of the intro period, that remaining balance will start accruing interest at the card’s cash advance rate. This is not low, so it’s best to avoid this if possible. Also bear in mind the card’s standard purchase rate is also high, so try to avoid interest by clearing your balance by the due date each month, or avoid spending while paying off a balance transfer.

Why should you choose this card?

Obviously, if you’re looking for a no annual fee card with a great balance transfer offer, the BankSA No Annual Fee Credit Card could be for you. It could also work well for you if you want an everyday money-saver, or you simply don’t want to pay an annual fee to keep a credit card in your wallet. With a $500 minimum credit limit, this card could also work for smaller spenders, or those who want to limit the temptation to overspend.

Bear in mind that if you want to make this card into a real money-saver, make use of its interest free feature, providing up to 55 days interest free on purchases as long as you don’t carry a balance over from a previous month.

Overall Rating

The BankSA No Annual Fee Credit Card helps cardholders save with no annual fee ever, and 0% p.a. on balance transfers for 12 months. Up to 55 days interest free on purchases is offered to cardholders who do not have a balance transfer, and who clear their balance by the due date.

(showing the latest 10 Q&As)

BankSA No Annual Fee Credit Card

A great choice if you want to save money, the BankSA No Annual Fee credit card will charge you no annual fee, ever! Add to this a new special offer of 0% p.a. on balance transfers for 12 months and you have a great offer. 1% balance transfer fee applies. Variable cash advance rate applies after the promotional period. No annual fee credit cards are excellent if you tend to pay off the balance of your credit card in full each month. Having no annual fee to pay should really help to cut down on costs. If you choose this card, you can also benefit from having 3 additional cardholders at no extra cost, a Visa card, online secure shopping, 24/7 Falcon Fraud monitoring, and a low minimum card limit. Offer ends 2 October 2019.

Key features

  • No Annual credit card fee
  • 0% p.a. on balance transfers for 12 months. 1% balance transfer fee applies. Variable cash advance rate applies after the promotional period.
  • Receive up to 3 free additional cardholders
  • Up to 55 interest free days after intro period
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Australian permanent resident
  • You have your personal details ready to complete the online application
BankSA No Annual Fee Credit Card
BankSA No Annual Fee Credit Card

BankSA No Annual Fee Credit Card

Updated 19 August 2019

Apply by 2 October 2019

Purchase Rate (p.a)

20.74%

Balance Transfer (p.a)

0% for 12 months 1%% BT fee applies. reverts to 21.49% p.a.

Annual Fee (p.a)

$0

$0 over 12 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • No annual fee
  • 0% for 12 months on balance transfer
  • Up to 3 additional card holders
  • 24/7 Falcon fraud monitoring
  • Up to 55 interest free days after intro period

  • High purchase rate of 20.74% p.a.
  • 1% balance transfer fee applies

Creditcard.com.au review

Editor Review

BankSA No Annual Fee Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

The BankSA No Annual Fee Credit Card

Currently offering 0% p.a. for 12 months on balance transfers, the BankSA No Annual Fee Credit Card is a low cost card that could help cardholders pay off their credit card debt faster, while paying less in interest. Other features offered on this no annual fee card include up to 55 days interest free on purchases, and the option to add three additional cardholders at no extra cost.

What we love...

As the BankSA No Annual Fee Credit Card currently has an intro offer, we’ll cover that first. Offered to new cardholders who apply and are approved before 2 October 2019, this offer provides 0% p.a. for 12 months on balance transfers with a 1% balance transfer fee. So, if you have credit card debt that you want to pay off, this card could help you do just that.

Why choose this card to balance transfer onto? A no annual fee card such as this can be the perfect option for a balance transfer. First up, it has no annual fee. That means you can use the money you would have paid out in annual fees to put towards clearing your balance. Secondly, the offer itself is nice and long, giving you a whole year to plug away, clearing your balance month by month.

Lastly, as it is a fairly basic card, it doesn’t really provide you with any temptation to spend. Unlike rewards cards that reward further spending, or cards with bonus points intro offers that require a minimum spend on the card each month, the BankSA No Annual Fee Credit Card keeps it basic. That can make it easier to keep spending to a minimum, while you focus on clearing your transferred balance.

However, even if you don’t need to use its balance transfer offer, this card still has plenty to give – as long as what you want is access to credit, while saving on annual fees. There is no annual fee on this card ever, plus, you can add up to three additional cardholders to the account at no extra cost. This could make your family finances easier to deal with, while providing access to credit to those who need it.

What’s not so great...

Let’s get into some of the small print on that offer. Understand that you will pay a 1% balance transfer fee, which will be charged to your account on the same day your balance transfer is processed. You can transfer from up to three non-St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards, up to 80% of your approved credit limit.

If you are unable to pay off your transferred balance in full by the end of the intro period, that remaining balance will start accruing interest at the card’s cash advance rate. This is not low, so it’s best to avoid this if possible. Also bear in mind the card’s standard purchase rate is also high, so try to avoid interest by clearing your balance by the due date each month, or avoid spending while paying off a balance transfer.

Why should you choose this card?

Obviously, if you’re looking for a no annual fee card with a great balance transfer offer, the BankSA No Annual Fee Credit Card could be for you. It could also work well for you if you want an everyday money-saver, or you simply don’t want to pay an annual fee to keep a credit card in your wallet. With a $500 minimum credit limit, this card could also work for smaller spenders, or those who want to limit the temptation to overspend.

Bear in mind that if you want to make this card into a real money-saver, make use of its interest free feature, providing up to 55 days interest free on purchases as long as you don’t carry a balance over from a previous month.

Overall Rating

The BankSA No Annual Fee Credit Card helps cardholders save with no annual fee ever, and 0% p.a. on balance transfers for 12 months. Up to 55 days interest free on purchases is offered to cardholders who do not have a balance transfer, and who clear their balance by the due date.

User reviews

BankSA No Annual Fee Credit Card ( based on 2 Creditcard.com.au user reviews )

58% rating based on 2 reviews

Rates
Fees
Rewards
Customer Service
Value
58%

Creditcard.com.au Visitor

28 January 2013

Chose it cos it was no annual fee. Cheap to keep as long as you pay off what you owe at the end of the month.

Recommends this card

Rates and fees

Interest rates

Purchase rate 20.74% p.a.

Cash advance rate 21.49% p.a.

Interest free on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 12 months

Balance transfer revert rate 21.49% p.a.

Balance transfer from personal loan No

Balance transfer fee 1%% one off

Balance transfer limit 80% of approved credit limit

Banks you can't balance transfer from Bank of Melbourne, BankSA, St.George

Credit limits

Minimum credit limt $500

Maximum credit limit $40,000

Fees & repayments

Annual fee $0 p.a.

Additional card holder fee Up to 3 at no extra cost

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

Overview

BankSA No Annual Fee Credit Card

A great choice if you want to save money, the BankSA No Annual Fee credit card will charge you no annual fee, ever! Add to this a new special offer of 0% p.a. on balance transfers for 12 months and you have a great offer. 1% balance transfer fee applies. Variable cash advance rate applies after the promotional period. No annual fee credit cards are excellent if you tend to pay off the balance of your credit card in full each month. Having no annual fee to pay should really help to cut down on costs. If you choose this card, you can also benefit from having 3 additional cardholders at no extra cost, a Visa card, online secure shopping, 24/7 Falcon Fraud monitoring, and a low minimum card limit. Offer ends 2 October 2019.

Key features

  • No Annual credit card fee
  • 0% p.a. on balance transfers for 12 months. 1% balance transfer fee applies. Variable cash advance rate applies after the promotional period.
  • Receive up to 3 free additional cardholders
  • Up to 55 interest free days after intro period

Minimum criteria to apply for this card

  • Be over 18 years old

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

  • Australian permanent resident

  • 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.

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