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BankSA No Annual Fee Credit Card

BankSA No Annual Fee Credit Card

Purchase Rate
20.49 %

Cash Advance Rate 20.49% p.a
Interest Free Up to 55 days
Annual Fee$0
Balance Transfer Rate 0.00%for first 12 months
Intro Purchase Rate 0.00%for up to 6 months

  • Special offer - 0% p.a. for 12 months on balance transfers, requested at card application^. Variable cash advance rate applies after 12 months. Offer ends 1 May 2017.
  • Special offer - 0% p.a. for 6 months on purchases from card approval.* Offer ends 1 May 2017
  • No Annual Fee for the life of your card.
  • Credit limits starting from $500.
  • The flexibility of a credit card without the burden of an annual fee.
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Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance

Rewards Program

Rewards Points per Dollar Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card* SPEND FOR SYD/MEL RETURN*

Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines

Annual Fee $0 Minimum Repayment Greater of 2% or $20
Annual Fee First Year $0 Interest Charged From Purchase Date
Rewards Joining Fee Late Payment Fee $15
Supplementary Card Fee $0    
Duplicate Statement Fee $7.5 Overseas ATM Balance Fee
Transaction Verification Fee $10.5 Overseas ATM Withdrawal Fee
Over Limit Fee $15 Overseas Emergency Card Replacement Fee $52.5

Visit the issuer's website for additional information. Go to site

Terms & Conditions
^The promotional balance transfer rate is available when you apply for a new BankSA No Annual Fee credit card between 21st February 2017 and 1st May 2017 and request at application to transfer balance(s) from non- BankSA, Bank of Melbourne and St.George Australian issued credit, charge or store cards. The variable purchase interest rate applies to balance transfers requested at any other time. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. The balance transfer rate is not available in conjunction with any other promotion unless specified. Promotional rate will apply to any balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. The variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. Card activation will trigger the processing of the balance transfer. BankSA will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). Interest free days don’t apply to balance transfers. *The introductory rate of 0.00% p.a. on purchases is available when you apply for a new BankSA credit card between 21st February 2017 and 1st May 2017. The introductory rate will be applied from card approval and expires 6 months after the date of card approval. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard variable purchase rate then applicable to your card account.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

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