We are pleased to offer you a card with no annual card fee, 0% annual purchase interest rate for 12 months and up to 55 interest free days. With a balance transfer or new credit account, you’ll have our best rates for twelve months – even better than what other banks advertise.

There are many benefits to consolidating your credit card debt. If you want to reach your credit card limit, you can often make additional payments without incurring interest. Furthermore, it also helps with your personal budgeting as every dollar you pay towards your debt will save you money in the long run.

Easily redeem your card with a bunch of great features including the 0% annual purchase rate offer for 12 months, 3 free additional cardholders and up to 55 interest-free days. Interest rates can go up as soon as the first year is over though; they start at 20.74%.

BankSA Features

One of the most alluring features of a BankSA No Fee credit card is that it doesn’t cost you anything to have one. By making sure you pay off your spending in full each month, you can use the card for free because of the low interest rate.

To help you make things easy, we offer 50+ days with NO interest. Your 20.74% purchase rate starts after 260 days. Speaking of that, the card does come with 0% interest rate on purchases for the first 12 months. Just keep in mind that there is a cash advance rate of 21.49%. You can also get 3 free additional cardholders, so you can share the account with your family.

Is this the card for you?

The BankSA No Annual Fee credit card is perfect if you are someone who pays your balance in full and on time each month as there is no annual card fee to worry about. You can use the card for free which allows you more freedom. After the first 12 months of same-as-cash payments, annual purchase rates increase to 20.74%. The cash advance interest rate is also 21.49%.

If you’re just getting started with credit, or aren’t experienced with it, the $500 minimum limit can help you avoid making mistakes that could cost you money. You can use your card for purchases without worrying about maxing out your limit and paying more in interest.

When you shop, you’ve probably noticed the interest-free days on your credit card. The interest-free days represent the number of days that your purchases will not accrue any interest if they are paid in full. But what about cash advances? Your credit card might offer a different number of interest-free days to cash advances than to purchases.

Why apply for your BankSA card

BankSA No annual Fee card offers interest-free days, that is an attractive feature on credit cards because it allows for a certain number of days before interest is accrued. This can be helpful for people who want to spread out their purchases or those who will not be using the card often.

How to request a BankSA No Annual Fee credit card

If you are interested in applying for this credit card, you will need to In order to be eligible, you must be aged 18 or over, you must have permanent residency in Australia/NZ. You are a non-resident or migrant who is holding a current acceptable Visa and it will not expire for at least one year. You have a job that generates an Australian taxable income and you have your own fixed address in Australia

BankSA Requirements

Your ability to repay the money you borrow will be assessed. Here are a few suggestions to help with this:

Make sure you’re meeting your current repayment obligations to other creditors, such as afterpay or zip-pay and make sure you’ll continue to pay rent. You should also make it a priority to meet your obligations for essential household utility bills like electricity and phone.

Ensure you check that all details are correct on your report before applying. Visit CreditSmart.org.au and follow the links to obtain a free credit report. For more information on credit reports, visit their website or talk to one of our qualified advisors who can provide impartial advise and guidance through your journey.

Don’t make multiple applications with us or any other lender. Every application is listed as an enquiry on your credit file. Too many could be seen as a red flag and reduce your chances of approval

No Annual Fee credit card

Make sure you have all the following documents in order to prove your identity: Australian Driver’s License, Medicare Card, Passport, Australian Birth Certificate and NSW Photo Card. I see that you have a number of debts to your name. This includes your home loan, instalment purchases, and personal loans etc. How are things going in terms of the current amounts owed

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What kind of credit cards do you have an interest in? You might struggle to find the best option on your own, but with our credit card comparison tool, it’s easy to make an informed decision.