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No Annual Fee Credit Card

Freedom and security of a credit card with no annual fee

No Annual fee credit card
  • 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.
  • Speed and convenience – no need to sign or enter your PIN for everyday purchases under $100 at participating merchants, who accept contactless transactions.
Apply Now

No annual fee

  • $0 annual fee
  •  p.a. variable rate on purchases and cash advances
  • No interest free period applies.

Safety net

  • The flexibility of a credit card without the burden of an annual fee

Low credit limit

  • Minimum low credit limit of $500.

Additional cardholders

  • Get up to 3 additional cardholders at no additional cost.

Choice

  • Choose Visa® or MasterCard®
Interest Rate - Variable
  •  p.a.on purchases and cash advances
  •  p.a.on purchases and cash advances
Annual fee
  • $0
Interest free period
  • No interest free period
Additional card holders
  • Get up to 3 additional cardholders at no extra cost.
International Visa®/ MasterCard® Transaction
  • 3% of the amount of each foreign currency transaction (including, without limitation, ATM transactions) will appear on your credit card account when you use your Visa Card or MasterCard for foreign currency transactions.
Cash Advance Fee
  • 2% of each cash amount (cash advance amount) withdrawn or advanced on, and all transfers (including, without limitation, amount with transfers by Internet Banking or Phone Banking), from your credit card account or minimum of $2.50.
Late Payment Fee
  • $9.00 applied for each late or missed payment
Card Replacement Fees
  • $15.00 per card within Australia
  • $52.50 per card outside of Australia
  • $45.00 per Emergency/Urgent Replacement Card.
Over-limit Fee
  • $9.00 applied once per statement period if a transaction is made for an amount exceeding the available credit at the date the transaction is debited to your credit card account
Automatic Payment Dishonour Fee
  • $9.00 applied for each payment dishonoured made under the automatic payment plan
Statement Copy Fee
  • $4.50 for requests via Phone Banking or Internet Banking
  • $7.50 for all other requests.
Other fees and charges

Fees and rates subject to change.

Apply online

Apply now. It takes just 10 minutes!

Call Us

 13 13 76

Visit a branch

Find your nearest branch

Print an application

Print and complete the BankSA Credit Card Application.

How to apply

Important information

Conditions, fees and credit criteria apply.

View the terms and conditions:

Please read these documents and keep a copy. You can request a paper copy at a branch.

The information on our website is prepared without knowing your personal financial circumstances. Before you act on this information, please consider if it's right for you. Visa is a registered trademark of Visa Worldwide PTe Limited. MasterCard is a registered trademark of MasterCard International Incorporated.