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Quick snapshot

An everyday card that gets the job done – and with no annual card fee.

BankSA No Annual Fee credit card
$0 Annual card fee
20.74% p.a. Variable interest rate on purchases
Up to 55 days Interest free on purchases1
$500 Minimum credit limit

See below for standard rates and fees.


12 months interest-free on purchases<

With this groovy offer, you’ll pay 0% p.a. interest on purchases for the first 12 months you have your new card. After that, the interest rate goes back to the variable purchase rate.

Why you'll love the No Annual Fee card

No Annual Card Fee. Ever.

Enjoy the freedom and security of a credit card with no annual card fee, ever.

Low minimum credit limit

If you haven’t used credit much before, or aren’t confident using it, the $500 minimum limit can help ensure your spend doesn’t get out of control.

Up to 55 days interest-free

That’s more time to pay your purchase balance and avoid interest charges on your purchases1. The interest-free days don’t cover cash advances.

Other reasons to choose

Add up to 3 additional cardholders (16 or over) for free, while keeping all the spend on the one account2.

Key rates and fees

  • 20.74% p.a. variable interest rate on purchases
  • $0 annual card fee
  • 21.49% p.a. variable cash advance interest rate
  • $15 fee applied for each late payment or missed payment
  • 2% of each cash advance amount (minimum of $2.50 capped at $150 per transaction)
  • $9 for each dishonour of a payment under the Autopay automatic payment arrangement
  • 3% of the Australian dollar value for transactions with merchants based overseas

Before you apply

Follow this section to improve the likelihood your application is approved. 

  • You’re aged 18 or over
  • You’re an Australian citizen or have a permanent residency visa
  • You have a regular, verifiable income
  • You have a residential address in Australia.
Important information
Conditions, fees and credit criteria apply. This card is issued as a Visa card. Before making a decision read the Terms and Conditions and consider if the product is right for you. 

Switches, upgrades, or Westpac Group staff are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

<Purchase Rate Promotion: The introductory rate of 0% p.a. on purchases for 12 months applies from card approval when you apply and are approved for a new No Annual Fee credit card between 20th October 2021 and 24th February 2022. After 12 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.

1 55 Days Interest Free: Receive up to 55 days interest free on your purchases if your account is paid in full by the due date shown each month (excluding any balance transfers and Plan&Pay instalments), this is called the Monthly Payment Balance on your statement.

2 An additional credit card can be issued on the primary cardholder's account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder.

3 Fraud Money Bank Guarantee: Our BankSA Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted BankSA promptly. Refer to the Credit Card Terms and Conditions (PDF 336KB) for full details, including when a customer will be liable.

Read the Apple Pay Terms and Conditions (PDF 65KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card, and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Read the Google Pay Terms and Conditions (PDF 80KB) before making a decision and consider if it is right for you. Available for eligible cards. To use Google Pay you will need to use a compatible device with a supported operating system. See our Google Pay FAQs for more information.

Read the Samsung Pay Terms and Conditions (PDF 104KB) before making a decision and consider if it is right for you. To use Samsung Pay you will need to use a compatible device with a supported operating system. See our Samsung Pay FAQs for more information.

Internet connection may be needed to make purchases using Google Pay, Samsung Pay and normal mobile data charges apply.

Android, Google Pay and Google Play are trademarks of Google Inc.

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.