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BankSA No Annual Fee Visa

BankSA No Annual Fee Visa

2.8 from 4 reviews

See the Best No Annual Fee Credit Cards in 2019 as rated by Australians on ProductReview.com.au.


  • No Annual Card Fee

  • 0% Balance Transfer Offer for 12 months

  • Add up to 3 extra cards at no additional cost


  • 1% Balance Transfer Fee

  • 3% Foreign Transaction Account

  • Relatively high 20.74% p.a. Interest Rate on purchases


CategoryNo Annual Fee Credit Cards and Balance Transfer Credit Cards
Contact Number 13 13 76
24-Hour Phone Contact No
Online Live Chat No
Card TypeVisa
Minimum Credit Limit $500
Maximum Credit Limit $40,000
Additional Cardholders 3
Additional Cardholder Fee $0 p.a.
Minimum Repayments2%
Contactless PaymentsApple Pay, Google Pay and Samsung Pay
Rates & Fees
Purchase Rate20.74% p.a.
Cash Advance Fee2%
Late Payment Fee$15
Annual Fee$0 p.a.
Foreign Transaction Fee 3%
Overseas ATM Withdrawal Fee$3
Interest Free Period 55 days
Cash Advance Rate21.49% p.a.
Balance Transfer Rates
Balance Transfer Period 12 months
Balance Transfer Rate 0% p.a.
Balance Transfer Fee 1%
Release dateJun 2007

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Review distribution

5 star
4 star
3 star
2 star
1 star


humle97South Australia

  • Verified customer

Excellent for basic use


Have used this as my only credit card to help acquired a positive credit rating and have had no dramas at all. It doesn't collect any form of frequent flyer or velocity points, but for basic use it does everything you need it to do.

Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateAugust 2019
Main Point of ContactBranch
Card / Account Used ForEveryday Expenses
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robinMetropolitan Adelaide, SA

  • 28 reviews

interest rate is too high


even thought we get fee free credit card, the interest rate makes up for it. its is quite high compared to some other credit cards. i would give it a miss if i was you.

Customer Service
Rates and Fees
Online Experience
Application Process
Card Start DateFebruary 2017
Main Point of ContactPhone
Card / Account Used ForSpecial Purchases
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The reviewer stated that an incentive was offered for this review

Peter J Ryan

Peter J RyanWoodford

  • 6 reviews
  • Verified customer

Hopeless Just Another Annoying Australian Bank


Totally useless and hopeless to deal with in relation to credit cards In my case I was also fully approved for a reduced amount and submitted documentation required even with a full explanation of my income ... They still as fir tax returns when I retired ... send me endless notices of how we’re all done send superannuation docs Rrrrr there are none is my income of 54 K able to service a 2K interest free card YES and it’s a balance transfer to boot ... Foreign people assessing these applications and even a local contact I got was just as hopeless told me to put the application number on my submissions Der it comes with it on.
Hopeless go elsewhere where you get realistic understanding and service You can do heaps better ...



  • 44 reviews



I have used Bank Sa no annual fee card for many years. I have never had to pay any interest.There are a certain amount of limited transactions per month that are free.
A very easy to use credit card, which I have had for years.
The transaction fee when using an ATM is annoying, a bit of a rip off really.

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