Perfect If You Don’t Need It Often

The annual fees on many credit cards can be difficult for some people to handle. This is especially for those who do not use certain credit cards all that often. This is where BankSA can help. BankSA has a great credit card that is available without any annual fees. This type of card will work without these fees for the entire life of the card.

Easy To Afford

You can really use this BankSA card if you do not deal with too many purchases on a card. You should review the expenses that are involved with the card:

  • You will never have to pay an annual fee on your card. This means that you could hold onto the card for five or more years and never have to pay anything for it.
  • You can get a 20.49% rate on all purchases with your card. This rate will also work on cash advances.
  • There are no interest free days on the card. This will work if you are looking to pay off a card quickly.
  • The card can work internationally. You will need to pay a 2.5% fee for all international purchases made on the card. This will be used to help with covering the cost of transferring your money into another currency.
  • A 1.5% fee will be used on cash advances. This is in addition to the 20.49% rate on a cash advance.

Unique Features

There are many special things to find on this BankSA card:

  • You can choose the credit card company that you want to get your credit card to work with. You can choose to have your card work as either a Visa or MasterCard credit card.
  • You will be able to get a good credit limit on your card. In fact, the lowest possible credit limit that is available in $500.
  • It is easy to get other people to work with your card. You can get as many as three other cardholders to be put on your card. These people can be added to your card for free.

Critical Charges

You should know that there are some fees associated with the card. These fees are all completely optional and may not apply to you if you are careful with your card:

  • A $9 fee will go onto any late payment or missed payment.
  • Any payments that are not honoured in your automatic payment process will come with $9 fees.
  • You will need to pay money to get statements on your card. It will cost $4.50 for a phone or online banking statement. It also costs $7.50 for other statement requests.
  • A $9 fee will be used if you go over your spending limit.

Card replacement fees are also involved. These fees would be paid for if you ever lose your card and need to get a new one. The values of these fees will vary according to where you are getting your replacement in:

  • $15 for a card in Australia
  • $52.50 for anything outside the country
  • $45 for any emergency replacement needs

How To Get Your Card

You can easily apply for this card. You can do so by using one of these options:

  • Going online to the BankSA website; you can print an application on the site if you wish
  • Calling BankSA for help
  • Visiting your local BankSA branch

It will be important for you to take a look at this useful card if you are looking for something that works without any annual fees. This credit card can work with the power of Visa or MasterCard. It can be used without too many charges if you are looking to find a card that you might not need too often.