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BankSA Credit Cards

BankSA began in 1848 as a small, one-person organisation named the Savings Bank of South Australia. In 1984, the bank merged with State Bank of South Australia to form the new state government-owned State Bank. By 1997, State Bank was renamed and began trading as BankSA. In 2008, after Westpac’s merger with St. George, BankSA became a division of the Westpac Banking Corporation. Today, BankSA operates bank branches and ATMs across Australia.

BankSA Credit Cards rates

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About BankSA credit cards

BankSA provides customers with a wide range of credit card options, including low-interest cards, rewards cards, frequent flyer cards, platinum and signature cards, and no-annual-fee cards.

Because their offering is diverse, their fees and rates greatly vary. BankSA credit card rates range from moderate to high. Annual fees range from zero to high on their reward card offering. In general, BankSA credit cards offer a moderate number of interest-free days.

BankSA credit cards range from no-frill and low-rate cards to rewards and frequent flyer cards. Customers with rewards cards gain access to perks such as complimentary travel insurance and lounge passes as well as a rewards scheme that earns points.

All BankSA credit cards are monitored 24/7 for fraud and give customers access to phone and internet banking.

BankSA credit cards review

BankSA offer a wide selection of credit cards, making them suitable for budget cardholders, everyday spenders and rewards seekers. Customers who want to be compensated for their spending may be suited to BankSA’s rewards card offering. Customers can choose to earn either Amplify Rewards points or Qantas Frequent Flyer points.

Budget spenders who struggle to pay their credit card debt in full each month might prefer a low-rate option, while those who want a no-fuss credit card with low fees might prefer a no-annual-fee credit card.

BankSA credit card rates vary from card to card, but tend to stay between moderate and high. Although fees vary, BankSA credit cards typically charge a moderately low late payment fee. They also charge international transaction and currency conversion fees.

FAQs

A credit card is a payment method which lets you pay for goods and services without using your own money. It’s essentially a short-term loan which lets you borrow the bank’s money to pay for things which you can pay back – potentially with interest – at a later date. Credit cards can also be used to withdraw money from an ATM, which is known as a cash advance. Because you’re borrowing money from a bank, credit cards charge you interest on the money you use (unless you repay the entire debt during the interest-free period). When you apply for a credit card, the bank gives you a credit limit which sets the maximum amount you can borrow using your card. Credit cards are one of the most popular methods of payments and can be a convenient way of paying for goods and services in store, online and all around the globe.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

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