Balance Transfer Calculator

Important information

Conditions, fees and credit criteria apply.

The balance transfer rate is available to you when you apply for a new BankSA credit card and request at application to transfer a balance from Australian issued credit or store cards other than BankSA credit cards. Subsequent balance transfers that are requested after the balance transfer period above, will be charged at the standard variable purchase rate. Payments made to your credit card account will be applied as set out in the Credit Card Conditions of Use. After the stated special promotion period any outstanding balance transfer amount will attract your card's standard variable purchase rate. You can apply to transfer $200 or more, up to 95% of your new BankSA credit card available limit.

Assumptions that this calculator makes:

• You don’t make any purchases on your card until the promotional period ends or the balance transfer is paid in full.
• You only make minimum repayments on your card in the first 6 months.
• The interest rate applying to your non-BankSA credit card will not change.
• You don’t pay your card off in full each month.
• The minimum monthly repayment will be paid by the statement due date each month. The minimum repayment on your credit card is whichever is greater of: 2% of your total balance, or $10, or the amount of outstanding government and interest charges.
• No cash advance transactions are made.
• Excludes any fees that may apply to either card, including annual fees and when they are charged.