BankSA Vertigo Credit Card

Offers 0% interest on balance transfers for 32 months and no annual fee in the first year, with a $55 annual fee after that.

The BankSA Vertigo is a low rate credit card that currently has a long balance transfer offer that gives you a way to pay down existing credit card debt interest-free for 32 months. This offer has no balance transfer fee and is available when you apply by 24 February 2022 and include details of your balance transfer as part of the application. It also offers a $0 annual fee in the first year (normally $55 per year). And since it's a low rate credit card, it charges a variable 13.99% p.a. interest rate for new purchases.

0% p.a.

Balance transfer rate

for 32 months

13.99% p.a.

Purchase rate

$0 p.a.

Annual fee

for the first year ($55 p.a. thereafter)

55 days

Interest free period

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Product NameBankSA Vertigo
Balance transfer rate0% p.a. for 32 months
Balance transfer revert rateCash Advance Rate (21.49% p.a.)
Balance transfer limit80% of available limit
Purchase rate13.99% p.a.
Annual fee$0 annual fee for the first year ($55 p.a. thereafter)
Interest-free periodUp to 55 days on purchases
Cash advance rate21.49% p.a.
Min credit limit$500
Max credit limit$80,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • 0% p.a. for 32 months on balance transfers with no BT fee
  • $0 annual fee for the first year
  • Competitive purchase interest rate of 13.99% p.a.
  • Additional cardholder at no extra cost


  • Classic 'no-frills' credit card with no perks or rewards
  • Balance transfer rate reverts to high 21.49% p.a. cash advance rate at the end of the promotional period
Bonus pointsN/A
Annual fee$0 annual fee for the first year ($55 p.a. thereafter)
Minimum monthly repayment2% of the closing balance or $10, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%
Cash advance fee3%
Overseas cash advance fee2%
Additional cardholder fee$0
Number of additional cardholders1

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The BankSA Vertigo Credit Card gives you a mix of low-cost and everyday features, including introductory 0% interest rate offers for both balance transfers and purchases. If you want to pay off existing card debt, getting a balance transfer to this card can help you save on interest charges for 32 months, as long as you apply by 24 February 2022. But take note that any balance transfer debt left at the end of the introductory period will attract the variable cash advance interest rate.

How to apply

You can apply for the BankSA Vertigo Credit Card online in around 10 minutes. To get started, read through the following eligibility requirements and make sure you have all the details and documents you need to complete the application.

Eligibility criteria

  • New cardholder. The balance transfer offer is only available when you apply for the BankSA Vertigo credit card as a new cardholder before 24 February 2022.
  • Balance transfer debt. If you want to take advantage of a balance transfer promotion, BankSA allows you to transfer from $200 up to 80% of your approved credit limit from up to 3 non-BankSA, Bank of Melbourne or St.George Australian-issued credit, charge or store cards.

Card benefits

  • 0% p.a. for 32 months on balance transfers. Apply for the BankSA Vertigo by 24 February 2022 and request a balance transfer at the time of your application to take advantage of this offer. There is no balance transfer fee with this offer. At the end of the introductory period, any remaining balance transfer debt will be charged interest at the variable cash advance rate, currently 21.49% p.a.
  • $0 annual fee in the first year. Apply and get approved for a BankSA Vertigo Classic card by 24 February 2022 to enjoy a $0 annual fee for the first year. After that, a $55 annual fee applies for each year you have this card.

Rates & fees

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    Default Gravatar
    August 21, 2017

    Hi, Want to know if my wife and I have the balance transfer on up to 3 cards, one in my name and two in hers? eg joint application.?? No where to add second person in application?? Cheers Paul

      Default Gravatar
      August 22, 2017

      Hi, Paul!

      Thank you for reaching out to us.

      It’s possible under some circumstances and it would be best to check directly with the card issuer to know your chances of approval.

      You may find useful information on our page about doing a balance transfer with joint primary cardholders.

      I hope this helps.


    Default Gravatar
    July 24, 2017

    Hi there, can a Queenslander apply for the BankSA Vertigo Visa Credit Card with 0% p.a. on balance transfers for 18 months and $0 first year annual fee 0% p.a. on balance transfers for 18 months and $0 first year annual fee?


      Avatarfinder Customer Care
      July 27, 2017

      Hi Helen,

      Thank you for your inquiry. Please note that we are not affiliated with any company we feature on our site and so we can only offer you general advice.

      Yes, you are eligible for applying for BankSA Vertigo Visa based on your location. You may click on the ‘Go to Site’ button’ to submit an online application.


    Default Gravatar
    July 1, 2017

    Upon transfer of cc balance, will Bank of SA close my other cc account from another provider? Thanks.

      Default Gravatar
      July 1, 2017

      Hi Jo!

      You need to contact the other provider if you wish to close it as it does not happen automatically.

      Hope this helps.


    Default Gravatar
    June 3, 2017

    Is this offer only available to SA and NT residents or is it available to all Australian residents?

      Default Gravatar
      June 3, 2017

      Hi Tom!

      Thanks for your inquiry.

      Please be informed that this offer is not limited to NT or SA residents only. Kindly review the eligibility requirements and if you’re fine with them, you can click “Go to Site” green button to proceed with your application.

      Hope this clarifies.


    Default Gravatar
    November 21, 2016

    Can I transfer a balance from Virgin money and St.George to Bank of South Aust.

      Avatarfinder Customer Care
      November 21, 2016

      Hi Gwenda,

      Thanks for your question.

      Unfortunately, a balance transfer from a St. George credit card to any BankSA credit card is not allowed. However, you can request a BT from your Virgin Money credit card to BankSA Vertigo Visa so long that you meet the eligibility criteria and requirements of the BankSA credit card. Also when conducting a balance transfer, it’s best to remember these two conditions:

      1. You can’t transfer a balance to a credit card that is also underwritten by the same institution – for your reference, please read our balance transfer criteria guide to know which banks you can balance transfer to and from.

      2. The total amount you can transfer should not exceed the credit limit you’re approved for the new card. 

      Hope this has helped.


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