BankSA Vertigo Classic – Details and Application

Save on credit card costs with a 0% p.a. interest rate on balance transfers for 16 months with the BankSA Vertigo credit card.

This low rate credit card gives you a variable interest rate of 13.99% p.a. on purchases and offers mobile payments through Google Pay.

The 0% p.a. balance transfer offer is available if you apply for the BankSA Vertigo by 2 October 2019 and request a balance transfer at the time of your application.

Product NameBankSA Vertigo Classic
Balance transfer rate0% p.a. for 16 months
Balance transfer revert rate
The interest rate that will apply to any remaining balance after the balance transfer term ends.
Cash Advance Rate (21.49% p.a.)
Balance Transfer Limit80% of available credit limit
Purchase rate (p.a.) 13.99% p.a.
Offer end date2 October 2019
Annual fee$55 p.a.
Interest Free Period
The interest-free period is the maximum number of days during which interest is not charged on new purchases. This only applies if you pay your closing balance in full by the statement due date.
Up to 55 days on purchases
Cash advance rate (p.a.)21.49% p.a.
Min credit limit
This is the lowest credit limit you can be granted. It is possible to request a higher credit limit but not a lower one than this figure.
Max credit limit
This is the maximum credit limit available on this card and you can apply for increases after the account has been opened. This credit limit may not be issued to you immediately upon application.
Card TypeVisa
Foreign Currency Conversion Fee (VISA)
Charged when you make a transaction that is converted by Visa from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Complimentary Travel InsuranceNo
Minimum Age18 years of age
Available To Temporary ResidentsNo
Joint ApplicationYes
Annual fee$55 p.a.
Minimum Monthly Repayment2% or $10, whichever is the greater
Late Payment Fee$15
Foreign Currency Conversion Fee (VISA)
Charged when you make a transaction that is converted by Visa from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Cash Advance Fee2% of the value of the transaction or minimum charge of $2.50
Overseas Cash Advance Fee2%
Gambling Transactions AllowedYes
Additional Cardholder Fee$0
Number of Additional Cardholders1


  • Take advantage of an introductory balance transfer rate of 0% p.a. for up to 16 months, with no balance transfer fee.
  • This card charges a low variable purchase rate of 13.99% p.a. which is among the cards with the lowest rates in the market.
  • You can request an additional cardholder at no extra cost.
  • Secure shopping and fraud monitoring


  • This is a classic 'no-frills' credit card with no additional features, perks or rewards.

Benefits of BankSA Vertigo Classic

  • 0% p.a. for 16 months on balance transfers. Apply for the BankSA Vertigo by 2 October 2019 and request a balance transfer at the time of your application to take advantage of this offer. You can transfer and/or consolidate debt from up to 3 Australian credit cards, store cards or charge cards held in your name, as long as they and not issued by BankSA, Bank of Melbourne or St.George. At the end of the introductory period, any remaining balance transfer debt will be charged interest at the variable cash advance rate. You can transfer a minimum of $200 and up to 80% of your approved credit limit and you must still make minimum repayments.
  • Low interest rate. This card offers a variable interest rate of 13.99% p.a. on purchases.
  • Up to 55 interest-free days. If you pay off the total closing balance by the due date on each statement, you can get up to 55 days interest-free on purchases made with this card. Note that interest-free days are not available if you carry a balance transfer debt.
  • Google Pay. Make tap and go payments straight from your phone or other compatible Android device by adding this card to Google Pay.
  • Visa offers. Get access to exclusive travel, entertainment and shopping offers listed on the Visa and Visa Entertainment websites.

Features of BankSA Vertigo Classic

  • Annual fee. The BankSA Vertigo Classic card charges an annual fee of $55 that is competitive among low rate and balance transfer cards.
  • Cash advance rate. A variable interest rate of 21.49% p.a. applies if you make a cash advance transaction or you have debt remaining from your balance transfer at the end of the 16-month introductory balance transfer period.
  • Cash advance fee. A fee worth 2% of the value of the transaction or minimum charge of $2.50 applies when you use this card to withdraw cash or for any other cash advance transactions.
  • Foreign currency conversion fee. If you use this card overseas or online with a retailer that's based overseas, you will be charged a fee worth 3% of the transaction value.

How to apply for the BankSA Vertigo Classic

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

  • Residency. You must be an Australian citizen or permanent resident.
  • Age. You must be at least 18 years old to apply.
  • Balance transfer details. The introductory balance transfer offer is only available if you apply by 2 October 2019 and request a balance transfer from up to 3 Australian credit, store or charge cards that are not issued by St.George, BankSA or Bank of Melbourne. A minimum balance transfer amount of $200 also applies.

Documents and details to provide

  • Personal details. This includes your full name, email address, contact number, residential address, relationship status and number of dependents. You also need to provide valid ID, such as your driver's licence number, passport number and Medicare card number.
  • Employment details. As well as your salary, you need to provide details such as your job title, length of employment and your employer's contact details. If you're self-employed, you may need to provide your accountant's contact details. You may also need to provide supporting documents, such as recent payslips, tax assessment notices or bank statements.
  • Financial details. This includes any other forms of income, such as government payments or pensions, as well as your savings and other assets. You also need to share details of your existing cards, loans, debts and estimate your share of regular household expenses such as rent, bills and groceries.
  • Balance transfer details. The balance transfer offer on this card is only available if you include your request with the application. This means you need to provide details of the amount of debt you want to transfer, as well as the account name, number and the provider's BSB.
Back to top
Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

33 Responses

  1. Default Gravatar
    PaulAugust 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
      MariaAugust 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 on Balance Transfers with Joint Primary Cardholders.

      I hope this helps.


  2. Default Gravatar
    HelenJuly 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
      RenchJuly 27, 2017Staff

      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.


  3. Default Gravatar
    JoJuly 1, 2017

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

    • Default Gravatar
      JonathanJuly 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.


  4. Default Gravatar
    TomJune 3, 2017

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

    • Default Gravatar
      JonathanJune 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.


  5. Default Gravatar
    GwendaNovember 21, 2016

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

    • Avatarfinder Customer Care
      MayNovember 21, 2016Staff

      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 guide please refer to this page.
      2. The total amount you can transfer should not exceed the credit limit you’re approved for the new card. 

      Hope this has helped.


  6. Default Gravatar
    JayNovember 2, 2016

    could i get 20,000 to 30,000 limit instantly after i apply through here?
    if i am an professional with income of $80,000 to $90,000?

    • Avatarfinder Customer Care
      LouNovember 2, 2016Staff

      Hi Jay,

      Thanks for your question.

      Please note that is a financial information service that helps consumers make better decisions. We are not BankSA. As such, we are unable to know for sure if you will be able to get your desired credit limit or not.

      Ultimately, your credit card limit with BankSA will depend on their general assessment of your financial condition.


  7. Default Gravatar
    mariusOctober 11, 2016

    Can I transfer St George account over to Bank SA

    • Avatarfinder Customer Care
      MayOctober 11, 2016Staff

      Hi Marius,

      Thank you for your inquiry.

      Unfortunately, the balance transfers are not possible between credit, charge and store cards issued by St.George, Bank of Melbourne and BankSA. You may find more information on which banks you can transfer a balance to and from on this page.

      Hope this helps.


  8. Default Gravatar
    TracyJune 12, 2016

    I applied for a credit card 5 business days ago and the email said they would action my documents within 72hours (3 business days) and then I got another email with the same application number on it from a different bank ?? and it said it would action it within 96 hours (4 business days). I haven’t heard anything at all for 5 business days. How do I know if it’s been approved or not?

    • Avatarfinder Customer Care
      YsaJune 15, 2016Staff

      Hi Tracy,

      Thanks for your question.

      Should you wish to track the status of your application, it would be best to speak with a BankSA customer service representative for direct assistance.
      I’ve emailed you the relevant contact details for your convenience.

      I hope this helps.



  9. Default Gravatar
    LeslyMay 25, 2016

    I am expecting to apply for a balance transfer with BankSA. I do not understand what means by “0.99% p.a. for up to 4 months on purchases from card approval” in BankSA terms. So this mean by 0.99% is charged on balance transfer amount?

    • Avatarfinder Customer Care
      MayMay 26, 2016Staff

      Hi Lesly, thanks for your question.

      With BankSA Vertigo Visa, once your application for this card is approved and you activate it, you will have 4 months (from the time of activation/approval) to enjoy using the card on purchases by incurring a competitive rate of 0.99% p.a. on all your purchases. After 4 months, your card will revert back to charging you 13.24% p.a. on purchases you make.

      As for the balance transfer, you will have 18 months to benefit the 0% interest to pay down your balance. After 18 months, any remaining balance on your card will incur 13.24% p.a.

      I hope this clarifies your confusion.


  10. Default Gravatar
    AmyMay 14, 2016

    Hi, My current credit card is almost at the end of it’s interest free period. I want to balance transfer to another Interest free card, but I also want to combine my partners card and pay out the 2 at once. I just wanted to know If i can do a 0% balance transfer using a card in my name and also a card in someone else’s name (my partners)?

    • Avatarfinder Customer Care
      LouMay 16, 2016Staff

      Hi Amy,

      Thanks for your comment.

      Yes, there are banks that allow you and your partner to apply for a joint credit card account and transfer your individual credit card debt to the new card. You can check this page to know which bank allows for such type of balance transfer. Once you have identified the bank, you can then check the comparison table on the same page and choose a suitable credit card for your needs.

      I hope this helps.


Credit Cards Comparison

Rates last updated June 16th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks.
ME frank Credit Card
11.99% p.a.
$0 p.a.
Save money with an ongoing $0 annual fee, the same low 11.99% p.a. interest rate on purchases and cash advances, and up to 55 days interest free.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
0% p.a. for 18 months
$50 p.a.
Earn 20,000 bonus Velocity Points and save with an ongoing $50 p.a. annual fee. Plus, receive a $129 Virgin Australia Gift Voucher each year.
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.
Qantas Premier Everyday
19.99% p.a.
0% p.a. for 12 months
$29 p.a. annual fee for the first year ($49 p.a. thereafter)
Get up to 42,000 bonus Qantas Points (7,000/month) when you spend $1,000/month for the first 6 months. Plus, complimentary insurance covers.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

Ask a question
Go to site