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 Classic.

If you live in South Australia or the Northern Territory and want a competitive credit card that offers peace of mind when it comes to your repayments, the BankSA Vertigo Classic card could work for you. It can let you save money by offering a no fee-balance transfer, low standard annual fee, a competitively low purchase rate and generous interest-free days.

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 date22 May 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 ResidentsYes - Conditions apply
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

  • Balance transfer offer. When you transfer an existing credit card debt from a non-BankSA, Bank of Melbourne or St.George credit card onto the BankSA Vertigo Classic, you get 0% p.a. interest for up to 16 months with no balance transfer fee. This offer will end on 22 May 2019 and after the introductory period expires, any remaining balances will accrue interest at the variable cash advance rate. You can transfer up to 80% of your approved credit limit and you must still make minimum repayments.
  • Low interest rate. This card comes with a low variable interest rate of 13.99% p.a. on purchases.

Features of BankSA Vertigo Classic

The BankSA Vertigo Classic could be the ideal credit card for someone who loves shopping with a low rate on purchases.

  • Annual fee. The BankSA Vertigo Classic card attracts a competitive annual fee of $55.
  • Up to 55 interest-free days on purchases. Provided you pay off your balance in full every month including any balance transfer amount, you will become eligible to enjoy up to 55 interest-free days on purchases.
  • Linked access. The BankSA Vertigo Classic is linked to your other BankSA accounts for the ease of one card banking.
  • Additional cardholder. You can request for an additional cardholder at no extra cost.
  • Cash advance rate. If you make a cash advance transaction or you have debt remaining from your balance transfer at the end of the 16 months, you will accrue interest at the 21.49% p.a. rate.

How to apply for the BankSA Vertigo Classic

If you think BankSA Vertigo Classic suits you, you can apply for it by completing the secure online application. To save time, please ensure that you meet the following eligibility requirements.

Eligibility criteria

  • 18 years old and above.
  • Australian permanent resident.

Required documents

  • Drivers license.
  • Details of your income and employment.
  • Financial commitments, debts or assets.

What happens next?

  • The application takes about ten minutes to complete.
  • Make a note of your application reference number.
  • You should have a response from BankSA within a few minutes of submitting your application.
  • Check your email or information about what’s next.
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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?


    • finder 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
    November 21, 2016

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

    • finder 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?

    • finder 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

    • finder 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?

    • finder 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?

    • finder 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)?

    • finder 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 April 19th, 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.
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.

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.

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