Can I get a BankSA credit card if I live in another state?

Yes, while BankSA is based in South Australia, these credit cards are available to anyone that lives in Australia and meets the eligibility criteria. If you're not near a BankSA branch, you can apply online and manage your account through phone, Internet and mobile banking.

Do I need to change banks if I get a BankSA credit card?

No, you can stay with your current bank for all your other accounts. You'll just have a separate account for your BankSA credit card.

Does BankSA provide additional cards?

Yes, you can request an additional card for anyone who is at least 16 years of age.

How can I make repayments towards my BankSA credit card account?

You can make credit card payments via online and mobile banking, BPAY, BankSA branches and mail.

Can I request for an increase in my card’s credit limit?

Yes, you can. To qualify for an increase in credit limit, you would have to meet the bank’s lending criteria.

What is the history of BankSA?

BankSA began operations in 1848, in the form of the Savings Bank of South Australia. It became a part of the Westpac Group in 2008. BankSA now ranks as the largest financial institution in South Australia, and is the region’s primary issuer of personal finance, housing, and rural banking services. BankSA’s range of financial products and services include transaction accounts, savings accounts, term deposits, personal loans, home loans, insurance and investment solutions, and a variety of credit cards. The credit cards on offer come with certain distinct features, giving you the ability to select one that best suits your needs.

BankSA Credit Cards

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BankSA is the largest bank in South Australia based on its network of branches and ATMs. It's also a division of Westpac Banking Corporation and anyone can apply for a BankSA credit card, then manage it through internet and mobile banking.
Its range includes rewards and frequent flyer cards, low rate, no annual fee and balance transfer options.

Compare BankSA Credit Cards

Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
BankSA Amplify Rewards Signature Amplify Rewards	Purchase rate p.a. 20.99%	Bonus points 200,000	Points per $ spent 1	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $199 first year ($295 after)	Earn 100,000 bonus Amplify Points in year 1 when you spend $12,000 on eligible purchases within 12 months and 100,000 points when you meet the same spend requirement in year 2. T&Cs apply.	View details Compare product selectionCompare	loading
BankSA Vertigo	Purchase rate p.a. 13.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 20 months with 3% balance transfer fee, then 21.99%	Annual fee $84	View details Compare product selectionCompare	loading
BankSA Amplify Rewards Platinum Amplify Rewards	Purchase rate p.a. 20.99%	Bonus points 100,000	Points per $ spent 1	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $99 first year ($175 after)	Get 75,000 bonus Amplify Points in year 1 when you spend $3,000 on eligible purchases in the first 90 days and 25,000 points after the first eligible spend in year 2. T&Cs apply.	View details Compare product selectionCompare	loading
BankSA Amplify Business Credit Card Amplify Rewards	Purchase rate p.a. 19.49%	Bonus points N/A	Points per $ spent 1	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $0 first year ($89 after)	View details Compare product selectionCompare	loading
BankSA Amplify Qantas Platinum Qantas Frequent Flyer	Purchase rate p.a. 20.99%	Bonus points 100,000	Points per $ spent 0.35	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $175	Receive 70,000 bonus Qantas Points in year 1 when you spend $4,000 on eligible purchases in the first 90 days and 30,000 points when you meet the same spend requirement in year 2. T&Cs apply.	View details Compare product selectionCompare	loading
BankSA Visa Business Credit Card Finder Award	Purchase rate p.a. 9.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $55	View details Compare product selectionCompare	loading
BankSA Amplify Qantas Signature Qantas Frequent Flyer	Purchase rate p.a. 20.99%	Bonus points 150,000	Points per $ spent 0.5	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $295	Offers 90,000 bonus Qantas Points in year 1 when you spend $6,000 on eligible purchases in the first 90 days of card approval and 60,000 points when you meet the same spend requirement within 90 days of card anniversary in year 2. T&Cs apply.	View details Compare product selectionCompare	loading
BankSA Vertigo - Cashback Offer	Purchase rate p.a. 13.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 6.99% for 12 months with 0% balance transfer fee, then 21.99%	Annual fee $84	Get $75 cashback each month when you spend at least $1,000/month for the first 6 months from approval (up to $450 cashback). T&Cs apply.	View details Compare product selectionCompare	loading

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Congratulations, BankSA!

BankSA was a big winner in the 2026 Finder Awards.

Highly Commended, Best Balance Transfer Credit Card: BankSA Vertigo
Highly Commended, Best Velocity Frequent Flyer Credit Card: BankSA Amplify Rewards Signature
Highly Commended, Best Rewards Credit Card: BankSA Amplify Rewards Signature
Winner, Best Low Interest Business Credit Card: BankSA Visa Business Credit Card

Full list of 2026 credit cards winners

Benefits of getting a credit card with BankSA

Each BankSA credit card offers its own features, but here's a look at some key ones available on most of these cards:

Mobile wallets

You can add a BankSA credit card to Apple Pay, Google Pay or Samsung Pay, then pay straight from your mobile phone or device.

My Offers Hub

A personal BankSA card gives you access to discounts and offers with brands such as rebel, Priceline and THE ICONIC through the My Offers Hub. To see the latest deals, you just have to log in to your mobile or internet bank account and go to the "My offers and benefits" section. You can also opt-in to get emailed offers by updating your marketing preferences via internet banking.

Instalment plans

BankSA offers 0% interest instalment plans that you can set up to pay off new purchases or part of your balance over 3, 6 or 12 months. Known as Plan&Pay, you can set up an instalment plan for any credit card purchase over $200 that you've made in the previous 30 days or to pay off an eligible card's balance. You can also cancel a plan at any time. While there's no interest for these instalment plans, you'll pay an upfront fee of 1% for a 3-month plan, 2% for 6-month plans and 4% for 12-month plans.

Complimentary insurance

BankSA's platinum and business credit cards come with different types of complimentary insurance covers. Depending on the card you choose, this can include complimentary travel insurance, purchase insurances and business inconvenience cover.

Westpac Group ATM alliance

As a BankSA cardholder, you can use any of over 3,000 Westpac Group ATMs in Australia for free, which include BankSA, Westpac, St.George, and Bank of Melbourne ATMs. Internationally, the Westpac Group ATM alliance comprises of around 50,000 ATMs, with institutions like Bank of America, Barclays, and Deutsche Bank. Just keep in mind that using a BankSA credit card to withdraw cash will attract a cash advance fee and interest charges.

Account management

You can view and manage your account information through BankSA's online and mobile banking platforms. Features include checking your balance, making payments, activating new credit cards and putting a temporary lock on your card for security.

How to apply for a BankSA credit card

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

Frequently asked questions

BankSA began operations in 1848, in the form of the Savings Bank of South Australia. It became a part of the Westpac Group in 2008. BankSA now ranks as the largest financial institution in South Australia, and is the region’s primary issuer of personal finance, housing, and rural banking services.
BankSA’s range of financial products and services include transaction accounts, savings accounts, term deposits, personal loans, home loans, insurance and investment solutions, and a variety of credit cards. The credit cards on offer come with certain distinct features, giving you the ability to select one that best suits your needs.

Compare other products from BankSA

Sources

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Written by

Amy Bradney-George

Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

Amy's expertise

Amy has written 471 Finder guides across topics including:

Credit cards
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BNPL
Money management
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14 Responses

TerryMay 1, 2023

What is the best option for a pensioner only wanting 500 or 700 credit card on centrelink benefits plus some cash part time income

Finder

AmyMay 4, 2023Finder

Hi Terry,
You can compare credit cards suited to pensioners in Finder’s guide, including some with minimum credit limits starting from $500. I hope that helps.

natividadJuly 21, 2015

I am only on a senior pension with commonwealth and I think I have 11,000 annual income and a proof of age as id will I be approve

Finder

SallyJuly 24, 2015Finder

Hi Natividad,

Thank you for your comment.

Please have a look for the minimum income requirement at the bottom of each card’s review page. This will let you know whether you’re eligible to apply for the card. It doesn’t matter whether you’re employed, on a pension or receiving your income from assets like property, if you meet the income requirement (in addition to the other minimum eligibility requirements) then you can apply for a card. For your other question, if you are applying online, there’s an option that you can select if you’re applying without a Driver’s licence.

I hope this helps.

Thanks,

Sally

FranJanuary 13, 2015

I M a current visa cardholder, can I utilise “transfer to the 0% pa for 16 months” idea of course is to pay debt without interest, thanks

Finder

ElizabethJanuary 14, 2015Finder

Hi Fran,

Thanks for your question.

If you meet the eligibility criteria for the BankSA card then you can apply for a balance transfer from up to three [non- St.George, BankSA and Bank of Melbourne], Australian issued credit, charge or store cards at the time of application.

I hope this has helped.

Thanks,

Elizabeth

JohnAugust 14, 2013

I’m a caterer and receive a pension with very little outgoing to pay I want a credit card that can suit me

Finder

JacobAugust 14, 2013Finder

Hi John,

Please have a look at the minimum income requirement at the bottom of each card’s review page. You’ll find information on how much you have to have to come in to apply for the card. Generally, it shouldn’t matter whether you’re employed full time, on a pension or receiving your income from assets like property, if you meet the income requirement (in addition to the other minimum eligibility requirements) then you can apply for a card.

For more information on choosing a credit card, please read through the article and comparison to see some options for you.

Thanks for your question.

Cheers,
Jacob

lenJuly 17, 2013

Can I open a visa card with a limit of $300 (to safeguard a 90 year old)?
Len.

Finder

JacobJuly 17, 2013Finder

Hi Len. Please check the card’s review page for information on minimum eligibility requirements. This will let you know whether you’re eligible to apply for the card. The minimum credit limit for most cards is $500. Thanks for your question. Jacob.

BankSA Credit Cards

BankSA offers a range of personal and business credit cards with features including low rates, rewards and balance transfer offers.