BankSA Vertigo – Cashback Offer

The BankSA Vertigo offers a competitive $300 cashback and $0 annual fee in the first year, plus basic and low-cost features.

The BankSA Vertigo is a low rate credit card, with a variable 13.99% p.a. interest rate on purchases and a $55 annual fee that’s waived in the first year with this offer.

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Product NameBankSA Vertigo - Cashback Offer
Balance transfer rate6.99% p.a. for 12 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 applicationYes - Conditions apply


  • $300 cashback offer
  • $0 annual fee for the first year
  • Competitive purchase interest rate of 13.99% p.a.
  • Additional cardholder at no extra cost


  • No rewards program
  • Does not offer travel perks or insurance covers
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 fee2% or $2.50, whichever is greater
Overseas cash advance fee2% or $2.50, whichever is greater
Additional cardholder fee$0
Number of additional cardholders1

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

  • Residency. To apply online, you must be an Australian citizen or permanent resident.
  • Age. You must be at least 18 years old to apply.

Card benefits

  • $300 cashback. You'll get $300 back to your new BankSA Vertigo card when you apply by 30 November 2021, are approved and spend $4,000 on eligible purchases within the first 120 days from card approval. Eligible spending covers most everyday purchases. Transactions that won't count towards this spend requirement include BPAY payments, cash advance transactions, government charges, balance transfers and account fees and charges. The $300 will be added as a statement credit on your Vertigo account within 60 days of meeting the offer requirements.
  • $0 annual fee in the first year. The annual fee is waived for the first year when you apply and get approved for this card by 30 November 2021. After the first year, the $55 annual fee applies.

Rates & fees

  • Annual fee. Outside of any promotions, the BankSA Vertigo card charges an annual fee of $55.
  • Purchase interest rate. This card offers a variable interest rate of 13.99% on purchases which is 5.95% lower than the average standard variable rate for credit cards in Australia.

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

If you're looking for a card you can use to save on costs, the BankSA Vertigo card offers a $0 annual fee for the first year, plus it comes with a 13.99% interest rate on purchases that's competitive with other low rate credit cards. For the tech-savvy, you can also use this card to make contactless payments with Google Pay, Apple Pay and Samsung Pay.

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