BankSA Vertigo Credit Card – Purchase Offer

Offers 0% interest on purchases for 18 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 with simple features. It’s current introductory offer gives you a way to shop interest-free, with a 0% purchase rate for the first 18 months when you apply by 24 February 2022. It also offers a $0 annual fee in the first year (normally $55 per year). At the end of the introductory period, the interest rate for purchases goes to 13.99% p.a. While that is competitive with other low rate cards, you’ll usually get the most value from the introductory offer if you can pay off what you spend during the interest-free period.

0% p.a.

Purchase rate

for the first 18 months (reverts to 13.99% p.a.)

$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 - Purchase Offer
Balance transfer limit80% of available limit
Purchase rate0% p.a. for 18 months, reverts to 13.99% 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 18 months on purchases (13.99% p.a. after)
  • $0 annual fee for the first year
  • Additional cardholder at no extra cost


  • No perks or rewards
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 currently has a long 0% purchase rate offer that gives you a way to shop interest-free for the first 18 months. This is very competitive with other introductory 0% purchase rate offers, which typically last for the first 3 to 18 months. But be aware that you will still need to meet the card’s minimum repayment requirements for each statement, even during the interest-free period.

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 introductory offer is only available when you apply for the BankSA Vertigo credit card as a new cardholder before 24 February 2022.
  • Residency. To apply online, you must be an Australian citizen or permanent resident.

Card benefits

  • 0% purchase rate offer. Pay no interest for the first 18 months on purchases when you apply and get approved for this card by 24 February 2022. At the end of the introductory period, a 13.99% p.a. interest rate applies to purchases. Note that you will still be required to meet minimum repayments during the interest-free period. This amount will be shown as the "Monthly Payment Balance" listed on your account statement (not the full due closing balance) and needs to be paid by the relevant payment date.
  • $0 annual fee in the first year. Apply as a new cardholder by 24 February 2022 and you'll get a $0 annual fee for the first year. After that, a $55 annual fee applies for each year you have this card.
  • Interest-free period. This card offers up to 55 days interest-free on new purchases when you pay your full monthly payment balance listed on your statement by the due date. Note that these interest-free days are separate from any longer-term interest rate promotions and the monthly payment balance excludes current balance transfers.

Rates & fees

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

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