BankSA Vertigo Platinum

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Enjoy platinum benefits and 0% interest on purchases for 15 months, plus, a reduced first year annual fee with the BankSA Vertigo Platinum.

The Vertigo Platinum is BankSA’s premium low rate credit card, boasting a long-term 0% purchase interest rate promotion and platinum perks.

0% p.a.

Purchase rate

for the first 15 months (reverts to 12.99% p.a.)

$49 p.a.

Annual fee

for the first year ($99 p.a. thereafter)

55 days

Interest free period


Product NameBankSA Vertigo Platinum
Balance Transfer Limit80% of available balance
Purchase Rate0% for 15 months (reverts to 12.99% p.a.)
Annual Fee$49 for the first year ($99 thereafter)
Interest Free Period55 days
Cash Advance Rate21.49% p.a.
Minimum Credit Limit$6,000
Maximum Credit Limit$80,000
Card TypeVisa
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
Complimentary Travel InsuranceYes
Minimum Age18 years of age
Available to Temporary ResidentsNo
Joint ApplicationYes


  • 0% p.a. interest on purchases for the first 15 months
  • Discounted annual fee of $49 for the first year
  • Complimentary insurance covers including overseas travel and extended warranty for purchases


  • Does not offer any rewards program for your spending
  • Charges a 3% of transaction value foreign currency conversion fee
Annual Fee$49 for the first year ($99 thereafter)
Minimum Monthly Repayment2% of the closing balance or $10, whichever is greater
Late Payment Fee$15
Foreign Currency Conversion Fee (Visa/Mastercard)3% of transaction value
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 Cardholders3

Expert review

Sally McMullen

Review by

Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.

Expert review

The BankSA Vertigo Platinum Card currently has one of the longer 0% purchase rate promotions on the market. This gives you more breathing room to pay off your purchases before being charged interest.

After the purchase rate promotion ends, this card still features a competitively low purchase interest rate, especially for a platinum card that includes complimentary insurance covers.

How to apply

You can apply for the BankSA Vertigo Platinum card online in 10 minutes and receive a response instantly. Before you get started, check if you meet the eligibility requirements and have the necessary information to complete the application.

Eligibility criteria

  • Residency. In order to apply online, you must be a permanent Australian resident or citizen.
  • Credit history. You must also have a good credit history and credit score.

Card benefits

  • 0% purchase rate offer. You can save with a 0% p.a. interest rate on purchases for the first 15 months when you apply and get approved by 12 February 2020. A low variable purchase rate of 12.99% p.a. applies after the introductory period.
  • Discounted first year annual fee. Take advantage of a reduced annual fee of $49 for the first year when you apply and get approved by 12 February 2020. The standard annual fee of $99 will apply thereafter.

Rates & fees

  • Annual fee. Outside of any promotions, the BankSA Vertigo Platinum charges an annual fee of $99.
  • Interest rates. Outside of any introductory rates, the Vertigo Platinum charges a 12.99% p.a. variable purchase rate and a 21.49% p.a. variable cash advance rate.

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  1. Default Gravatar
    April 21, 2016

    Hi, I just want to perform a balance transfer from commonwealth to bankSA (vertigo platinum). Just wondering, my credit balance from commonwealth is more then the vertigo platinum card limit which i have at BankSA. Can I still be able to do it?

    • AvatarStaff
      April 21, 2016

      Hi Shiba,

      Thanks for your inquiry.

      Transferring a balance from your Commonwealth bank credit card to a BankSA Vertigo Platinum card is eligible. However, please note that you can only transfer a minimum of $200 up to 95% of your approved available credit limit.

      You may also check our comparison of balance transfer credit cards with high credit limits.

      I hope this has helped.


  2. Default Gravatar
    January 20, 2016

    Can my wife apply Vertigo Platinum Credit Card card and perform a balance transfer of my (husband) credit card into her new Vertigo Platinum Credit Card ?

    • AvatarStaff
      January 20, 2016

      Hi Donzay,

      Thank you for your inquiry.

      Yes, balance transfer between any two people’s names is accepted as long as it is not from Westpac Group (BankSA, Bank of Melbourne, St.George). You may refer to this page for more information about transferring balances from your partner’s credit card.



  3. Default Gravatar
    October 1, 2014

    how is the complimentary travel insurance on this card activated? do you have to purchase travel on the card?

    • AvatarStaff
      October 1, 2014

      Hi Fran,

      Thanks for your question.

      The overseas travel insurance is activated when you, before leaving Australia, have purchased a minimum of $500 worth of prepaid travel costs (such as flights, accommodation, tickets, etc.) on your card and you have return airfare tickets to your destination. The $500 of travel costs applies to each person you want to be covered by the insurance, so if you want you and your partner covered you will need to purchase $1000 worth of prepaid travel expenses on your card.

      Hope this has helped.



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