BankSA Vertigo Platinum credit card review | Finder

BankSA Vertigo Platinum

Last updated:  

Enjoy platinum benefits and up to 55 interest-free days with the BankSA Vertigo Platinum.

The Vertigo Platinum is BankSA’s premium low rate credit card, boasting a low 12.99% p.a. purchase interest rate and platinum perks, including complimentary travel and purchase insurance.

6.99% p.a.

Balance transfer rate

for 12 months

12.99% p.a.

Purchase rate

$99 p.a.

Annual fee

55 days

Interest free period

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!


Product NameBankSA Vertigo Platinum
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 rate12.99% p.a.
Annual fee$99
Interest-free periodUp to 55 days on purchases
Cash advance rate21.49% p.a.
Min credit limit$6,000
Max credit limit$80,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • Low interest rate of 12.99% p.a. for purchases
  • Complimentary insurance covers including overseas travel and extended warranty for purchases


  • Does not offer any rewards program for your spending
  • Charges a 3% foreign currency conversion fee
Bonus pointsN/A
Annual fee$99
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 cardholders3

Expert review


Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The BankSA Vertigo Platinum Card currently has one of the lower interest rates on the market for a platinum card and offers up to 55 days interest-free on new purchases.

In addition to the money-saving features, you'll also be covered with travel insurance, purchase insurance, extended warranty and price guarantee scheme.

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

  • Overseas travel insurance. You can travel with peace of mind thanks to complimentary travel insurance that covers medical expenses, unexpected cancellation and rental vehicle excess. The policy covers you, your spouse and any dependent children travelling with you for up to 6 months of travel so long as you meet the eligibility criteria.
  • Purchase cover insurance. Purchase cover insurance is designed to provide 4 months protection against the theft, loss or damage of selected new purchases.

Rates & fees

  • Annual fee. The BankSA Vertigo Platinum charges an annual fee of $99 p.a.
  • Interest rates. This card charges a 12.99% p.a. variable purchase rate and a 21.49% p.a. variable cash advance rate.

Ask an expert

To ask a question simply log in via your email or create an account.

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.


    Default Gravatar
    October 18, 2019

    What is the maximum credit limit I can have?

      Default Gravatar
      October 18, 2019

      Hi Lee,

      Thanks for your comment.

      The BankSA Vertigo Platinum minimum credit limit is $6000. Your credit limit will be given based on your qualifications and how you fit their criteria. As a friendly reminder, check the eligibility requirements of the card before proceeding with your application. Also, read about its features and benefits and see how it fits your financial needs. Additionally, it’s helpful to review the PDS and Terms & Conditions of the card before fully committing to the card. You may also reach out to the bank if you have any clarifications.

      Hope this helps and feel free to reach out to us again for further assistance.


    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?

      Avatarfinder Customer Care
      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.


    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 ?

      Avatarfinder Customer Care
      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 our guide in moving your debt and transferring balances from your partner’s credit card.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.


    Default Gravatar
    October 1, 2014

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

      Avatarfinder Customer Care
      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.



Go to site