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BankSA

BankSA Credit Cards

Compare BankSA credit cards with features including low rates, rewards and balance transfer offers.

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Amy Bradney-George
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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 offers a competitive mix of credit cards – including rewards and frequent flyer cards, low rate, no annual fee and balance transfer options.

BankSA Credit Card Offer

BankSA Vertigo

0% p.a. for 32 months on balance transfers
Pay $0 annual fee for the first year

Offer ends 24 February 2022

Eligibility criteria, terms and conditions, fees and charges apply

BankSA Credit Card Offer

Save with a 0% p.a. balance transfer offer (with no balance transfer fee) and no annual fee for the first year.

  • 0% p.a. for 32 months on balance transfers, with no balance transfer fee
  • $0 annual fee for the first year (reverts to $55 p.a. thereafter)
  • Purchase rate of 13.99% p.a. and cash advance rate of 21.49% p.a.
  • Compatible with Apple Pay, Google Pay and Samsung Pay
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Compare BankSA Credit Cards

Data updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
BankSA Vertigo
BankSA Vertigo
13.99% p.a.
0% p.a. for 32 months
$0 annual fee for the first year ($55 p.a. thereafter)
Offers 0% p.a. for 32 months on balance transfers (with no balance transfer fee). Plus, a $0 first-year annual fee.
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BankSA No Annual Fee
BankSA No Annual Fee
0% p.a. for 12 months, reverts to 20.74% p.a.
$0
Offers 0% p.a. on purchases for 12 months and an ongoing $0 annual fee.
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BankSA Amplify Signature
BankSA Amplify Signature
19.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$279
Up to 200,000 bonus points (100k first year & 100k second year) - worth $900 in gift cards - when you spend $12,000/yr for the first 2 years.
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BankSA Amplify Platinum
BankSA Amplify Platinum
19.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$49 annual fee for the first year ($99 p.a. thereafter)
Earn 130,000 bonus Amplify Points (worth $550 in gift cards) when you spend $3,000 in the first 90 days. Plus, a $49 first-year annual fee.
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BankSA Vertigo - Purchase Offer
BankSA Vertigo - Purchase Offer
0% p.a. for 18 months, reverts to 13.99% p.a.
$0 annual fee for the first year ($55 p.a. thereafter)
Offers 0% p.a. for 18 months on purchases. Plus, a $0 first-year annual fee.
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More Info
BankSA Amplify Platinum - Qantas
BankSA Amplify Platinum - Qantas
19.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$99
Receive 60,000 bonus Qantas Points when you spend $3,000 within the first 90 days from card approval.
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BankSA Amplify Signature - Qantas
BankSA Amplify Signature - Qantas
19.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$279
Get 90,000 bonus Qantas Points when you spend $6,000 on eligible purchases in the first 90 days. Plus, a 0% balance transfer offer.
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BankSA Amplify Business Credit Card
BankSA Amplify Business Credit Card
19.49% p.a.
$0 annual fee for the first year ($89 p.a. thereafter)
Save with a $0 annual fee in the first year and earn uncapped rewards points on business purchases.
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BankSA Visa Business Credit Card
BankSA Visa Business Credit Card
9.99% p.a.
$55
Manage your cashflow with up to 55 days interest-free on purchases, a low 9.99% p.a. purchase rate and enjoy simpler reporting and Visa benefits.
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Types of BankSA credit cards

  • Low rate credit cards

The BankSA Vertigo credit card offers a low standard variable interest rates that can help you save on credit card costs. BankSA also sometimes offers interest-free offers on purchases for promotional periods.

  • Rewards and frequent flyer credit cards

If you want to earn points for your everyday spending, there are three BankSA credit cards to choose from: the Amplify, the Amplify Platinum and the Amplify Signature card. You can choose to link your card with the Amplify Rewards Program or the Qantas Frequent Flyer program, and then earn reward points as you spend. Some of these cards come with other perks including bonus points, airport lounge passes and complimentary travel insurance.

  • Balance transfer credit cards

If you already have a credit card you want to pay off, a BankSA credit card with a low or 0% balance transfer offer gives you a way to save on interest charges during the introductory period. You can transfer debt from up to 3 Australian credit cards, as long as they are not issued by BankSA, Bank of Melbourne or St.George. At the end of the introductory period, any remaining balance transfer debt attracts the card's cash advance interest rate.

If you're applying for a new BankSA credit card, you can request the balance transfer as part of your application. If you already have a BankSA credit card, you can request a balance transfer by calling BankSA on 13 13 76 or by logging into your online account. Once logged in, click on "Transfer & payments" and then "Pay out a credit card held with another bank" to get started.

  • No annual fee credit cards

If you’re after a card that doesn’t charge any ongoing annual fees, the BankSA No Annual Fee Visa card could be for you. The BankSA Vertigo also charges a low annual fee and BankSA sometimes offers cards with $0 annual fee for the first year.

  • Business credit cards

BankSA business credit cards can be used to manage your work expenses, with features including additional cards for employees, simplified tax reporting and complimentary insurance. The BankSA Visa Business is a low rate option, while the BankSA Amplify Business earns points for eligible spending on the account.

What are the benefits of banking with BankSA?

Here are the features and services you can look forward to if you choose one of these BankSA credit cards:

  • Mobile wallets

Link your BankSA credit card with Apple Pay, Samsung Pay or Google Pay and use your eligible device to tap and pay wherever contactless payments are accepted.

  • Visa perks

You can use your BankSA credit card wherever Visa is accepted. This includes millions of locations in Australia and overseas. You can use Visa payWave technology to make contactless payments and your online purchases will be protected by Verified by Visa. Visa's Zero Liability policy will also offer protection if your card is used to make fraudulent transactions.

  • Complimentary insurance

BankSA's platinum and business credit cards come with a variety of complimentary insurance covers, ranging from complimentary travel insurance and purchase insurance to business inconvenience cover. The insurance available varies between BankSA credit cards, so be sure to check each card's features to find out what complimentary perks are available.

  • 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.

  • Manage your account online

In keeping up with technological advances, BankSA gives its credit cardholders the ability to access account information through its online, mobile and tablet banking platforms. You can use these platforms to transfer funds, pay bills, and schedule payments as well.

How to apply for a BankSA credit card

You can apply by visiting any BankSA branch, over the phone, and online. To apply online, simply complete an online application form, but make sure you meet the eligibility requirements, as mentioned below.

Eligibility criteria

  • You’re an Australian citizen or a permanent Australian resident.
  • You’re at least 18 years old.
  • You don’t have poor credit history.

Required documents

  • Identification documents to prove your identity (Australian driver’s license, Medicare card, passport, Australian birth certificate or NSW Photo Card)
  • Your employer’s name and contact details
  • Details about your income, assets, expenses, and liabilities

BankSA gives its customers various credit card options from which to choose, so finding a card to suit your needs should not be difficult. Bear in mind, though, that you can find similar features in cards offered by other credit cards issuers, so comparing a few before applying will ensure you find the right option for you.

Frequently asked questions

Check the frequently asked questions for answers to common questions about using BankSA credit cards. If you can’t find the answer you’re looking for, don’t hesitate to contact us using the ‘Ask a Question’ form at the bottom of the page.

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12 Responses

    Default Gravatar
    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

    Reply
      Avatarfinder Customer Care
      SallyJuly 24, 2015Staff

      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

      Reply
    Default Gravatar
    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

    Reply
      Avatarfinder Customer Care
      ElizabethJanuary 14, 2015Staff

      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

      Reply
    Default Gravatar
    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

    Reply
      Avatarfinder Customer Care
      JacobAugust 14, 2013Staff

      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

      Reply
    Default Gravatar
    lenJuly 17, 2013

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

    Reply
      Avatarfinder Customer Care
      JacobJuly 17, 2013Staff

      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.

      Reply
    Default Gravatar
    MosesJune 30, 2013

    Hi, my name is Moses, I am a customer with BankSA. I am on a student visa, and was wondering what my chances of getting a loan with you are, and how much? Also, I would like to know what the requirements would be, if i should qualify.

    regards
    Moses.

    Reply
      Avatarfinder Customer Care
      JacobJune 30, 2013Staff

      Hi Moses,

      Thanks for writing to us with your question.

      If you’re on a visa, you may need to speak to the lender directly. The products listed on our site are for permanent Australian residents, and although people on long stay and business visas can also apply for some of the products listed on our site, it’s something that will need to be done in person.

      You may want to check other credit cards for temporary residents.

      I hope this helps.

      Regards,
      Jacob

      Reply
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