BankSA credit cards are designed to suit many different needs, with low rate and no annual fee cards, rewards options and cards with premium features available. Cardholders can also enjoy introductory offers such as bonus points or a promotional 0% interest rate for balance transfers or purchases. Use this guide to compare BankSA credit cards, apply online and learn more about the features and benefits available.
BankSA Credit Card Offer
BankSA Amplify Signature
Earn up to 200,000 bonus Amplify Points Discounted $139 first year annual fee
Offer ends 12 February 2020
Eligibility criteria, terms and conditions, fees and charges apply
BankSA Credit Card Offer
Receive up to 200,000 bonus Amplify Points when you meet the spend requirement. Plus, 1.5 Qantas Points per $1 spent and complimentary insurance covers.
Up to 200,000 bonus Amplify Points (130k in the first year & 70k in the second year) when you spend $12k / year for the first 2 years.
$139 annual fee for the first year ($279 p.a. thereafter)
Whether you want to cut costs with low annual fees and interest rates, repay an existing debt with a promotional balance transfer offer or earn rewards as you spend, you can learn more about the different types of credit cards offered by BankSA to find one that suits you below:
Low rate credit cards
The BankSA Vertigo and BankSA Vertigo Platinum credit cards offer low standard variable interest rates that can help you save on credit card costs. The platinum card also comes with extras like complimentary insurance covers and concierge service access. 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.
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 Google Pay or Samsung Pay and use your eligible smartphone or smartwatch 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.
BankSA starts by sending you an email to confirm having received your application, and it informs you of the application’s status soon after. If the bank offers a conditional approval you might have to furnish further documents to prove your income or identity. Once approved, you can expect to receive your new card in 5 to 10 business days.
Yes, while BankSA is based in South Australia, BankSA credit cards are available to anyone that lives in Australia and meets the eligibility criteria. If you're not near a BankSA branch, you can apply online and manage your account through phone, Internet and mobile banking.
No, you can stay with your current bank for all your other accounts. You'll just have a separate account for your BankSA credit card.
If a card is offering a low or no interest balance transfer for a promotional period, you can request to do a balance transfer when you're applying for the card. You may need to apply before an offer end date to take advantage of the offer. You can transfer up to 80% of your new BankSA credit card’s credit limit. The introductory balance transfer period will start as soon as the card is approved.
Yes, you can request an additional card for anyone who is at least 16 years of age.
You can make credit card payments via online and mobile banking, BPAY, BankSA branches and mail.
Yes, you can. To qualify for an increase in credit limit, you would have to meet the bank’s lending criteria.
BankSA began operations in 1848, in the form of the Savings Bank of South Australia. It became a part of the Westpac Group in 2008. BankSA now ranks as the largest financial institution in South Australia, and is the region’s primary issuer of personal finance, housing, and rural banking services.
BankSA’s range of financial products and services include transaction accounts, savings accounts, term deposits, personal loans, home loans, insurance and investment solutions, and a variety of credit cards. The credit cards on offer come with certain distinct features, giving you the ability to select one that best suits your needs.
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.
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.
Please have a look for the minimum income requirement at the bottom of each card’s review page. You’ll find information on how much you have to have coming 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.
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.
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.
Hi Moses. Thanks for writing into 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 visa can also apply for some of the products listed on our site, it’s something that will need to be done in person. You can find more information about credit cards for temporary residents on this page. I hope this helps. Jacob.
My pensioner income is $18,000pa plus casual extra approximately $3000pa.I would like to apply for a C/Card balance transfer of $4900. Westpac card to your SA Vertigo. Would this business be conducted through St George Bank branches? Awaiting your response,Regards,
Application and balance transfers to the BankSA Vertigo can be carried out over the phone, internet or at a branch. If you wish to apply at a branch in a state where there are no BankSA branches, then this would need to be carried out at a St George branch, and in this case would mean you’d receive a St George Vertigo credit card.
* The credit card offers compared on this page are chosen from a range of credit
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subject to our disclaimer.
You should consider seeking independent financial advice and consider your own
personal financial circumstances when comparing cards.
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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
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
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
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
I’m a caterer and receive a pension with very little outgoing to pay I want a credit card that can suit me
Hi John.
Please have a look for the minimum income requirement at the bottom of each card’s review page. You’ll find information on how much you have to have coming 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 have a look at our guide on the topic on this page.
Thanks for your question.
Can I open a visa card with a limit of $300 (to safeguard a 90 year old)?
Len.
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.
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.
Hi Moses. Thanks for writing into 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 visa can also apply for some of the products listed on our site, it’s something that will need to be done in person. You can find more information about credit cards for temporary residents on this page. I hope this helps. Jacob.
My pensioner income is $18,000pa plus casual extra approximately $3000pa.I would like to apply for a C/Card balance transfer of $4900. Westpac card to your SA Vertigo. Would this business be conducted through St George Bank branches? Awaiting your response,Regards,
Hello Brian,
thanks for the question.
Application and balance transfers to the BankSA Vertigo can be carried out over the phone, internet or at a branch. If you wish to apply at a branch in a state where there are no BankSA branches, then this would need to be carried out at a St George branch, and in this case would mean you’d receive a St George Vertigo credit card.
I hope this helps,
Marc.