BankSA Credit Cards

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 anyone can apply for a BankSA credit card, then manage it through internet and mobile banking. Its range includes rewards and frequent flyer cards, low rate, no annual fee and balance transfer options.

Compare BankSA Credit Cards

Name	Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
BankSA Vertigo	Purchase rate p.a. 13.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 32 months, then 21.49%	Annual fee $55	More Info Compare	Offers 0% p.a. for 32 months on balance transfers (with no balance transfer fee).
BankSA No Annual Fee	Purchase rate p.a. 20.74%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a.	Annual fee $0	More Info Compare	Save with an ongoing $0 annual fee for life. Plus, a low minimum credit limit.
BankSA Amplify Signature Amplify Rewards	Purchase rate p.a. 19.49%	Bonus points 150,000	Points per $ spent 1.5	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 24 months with 1% balance transfer fee, then 21.49%	Annual fee $199 first year ($295 after)	More Info Compare	150,000 bonus Amplify Points when you spend $12,000 in the first 12 months. Plus, a reduced first-year annual fee.
BankSA Amplify Platinum Amplify Rewards	Purchase rate p.a. 19.49%	Bonus points 100,000	Points per $ spent 1	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 24 months with 1% balance transfer fee, then 21.49%	Annual fee $49 first year ($124 after)	More Info Compare	Earn 100,000 bonus Amplify Points (worth $450 in gift cards) when you spend $3,000 in the first 90 days. Plus, a $49 first-year annual fee.
BankSA Amplify Platinum - Qantas Qantas Frequent Flyer	Purchase rate p.a. 19.49%	Bonus points 60,000	Points per $ spent 0.5	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 24 months with 1% balance transfer fee, then 21.49%	Annual fee $174 first year ($199 after)	More Info Compare	Receive 60,000 bonus Qantas Points when you spend $3,000 within the first 90 days and a discounted first-year annual fee.
BankSA Amplify Signature - Qantas Qantas Frequent Flyer	Purchase rate p.a. 19.49%	Bonus points 90,000	Points per $ spent 0.75	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 24 months with 1% balance transfer fee, then 21.49%	Annual fee $370	More Info Compare	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.
BankSA Vertigo - Cashback Offer	Purchase rate p.a. 13.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 6.99% for 12 months, then 21.49%	Annual fee $55	More Info Compare	Receive up to $400 cashback when you use your card at any eligible and petrol outlets within 180 days from approval. Plus, a competitive purchase interest rate.
BankSA Amplify Business Credit Card Amplify Rewards / Qantas Frequent Flyer	Purchase rate p.a. 19.49%	Bonus points N/A	Points per $ spent 1	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a.	Annual fee $0 first year ($89 after)	More Info Compare	Save with a $0 annual fee in the first year and earn uncapped rewards points on business purchases.
BankSA Visa Business Credit Card	Purchase rate p.a. 9.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a.	Annual fee $55	More Info Compare	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 3 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

The BankSA No Annual Fee Credit Card offers an ongoing $0 p.a. annual fee, which can save you around $30 to $400 or more compared to some other credit cards that have annual fees.

• 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.

Benefits of getting a credit card with BankSA

Each BankSA credit card offers its own features, but here's a look at some key ones available on most of these cards:

• Mobile wallets

You can add a BankSA credit card to Apple Pay, Google Pay or Samsung Pay, then pay straight from your mobile phone or device.

• My Offers Hub

A personal BankSA card gives you access to discounts and offers with brands such as rebel, Priceline and THE ICONIC through the My Offers Hub. To see the latest deals, you just have to log in to your mobile or internet bank account and go to the "My offers and benefits" section. You can also opt-in to get emailed offers by updating your marketing preferences via internet banking.

• Instalment plans

BankSA offers 0% interest instalment plans that you can set up to pay off new purchases or part of your balance over 3, 6 or 12 months. Known as Plan&Pay, you can set up an instalment plan for any credit card purchase over $200 that you've made in the previous 30 days or to pay off an eligible card's balance. You can also cancel a plan at any time. While there's no interest for these instalment plans, you'll pay an upfront fee of 1% for a 3-month plan, 2% for 6-month plans and 4% for 12-month plans.

• Complimentary insurance

BankSA's platinum and business credit cards come with different types of complimentary insurance covers. Depending on the card you choose, this can include complimentary travel insurance, purchase insurances and business inconvenience cover.

• 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. Just keep in mind that using a BankSA credit card to withdraw cash will attract a cash advance fee and interest charges.

• Account management

You can view and manage your account information through BankSA's online and mobile banking platforms. Features include checking your balance, making payments, activating new credit cards and putting a temporary lock on your card for security.

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

• Residency. You must be an Australian citizen or a permanent Australian resident.
• Income. You must have a regular income that's taxable in Australia and which BankSA can verify when you apply.
• Age.You must be at least 18 years old.

Information and documents you need to apply

• Personal information. This includes your full name, date of birth, residential address, email address and contact number. You also need to provide a valid form of ID, such as your driver's licence, Medicare card, passport or Australian birth certificate.
• Employment information. Provide details of your current employment circumstances, such as your role, salary and your employer's name and contact details.
• Other financial information. This includes any other form of income you receive, as well as assets such as savings or investments. You'll also need to provide details of any debts or existing credit card accounts, as well as ongoing expenses such as rent, bills and groceries.

Credit card details

During the application, you may be asked about these key details for your new BankSA credit card:

• Credit limit. If you have a credit limit in mind for the credit card, you can include a request for that amount as part of the application. Just keep in mind that this is subject to BankSA's lending criteria and assessment, so in some cases, the actual limit you get could be lower than the one you requested.
• Balance transfer details. If you want to take advantage of a balance transfer offer on a BankSA credit card, you will need to provide details of the existing debt, including the account number, the financial institution and the amount you want to transfer.

What happens after you apply?

You'll get a response within 60 seconds of submitting your application online, and BankSA will contact you by email, phone or text message if any more details are needed.

If you're approved, you'll get your new credit card in the mail and can activate it through internet or mobile banking.

Credit card brands similar to BankSA

If you want a credit card from a large bank that's not one or the Big Four – or if you want one based in SA – here are 3 other credit card providers you could compare with BankSA:

• St.George credit cards
• Beyond Bank credit cards
• Bendigo Bank credit cards

Frequently asked questions

• Can I get a BankSA credit card if I live in another state?

  Yes, while BankSA is based in South Australia, these 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.

• Do I need to change banks if I get a BankSA credit card?

  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.

• Does BankSA provide additional cards?

  Yes, you can request an additional card for anyone who is at least 16 years of age.

• How can I make repayments towards my BankSA credit card account?

  You can make credit card payments via online and mobile banking, BPAY, BankSA branches and mail.

• Can I request for an increase in my card’s credit limit?

  Yes, you can. To qualify for an increase in credit limit, you would have to meet the bank’s lending criteria.

• What is the history of BankSA?

  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.

Contact details and related links

• BankSA personal banking phone: 13 13 76
• BankSA business banking phone number:
  1800 804 411
• BankSA savings and bank accounts