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BankSA Credit Cards

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

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BankSA

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 Platinum - Qantas

Receive 60,000 bonus Qantas Points when you meet the spend requirement

Offer ends 30 September 2020

Eligibility criteria, terms and conditions, fees and charges apply

BankSA Credit Card Offer

Receive 60,000 bonus Qantas Points and enjoy platinum perks including complimentary travel and purchase insurances.

  • 60,000 bonus Qantas Points when you spend $2,000 within 90 days
  • 0.5 Qantas Points per $1 spent on eligible purchases, uncapped
  • Purchase rate of 19.74% p.a. and cash advance rate of 21.49% p.a.
  • Balance transfer rate of 0% for the first 6 months
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Compare BankSA Credit Cards

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
BankSA Amplify Platinum - Qantas
BankSA Amplify Platinum - Qantas
19.74% p.a.
0% p.a. for 6 months
$99
Receive 60,000 bonus Qantas Points when you spend $2,000 within 90 days and earn up to 0.5 Qantas Points per $1 spent. Ends 30 Sept 2020.
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More Info
BankSA Amplify Signature
Finder Award
BankSA Amplify Signature
19.74% p.a.
0% p.a. for 6 months
$139 annual fee for the first year ($279 p.a. thereafter)
Up to 200,000 bonus points (130k in the first year & 70k in the second year) when you spend $12k/year for the first 2 years. Ends 30 Sept 2020.
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More Info
BankSA No Annual Fee
BankSA No Annual Fee
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$0
Offers 0% p.a. on balance transfers for 12 months, up to 55 days interest-free on purchases and an ongoing $0 annual fee. Ends 30 Sept 2020.
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More Info
BankSA Amplify Platinum
BankSA Amplify Platinum
0% for 7 months, reverts to 19.74% p.a.
0% p.a. for 22 months with 1.5% balance transfer fee
$0 annual fee for the first year ($99 p.a. thereafter)
Save with a 0% p.a. for up to 22 months on balance transfers and up to 7 months on purchases. Plus a $0 first-year annual fee. Ends 30 Sept 2020.
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More Info
BankSA Vertigo
BankSA Vertigo
0% for 7 months, reverts to 13.99% p.a.
0% p.a. for 22 months with 1.5% balance transfer fee
$0 annual fee for the first year ($55 p.a. thereafter)
Enjoy a 0% p.a. for up to 22 months on balance transfers and up to 7 months on purchases. Plus, $0 first-year annual fee. Ends 30 Sept 2020.
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BankSA Vertigo Platinum
BankSA Vertigo Platinum
12.99% p.a.
6.99% p.a. for 12 months
$99
Save with a low ongoing 12.99% p.a. purchase interest rate and enjoy complimentary overseas travel insurance.
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BankSA Amplify
BankSA Amplify
19.74% p.a.
6.99% p.a. for 12 months
$79
Earn your choice of 1 Amplify or 0.5 Qantas Points per dollar spent, plus up to 55 days interest-free on purchases.
More Info
BankSA Amplify Signature - Qantas
BankSA Amplify Signature - Qantas
19.74% p.a.
0% p.a. for 6 months
$279
Get 90,000 bonus Qantas Points when you spend $6,000 within 90 days. Plus, complimentary lounge passes.
More Info
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 for the first year. Plus, enjoy complimentary insurance covers.
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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 BankSA credit cards

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 complimentary insurance covers. 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 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

  1. 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
  2. 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
  3. 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 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.

      Reply
  4. 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
  5. 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 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.

      Reply
  6. Default Gravatar
    BrianMarch 8, 2013

    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,

    Reply
    • Avatarfinder Customer Care
      MarcMarch 12, 2013Staff

      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.

      Reply

Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Skye Mastercard - Exclusive Offer
Skye Mastercard - Exclusive Offer
23.99% p.a.
0% p.a. for 25 months
$99
Finder Exclusive
Save with 0% p.a. on balance transfers for 25 months, up to 110 days interest-free on purchases and flexible instalment plan options.
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More Info
ANZ Low Rate - Exclusive Offer
ANZ Low Rate - Exclusive Offer
12.49% p.a.
0% p.a. for 25 months with 1.5% balance transfer fee
$0 annual fee for the first year ($58 p.a. thereafter)
Finder Exclusive
Save with 0% p.a. on balance transfers for 25 months (with a 1.5% BT fee) and $0 first year annual fee.
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More Info
NAB Qantas Rewards Signature Card
Finder Award
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 annual fee for the first year ($395 p.a. thereafter)
Collect up to 130,000 bonus Qantas Points. Get 100k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.
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More Info
ANZ Platinum Credit Card
ANZ Platinum Credit Card
0% for 17 months, reverts to 20.24% p.a.
20.24% p.a.
$0 annual fee for the first year ($87 p.a. thereafter)
Receive a 0% purchase rate offer for 17 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.
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More Info
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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are 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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