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BankSA Credit Cards

BankSA offers a range of personal and business credit cards with features including low rates, rewards and balance transfer offers.

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BankSA

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 28 months with 1% balance transfer fee, then 21.49%
Annual fee
$55
More Info
Offers 0% p.a. for 28 months on balance transfers (with a one-time 1% 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.
N/A
Annual fee
$0
More Info
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
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
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 Qantas Platinum
Qantas Frequent Flyer
Purchase rate p.a.
19.49%
Bonus points
70,000
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
Receive up to 70,000 bonus Qantas Points (60k points when you spend $3,000 within the first 90 days and 10k after the first spend in year 2).
BankSA Amplify Qantas Signature
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
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
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.
N/A
Annual fee
$0 first year ($89 after)
More Info
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.
N/A
Annual fee
$55
More Info
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.

Have a question about your application? Call BankSA on 13 13 76.

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:

Frequently asked questions

More guides on Finder

  • BankSA Vertigo – Cashback Offer

    The BankSA Vertigo card offers up to $400 cashback and a low ongoing purchase interest rate.

  • BankSA Amplify Platinum Credit Card

    The BankSA Amplify Platinum is a rewards card that offers 100,000 bonus Amplify Points, a 0% p.a. balance transfer offer and complimentary insurance. Is it right for you?

  • BankSA Amplify Qantas Signature Card

    BankSA's Amplify Qantas Signature card offers 90,000 bonus Qantas Points, complimentary insurances, Qantas Lounge invitations and more. Here's a full rundown of what you can get.

  • BankSA Amplify Qantas Platinum

    BankSA's mid-tier rewards card offers 0.5 Qantas Points per $1 spent and complimentary insurance – take a look at its other features here.

  • BankSA Amplify Business Credit Card

    Reward your business spending with bonus Amplify or Qantas points, a $0 first-year annual fee and complimentary insurances with the BankSA Amplify Business credit card.

  • BankSA Visa Business Credit Card

    Features on the BankSA Visa Business card include joint and several liability, unauthorised transaction insurance and a 9.99% p.a. variable purchase rate.

  • BankSA Amplify Signature Credit Card

    The BankSA Amplify Signature is a premium credit card that offers 150,000 bonus points, airport lounge invitations and complimentary travel insurance. Get full details here.

  • BankSA credit card complimentary travel insurance

    With options for medical emergencies, flight delays, cancellations and more, here’s what you need to know about BankSA credit card insurance.

  • BankSA No Annual Fee Card

    Cut your credit card costs with a $0 annual fee with the BankSA No Annual Fee credit card.

  • BankSA Vertigo Credit Card

    This BankSA credit card offers a 0% introductory interest rate for the first 28 months on balance transfers (with a 1% BT fee), plus a low annual fee. Is it right for you?

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14 Responses

    Default Gravatar
    TerryMay 1, 2023

    What is the best option for a pensioner only wanting 500 or 700 credit card on centrelink benefits plus some cash part time income

    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

      AvatarFinder
      SallyJuly 24, 2015Finder

      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

    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

      AvatarFinder
      ElizabethJanuary 14, 2015Finder

      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

    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

      AvatarFinder
      JacobAugust 14, 2013Finder

      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

    Default Gravatar
    lenJuly 17, 2013

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

      AvatarFinder
      JacobJuly 17, 2013Finder

      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.

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