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
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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:
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.
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.
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.
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.
- 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
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
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 Signature Qantas Card
BankSA's Amplify Signature Qantas 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 Platinum – Qantas
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 32 months on balance transfers, plus a low annual fee. Is it right for you?
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