Compare BankSA credit cards with features including low rates, rewards and balance transfer offers.
BankSA offers credit cards to suit a wide range of needs, including low rate and no annual fee cards, rewards options and cards with premium features. Depending on when you apply for a BankSA credit card, you could 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 card options and learn more about the features and benefits available.
0% p.a. for 18 months on balance transfers
with a one-time 2% balance transfer fee
Offer ends 22 November 2017
Eligibility criteria, terms and conditions, fees and charges apply
BankSA Credit Card Offer
The BankSA Vertigo Visa is a no frills low rate credit card which offers 0% p.a. on balance transfers and a competitive annual fee.
- $55 p.a. annual fee.
- 13.24% p.a. on purchases
- 0.00% p.a. for 18 months with 2% BT fee on balance transfers
- Cash advance rate of 21.49% p.a.
- Up to 55 days interest free
Comparison of BankSA Credit Cards
Types BankSA credit cards
BankSA offers credit cards to suit different spending habits and goals. If you want to save on credit card costs, for example, you might want to look at BankSA low rate or no annual fee credit cards. On the other hand, you could look at the BankSA Amplify and Amplify Qantas credit cards if you're interested in rewards and complimentary extras. Here, you can find a rundown of the different BankSA credit card options to help you compare cards that suit your needs.
Low rate credit cards
A typical low rate card is one that charges a low ongoing interest rate on purchases, and BankSA Vertigo Visa and BankSA Vertigo Platinum cards fall within this bracket. The platinum card also comes with extras like complimentary insurance covers and concierge service access.
Rewards credit cards
A rewards card is one that rewards cardholders in accordance to how much money they spend on purchases. BankSA gives you the option to choose between three such cards - the Amplify card, the Amplify Platinum card, 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. These cards often come with a balance transfer offer, and you can look forward to added benefits with Platinum and Signature cards.
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. This card comes with a promotional balance transfer rate and interest free days on purchases.
What are the benefits of banking with BankSA?
No matter which credit card you choose, there are certain benefits you can look forward to banking with BankSA, and here’s what you can expect:
BankSA credit cards come with Visa affiliations, so you can use your card just about anywhere you find the Visa logo in the world. Visa’s payWave technology gives you the ability to use your card to make contactless payments for purchases and Verified by Visa provides additional safety in the online world. Visa’s Zero Liability policy also ensures you don’t have to pay for fraudulent transactions made using your card.
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.
- You’re an Australian citizen or a permanent Australian resident.
- You’re at least 18 years old.
- You don’t have poor credit history.
- 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.
What happens after I apply for a BankSA credit card?
How do I make use of the introductory balance transfer rate?
Does BankSA provide additional cards?
Yes, it does. 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?
Can I request for an increase in my card’s credit limit?
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.