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BankSA Credit Cards

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

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. You could also enjoy introductory offers such as bonus points or a promotional 0% interest rate for balance transfers or purchases depending on when you apply for a BankSA credit card. Use this guide to compare BankSA credit cards and learn more about the features and benefits available.

BankSA Vertigo Visa

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
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Comparison of BankSA Credit Cards

Rates last updated November 19th, 2017
$
% p.a.
Name Product Balance transfer rate (p.a.) Purchase rate (p.a.) Bonus Points Annual fee Amount Saved Product Description
BankSA Vertigo Visa
0% p.a. for 18 months with 2% balance transfer fee
13.24% p.a.
$55 p.a.
Get up to 55 days interest-free on purchases and be protected by a 24/7 fraud monitoring service.
BankSA Vertigo Platinum
0% p.a. for 24 months with 2% balance transfer fee
12.74% p.a.
$99 p.a.
Take advantage of purchase protection, extended warranty and overseas travel insurance, plus a 24/7 concierge.
BankSA Amplify Signature
19.49% p.a.
60,000 bonus points
$279 p.a.
Earn 1.5 Amplify Rewards Points per $1 spent, receive complimentary travel insurance and access to the Visa Luxury Hotel Collection.
BankSA Amplify Platinum
19.49% p.a.
40,000 bonus points
$99 p.a.
Earn 1 Amplify Rewards Point per $1 spent and redeem for a wide range of products including flights.
BankSA Amplify Card
0% p.a. for 18 months with 2% balance transfer fee
19.49% p.a.
$79 p.a.
Earn 1 Amplify Rewards Point per $1 spent and receive up to 55 days interest-free on purchases.
BankSA No Annual Fee Visa
0% p.a. for 12 months with 2% balance transfer fee
20.49% p.a.
$0 p.a.
Receive up to 55 days interest-free on purchases and add up to 3 additional cardholders at no cost.
BankSA Amplify Business Credit Card
0% p.a. for 12 months (reverts to 19.49% p.a.)
$0 p.a. annual fee for the first year ($89 p.a. thereafter)
Earn up to 2 Amplify Rewards Points per $1 spent, plus get the protection of complimentary business inconvenience insurance.
BankSA Visa Business Credit Card
9.99% p.a.
$55 p.a.
Manage your cashflow with up to 55 days interest-free on purchases and enjoy simpler expense reporting and Visa benefits.

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Types BankSA credit cards

BankSA offers credit cards to suit different spending habits and goals. Want to save on your ongoing credit card costs? Check out BankSA low rate and 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

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 extras like complimentary insurance covers and concierge service access.

  • Rewards 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. 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.

  • Business credit cards

BankSA business credit cards are designed to help you 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:

  • Visa perks

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.

  • 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 the 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.

BankSA starts by sending you an email to confirm having received your application, and it informs you of the application’s status soon after. If the bank offers a conditional approval you might have to furnish further documents to prove your income or identity. Once approved, you can expect to receive your new card in 5 to 10 business days.

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.
Mention that you wish to transfer balances from one or more cards at the time of application. You can transfer up to 95% of your new BankSA credit card’s credit limit.

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

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

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

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.

Yes, while BankSA is based in South Australia, BankSA 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.
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Read more on this topic

Qantas Premier Platinum
Qantas Premier Platinum

Interest rate

19.99

Annual fee

299
St.George Vertigo Platinum - Online Offer
St.George Vertigo Platinum - Online Offer

Interest rate

12.74

Annual fee

99

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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

    • Staff
      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

  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

    • Staff
      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

  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

    • Staff
      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.

  4. Default Gravatar
    lenJuly 17, 2013

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

    • Staff
      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.

  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.

    • Staff
      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.

  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,

    • Staff
      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.

Credit Cards Comparison

Rates last updated November 19th, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
Qantas Premier Platinum
19.99% p.a.
0% p.a. for 15 months
$149 p.a. annual fee for the first year ($299 p.a. thereafter)
Fly faster with up to 2 Qantas Points per $1 spent, receive 2 yearly complimentary Qantas Club lounge invitations, plus, included travel insurance.
Woolworths Everyday Platinum Credit Card
19.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $50 eGift Card when you apply by 31 January 2018 and make an eligible purchase by 28 February 2018.
Virgin Australia Velocity Flyer Card - Bonus Points Offer
20.74% p.a.
0% p.a. for 18 months
$64 p.a. annual fee for the first year ($129 p.a. thereafter)
Earn up to 60,000 bonus Velocity Points in the first 3 months on eligible spend and enjoy a discounted annual fee of $64 for the first year.

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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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