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
0% p.a. for 18 months on balance transfers
Offer ends 12 February 2020
Eligibility criteria, terms and conditions, fees and charges apply
BankSA Credit Card Offer
Save with a 0% p.a. balance transfer offer, low annual fee and competitive purchase rate with the BankSA Vertigo credit card.
0% p.a. for 18 months on balance transfers, with no BT fee
A low interest rate of 13.99% p.a. on purchases
Ongoing $55 annual fee
Compatible with Apple Pay, Google Pay and Samsung Pay
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 extras like complimentary insurance covers and concierge service access. 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:
Link your BankSA credit card with Google Pay or Samsung Pay and use your eligible smartphone or smartwatch to tap and pay wherever contactless payments are accepted.
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.
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.
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.
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.
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.
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.
If a card is offering a low or no interest balance transfer for a promotional period, you can request to do a balance transfer when you're applying for the card. You may need to apply before an offer end date to take advantage of the offer. You can transfer up to 80% of your new BankSA credit card’s credit limit. The introductory balance transfer period will start as soon as the card is approved.
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.
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