Whether you’re after a low rate card, a rewards card or a card with no annual fee, BankSA has options for almost every type of cardholder.
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.
BankSA Credit Card Offer
The BankSA Vertigo Visa is a great no frills low rate credit card. The ideal credit card for Australians who love shopping with a low rate on purchases and balance transfers.
- $55 p.a. annual fee
- 1% p.a. for 12 months (reverts to 13.24% p.a.) on purchases
- 0% p.a. for 18 months on balance transfers
- Cash Advance Rate of 21.49% p.a.
- Up to 55 days interest free
Comparison of BankSA Credit Cards
Rates last updated December 11th, 2016.
- BankSA Amplify Classic
1% for 12 mos. purchase offer + 0% for 18 mos. balance transfer offer extended until 4 January 2017
September 30th, 2016
- BankSA Amplify Signature
30k bonus points + 1% for 12 mos. purchase offer + 0% for 18 mos. BT offer until 4 January 2017
September 30th, 2016
- BankSA No Annual Fee Visa
1% for 12 mos. on purchases + 0% for 18 month on balance transfers extended until 4 January 2017
September 30th, 2016
Types of credit cards from BankSA
BankSA, as mentioned, provides different types of credit cards to suit the needs of different cardholders. If you’re looking for a new card, here’s what you can expect from this bank:
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. Both of these cards charge ongoing annual fees, come with promotional balance transfer offers, and offer introductory purchase rate offers. 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 come with balance transfer and purchase rate offers, 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 does not offer interest-free days on purchases, but it comes with promotional balance transfer and purchase rate offers.
What are the benefits of banking with BankSA?
No matter which credit card you choose, there are certain benefits you can look forward to owing 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 that don’t exceed $100 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 on this list.
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 required eligibility criteria, 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, passport, age card, pension card, and so on)
- 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.