BankSA Credit Cards

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 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.

BankSA Vertigo Visa

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 annual fee waiver in the first year.

  • $0 p.a. annual fee for the first year ($55 p.a. thereafter) annual fee
  • 13.24% p.a. on purchases
  • 0% p.a. for 14 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 June 25th, 2017
Name Product Product Description Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
BankSA Vertigo Visa
Get up to 55 days interest-free on purchases and be protected by 24/7 Falcon® Fraud service.
13.24% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
BankSA Vertigo Platinum
Take advantage of purchase protection, extended warranty and overseas travel insurance, plus a 24/7 concierge.
12.74% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
BankSA Amplify Signature
Earn up to 3 Amplify Rewards Points per $1 spent, receive complimentary travel insurance and access to the Visa Luxury Hotel Collection.
19.49% p.a.
0% p.a. for 12 months
$279 p.a.
BankSA Amplify Platinum
Earn up to 2 Amplify Rewards Points per $1 spent and redeem for a wide range of products including flights.
19.49% p.a.
0% p.a. for 12 months
$99 p.a.
BankSA Amplify Card
Earn 1 Amplify Rewards Point per $1 spent and receive up to 55 days interest-free on purchases.
19.49% p.a.
$0 p.a. annual fee for the first year ($79 p.a. thereafter)
BankSA No Annual Fee Visa
Receive up to 55 days interest-free on purchases and add up to 3 additional cardholders at no cost.
20.49% p.a.
0% p.a. for 14 months
$0 p.a.
BankSA Amplify Business Credit Card
Earn up to 2 Amplify Rewards Points per $1 spent, plus the protection of complimentary business inconvenience insurance.
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)
BankSA Visa Business Credit Card
Manage your cashflow with up to 55 days interest-free on purchases and enjoy simpler expense reporting and Visa benefits.
9.99% p.a.
$55 p.a.

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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 $0 annual fees in the first year and feature promotional balance transfer rates. 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 does not offer interest-free days on purchases, but it comes with promotional balance transfer rate.

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:

  • 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.

  • 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 five to 10 business days.

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 card’s credit limit.

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

You can make payments via direct debit, online and mobile banking, BPAY, BankSA branches and mail.

Yes, you can, but you should wait for around six months of receiving your new card before doing so. To qualify for an increase in credit limit, you would have to meet the bank’s lending criteria.
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Read more on this topic

American Express Velocity Platinum Card
American Express Velocity Platinum Card

Interest rate

20.74

Annual fee

375
ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99

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12 Responses to BankSA Credit Cards

  1. Default Gravatar
    natividad | July 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
      Sally | July 24, 2015

      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
    Fran | January 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
      Elizabeth | January 14, 2015

      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
    John | August 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
      Jacob | August 14, 2013

      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
    len | July 17, 2013

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

    • Staff
      Jacob | July 17, 2013

      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
    Moses | June 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
      Jacob | June 30, 2013

      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
    Brian | March 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
      Marc | March 12, 2013

      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 June 25th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent in the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 of eligible spend and receive complimentary travel and purchase protection insurances.
19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 p.a. Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
NAB Premium Card
An introductory rate of 0% p.a. for 20 months on balance transfers combined with premium benefits such as travel insurance covers.
19.74% p.a. 0% p.a. for 20 months with 2% balance transfer fee $90 p.a. Go to site More info

* 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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